Latest Posts
Home > Author Archives: Steve Rhode

Author Archives: Steve Rhode

Can I Not Pay My Private Student Loan With a Cosigner?

A businesswoman thinks and does the questions

Question: Dear Steve, I paid my undergraduate degree completely in loans, some federal, most private. The private loan companies include: Discover student loans and Wells Fargo. My loans are sum total of 70,000. I want to go back to graduate school but I’m terrified of getting into more loans. What do you suggest for lenders who have cosigners? Claiming bankruptcy ... Read More »

    Yellow Book Invoice Scam Resurfaces Again


    At the Federal Trade Commission’s request, a federal court has banned Robert Ray Law and his company, CPU Service Incorporated (CPU) from sending unsolicited direct mail to advertise or promote goods or services, imposed a judgment of almost $400,000, and required them to immediately pay $45,000. In July 2014, the FTC charged Law and Your Yellow Book Inc. (YYB) with ... Read More »

      FTC Halts Bogus Envelope-Stuffing Scam


      At the Federal Trade Commission’s request, a federal court has halted a nationwide work-at-home scam that took more than $7 million from tens of thousands of consumers. The defendants allegedly lured consumers with false claims that they could earn up to $5,000 or more in weekly income by stuffing and mailing “special advertising letters” from home. According to the FTC’s ... Read More »

        Practical Debt Relief Learns the Connecticut Lesson

        bitch slap copy

        I don’t know why debt relief companies don’t learn the lesson that Connecticut is a tough SOB state when it comes to debt relief issues. If a company allows someone to complain to the State rather than just giving a full refund and exceptional customer service, they get slapped by Connecticut. This happens over and over again. The latest company ... Read More »

          New Bankruptcy Forms Make It Easier to File Without an Attorney

          happy woman in wheelchair outdoors beach showing victory sign

          Now don’t get me wrong, there is no substitute for the experience, knowledge, and wisdom of an experienced bankruptcy attorney. But for decades people have been filing out their own bankruptcy petitions, because they can. The forms were not geared for the average person to easily figure out. On December 1, 2015 the bankruptcy forms are going to change, in ... Read More »

            AES is Not Willing to Help Me With an Affordable Private Student Loan Payment

            Young stress woman

            Question: Dear Steve, Several years back my married daughter had been working and due do the economy had been losing many jobs. She decided to go back to school to hopefully get a better job. Of course to make all this happen she needed to apply for student loans. In order to get the loans she needed a co-signer. I ... Read More »

              6 Out of 10 People Stressed About Holiday Spending

              Christmas Piggy

              Consumers may not feel so jolly once they head into this year’s holiday shopping season. According to a national survey by Experian, many respondents are concerned about the financial stress of gift buying and adding debt, as well as becoming an identity theft victim. When it comes to their finances, a majority of survey respondents believe holiday shopping is a ... Read More »

                Nationwide Debt Direct Hit Yet Again With Marketing Suit in OH

                Comic bubbles vector isolated set, sound effects to comics, templates clouds on strip background

                Previously I wrote about Nationwide Debt Direct being his with a suit in Ohio regarding the marketing letters they were sending out. You can see that previous article, here. Well it looks like another law firm is using a similar approach in going after Nationwide Debt Direct. The suit filed on November 17, 2015 claims Nationwide Debt Direct sent marketing ... Read More »

                  Consumer Credit Counseling Foundation Hit With TCPA Suit


                  I’ve been talking about the risks of Telephone Consumer Protection Act lawsuits against debt relief companies for some time now. On November 18, 2015 another such suit was filed. This time against Consumer Credit Counseling Foundation and Ishwinder Judge. The suit filed by Christopher Reichman of Prato & Reichman says: Defendants made six (6) live calls to PAUL SAPAN’s home ... Read More »

                    Omni Management Partners Client Agreement Review Leaves Me Wondering

                    Mature woman confused

                    I recently wrote about Omni Management Partners as the result of a comment made on the site. Subsequently I received a copy of the client agreement. What follows is just my opinion about what I read in the agreement. I am not a lawyer and can’t offer any legal opinion about this agreement. What you will read below is simply ... Read More »

                      TFSC Group – Consumer Complaint – November 21, 2015

                      customer service feedback

                      Consumer Statement: I was sent a letter from TFSC Group which stated I should call them to access help with student debt. Upon calling I was directed to Rene Fernandez. He stated that the program was the result of recent legislation and I was lucky to have called because of the limited slots available and the once his company moved ... Read More »

                        So Who is Omni Management Partners in Florida?

                        Adult Ed - Questions

                        I just spotted a comment from a reader who was asking about Omni Management Partners. The comment can be found here. I don’t know Omni Management Partners from a hole in the ground so I’ll do some public record research and share it with you below. Omni Management Partners says they are located at 150 East Palmetto Park Road, Suite ... Read More »

                          Mortgage Modification Representative Gets 10 Years in Jail


                          United States Attorney for the Northern District of Indiana, David Capp, announced that Brian M. Kandefer, age 37, of San Diego, California, was sentenced Wednesday, November 18, 2015, in federal court by Judge Robert L. Miller, Jr. after his guilty plea of wire fraud and money laundering. Brian Kandefer was sentenced to 121 months imprisonment and ordered to pay $1.4 ... Read More »

                            How Can I Move Forward When My School Won’t Release My Transcript?

                            Cartoon-OUCH. Vector

                            Question: Dear Steve, I attended a private college one trimester in 1986 when I was 18. I transferred to a public university that year and completed my degree. 30 years later, today I am wanting to get a second degree but need my official transcript from the private college that I attended in 1986. They are withholding the official transcript ... Read More »

                              Camden Legal Group – What Do You Think?

                              Many multicolor question marks above the head of young man or boy. Making decision thinking uncertainty learning concept. EPS 10 vector illustration no transparency

                              Previously I answered a reader question about a company called Camden Legal Group. You can see it here. In this post I’m going to do things a bit different. I’m just going to publish the facts that I have and I’m going to encourage you to post a comment with your opinion of Camden Legal Group. This story all began ... Read More »

                                Get My FREE Get Out of Debt Guy Newsletter

                                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.

                                I promise to keep your email safe and secure.