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Home > Author Archives: Steve Rhode (page 90)

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.

How Much of a Hit Will Out Credit Score Take When We File Bankruptcy? – Larry

Bankrupt

“Dear Steve, I have filed Chapter 7 that was discharged in oct 11, so my credit is still not good. My wife’s credit is good, around 800. We still have a few issues we are dealing with regarding banks, one the FDIC that took over a bank We are hoping to work something out so she does not have to ... Read More »

The Debtor Prayer – Stand By Me

Screen Shot 2013-01-04 at 1.32.51 PM

I just watched the most exceptional video of the one song that I always think of when it comes to being in debt, “Stand By Me”. In fact it was the song that most spoke to me in my darkest days of debt troubles. When I couldn’t sleep in the middle of the night, when I had those panic attacks, ... Read More »

I’m in the Military Reserves. How Can I Get My Student Loans Forgiven? – Kolby

Meeting with Pusht-e Rod leadership

“Dear Steve, Military Member in the Reserves, Student loan forgiveness and lender credit freeze at a 6% interest rate How does the loan forgiveness work for military members? I have been in the Army Reserves for the past 2 years does the program apply to me? I was also wondering about the 6% interest freeze on debt for military members ... Read More »

Is American Remedy Center in California a Scam? – Jose

danger

“Dear Steve, We received by mail a letter from one company oferring help us with the mortgage payment reduction for our home in Florida. It’s law office named America Remedy Center in California. The person in charge of my case request for sing a contract. And a payment of over $1000.00 dollars. How can I, know if this people really ... Read More »

Fairmount Financial Group Charged Me a Fee to Get a Loan. Are They a Fraud? – Aaron

Screen Shot 2013-01-03 at 11.46.53 AM

“Dear Steve, I am not sure this company is a fraud company. I was seeing if you can find that out for me? I was trying to get a loan online and this company called “Fairmount Financial Group” called and they wanted money up front because my credit score is not the greatest, so I sent the money through moneygram ... Read More »

What is the Easiest and Quickest Way to Get the Debts Paid Off Sooner? – Donise

Speech Bubble - Q&A

“Dear Steve, We are struggling to get out of debt from our mortgage, car payments,and be able to live the life style that we want. and for my husband to retire sooner. We just keep getting deeper in debt What is the easiest and quickest way to get the debts paid off sooner? Donise” Don’t miss our free Get Out ... Read More »

Congress Extends Tax Relief for Forgiven Mortgage Debt Into 2013

Real Estate Concept

A reader sent in this great news for those that might be short selling their homes or have a tax liability due to forgiven mortgage debt. The previous tax forgiveness program was due to expire at the end of 2012. Apparently Congress continued it for one more year. “Of most interest to real estate, the bill would extend mortgage cancellation ... Read More »

I Have an Old Traffic Ticket. How Can I Get My Fines Reduced? – Michelle

traffic ticket

“Dear Steve, I have a speeding ticket that went to collections 3 year ago I believe, I could not pay it at the time because I had no job and the judge wanted me to do community service, but I could not drive because my license was suspended and had no reliable transportation, so I cannot get my license back. ... Read More »

The Get Out of Debt – “How To” Guide Series

How-To

Below you will find links to how to get out of debt guides I’ve written that give specific advice on how to deal with a number of debt related situations. If you’d like me to write a “How To” guide on a debt related subject I have not covered, just post your suggestion in the comments below. As new guides ... Read More »

My Husband and I Can’t Talk About Our Debt. The Stress is Terrible. – Melissa

couple fighting

“Dear Steve, married 6 months…i just dont know how to tell my husband that i have terrible debt…he seems to avoid hearing me and attempting to assume and responsibility to help me. It is putting my marriage at risk because I am so stressed….. i cant focus on the whole marriage be happy thing!!! I feel ashamed and also like ... Read More »

How to Modify Your Mortgage for Free

Real Estate Concept

I’ve seen and covered so many mortgage modification scams that I wanted to show you how you can save yourself from being scammed, save thousands and modify your mortgage for free. Before you launch into paying anyone thousands for mortgage modification assistance you should explore your free options first. It’s important to know there is no law that requires any ... Read More »

My Husband Added Me as an Authorized User But I Want Off the Credit Cards. – Sandy

credit card verification

“Dear Steve, I have paid off $10,000 worth of credit cards for my husband in 2010 and then he has decided he wanted different credit cards and has added me as authorized user. I want to take my name off of these credit cards (received within the last year). He has a credit score of 712 at this time. He ... Read More »

I’m Going for a Short Sale. I’ve Jumped Off My Fiscal Cliff. – Linda

flying girl

“Dear Steve, I very unexpectedly have been out of work for eight months now. I am unable to make the mortgage payments on a house with interest rate of 6.625%. The mortgage company, a very large Federal Credit Union has refused to refinance–per their VP, they never benefited from TARP and are not required to refinance. I could make the ... Read More »

I’m a Special Education Teacher and Thought My Student Loans Would be Forgiven. – Debbie

Student Loan Corkboard Concept

“Dear Steve, I have student loans that I was told would be forgiven once I taught Special Education in a High Needs/qualifying district for 5 years. Well I’m now on my 5th year and they want to deny loan forgiveness because I had approximately $800 left on undergraduate loans. However the issues I have with this are as follows: 1. ... Read More »

How Should I Use My Inheritance to Reduce My Debt? – Jason

math

“Dear Steve, Huge amount of credit card debt. One card 40K @ 7.99%, another 7K @ 11.99%, 8.5K @ 3.99%, and 4K @ 21.99%. Plus, 2 car loans total 20K @ 6.99%(these vehicles are used for work/pleasure – 85/15). My income is down from an average of 100K to now about 45K( economic influences beyond my control). We also have ... Read More »

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