Author Archives: Steve Rhode
- Three Year Fixed Rate Unsecured Loan to Pay Off Debt
It always seems that banks will lend you money when they want to but not when you need it. But a new approach from LendingClub.com might turn that approach on its head. LendingClub is a peer-to-peer lending network that is transparently managed by some very smart people. What they do is screen and manage loans [...]
- Citibank Screwing Credit Counseling Groups With Back Room Offers That Confuse Consumers
Word from inside the credit counseling industry today tells me about a very backhanded and disturbing practice that Citibank is rolling out that seems to scupper the effectiveness that a debt management or credit counseling program might have when it includes a Citibank debt. This practice will only create uncertainty among people having trouble and [...]
- I Lost My Job in the Detroit Auto Industry And Then Opened a Restaurant That’s Failing. – Paul
“Dear Steve, Long story… Lost my job with one of the Big three in August of 2008, a few months later I found a business opportunity… this is where it gets ugly. When I lost my job I had about $120k in savings and the job prospects here in Michigan didnt look that good. I [...]
- I Got Hepatitis, Was Out of Work For Months, And Tried Sending Partial Payments – Jerry
“Dear Steve, In the early 90s my roommate lost his job when he contracted hepatitis and was out of work for months – at some point I got the illness from him and then I could not work for a couple of months. This meant several months where I was paying our rent and other [...]
- How Do Bill Collectors Get Cell Phone Numbers?
I am often asked how debt collectors get a hold of your cell phone or mobile phone number when you have not given it to them. It is actually very easy to do and best yet, you give it to them. Never call a debt collector on a toll-free number or a direct number if [...]
- I Can’t Afford My Husband Anymore. – Wesley
Wesley “Dear Steve, I am seeing a divorce attorney in the morning. My husband (though a very good person) has not worked for the past several years and on and off for years prior. My income declined over the past 3 years leaving me in tremendous debt and with a huge IRS lien. Our home [...]
- Consumer Credit Counseling Agency Said I Don’t Make Enough For Them to Help Me. – Theresa
“Dear Steve, I am employed and make good money and have always kept my debts paid, but over the last five years, I have had to take on a 2nd mortgage and as the needs arose, I added several credit cards to my debt load. Unfortunately, my parents are 73 and each year they hit [...]
- My Credit is Bad From Worn Tires on a Leased Car. – Sheryl
“Dear Steve, I leased a car from GMAC and at the end of the lease we turned the car in and they evaulated it and decided we had too much wear on the tires, so they billed us over $700, I called and negotiated a lower price of approx $500. and paid that right away, [...]
- AmeriCorp, Inc. Review
Address: 6851 Jericho Turnpike Syosset, NY, 11791-4494 631-940-2400 Ste 101 3280 Suntree Blvd Melbourne, FL 32940-7545 (321) 254-8311 Website: www.americorp.us Description: We handle everything that happens after your clients’ initial counseling. And we’re debt and credit negotiation specialists, so we do it well. We negotiate with creditors, process payments, answer client phone calls, keep accurate [...]
- Vortex Debt Group Review
Address: Vortex Debt Group 3280 Suntree Blvd, #101 Melbourne, FL 32940 (866) 558-3503 [email protected] Website: www.vortexdebtgroup.com Description: We understand what it is like to be in debt and how hard it can be finding a way out. Vortex Debt Group is a leader in the debt settlement industry with almost 20 years of experience. We [...]
- Is CCCS Right for Us or is There a Better Alternative? – Shawn
Shawn “Dear Steve, I have about $100k of unsecured consumer credit card debt spread out amongst several (about 15) cards. My wife and I are both in very stable jobs, and combined we make about $110k a year (about $6000-$6500/mo take-home after tax, health insurance, etc). We “own” our house, in other words, we pay [...]
- American Debt Counseling, Sorry! It’s United Debt Services!
In my story “Elimidebt Management Systems Wants to be Eliminated? Not Playing Nicely With WV AG“, I had mentioned that as reported, American Debt Counseling was the entity in a West Virginia enforcement action that had not paid up as they were supposed to. News out of Wild and Wonderful West Virginia now tells me [...]
- Clear Financial Solutions, Financial Freedom of America, and Financial Solutions Legal Center Refund Clients
Attorney General McGraw Continues to Reign in the Debt Relief Industry. Today he Announced Settlements with Three More Companies, Resulting in $214,000 in Refunds for 226 West Virginia Consumers. Alyson Rye of West Union was alarmed when a telemarketer from Clear Financial Solutions repeatedly badgered her to accept his offer to reduce the interest rates [...]
- Analysis: Polls are Stacked Against Republicans – Dakota Voice
Analysis: Polls are Stacked Against Republicans Dakota Voice, SD - 3 hours ago As examples, Conway cites the fact that most people want to get out of debt , get out of a bad relationship, find a job they love, and lose those last 12 …
- ChevGirl Writes In And Says “My Marriage is Suffering Because of Our Debt”
ChevGirl “Dear Steve, Well I am not thinking about death or anything, I am a Christian. I am just having a very difficult time with our finances. The stress is becoming unbearable. My marriage is suffering because of it. Me and my husband work in agriculture, we do not make much and we are $55,000 [...]