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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.

I’m Paying a Credit Repair Company to Erase My HELOC Deficiency. – Jim

eraser and word bad credit

“Dear Steve, I went thru a divorce in 2009/2010. I moved out of our main home in 2009 and even though I was giving my ex money to pay the house and home equity loan she did not do that. Anyways, the home was short saled in Oct 2010 and the Chase Home equity was charged off in Nov 2010. ... Read More »

Prime Legal Experts is Supposed to be Helping Us Get Out of Debt

hiding

“Dear Steve, I paid Prime Legal Experts 106.00for two of us and 350.00on first of month and 250.00aftet that for two more months help me out this is the third company geting me out of dept 800.and 800. And now 900 please help me now I’m trying to get out of my time shares I’m going bankrupt” Don’t miss our ... Read More »

Veterans Target of Financial Scammers – Beware

Military

The Federal Trade Commission warns veterans and their families: Be wary of dishonest advisers offering “free” help with paperwork for pension claims. Unscrupulous lawyers, financial planners and insurance agents advise veterans over 65 to transfer their assets to a trust, or to invest in insurance products, so they can qualify for Aid and Attendance benefits. By following their advice, you ... Read More »

I Tried Cockburn & Associates But Should I File Bankruptcy in Canada? – Cris

Man in the field

“Dear Steve, I was self employed for a number of years operating in all cash. The work dried up a couple years ago and I finally gave up on it in Feb 2012. So for a good year I was living beyond my means holding out hope but it was all for naught. I moved to a different city for ... Read More »

How Can I Refinance My Mortgage With Chase? – Mark

Real Estate Concept

“Dear Steve, Mortgage is not supported by Fannie or Freddie. Was “self” funded by Washington Mutual (original lender). Now mortgage is held by Chase. Rate is 5.75. Any way to refinance. Does not seem any “Obama plan” is applicable because of non-Fannie or Freddie support. Mortgage Modification? I received same notification from S C Law Firm that you have been ... Read More »

Davenport Law Vanished On Me. What Do I Do Now? – Alex

detective

“Dear Steve, I have been using davenport law for almost 2 years now making a monthly payment of 148.79 to them. As per my contract it says that my payments are for 48 months in order to settle my 9,880.00 in debt. Recently I have not been able to get a hold of them, and I am starting to wonder ... Read More »

Should I Wait to Rebuild My Credit or Start Now? – Renee

credit good

“Dear Steve, I’m 36 and I got credit cards for the first time at age 27 in 2004. I had pretty low limits, 1,000 or less on the 3. I lost the security of my job and got behind on payments, then eventually stopped paying and everything went to collections in 2007. I’ve managed to pay off all my student ... Read More »

Bank of America Says I Can Opt Out of My Debt Settlement. – Eric

emergency exit

“Dear Steve, I am in an debt settlement program and have negotiated a settlement with a creditor Band of America. I have a question for you concerning a settlement agreement that I have with BOA. In the Settlement letter is says “As required by federal law we will honor you opt out request with in 30 days.” Does this mean ... Read More »

I’m Way Deep in Debt But Signed for My Husband’s Line of Business Credit. – Carolyn

couple working

“Dear Steve, I am self employed, and my husband is a partner in his own business, both of which were majorly affected by the recession; our incomes fell almost 80%. I spent way too much time and money trying to keep my employees and office before shutting it all down and now work by myself from home. My husbands business ... Read More »

I Send My Credit Card Companies What I Can Afford to But They Say It’s Not Enough. – Dorene

contemplate

“Dear Steve, Over 2 years ago I lost my job. A month later I got another job, it was part time but worked out to become full time. The pay I receive now is $150.00 less a week than what I was receiving from my previous job. My ex-husbands health is not good so I am not receiving allimony any ... Read More »

Student Loan Managers – Review. Are They a Scam?

Audit Stamp Shows Financial Accounting Examination

Company Name Student Loan Managers Our Impression of What the Company Offers to Consumers The company appears to offer services for federal student loans only to consolidate and/or reduce monthly payments or discharge student loans. Yet these services are available for free directly through the Department of Education to consumers but the company is not transparent about that fact. Depending ... Read More »

Student Loan Processing.US – My Observations and Site Review

questions

A tipster (send in your tips here) alerted me about a company called Student Loan Processing. Can the names get any more generic? The tipster (send in your tips here) said “They charge 1% of the debt amount” for student loan assistance. It is unclear from the information I was given if there were any other fees or fee schedules. ... Read More »

I’m in Dire Need of a Debt Consolidation Loan. Lending Club Turned Me Down. – Kevin

Military

“Dear Steve, I am in dire need of a debt consilidation loan. I applied with Lending Club and did not get approved due to my credit score. I am in the military and im able to afford a consilidated payment i just need to be approved. Do you have any advice what so ever? Kevin” Don’t miss our free Get ... Read More »

Are New Vision Relief Center and New Horizon Debt Solutions Legitimate Companies? – Jannina

Loan Modification Green Road Sign with dramatic clouds and sky.

“Dear Steve, Trying to get a modification on my present home and also to settle 30k on credit cards debts. I am the only one working in my household my 67 yr husband can not find a job after he was forced retirement and my 18 yrs son who just graduate from high school are not able to find a ... Read More »

I Just Can’t Seem to Stop Spending Money. – Chase

radar

“Dear Steve, Hi, a little about me. I am 29 years old separated from my former fiancĂ© who is also the mother of our 5 yr old awesome daughter. We owned a condo together which I gave her and moved in with my mother :( so I am saving money there but I just can’t seem to stop spending money ... Read More »

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