Latest Posts
Home > Debt Articles > How to Series

How to Series

The Get Out of Debt Guy 8 Easy Steps to Eliminate Your Debt Checklist

money

So you want to get out of debt. Congratulations. To make your journey easier and to help you on your way, here is an easy to follow checklist to guide you on your journey. Getting out of debt can be broken down into some very simple steps to make the process easy, obvious, and help you to do it yourself. ... Read More »

The Saddest Avoidable Mistake People Make When Getting Out of Debt

Every day wasted is money wasted. Make the tough choices young so you don't wind up broke, old, sick, and counting pennies.

It is painful for me to watch people make the same ignorant and stupid mistake time and time again when getting out of debt. And what is the number on mistake that screws up their financial future in an effort to repair their financial past? Keep reading to find out. People make all sorts of emotional decisions when faced with ... Read More »

Dealing With Debt – It’s All Bullshit

it's all bullshit

So my friend Damon Day and I have this conversation all the time about how the entire debt world is all bullshit. It’s a very true statement, unfortunately. Until now I wasn’t sure how to broach the subject on the site. What the hell, let’s just jump in deep. The fact is people who are panicking about their debt are ... Read More »

How to Discharge Your Student Loans if You Are in the Military, Police, or Teacher

How-To

More and more at GetOutOfDebt.org we are getting questions about how to get your student loans eliminated, forgiven, or discharged if you are in or served in the military, police officer, teacher, librarian, or other public service employee. It is absurdly ironic that members of the military can go into harms way, fight in combat and yet return back home ... Read More »

Consumer Credit Counseling Pros and Cons. My Ultimate Guide to Understanding How Credit Counseling Really Works.

hiding

Consumer credit counseling is one of the options people turn to when dealing with debt issues so let’s take an honest look at the pros and cons of the program and what it has to offer. Consumer credit counseling in one form or another has been around as debt proraters, debt lumpers, or debt consolidators since the late 1930s. But ... Read More »

The Ultimate Debt Consolidation Loan Guide: Getting Approved, Acting Smart, and Being Wise

loan-approved

You hear a lot of rubbish online about getting a debt consolidation loan and a lot of just flat out incorrect information. It’s time to put an end to that and help you get the facts so you can make a good educated decision. So here is my guide to help you learn the pros and cons about getting a ... Read More »

How Not to Get Scammed by a Mortgage Loan Modification Company

scammer

It’s easy to make you a victim and rip you off with a loan modification. People are willing to believe the wild claims companies make about being able to cut your loan balance or slice your interest rate. It sounds so good when the salespeople are pitching you. If you received a postcard or letter in the mail claiming you ... 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 »

How to Avoid Getting Scammed When Getting Debt Help

How-To

The sad truth is that it’s easy to scam people with debt problems. Companies do it all the time. They promise magic outcomes for an advance fee. People in trouble believe the sales messages and fail to filter the promises of both for-profit and non-profit debt help companies. When people leap at the first solution that comes along or the ... Read More »

How to Deal With Debt Collectors or Debt Buyers

How-To

This guide will give you some fabulous resources for dealing with debt collectors, debt collection, and debt buyers. There are two ways to approach being in collections. Most approach it with fear and stress. A few learn how to deal with it in the right way, with education and a positive attitude. A positive attitude? Yes. You see the debt ... Read More »

How to Easily Rebuild and Repair Your Credit After Bankruptcy, Foreclosure, or Repossession

How-To

Most credit repair scams and schemes and just a worthless waste of money and don’t help you to legally rebuild your credit. Here is a simple process I have advised people to use for years that does the trick for rebuilding and restoring your credit from any credit disaster. This isn’t some crafty or quasi-legal technique. This is just using ... Read More »

How to Handle a Consumer Complaint Like a Pro And Come Out Smelling Like a Rose

applecare

Over the years of writing about the debt relief space I’ve grown exceedingly frustrated by companies that can’t seem to deal with consumer complaints or unhappy clients in a positive and constructive way. They seem to relish in shooting themselves in the foot, time and time again. A client complaint is a perfect opportunity to win over new clients if ... Read More »

How to Settle American Express Credit Card Debt

justball-144x125

If you’re facing a legitimate financial hardship and can’t make the minimum payments on your American Express credit card one potential solution is to negotiate a lump-sum settlement for less the balance owed. If you’re unfamiliar with debt settlement, you’re probably wondering how someone who can’t make their monthly payments would have the funds needed for a settlement at, say, ... Read More »

How to Try to Get a Refund From a Debt Relief Company

How-To

Here is my definitive guide on how to get out of a scam and git it your best shot at getting your money back. Warning, it will take some work, but it can be effective. “The steps listed in How to Try to Get a Refund From a Debt Relief Company should represent a consumer dropping a “nuclear bomb” on ... Read More »

Get My FREE Get Out of Debt Guy Newsletter

It is the smart thing to do.

I promise to keep your email safe and secure.

Close

I want to keep you posted each weekday with just one email about the latest get out of debt news, scam alerts and information to beat back debt.

You can unsubscribe at any time with just one click.

After you subscribe, check your email to confirm your subscription. If the confirmation email does not appear in your inbox in a few minutes, check your spam folder for it. Sometimes it likes to annoyingly hide there.


  • It will keep you posted on the latest scams.
  • You will be alerted to the latest articles.
  • You will wind up smarter than everyone else dealing with debt.