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Author Archives: Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

Jennifer Says “We Have Accumulated So Much Debt And Bad Credit. What Do We Do?”

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“Dear Steve, We have accumulated so much debt our credit score is to low to even buy a house. I’ve been looking into different programs to help, unfortunately the charge money I can’t afford either, we have to do this on our own. If a creditor is offering to let you pay over 4 payments and only 55% of what ... Read More »

Samantha Says “My Husband And I Are Young And Don’t Want to File Bankruptcy. What Do We Do?”

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Samantha “Dear Steve, My husband and I are young and when we were first married times were really touch since he was self-employed and didnt always have a check coming in ends were hard to meet. Once I even had to take a personal loan out in order to keep the utilities on. Then we got back on our feet ... Read More »

Personal Finance Brain Trust – What Rights Should Debtors Have?

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This weeks brain trust question was: Question: Bank of America is proudly telling people about their new loan modification program and how much it will help people. But this program did not materialize until Bank of America was sued by some states over predatory lending. The real world situation is that the majority of lenders are unresponsive or just not ... Read More »

Jeannie Already Went Bankrupt And Is Now With CCCS But Can’t Afford to Feed Her Daughter

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Jeanie “Dear Steve, I have already gone to bankruptcy five years ago. I am currently in credit counseling, however, I do not have enough money to provide food and clothing for my child. I am a single parent not receiving child support, I have no child support judgment. Long story, but I felt it was in the best interest of ... Read More »

John Had a Knee Operation And Says “I Can’t Pay My Bills”

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“Dear Steve, I had a knee operation will be out of work for 9 months I am $80,000 in credit card debt. My wife and I earn $4,300 a month and I pay out with mortgage and all my necessary bills, $3,800. I don’t have enough money to pay credit cards. John” Don’t miss our free Get Out of Debt ... Read More »

Pam Is Out Of Cash And Out Of Time

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“Dear Steve, I am no longer making ends meet. I have my daughters Sallie Mae $20,000 loan payments starting in one month, I can only afford to put little bits of gas in my car at a time, I have a $5,000 car loan and about $12,000 in credit cards. I have not bought anything that I did not need ... Read More »

When In Debt, Think of Others, Kindness Counts

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I saw this story below on CNN and for me it typifies the type of kindness and compassion that is needed to help someone you know with money troubles. Sometimes the best thing you can do is just to be a friend. If you know of someone that is struggling with debt problems, do something random and nice for them. ... Read More »

Ed Is Scared But Courageous In The Face Of His Debt

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“Dear Steve, Let me start by saying it has been very hard for me to get to this point and ask for help. I hate that I am where I am financially (due to factors both within and not within in my control). I’m 45 years old and for most of my life used to stay very on top of ... Read More »

Mary Lou Writes In And Wants To Know “Why Does My Credit Score Keep Going Down?”

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Mary Lou “Dear Steve, My FICO score does not keep going up: 3/99 I filed bankruptcy-it will be 10 years next March and should come off my credit score. I owe $5,400 on one credit card and $7,300 on my car for a total of $12700. In January 2008, I owed over $26000. All bills are paid on time or ... Read More »

Rita Asks “Should We Consolidate Our Debt?”

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Rita “Dear Steve, I want to pay my credit cards off. I will like to consolidate them. We are $39,000.00 in debt. HELP What should I do? Rita” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for loads of practical advice, tips, and help to beat back debt. – Click ... Read More »

“They’ve Asked Me To Take a Pay Reduction. What Do You Think?”

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NoName “Dear Steve, I am 47, divorced, 2 teenagers, work full time as radiological technologist at privately owned company out of the state. The doctors group that read our films own our building. After my divorce I filed chapter 7 bankruptcy. I reinstated my van, rent townhouse in mid lease. I have no debt except my van which is a ... Read More »

Navy Tells Jonathan to Contact Me For Advice

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“Dear Steve, I’m a 30 year old married man, 2 children. My wife lost her six figure a year job in real estate, since then, we have lost two homes to foreclosure, 1 vehicle repossessed, and 15 major credit cards maxed out and not paid for 2 yrs+. Everything is in collection. We have about $1.2 million in un-paid debt. ... Read More »

Donna Wants to Know “Should I Take My Money Out?”

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Donna “Dear Steve, I have my home paid for and owe nothing on my car, I have a rental that I owe $25000 and I have it rented for $475.00 month. My payment is $303 month and my insurance is $33.00 month and my taxes are $100 month. I want to sell my rental but with the economy I will ... Read More »

Sandra Is a Single Mother And Worried About Paying For College

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“Dear Steve, I am a 40-year old single mother of one and currently have $22K in credit card debt among 3 creditors: American Express $16K (9.99%), Home Depot $3K (12%), and Furniture Express $3K (zero interest and payment until March 2010). I have $35K in student loans (6.2%) with Wachovia who is also the holder of my employer sponsored 401K ... Read More »

Debt Problems Are The Same In Indiana As They Are In Ireland

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Patrick Bryan, a debt adviser friend of mine from Northern Ireland, and I were chatting recently about the universal nature of debt problems in the world. It became apparent that while we are all told that we live in an interconnected global economy it seems that the consumers of each country continue to suffer in silence when it comes to ... Read More »

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