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.


  • Dear Steve, I am glad I came across your site. Some of the questions I had were answered here. Thank you for that.
    One topic I could not find. My debt was caused by something totaly different. I am 48 years old. six years ago,the youngest of our three children moved out.My husband works swing shift and I found myself lonely and depressed. I didn’t know what to do with myself.But then I found the casino. A place I could go by myself.I made alot of friends there. I felt happy and content,that is until the gambling addiction took over. I didn’t realize it at first. I had excellent credit and could get any card I wanted without my husband knowing about it. I have my own business,I make my own money. I was using the cards when I ran out of cash to gamble.then when I could not make my payments I took from the cards to pay it. Everything snowballed.
    I heard that if your debt was caused by gambling, there is help to get it payed off or half off or something.
    have you heard of this? thank you Sally

  • Dear Steve:

    I came across your site by chance. I assume you are not an attorney; however, I am, and from the little I have read, it appears your advice is quite sound and well-thought out.

    It is almost sunrise here in Miami, Florida and I have not yet had any sleep so I must hit the sack. However, if you follow up with me, I shall provide you with some information (in the event you are not already aware of it) regarding Federal law in the areas of credit, debt collection and the like, which provides some extremely valuable tools for debtors dealing with unsecured creditors.

    I commend you for the free service you are providing to those who are scared, confused and in need of sound advice from a source with no axe to grind or iron in the fire, as they face this terribly difficult time in their lives.

    God Bless You.

    Yours Truly,

    Dr. Kenneth F. Conrad, III, Attorney at Law
    General Counsel

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