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Home > Author Archives: Steve Rhode (page 5)

Author Archives: Steve Rhode

E Entertainment Television And Miranda Lambert Get Scammed to Sell Garcina Cambogia Slim

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The following fake E Entertainment Television page caught my eye as it crossed my browser. The average person is going to be fooled by this scam advertisement. You see, it’s a fake E News site. The site this add appears on is eOnline-Celebrit.com. Sounds legit but the site was registered on May 5, 2015 and the ownership of the domain ... Read More »

    How Can I Stop My Perkins Loan Wage Garnishment?

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    Question: Dear Steve, 3 years ago, I received a letter from my employer stating that there was a judgment against me for a perkins student loan that I signed off on after I graduated, agreeing to pay a debtor (not knowing the damages that this would cause in the future). I should have never signed the contract because I didn’t ... Read More »

      Should I Raid My IRA to Pay the IRS?

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      Question: Dear Steve, I have recently received letters from the IRS about taxes owed from previous filings (2012, 13, 14). I don’t have the financial resources to pay them outright. I am considering using Roth IRA funds to settle the debts. The IRA was initiated over 5 years ago. One of the exceptions to the early distribution penalty is an ... Read More »

        CFLA Agent Apparently Goes Rogue

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        It appears an agent of Certified Forensic Loan Auditors went rogue and tied the name of the company to some unfortunate activity. According to the State of Connecticut, a James Graham, CFLA Agent, was selling debt relief services in the State and managed to run into trouble with the Department of Banking. The State of Connecticut says, “WHEREAS, James D. ... Read More »

          Account Control Technology Didn’t Lower My Parent Plus Loan Balance

          Problem Solving Series

          Question: Dear Steve, Took out a Parents Plus Loan for my oldest child’s college. Right about the time payments were due had to defer them due to economy. Unable to find secure employment. Had to go on state assistance (embarrassed) have 3 minor children at home. ACT (account control technology) offered me another way. Sounded good to me being very ... Read More »

            Home Tech Group Gets Unwanted Attention in CT & WA

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            The State of Connecticut Department of Banking just published information on Home Tech Group, LLC out of South Dakota, Arizona, and California and they claim the company was operating in Commecticut without a license. MATTERS ASSERTED 1. At all times relevant hereto, Respondent was a South Dakota limited liability company with offices at 3213 W. Main Street #239, Rapid City, ... Read More »

              How Can I stop Making Payments on My Heald College Private Student Loans?

              Ask Questions - Button

              Question: Dear Steve, My student private loan was through chase now its through AES (American Education Services). The school is Heald College graduated in the year 2007. AAS degree in Medical Administration Assistant. When I first applied to the school I was promised to graduate with experience and job placement assistance. Before graduating I asked about an Internship for the ... Read More »

                What Direction Should I Take to Deal With My Student Loans?

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                Question: Dear Steve, I recently graduated from veterinary school in 2011. Since then I have been trying to pay back my student loans. I was advised to consolidate my loans in 2012 because if I did this I would only have to pay for 25 years and then whatever debt was left would be forgiven. When advised what the standard ... Read More »

                  Great Lakes Higher Education Authority Says They Can’t Sue Me

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                  Question: Dear Steve, In 2001, I took out a private student loan from Great Lakes Higher Education Authority to pay for massage school. After finishing school I took a deferment while seeking work. The payments eventually kicked in and were prohibitively high in combination with high credit card debt and federal student loans. In 2007 I applied for bankruptcy in ... Read More »

                    How Can I Stop Being a Cosigner on My Ex-Wife’s Student Loans?

                    Sagging Economy

                    Question: Dear Steve, I cosigned on two private student loans for my ex-wife when I was 23. Oops. It was during the time when a lot of private loan companies were very predatory. Each loan was for about $40,000 (Total $80,000). My ex and I agreed via a bi-lateral agreement that she would take all responsibility for these loans and ... Read More »

                      Was My Sallie Mae Student Loan Eliminated in My Bankruptcy?

                      Bankruptcy Road Sign

                      Question: Dear Steve, Hope you can give me the answer that I want. : ) I filed for bankruptcy in 2010 and the final discharge date was February 1, 2012. Included in the creditors’ payment was Claimant: Sallie Mae and the payment they received $2,566.88. Does this mean that my student loan was included in the bankruptcy? Does this mean ... Read More »

                        Chase Bank in Deep Shit Over Bad Debt Collection Practices

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                        Over half a million consumers just caught a break with help from the Consumer Financial Protection Bureau. It appears the CFPB has taken tough action against a major bank for basically screwing over consumers who were being forced to pay debt they rightfully should not have had to. The CFPB Says… Today the Consumer Financial Protection Bureau and Attorneys General ... Read More »

                          Dubious Student Loan Assistance Offer From a Church?

                          Unless you are on fire, taking a day or two before you take action isn't going to change anything.

                          A tipster (send in your tips here) just sent me the following email they received today offering student loan assistance. On first glance it seems like just a run of the mill offer for help. Maybe one people might bite on. But why is this allegedly being sent out by the HRock School of Supernatural Ministry in Pasadena, California? I ... Read More »

                            New Crestmont Funding Credit Counseling Debt Consolidation Mailer Reviewed

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                            An amazing reader Shawn sent in another new debt relief mailer through my I Buy Junk Mail program. Shaw sent in another mailer received from Crestmont Funding. This one is different than the one I reviewed in this article. That other article has more information on Crestmont Funding than this one does. The new debt consolidation loan mailer is signed ... Read More »

                              Department of Education Reaches Decision About Student Loans and Bankruptcy

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                              The Department of Education has just released guidance on how it will handle bankruptcy discharge requests for government backed student loan debt. And while the guidance is helpful, it’s also a bit disingenuous that it places the burden on students who believed what schools and colleges sold them as a smart financial move. The guidance wants to provide a balance ... Read More »

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