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Steve Rhode

Consumer debt expert & investigative writer. Personal bankruptcy survivor (1990). Washington Post award-winning author. Exposing debt scams since 1994. His investigative work extends to True Crime Cases You Haven't Heard, a court-records-based true crime podcast named Highly Commended at the CrimeCon UK True Crime Awards 2026.

A Judgment Landed on the Wrong Account. Here’s How I’d Get It Fixed.

by Steve Rhode

Judgment on the wrong account? The deadlines that matter, how a receiver changes who can collect, and when to call a consumer attorney.

Equifax’s $30 Million Hard Inquiry Settlement: Who Actually Qualifies, and What Everyone Else Can Do

by Steve Rhode

Equifax hard inquiry settlement: $30M fund, claim by Nov. 29, 2026. Only people on Equifax’s class list can file. Here’s how to know if that’s you.

The FTC Just Warned Hospitals About Pricing. If You’re Uninsured or Self-Pay and Your Bill Beat the Estimate by $400, a 120-Day Clock Is Running

by Steve Rhode

Hospital bill dispute: the FTC just warned hospitals on pricing, but a separate 120-day clock may be running for you. See who qualifies.

Only 29,000 Jobs Were Added in September. Here’s What a Weak Jobs Report Means for Your Card Rate, Your Savings, and Your Paycheck

by Steve Rhode

Only 29,000 jobs were added in September and October Fed hike odds fell. Here’s what it means for your card rate, your savings and your job.

Can the Government Take My Social Security for an Old Military Star Card?

by Steve Rhode

A Military Star debt can be taken from Social Security: at most 15%, and never the first $750. The math, the notice rules, and what you can do.

Damon Day Thought a $55 Walmart Order Was Worth It. Here’s the Math.

by Steve Rhode

Damon Day took a $55 Walmart delivery batch that turned out heavier than expected. Here’s the mileage and tax math behind whether one gig order is worth it.

I Missed My 30 Days to Dispute a Debt. Can I Still Fight It? Here’s What to Do Right Now.

by Steve Rhode

Missed the 30-day window to dispute a debt collector? Here’s what you lose after day 30, what you still keep, and the steps to take this week.

They Said If I Can’t Pay the IRS I Shouldn’t File. The Monthly Penalty Rate for Filing Late Is Ten Times the Rate for Paying Late.

by Steve Rhode

If you can’t pay the IRS, file anyway. The late-filing penalty is 5% a month and the late-payment penalty is 0.5%. Here’s what to do this week.

SNAP Funding Just Shifted to States. Here’s How I’d Protect My Benefits From a Paperwork Closure (October 2026)

by Steve Rhode

SNAP changes in October 2026 shift costs to states. Here’s how to protect your benefits from a paperwork closure before your next renewal.

How to Check If Your Child Has a Trump Account (and Why I’d Claim the Free Money Before Adding My Own)

by Steve Rhode

How to check if your child has a Trump Account: Treasury says 60 million kids now have one. Claim the free money first, then think hard before adding your own.

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Get Out of Debt Guy Podcast - Steve Rhode

Get Out of Debt Guy Podcasts

  • Credit Card Debt, Hospital Bills & the “Just Get a Loan” Trap
  • Look Broke for a Year or Stay Broke for 10? The Credit Card Debt Trap
  • Budgets Suck: Debt Traps, Emergency Savings, and Keeping Up Appearances
  • Are You Helping Your Kids—or Hurting Your Retirement? – The Money Choices That Cost Millions
  • Should Adult Kids Pay Rent—or Are You Sacrificing Your Retirement?

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Think of this as me — just in AI form. I've walked in your shoes. I filed bankruptcy myself in 1990, and in over 30 years of experience I haven't seen a situation that can't be worked through or a person who deserves judgment. Everything here is built on that experience, that research, and genuine care for you. I can't be there in person. But I can be here.

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