Home > Author Archives: Steve Rhode (page 640)

Author Archives: Steve Rhode

Dave Burke and His Real Talk Network Were Supposed to Help Us But Sent Us to Collections. – Kelly

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“Dear Steve, I have read 2 articles by you about people trying to do business with this company and getting sent to collections. This happened to us also. We were not contacted by RTN, just sent immediately to a collection agency. They refused my husband’s calls and the collection agency representative even told us that we shouldn’t do business with ... Read More »

    John McCain Has Bad Credit Card Rates

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    So there I was on opensecrets.org and looking at the financial disclosure form for presidential candidate Senator John S. McCain, III, and right there on page 27, there it was. John and Cindy McCain have a joint credit card with Chase bank with a balance of between $10,000 to $15,000 and they are paying 25.99% on it. That hit me ... Read More »

      How Do I Get The Phone to Stop Ringing With Debt Collectors? – Renee

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      URGENT QUESTION! Renee “Dear Steve, My husband and I have both been unemployed since the first of November. We have two small children, two mortgages (total exceeds current market value), and several unsecured debts (nearly $20000). We are currently unable to even pay minimums. The mortgage company will begin foreclosure if we don’t pay them $1500 within the week. We ... Read More »

        My Photo of the Day – The Colorful Alley

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        One of my greatest joys, is my photography. It is something that I love to do. It is an extremely personal part of me that I thought I’d share with you. Even if you are facing difficult financial times, find something you love to do as well. Read my previous post “Don’t Let Your Debt Consume Your Life. Take Advantage ... Read More »

          How Do I Pay My Credit Card Bills and Still Have Money for Day-to-Day Expenses? – Maria

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          “Dear Steve, I am a teacher. I have enough for mortgage and bills but not for credit card payments anymore and I am going crazy with debt. I was paying my minimum payments on credit cards but then was left with no money left over for day to day expenses so I would use the little amount available on the ... Read More »

            Frederick J. Hanna & Associates is Trying to Collect an Old Capital One Debt From Me. – Ann

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            “Dear Steve, I am in debt with Capital One credit card company. I’ve been unable to pay them for the past year. I just recived a letter from FREDERICK J. HANNA & ASSOCIATES, P.C. ATTORNEYS AT LAW. It states I need to contact them to make arrangements to pay the unpaid balance. If I don’t notify the office within 30 ... Read More »

              Should I Take Out My 401K to Tide Us Over? – Dwight

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              Dwight “Dear Steve, I am a software salesman to the car wash industry. With the slowdown of the economy I have taken an almost 50% decrease in pay ($100K down to $50K). It looks like my income this year will be in the $40K area. I have a family of 4 beautiful kids (all girls) and a wife who works ... Read More »

                How to Buy a House With Marks on Your Credit

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                If you have any negative marks on your credit such as a late payment, default, repossession, lien, judgment or bankruptcy you probably think you’ll never be able to buy a house. Not so. If you have a steady and secure income that is high enough so you can afford to make the monthly payments, and you have a sufficient sum ... Read More »

                  How to Buy a Car With Marks on Your Credit and Not Get Taken for a Ride

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                  If you have any negative marks on your credit such as a late payment, default, repossession, foreclosure, lien, judgment or bankruptcy you probably think you’ll have a hard time buying a car (or truck or van). Think again. There are many options available to you, but you’ve got to understand the advantages and disadvantages of each. Consider the following: You ... Read More »

                    My Credit Reports Are in Such Bad Shape That I Can’t Get Credit Anymore. – Mariana

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                    Mariana “Dear Steve, My credit reports are in such bad standing that I can not get any more credit. I suspect identity theft on my credit report from Equifax but can’t obtain a copy of it bc of all the fradgulent claims such as a mortgage on a home – I dont own a home. How can i get a ... Read More »

                      Ohio AG Goes after Barclays Capital Real Estate, HomeEq Services for Unfair Loan Modifications

                      The Ohio Attorney general has gone after Barclays Capital Real Estate operating under HomeEQ Servicing for several issues but one of them was an attempt to get Ohio consumers seeking loan modifications to sign agreements that included provisions for the borrower to: Waive all defenses, claims or offsets with respect to the unpaid principal balance as adjusted by HomeEQ to ... Read More »

                        Will the American Mortgage Company Chase My Son to the British Channel Islands? – Linda

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                        “Dear Steve, I am trying to help my Son/Daughter in law with their American Mortgage My Son/Daughter in law got caught up in a Florida buy from plan scheme and ended up with an American mortgage for $350,000 They live in Jersey in the Channel Islands, both have lost their high paying salaries and now have a third of the ... Read More »

                          Is Taking Money Out of My IRA to Pay Off Credit Card Debt a Smart Thing to Do? – Sarah

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                          “Dear Steve, I have about 25k in my IRA and about 2k in my 401k. I owe about 11k on credit cards and every month I go more into debt because I make less money then all of my bills. If I were to pay off my credit cards, I would have enough money to live on and wouldn’t need ... Read More »

                            First American Debt Solutions Apparently Lying to Debtors to Scare Them

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                            Bankruptcy attorney Dan Nunley in Oklahoma gets the credit for breaking this story. “It seems that a debt settlement company by the name of First American Debt Solutions (FADS) of Deerfield Beach, Florida, is mailing solicitation letters to Chapter 13 bankruptcy debtors across the USA. In the letter, FADS blatantly lies to the debtors by telling them that their Chapter ... Read More »

                              My Wife and I Are in the Military and Need to Get a Consolidation Loan. – Andy

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                              I apologize in advance for the short response. I am currently away on vacation with limited internet but wanted to give you an answer as soon as possible. Steve Andy “Dear Steve, My Wife and I are in the Military and have 3 or 4 credit cards and a few loans. My wife had identify theft and we tried to ... Read More »

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