Get Out of Debt GuyGet Out of Debt Guy | Because there is more to life than debt. Free debt help and debt advice on how to get out of debt, getting out of debt consolidation scams, and inside information on the debt relief and debt help industry. http://getoutofdebt.org Because there is more to life than debt. Free debt help and debt advice on how to get out of debt, getting out of debt consolidation scams, and inside information on the debt relief and debt help industry. Sat, 18 May 2013 13:20:05 +0000 en-US hourly 1 http://wordpress.org/?v=3.5.1 Debt Relief Company Options Debt Consolidation Canada Hits Rough Patch http://getoutofdebt.org/52209/debt-relief-company-options-debt-consolidation-canada-hits-rough-patch http://getoutofdebt.org/52209/debt-relief-company-options-debt-consolidation-canada-hits-rough-patch#comments Sat, 18 May 2013 13:20:05 +0000 Steve Rhode http://getoutofdebt.org/?p=52209 oopsThe Vancover Sun is reporting a situation which sounds familiar in the U.S. as well regarding Options Debt Consolidation Canada and Options Credit Canada. Apparently Options Credit was selling agents or franchise owners a magnificent debt relief business opportunity where they would receive “with real-time leads and the ongoing support and management necessary to qualify [...]

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]]> http://getoutofdebt.org/52209/debt-relief-company-options-debt-consolidation-canada-hits-rough-patch/feed/ 0 My Credit Union Won’t Give Me My Car Title Because I Have a Credit Card Balance http://getoutofdebt.org/52195/my-credit-union-wont-give-me-my-car-title-because-i-have-a-credit-card-balance http://getoutofdebt.org/52195/my-credit-union-wont-give-me-my-car-title-because-i-have-a-credit-card-balance#comments Fri, 17 May 2013 20:55:04 +0000 Steve Rhode http://getoutofdebt.org/?p=52195 Black Leather Flogging Whip and money on white background. Not i“Dear Steve, Worked for this credit union who in the past had federal investigators in when there were bogus loans. Worked there for 15 yrs. I paid my car loan off with my credit union but they won’t give me the title. I owe on a visa account there and they are pulling the cross [...]

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]]> http://getoutofdebt.org/52195/my-credit-union-wont-give-me-my-car-title-because-i-have-a-credit-card-balance/feed/ 0 Is My Plan to Deal With My United Recovery Debt a Good One? http://getoutofdebt.org/52194/is-my-plan-to-deal-with-my-united-recovery-debt-a-good-one http://getoutofdebt.org/52194/is-my-plan-to-deal-with-my-united-recovery-debt-a-good-one#comments Fri, 17 May 2013 20:29:34 +0000 Steve Rhode http://getoutofdebt.org/?p=52194 stolen idea“Dear Steve, 1. 1993 – I get a credit card, my first and only (Cap One). 2. It’s fine for several years. 3. 2003 – Divorce, followed by scary major illness; unable to work. Disaster. Balance creeping up. 4. More disaster. Long irrelevant story. I use the cc to pay the rent. Keeping the roof [...]

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]]> http://getoutofdebt.org/52194/is-my-plan-to-deal-with-my-united-recovery-debt-a-good-one/feed/ 0 How Can I Get Out of This Judgment and Wage Garnishment? http://getoutofdebt.org/52192/how-can-i-get-out-of-this-judgment-and-wage-garnishment http://getoutofdebt.org/52192/how-can-i-get-out-of-this-judgment-and-wage-garnishment#comments Fri, 17 May 2013 19:28:23 +0000 Steve Rhode http://getoutofdebt.org/?p=52192 debt hole law tada“Dear Steve, In 2008, at the age of 18, I moved out of home, into an apartment with a roommate. The rent was high ($1300/mo), and about 4-5 months into the lease, my roommate’s work started to decline. One morning, she up and moved out, and with management (which has since changed, and the rates [...]

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]]> http://getoutofdebt.org/52192/how-can-i-get-out-of-this-judgment-and-wage-garnishment/feed/ 0 I Co-Signed for a Private Student Loan and It’s Killing Me http://getoutofdebt.org/52189/i-co-signed-for-a-private-student-loan-and-its-killing-me http://getoutofdebt.org/52189/i-co-signed-for-a-private-student-loan-and-its-killing-me#comments Fri, 17 May 2013 17:11:37 +0000 Steve Rhode http://getoutofdebt.org/?p=52189 robbery“Dear Steve, I co-signed a private student loan that is now in collections and ruining my DTI. I found your petition for the Fairness for Struggling Students Act on change.org. Have you had any contact with Senator Coons or anyone else on the senate judiciary committee regarding this? I am a DE resident and trying [...]

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]]> http://getoutofdebt.org/52189/i-co-signed-for-a-private-student-loan-and-its-killing-me/feed/ 0 Does a Debt Consolidation Program Lower My Credit Score? http://getoutofdebt.org/52187/does-a-debt-consolidation-program-lower-my-credit-score http://getoutofdebt.org/52187/does-a-debt-consolidation-program-lower-my-credit-score#comments Fri, 17 May 2013 16:59:55 +0000 Steve Rhode http://getoutofdebt.org/?p=52187 Mature woman confused“Dear Steve, I need to consolidate credit card debt of $9,000.00. Does debt consolidation go against my credit rating, or lower my score? Do I have to close out my credit cards with my creditors to go forth with the program? Phyllis” Don’t miss our free Get Out of Debt – “How To” Guide Series [...]

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]]> http://getoutofdebt.org/52187/does-a-debt-consolidation-program-lower-my-credit-score/feed/ 0 How Do I Settle My Debt With a Collection Agency? http://getoutofdebt.org/52185/how-do-i-settle-my-debt-with-collection-agencies http://getoutofdebt.org/52185/how-do-i-settle-my-debt-with-collection-agencies#comments Fri, 17 May 2013 16:49:22 +0000 Steve Rhode http://getoutofdebt.org/?p=52185 Financing a budget“Dear Steve, Time to Face the Dragon? I have 40k in credit card debt amassed during 2 years of unemployment. 28k of it has been sold to third party collectors. I am now in a position to clean it all up. I realize now I should have declared bankruptcy. But it’s too late now since [...]

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]]> http://getoutofdebt.org/52185/how-do-i-settle-my-debt-with-collection-agencies/feed/ 0 I’m Afraid of Bankruptcy But Struggling Each Month http://getoutofdebt.org/52183/im-afraid-of-bankruptcy-but-struggling-each-month http://getoutofdebt.org/52183/im-afraid-of-bankruptcy-but-struggling-each-month#comments Fri, 17 May 2013 16:29:39 +0000 Steve Rhode http://getoutofdebt.org/?p=52183 adding up“Dear Steve, Single mother, income 1600 after deductions, credit card debt 27,000. I have a house and I’ve been making payments for two years of 928 monthly. I have an equity of 26,000. No paymentys behind. You advised me about filing chapter 7 bankruptcy, and even though I don’t want to do it, at this [...]

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]]> http://getoutofdebt.org/52183/im-afraid-of-bankruptcy-but-struggling-each-month/feed/ 0 Taxes May Be Due on Mortgage Settlement Checks. Slap! http://getoutofdebt.org/52181/taxes-may-be-due-on-mortgage-settlement-checks-slap http://getoutofdebt.org/52181/taxes-may-be-due-on-mortgage-settlement-checks-slap#comments Fri, 17 May 2013 15:56:39 +0000 Guest Post http://getoutofdebt.org/?p=52181 repost-us-image-5721398Double Whammy: Mortgage Settlement Payments Will Be Taxed (via Credit.com) If you are one of the more than 1.8 million people who have received a check from the Independent Foreclosure Review (IFR) settlement — or if you have one coming — don’t spend it all in one place. These payments are considered taxable income for [...]

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]]> http://getoutofdebt.org/52181/taxes-may-be-due-on-mortgage-settlement-checks-slap/feed/ 0 Can I Get Macy’s and Capital One to Please Charge Off My Credit Cards? – Brigitte http://getoutofdebt.org/52179/can-i-get-macys-and-capital-one-to-please-charge-off-my-credit-cards-brigitte http://getoutofdebt.org/52179/can-i-get-macys-and-capital-one-to-please-charge-off-my-credit-cards-brigitte#comments Thu, 16 May 2013 21:04:28 +0000 Steve Rhode http://getoutofdebt.org/?p=52179 End of stress.“Dear Steve, I live in California, I’m 55yrs old woman, my 3 daughters just finished college, last month I lost my job, I have 2 credit cards, one is Macy’s for $5,000 and the other Capital one for $5,000, do you think if I call them and let them know I’m unemployed they will charge [...]

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]]> http://getoutofdebt.org/52179/can-i-get-macys-and-capital-one-to-please-charge-off-my-credit-cards-brigitte/feed/ 1 Is Home Remedy Center, Affiliated with Prudent Law Group, a Scam? – Alana http://getoutofdebt.org/52175/is-home-remedy-center-affiliated-with-prudent-law-group-a-scam-alana http://getoutofdebt.org/52175/is-home-remedy-center-affiliated-with-prudent-law-group-a-scam-alana#comments Thu, 16 May 2013 20:51:16 +0000 Steve Rhode http://getoutofdebt.org/?p=52175 Drive Carefully“Dear Steve, I own a home and have a jumbo loan (over 700K) with 6.5% interest with Wells Fargo, and loan is with a private lender, not a Fanny Mae or Freddie Mac loan. Wells Fargo refused modifying the loan or reduce theinterest. We are current on payments. I was contact by Home Remedy Center, [...]

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]]> http://getoutofdebt.org/52175/is-home-remedy-center-affiliated-with-prudent-law-group-a-scam-alana/feed/ 0 The Role Credit Counseling Plays in Debt Relief http://getoutofdebt.org/52174/the-role-credit-counseling-plays-in-debt-relief http://getoutofdebt.org/52174/the-role-credit-counseling-plays-in-debt-relief#comments Thu, 16 May 2013 20:06:21 +0000 Jared Strauss http://getoutofdebt.org/?p=52174 Decision timeThe following is a guest post. And while I personally might not agree with some of the points of view, I think it is important for people to hear from different sides. Given what I think is going to be an exploding retirement crisis I am now more convinced that for those near or over [...]

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]]> http://getoutofdebt.org/52174/the-role-credit-counseling-plays-in-debt-relief/feed/ 4 The Big Profits Behind Student Loan Interest Rates http://getoutofdebt.org/52172/the-big-profits-behind-student-loan-interest-rates http://getoutofdebt.org/52172/the-big-profits-behind-student-loan-interest-rates#comments Thu, 16 May 2013 16:20:41 +0000 Guest Post http://getoutofdebt.org/?p=52172 repost-us-image-5683874The Big Profits Behind Student Loan Interest Rates (via Credit.com) If insanity is defined as repeatedly doing the same thing and expecting a different result, the student loan interest rate throwdown that’s about to be reprised in Washington, D.C., warrants an intervention. You may recall that at this time in 2012, Congress was in a [...]

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]]> http://getoutofdebt.org/52172/the-big-profits-behind-student-loan-interest-rates/feed/ 1 A Brain Tumor and Private Student Loans Led to a Life Lesson. – Sally http://getoutofdebt.org/52170/a-brain-tumor-and-private-student-loans-led-to-a-life-lesson-sally http://getoutofdebt.org/52170/a-brain-tumor-and-private-student-loans-led-to-a-life-lesson-sally#comments Thu, 16 May 2013 15:09:26 +0000 Steve Rhode http://getoutofdebt.org/?p=52170 medical-bills“Dear Steve, Daughter was dx with brain cancer while attending college away from home. She went through brain surgery, radiation and chemo. She was able to obtain her degree (took 7 years). She has private student loan debt for approx $50,000. We co-signed her loans. We also have Parent Plus loans for her and her [...]

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]]> http://getoutofdebt.org/52170/a-brain-tumor-and-private-student-loans-led-to-a-life-lesson-sally/feed/ 4 My Credit Was Hit by an Uninsured Motorist and Left With a Traumatic Injury http://getoutofdebt.org/52168/my-credit-was-hit-by-an-uninsured-motorist-and-left-with-a-traumatic-injury http://getoutofdebt.org/52168/my-credit-was-hit-by-an-uninsured-motorist-and-left-with-a-traumatic-injury#comments Thu, 16 May 2013 13:56:42 +0000 Steve Rhode http://getoutofdebt.org/?p=52168 paramedic-square“Dear Steve, Dear Steve, I was in an automobile accident in 11/’05, hit by another driver who had stolen a car, therfore I was unable to sue anyone for the accident. I had no health insurance and my uninsured motorist policy was $100k, which of course the hospital negotiated a payment towards my $300,000 bill. [...]

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]]> http://getoutofdebt.org/52168/my-credit-was-hit-by-an-uninsured-motorist-and-left-with-a-traumatic-injury/feed/ 0 Will I Be Stopped at the U.S. Border if I Leave Australia With Debt I Can’t Pay? http://getoutofdebt.org/52165/will-i-be-stopped-at-the-u-s-border-if-i-leave-australia-with-debt-i-cant-pay http://getoutofdebt.org/52165/will-i-be-stopped-at-the-u-s-border-if-i-leave-australia-with-debt-i-cant-pay#comments Wed, 15 May 2013 20:53:49 +0000 Steve Rhode http://getoutofdebt.org/?p=52165 Passport with US visa and "admitted" stamps“Dear Steve, In 2011 I went to the United States I am a US citizen when I returned to Australia I thought I would still have my job but that didn’t happen and have been unable to get a job I have not contacted the bank in 2 years out of fear. I’m on centerlink [...]

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]]> http://getoutofdebt.org/52165/will-i-be-stopped-at-the-u-s-border-if-i-leave-australia-with-debt-i-cant-pay/feed/ 0 Can I Get My Vehicle Out of Pawn With a Title Loan? – Kelly http://getoutofdebt.org/52163/can-i-get-my-vehicle-out-of-pawn-with-a-title-loan-kelly http://getoutofdebt.org/52163/can-i-get-my-vehicle-out-of-pawn-with-a-title-loan-kelly#comments Wed, 15 May 2013 20:34:32 +0000 Steve Rhode http://getoutofdebt.org/?p=52163 money down the drain“Dear Steve, Currently have a title pawn for $5000. I know these are stupid, but desperate people do desperate things sometimes. the monthly payment I have to pay is $500 which is the interest. more if I want to bring down the principle balance. Are there any legitimate companies out there that will assist with [...]

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]]> http://getoutofdebt.org/52163/can-i-get-my-vehicle-out-of-pawn-with-a-title-loan-kelly/feed/ 0 Are No-Cost Mortgages Always the Best Deal? http://getoutofdebt.org/52161/are-no-cost-mortgages-always-the-best-deal http://getoutofdebt.org/52161/are-no-cost-mortgages-always-the-best-deal#comments Wed, 15 May 2013 20:20:57 +0000 Guest Post http://getoutofdebt.org/?p=52161 repost-us-image-5697704Are No-Cost Mortgages Always the Best Deal? (via Credit.com) A program made popular in the height of the subprime lending environment was the no-cost mortgage. No-cost mortgages have gotten quite a bit of exposure lately, as consumers seek to better understand loan terms, interest rates and how to qualify for mortgages in an ever-tightening credit [...]

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]]> http://getoutofdebt.org/52161/are-no-cost-mortgages-always-the-best-deal/feed/ 0 Soldiers Wounded by Debt, Not Bullets http://getoutofdebt.org/52159/soldiers-wound-by-debt-not-bullets http://getoutofdebt.org/52159/soldiers-wound-by-debt-not-bullets#comments Wed, 15 May 2013 18:14:51 +0000 ProPublica http://getoutofdebt.org/?p=52159 Military Flagby Paul Kiel, ProPublica, and Mitchell Hartman, Marketplace, May 15, 2013, 5:50 a.m.by Paul Kiel and Krista Kjellman Schmidt, ProPublica, May 15 This story was co-produced with Marketplace. Listen to their coverage. Seven years after Congress banned payday-loan companies from charging exorbitant interest rates to service members, many of the nation’s military bases are surrounded [...]

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]]> http://getoutofdebt.org/52159/soldiers-wound-by-debt-not-bullets/feed/ 0 Maybe You Should Not Go to College http://getoutofdebt.org/52156/maybe-i-should-not-go-to-college http://getoutofdebt.org/52156/maybe-i-should-not-go-to-college#comments Wed, 15 May 2013 18:02:55 +0000 Steve Rhode http://getoutofdebt.org/?p=52156 PrayingI hear all the arguments about the value of a college education. And I agree with much of that. But the fact is not everyone who goes to college and takes on student loan debt graduates or even graduates into a field that pays enough to service the student loan debt. In fact 75 percent [...]

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]]> http://getoutofdebt.org/52156/maybe-i-should-not-go-to-college/feed/ 0 Should I Use My Retirement Money to Pay Off My Student Loans? – Cynthia http://getoutofdebt.org/52154/should-i-use-my-retirement-money-to-pay-off-my-student-loans-cynthia http://getoutofdebt.org/52154/should-i-use-my-retirement-money-to-pay-off-my-student-loans-cynthia#comments Wed, 15 May 2013 16:40:32 +0000 Steve Rhode http://getoutofdebt.org/?p=52154 process“Dear Steve, I would like to know if I would be better off paying off student loans with a retirement plan disbursement from former employer I have about $26,000 in SallieMae student loans. I will be receiving a disbursement from a former employer for Profit Sharing and Money Purchase plans. I want to know if [...]

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]]> http://getoutofdebt.org/52154/should-i-use-my-retirement-money-to-pay-off-my-student-loans-cynthia/feed/ 0 6 Ways to Not Be a Broke Ass American After Kicking Your Debt http://getoutofdebt.org/52151/broke-ass-americans-the-new-norm http://getoutofdebt.org/52151/broke-ass-americans-the-new-norm#comments Wed, 15 May 2013 15:54:37 +0000 Steve Rhode http://getoutofdebt.org/?p=52151 retirement Paul RevereI spend almost all of my time focused on helping people to get out of debt. But today I wanted to take a moment and focus on what to do once that crisis has passed and I’ve added a new section about life after debt to my free guides on dealing with debt. Let’s talk [...]

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]]> http://getoutofdebt.org/52151/broke-ass-americans-the-new-norm/feed/ 0 Is the Legal Advocate Network a Mortgage Modification Scam? – Bobbie http://getoutofdebt.org/52149/is-the-legal-advocate-network-a-mortgage-modification-scam-bobbie http://getoutofdebt.org/52149/is-the-legal-advocate-network-a-mortgage-modification-scam-bobbie#comments Tue, 14 May 2013 21:52:43 +0000 Steve Rhode http://getoutofdebt.org/?p=52149 Black Leather Flogging Whip and money on white background. Not i“Dear Steve, I was looking into a mortgage modification and my mortgage company said they can’t do one for us. I received information for a mortgage modification from Legal Advocate Network. I can’t find any info on them and their web site has not address. When I called them all they would tell me is [...]

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]]> http://getoutofdebt.org/52149/is-the-legal-advocate-network-a-mortgage-modification-scam-bobbie/feed/ 0 How to Pay Off a Shitload of Credit Card Debt http://getoutofdebt.org/52146/how-to-pay-off-a-shitload-of-credit-card-debt http://getoutofdebt.org/52146/how-to-pay-off-a-shitload-of-credit-card-debt#comments Tue, 14 May 2013 21:36:35 +0000 Steve Rhode http://getoutofdebt.org/?p=52146 happy woman in wheelchair outdoors beach showing victory signHow to Pay Off A Mountain of Credit Card Debt (via Credit.com) Credit card debt is a big problem in America today. One recent study found that 1 in 4 people have more credit card debt than savings. Households with credit card debt on average have about $15,000 in debt, and that makes it incredibly [...]

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]]> http://getoutofdebt.org/52146/how-to-pay-off-a-shitload-of-credit-card-debt/feed/ 0 I Can’t Afford My UK IVA Payments and Go to Bed Hungry. – Paulette http://getoutofdebt.org/52144/i-cant-afford-my-uk-iva-payments-and-go-to-bed-hungry-paulette http://getoutofdebt.org/52144/i-cant-afford-my-uk-iva-payments-and-go-to-bed-hungry-paulette#comments Tue, 14 May 2013 20:53:00 +0000 Steve Rhode http://getoutofdebt.org/?p=52144 hunger“Dear Steve, I am currently on IVA debt management plan. At the moment am unemployed. Struggling to pay my plan. Am a single mother of four children. This is surpose to take five years to be written off or get out of the debt. I am not coping with it. some days we go to [...]

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]]> http://getoutofdebt.org/52144/i-cant-afford-my-uk-iva-payments-and-go-to-bed-hungry-paulette/feed/ 0 Foreclosure Rescue Scammers Plead Guilty to Fraud http://getoutofdebt.org/52143/foreclosure-rescue-scammers-plead-guilty-to-fraud http://getoutofdebt.org/52143/foreclosure-rescue-scammers-plead-guilty-to-fraud#comments Tue, 14 May 2013 20:33:21 +0000 Steve Rhode http://getoutofdebt.org/?p=52143 White Collar CriminalThe Office of the Special Inspector General for the Troubled Asset Relief Program (SIGTARP) today announced that Mark S. Farhood, 49, formerly of San Diego, Calif., and Jason S. Sant, 37, of Lecanto, Fla., pleaded guilty on Friday to conspiracy charges in connection with their operation of a nationwide online foreclosure rescue scam that went [...]

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]]> http://getoutofdebt.org/52143/foreclosure-rescue-scammers-plead-guilty-to-fraud/feed/ 0 The Johnson Law Group – Consumer Complaint – May 14, 2013 http://getoutofdebt.org/52141/the-johnson-law-group-consumer-complaint-may-14-2013 http://getoutofdebt.org/52141/the-johnson-law-group-consumer-complaint-may-14-2013#comments Tue, 14 May 2013 19:18:06 +0000 Consumer http://getoutofdebt.org/?p=52141 customer service feedbackConsumer Statement: I am one of the many clients that Johnson Law Group of Florida, which has had moneys held by the law firm an I cannot get this money back to pay the creditors that I owe moneys to. They are now holding $4,597.35 Consumer Action Taken: I have received letters indicating that they [...]

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]]> http://getoutofdebt.org/52141/the-johnson-law-group-consumer-complaint-may-14-2013/feed/ 0 Ways to Build Credit Without Relying Solely on Credit Cards http://getoutofdebt.org/52139/ways-to-build-credit-without-relying-solely-on-credit-cards http://getoutofdebt.org/52139/ways-to-build-credit-without-relying-solely-on-credit-cards#comments Tue, 14 May 2013 19:07:31 +0000 Guest Post http://getoutofdebt.org/?p=52139 DebtstarFor those who prefer to pay with cash and avoid the credit card debt cycle altogether, building a solid credit history and high FICO score can be a challenge – but it doesn’t have to be. Only a small portion of your FICO score is based on having and using revolving credit. The first step [...]

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]]> http://getoutofdebt.org/52139/ways-to-build-credit-without-relying-solely-on-credit-cards/feed/ 0 I Have an Old Credit Card on My Credit Report. Will It Go Away? – Julie http://getoutofdebt.org/52126/i-have-an-old-credit-card-on-my-credit-report-will-it-go-away-julie http://getoutofdebt.org/52126/i-have-an-old-credit-card-on-my-credit-report-will-it-go-away-julie#comments Mon, 13 May 2013 21:41:02 +0000 Steve Rhode http://getoutofdebt.org/?p=52126 goodbye“Dear Steve, There is a credit card debt on my credit report that is more than 10 years old. I can’t get any questions answered or removed from my credit report. I’m in California. How long is the debt collectable? What is the statute of limitation on collecting the debt? What can I do to [...]

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]]> http://getoutofdebt.org/52126/i-have-an-old-credit-card-on-my-credit-report-will-it-go-away-julie/feed/ 0 How Installment Lenders Put Borrowers in a World of Hurt http://getoutofdebt.org/52123/how-installment-lenders-put-borrowers-in-a-world-of-hurt http://getoutofdebt.org/52123/how-installment-lenders-put-borrowers-in-a-world-of-hurt#comments Mon, 13 May 2013 20:00:31 +0000 ProPublica http://getoutofdebt.org/?p=52123 Screen Shot 2013-05-13 at 3.58.41 PMby Paul Kiel ProPublica This story was co-produced with Marketplace. Listen to their coverage. One day late last year, Katrina Sutton stood at a gas pump outside Atlanta and swiped her debit card. Insufficient funds. But that couldn’t be. She’d been careful to wait until her $270 paycheck from Walmart had hit her account. The [...]

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]]> http://getoutofdebt.org/52123/how-installment-lenders-put-borrowers-in-a-world-of-hurt/feed/ 0