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Home > Author Archives: Steve Rhode (page 6)

Author Archives: Steve Rhode

Brunner Test Needs to Die Say These Heroes in Student Loan Bankruptcy Discharge

Clapping Business People

On July 29, 2015 the National Consumer Law Center (NCLC) and National Association of Bankruptcy Attorneys (NACBA) jointly filed a court document arguing a position in support of discharging student loans through the bankruptcy laws. Much thanks to the readers and tipster who slipped me the document. The matter of dealing with overwhelming student loan debt through bankruptcy has been ... Read More »

    People Willing to Lose a Limb or Listen to Nickelback to Eliminate Their Debt

    Screen Shot 2015-08-04 at 1.54.56 PM

    Prosper, the online debt consolidation loan lender, recently conducted a pool about how people are looking at or dealing with debt. The big fact that jumped out at me was that nearly 3 percent of respondents would be willing to cut off an arm or a leg to have their debt eliminated. Seriously? Here are the results of the Prosper ... Read More »

      Is United Credit Consultants Trying to Scam Google to Hide Information?

      no bullshit

      I just learned that someone initiated a DMCA complaint with Google to have a United Credit Consultants article I wrote, hidden from readers by Google. See update at bottom of the article. The notice sent to Google reads: “Hello, Google has been notified, according to the terms of the Digital Millennium Copyright Act (DMCA), that some of your materials allegedly ... Read More »

        Colonial Law Group Client Agreement Reviewed – My Readers Are Awesome

        Screen Shot 2015-08-04 at 4.28.01 PM

        Just a few hours ago I posted Colonial Law Group and My Enrollment Center Sent a Paralegal to Meet With Me and asked if anyone had any documents, please forward them. Well I now hold in my hand a consumer agreement for Colonial Law Group that appears to answer some questions. The only one that is unclear is what is ... Read More »

          Law Offices of Angela Muller Hit With $100K CT Bill and CA Disciplinary Charges


          The State of Connecticut recently posted an action they took with Law Offices of Angela Muller, APC, and Angela Elizabeth Muller. It appears from the State Bar Court of California that Angela Mueller received a Notice of Disciplinary Charges on July 8, 2015. Another record shows five different case numbers filed on the same date. The Connecticut Department of Banking ... Read More »

            I Just Filed a Pro Se Adversary Proceeding to Discharge My Student Loans


            Question: Dear Steve, Hi, just read your article. I’ve just filed an adversary proceeding in Brooklyn-Eastern District Bankruptcy Court against US DOE, requesting undue hardship discharge of student loan debt. Is there any update to this article, or any other information you’ve come across regarding attempts at student loan discharges? The study you reference in article was informative, but looking ... Read More »

              CFPB Calls Bullshit on NDG Enterprise and Offshore Payday Lenders


              The Consumer Financial Protection Bureau (CFPB) today announced the filing of a lawsuit in federal district court against the NDG Enterprise, a complex web of commonly controlled companies, for collecting money consumers did not owe. The CFPB alleges that the defendants illegally collected loan amounts and fees that were void or that consumers had no obligations to repay, and falsely ... Read More »

                Morgan Drexen Lied to Me. What Can I Do? How Do I Get My Money Back?

                Credit Card Financial Relief Planed Flag

                Question: Dear Steve, I entered into an agreement with Morgan Drexen for debt settlement. I paid them in excess of $3000. and they did nothing to help me. They lied to me several times regarding where my money went. What recourse do I have? Thank you. Answer: Normally I’d suggest you follow my guide How to Try to Get a ... Read More »

                  Colonial Law Group and My Enrollment Center Sent a Paralegal to Meet With Me


                  Question: Dear Steve, I signed up with these people from My Enrollment Center in Florida (Robert) for debt help more than 1 month ago. They had me meet with a paralegal for Colonial Law Group, before signing the contract. The customer support person I speak to is nice and professional, but they cant seem to get me any answers as ... Read More »

                    Law School Debtor Loses Bankruptcy Decision to Discharge His Debt, But Lessons Learned

                    Student Loans Concept

                    The United States Court of Appeals for the Seventh District just ruled that a student loan debtor could not discharge his loans in his consumer bankruptcy case. Lately I’ve been writing about bankruptcy cases where consumers have been able to discharge substantial amounts of student loan debt. You can see the articles here. Before I go on I owe a ... Read More »

                      Can My Son Go Bankrupt in the U.S. and Come Back to the UK?


                      “Dear Jon, My son left his home and job in the UK 16 years ago to marry an American girl. He now lives in Seattle with his wife and two daughters (11 and 8). He had a good well paid job as a graphic designer for King 5 News for 16 years. Unfortunately, the marriage has irretrievably broken down due ... Read More »

                        My Girlfriend Sucks at Managing Her Money

                        The actual granular data presents a surprising reality.

                        Question: Dear Steve, I am very financially responsible and in my mid-30’s. I recently discovered that my girlfriend, also mid-30’s, is not so much. Neither of us has any kids. Now, I did know that she is a homeowner making a six-figure salary (barely) and living paycheck-to-paycheck saving no money. However, I did not know that she has close to ... Read More »

                          My Mother Demands Parent PLUS Loan Payments But Will Not Share


                          Question: Dear Steve, Back in 2010 my mother submitted for Parent PLUS loans for my sister and I. Half the amount for my sisters education, half for mine. Right now we are in the repayment process. Both my sister and I did not finish our education and stopped when we realized the amount of the loans. So we do not ... Read More »

                            Residential Credit Solutions Caused Consumers to Lose Homes Needlessly


                            Yesterday the Consumer Financial Protection Bureau (CFPB) took action against Residential Credit Solutions, Inc. for blocking consumers’ attempts to save their homes from foreclosure. The mortgage servicer failed to honor modifications for loans transferred from other servicers, treated consumers as if they were in default when they weren’t, sent consumers escrow statements falsely claiming they were due a refund, and ... Read More »

                              Renaissance Debt Solutions Hit with TCPA Suit


                              In yet another Telephone Consumer Protection Act (TCPA) lawsuit, which seem to be coming fast and furious, Renaissance Debt Solutions is the unlucky named party. On July 29, 2015, Paul Sapan filed suit against Renaissance Debt Solutions over nine telephone calls “wherein they tried to pitch debt modification services.” In this case the consumer received two calls in January, four ... Read More »

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