Debt Articles

What the Hell. You’re Killing Me Joan.

Written by Steve Rhode


Dear Steve,

I am working at getting out of credit card debt.

I would like to find out how many payments I have left. I cannot get into my account. All my information was on my I_Pad which was destroyed in an accident. I had nothing written down. Lost everything. I hope you can help.

Thank you,


Dear Joan,

What the hell.

Since I have no accounts with anyone or provide services to consumers you’ve got the wrong guy. Which alarms me because you are obviously involved with someone dealing with your debt but you are not sure who you have trusted your financial future with.

I’m sorry you lost your iPad but I’m honestly more sorry you don’t have a good overwatch on whoever you hired to deal with your debt, credit, or whatever.

You need to take ownership, responsibility, and watch over whoever you are working with.

For all I know you are inquiring about the number of payments left on some extension of credit. That’s just as bad.

Your inquiry to me tells me that you may have a general lack of understanding or a watch over your financial affairs. That’s bad.

I have a deep compassion in my heart for people who are struggling but this is your one warning from me to get your shit together and keep track of who you either owe or have hired to help you deal with your debt.

Now go hunt them down and stay on top of them. Don’t abdicate your financial health to someone you are not on top of. That will kill your finances.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

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About the author

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.


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