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.


  • As silly as this article sounds it’s a good point. If I knew over the next few months I was going to be bankrupt I would 100% max out my credit cards. But on the other hand if I manage to keep my job and income I could potentially screw myself over!

    Hard decision!

    • If you are in the U.S., you could be walking into trouble with that strategy. Charges before bankruptcy, especially within 90 days, may not be discharged. There are all sorts of ways this could bit you on the ass. Bottom line, don’t do that.


  • Thanks Steve, yes i am in England, am hoping to avoid bankruptcy after reading your reply, fingers crossed!!

    Regards Adrian.

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