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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.

My Husband is a Poor Money Manager and We Never Get Ahead. – Anne

contemplate

“Dear Steve, My husband and I have been together for 30 years. We have poor money management skills even though our combined income is about $105K we never seem to have enough money available to pay or living expenses in total each month. I have always made more than my husband and have I’ve never been unemployed where he has ... Read More »

    Snows Coming, Time to Panic!

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    Just yesterday I was talking with a friend about how irrational people become when snow is on the way. Today a blizzard is striking Boston. It’s very interesting watching people in different parts of the country clear the shelves of different specific items out of habit. When I lived in the D.C. area the run was on toilet paper and ... Read More »

      Social Security is Garnishing My Benefits for an Old SBA Loan. What Can I Do? – Berhan

      In God We Trust

      “Dear Steve, I will turn 70 in 45 days. After I lost my business and employment I am leaving on a fixed income that I draw from SS and my wife’s earnings. My company defaulted on $48,000 SBA loan that I am a guarantor. My social security payment has been deduced By 15% ($225.30 per month) to pay the SBA ... Read More »

        I’m Unemployed, Looking for a Debt Consolidation Loan, and Paying Bills From IRA. – Becky

        stressed woman

        “Dear Steve, Consolidating debt to avoid high interest rates or deplete 401K. Have taken on about $50K in credit card debt and have secured mostly 0% interest rate cards that are coming due over the next several months. I have depleted my brokerage savings but still have an IRA and 401K that I could tap into that would just barely ... Read More »

          Did UFAN and Kristin Crone File Bankruptcy? – Andrew

          oops

          “Dear Steve, I have a large judgment against UFAN and Kristin Crone but both have declared bankruptcy. At any point did you have information about their malpractice carrier? Apparently having insurance is optional in CA, and the bankruptcy trustee has been unable to identify a carrier. Andrew” Don’t miss our free Get Out of Debt – “How To” Guide Series ... Read More »

            Is This Unsecured Debt Consolidation Loan the Best Way to Pay Off My Credit Cards? – John

            couple working

            “Dear Steve, Have numerous cards ( 3 standard visa cards , 2 store cards, gas card) most of them close to being to max limit. I make the monthly payments on time and have been for years. However the interest rates on them are really high on a few and was wondering if doing the unsecured consolidation loan was the ... Read More »

              I Want to Improve My Credit and Get a Mortgage With My New Wife. – Devin

              Couple Buying House

              “Dear Steve, Although I have made great strides in the last 4 years, I brought a poor credit history and score to our marriage (married for 5 months). My wife, whose name is on our mortgage as she owned our home prior to our marriage, is happy and proud of the work I’ve done to raise my score from 590 ... Read More »

                Military Debt Management Agency MDMA Hits Military and Consumers for Student Loan Help

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                A tipster (send in your tips here) sent me a fee schedule from the non-profit credit counseling group Military Debt Management Agency (MDMA) in Florida. The reader was concerned that this non-profit 501(c)3 IRS approved charity that is supposed to be helping military members and general consumers was taking advantage of those with federal government student loan debt, by charging ... Read More »

                  Forensic Loan Audit Mortgage Scam Settles FTC Charges

                  scam

                  The defendants behind an operation that allegedly preyed on vulnerable homeowners have agreed to settle Federal Trade Commission charges that they lured people into paying $1,995 or more by holding out bogus promises that they could help them avoid foreclosure and renegotiate their mortgages. The FTC’s settlement order against the Los Angeles, California-based Consumer Advocates Group Experts, LLC, company owner ... Read More »

                    Will The Fairness for Struggling Students Act Allow Me to Discharge My Private Student Loans in Bankruptcy? – Lexi

                    stressed-woman

                    “Dear Steve, I owe $25,000 in credit card debt and over $120,000 in student loan debt. Half are federal loans and half are private loans. I am a single mother of two little ones and the reason for my debt was mostly due to my failed marriage and going to an expensive school. I am getting ready to file for ... Read More »

                      I’m Falling Behind on My Other Bills to Keep My Payday Loans Current. – Rebecca

                      top secret

                      “Dear Steve, I have 2 payday loans 1 for $650 w/a local loan service and 1 for $750 with a online company. I’m current on my payments with both (online company withdraws from my bank acct) but I’m only able to pay the minimum balance owed and I’m falling behind on all my other bills. It seems like I’m paying ... Read More »

                        I Took Out a Parent Plus Loan for My Daughter’s Education I Can’t Pay Now. – Lee

                        Student Loan Corkboard Concept

                        “Dear Steve, I am a middle-aged woman who has been ill for over a decade and has not been able to work during that period. In the 90′s I took out Parent Plus Loans for my daughter’s education. I began to make payments on them as they came due until I became ill and lost my job and my house ... Read More »

                          The Bank Can’t Find My Mortgage After My Bankruptcy. – Bernice

                          Woman in safari hat looking through binoculars

                          “Dear Steve, I have filed for Chapter 7 Bankruptcy in 2012 and was discharged from all unsecured debt in June of that year. I have been paying all secured debt which includes a mortgage, a line of equity (no longer useable), and a car note as well as my utilties, insurance payments, etc. All of those bills have been paid ... Read More »

                            Small Business Debt Relief Program Fax – Burn It, Pitch It, Avoid It

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                            A tipster (send in your tips here) sent in a copy of a fax they recently received from the Small Business Debt Relief Program. Let’s call this for what it appears on face value, probably an advance fee debt settlement sales job. The fact this was sent out to small businesses clearly indicates this is an advertising piece to sell ... Read More »

                              I Want to Go Back to School But Have an Old Defaulted Student Loan. – Lizzy

                              College Tuition Expenses

                              “Dear Steve, i went to a computer school 9 month course , had to leave weeks prior to graduation for family reasons. 1982 , back in 1991 the irs took my tax return , i now have no paperwork on any of this, im 52 , been thru some health issues for the past few years , no work… i ... Read More »

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