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Home > Author Archives: Steve Rhode (page 640)

Author Archives: Steve Rhode

We Signed Up With a Debt Settlement Company. They Take Our Money But We Can’t Reach Them. – Karin

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“Dear Steve, We have signed up with Allego law in Huntington, NY. 12/15/08. With the exception of talking to them when signing up we have not had any correspondence wtih them. We have tried writting the via mail, sometimes our emails are getting kicked back, creditors still call, the sherriff still shows up. Allegro told us as long as we ... Read More »

    I’m Currently in Balance Liquidation Program With Chase and Take Charge America Plan. – Justin

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    “Dear Steve, Currently enrolled in two debt program. Take charge America plan: I pay 292 a month and have done so for about 15 months. This programs pays down a cap1; discover; home-depot cards. I now owe a total of $3423 and that should be done in about 11 months. I am also in the “Balance Liquidation program” from Chase. ... Read More »

      85% of Debt Settlement Companies May Be Closing Soon and Taking Your Money With Them

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      There is no doubt that the workshops and hearings by the Federal Trade Commission (FTC) are going to result in changes that will significantly impact the debt settlement industry. The FTC has been carefully looking into the industry and is disgusted with the actions of many companies. These would be the companies that charge large up-front fees to consumers, collect ... Read More »

        I Recently Bought a Business That Isn’t Doing Well and Owes the IRS. – Susan

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        “Dear Steve, I recently bought a business that isn’t doing well. I’m just making enough to pay the business expenses with zero left over. I’ve accumulated $68000 in debt plus an additional $81,000 in a Home Equity loan due to a gambling problem I have. I’ve since gotten help for the habit and haven’t gambled in over 7 months. At ... Read More »

          I’m Three Years Behind on Property Taxes. – Darin

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          “Dear Steve, A partner and I just dissolved a small business which had seriously declining revenue over the past few years. I owe 48k in credit card debt, 78k on a mortgage for a house that needs a ton of work, and 8k on a car. I still have my job which gives me 50K, but that’s not enough to ... Read More »

            The Second Attribute to Getting Out of Debt – Gratitude

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            This is an excerpt from my ebook “The Path to Happiness and Wealth” that you can download for free here. The Second Attribute – Gratitude You know someone has achieved internal prosperity if they are grateful for the life they have. So, if someone else does something kind for you, be grateful. The only thing you are entitled to in ... Read More »

              http://twitpic.com/on7ua In case you had a craving for a moon pie.

              getoutofdebtguy: In case you had a craving for a moon pie. Read More »

                http://twitpic.com/omvvf Just pulled up on the motorcycle in Mayberry RFD, Mt Airy, NC

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                getoutofdebtguy: Just pulled up on the motorcycle in Mayberry RFD, Mt Airy, NC Read More »

                  Any Suggestions for Good Budgeting Tools to Dig Out of Debt? – Scott

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                  “Dear Steve, My wife and I currently have credit card debt of about $60,000. In addition to that we have 2 mortgages and 1 car payment with about 1 year remaining. We both have incomes, and are barely able to make the minimum payments. We aren’t behind on any of our debts, but continue to live a lifestyle where we ... Read More »

                    Should We Take Money From Our IRA to Buy a Car? – Brenda

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                    “Dear Steve, Retired – husband 69 and I am 65 Husband worked for a now defunct airline for 28 years so pension is minimal from PBGC. I have an IRA worth about $210K (withdrawing $10K lump sum annually). We are both currently collecting social security. My husband has two part-time jobs and I have one part-time job producing an insignificant ... Read More »

                      Is It Better to Go Bankrupt or Settle My Debt With 401(k) Money? – Lynn

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                      “Dear Steve, Hi Steve, first let me tell you what agreat comfort you are to many people. Honest advice is hard to find. I have written you before and value your opinion. If there is a way to settle debt with the creditor for a decent amount, is it not better to do that than go bankrubt? I will have ... Read More »

                        http://twitpic.com/ohz2p How’s this for an unexpected bonus. The lunch rainbow.

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                        getoutofdebtguy: How's this for an unexpected bonus. The lunch rainbow. Read More »

                          I’m Disabled and Falling Into Debt But the Bankruptcy Lawyer Said Bankruptcy is Not for Me. – Dorothy

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                          “Hi Steve, I am in a situation that I need good sound advice about. I am 39 years old and permanently disabled, having become so in 2002. I receive Social Security benefits monthly. I have a caregiver who permanently lives with and cares for me. His only income is from the state for providing my care. We both have unsecured ... Read More »

                            Citibank in Dubai Wants Blank Cheques From Me to Repay Debt. – James

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                            “Dear Steve, Having left the country due to losing my job in the early part of the year (a common occurance in Dubai!). However I had left about 40,000 AED of debt on my Citi Bank credit card. I managed to make payments till July but had not paid for 3 months. Fortunately I have kept constant contact with them ... Read More »

                              Is It True My Creditor Might Take Less Than The Full Balance as Payment in Full? – Larry

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                              “Dear Steve, I have credit card debt, can afford more than the minimum payments but not the entire balance. Is there truth to the fact that issuers will accept a lower amount as a balance payoff? And is there any formula to this? e.g., would Chase take 2k in one payment to settle a 5k balance that’s been on time ... Read More »

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