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Home > Author Archives: Steve Rhode (page 668)

Author Archives: Steve Rhode

I’m a College Student and I Feel Suicidal Because of My Debt. – Calvin

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Calvin “Dear Steve, I am a college student with severe chronic depression. The illness has been so debilitating that I have gone from being a dean’s list student to entering the second term of my fifth year of undergraduate school. Unfortunately, this situation has forced me to take on $41,000 in student loans. I can’t afford health insurance and even ... Read More »

    Where Has Credit Counseling Been on Pushing Ahead Alternative Dispute Resolution From BAPCPA 2005?

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    Every had one of those times when something pops into your head and makes you say to yourself, “Why?” Recently I had an opportunity to look at a copy of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. I know, I know, not the kind of light reading you normally pick up. I was looking up something else ... Read More »

      How Can I Get Inquiries Off My Credit Report? – Chris

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      “Dear Steve, I am purchasing a house for the first time. My credit report says there are too many inquires. My mortgage broker says some don’t belong to them. I also have one delinquent payment on my car, (over 30 days). How do I remove the excess inquires from my credit report? Chris”   Dear Chris, There are three types ... Read More »

        We’ve Taken a Cut in Pay And Can’t Afford Our Chapter 13 Bankruptcy Payment. – Carrie

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        Carrie “Dear Steve, My husband and I filed Chapter 13 bankruptcy in December of 2008. At the time of filing we made a combined total of $64,000 annually. Our total debt is $237,000 ($200,000 in student loans and $37,000 in credit card debt) and our trustee would not allow us to pay our student loans directly along with a smaller ... Read More »

          Should I Use My Money in the Bank to Pay Down My Credit Card? – Jenn

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          Jenn “Dear Steve, I have been out of college for 3 years. I have 26,000 student loan debt with low interest rates 1-4%, 6000 in credt card debt with 9% interest. I’m struggleing with if its better to have a savings accont or to pay down my debt. i currently have a savings account, but I dont know if I ... Read More »

            I Have a Really Big Emergency Fund to Carry Me Through My Unemployment. – Ashlee

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            Ashlee “Dear Steve, I was laid off in March 2009. I’ve been collecting unemployment and haven’t found a new job yet. I built up a large emergency fund so I’m alright until 2011 if needed (covering my mortgage, bills etc). I have a car loan and I owe around $4000 on it, however; I have the money sitting in that ... Read More »

              I Am Currently 4 Months Behind on My Mortgage and HELOC. What Do You Suggest? – Debbie

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              “Dear Steve, I am currently 4 months behind on my mortgage and my heloc. I have worked out a modification with my primary lender that I can live with, and I continue to work out a settlement offer with my heloc throuogh chase bank. what would happen if I just paid my first mortgage ? could the heloc bank attach ... Read More »

                Get Out of Debt Podcast – More Answers for Angela Concerning Picking a Bankruptcy Attorney

                Here is the latest Get Out of Debt show podcast. Do You Have a Question You Want to Ask? If you have a credit or debt question you’d like to ask call 919-321-2378. Leave your first name and question and I’m happy to help you totally for free. Get Out of Debt Guy – Twitter, G+, Facebook Need More Help? ... Read More »

                  Get Out of Debt Podcast – Answers for Deborah Who Was in an Auto Accident

                  Here is the latest Get Out of Debt show podcast. Do You Have a Question You Want to Ask? If you have a credit or debt question you’d like to ask call 919-321-2378. Leave your first name and question and I’m happy to help you totally for free. Get Out of Debt Guy – Twitter, G+, Facebook Need More Help? ... Read More »

                    Get Out of Debt Podcast – Answers for Angela and Her Concerns About Allegro Law

                    Here is the latest Get Out of Debt show podcast. Do You Have a Question You Want to Ask? If you have a credit or debt question you’d like to ask call 919-321-2378. Leave your first name and question and I’m happy to help you totally for free. Get Out of Debt Guy – Twitter, G+, Facebook Need More Help? ... Read More »

                      Do I Meet the Four Traits of a Top Financial Blogger?

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                      Earlier today a Twitter message passed by me with an interesting link to an article in the Globe and Mail about an article, ‘Four Traits of a Top Financial Blog‘. The article got me thinking about the subject so I thought I’d take a moment to revel myself to you. The Four Questions to Ask to Find a Good Personal ... Read More »

                        Get Out of Debt Podcast – Answers for Peggy About Allegro Law

                        Here is the latest Get Out of Debt show podcast. Do You Have a Question You Want to Ask? If you have a credit or debt question you’d like to ask call 919-321-2378. Leave your first name and question and I’m happy to help you totally for free. Get Out of Debt Guy – Twitter, G+, Facebook Need More Help? ... Read More »

                          I Have to File Bankruptcy But My Husband Says He Won’t Support It And Will Leave Me. – Julie

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                          Julie “Dear Steve, I have a failed business and am looking to bankrupcy to receive discharge from SBA personal guarantees and from personal credit card debt used in the business. My husband’s income puts us over the median in our state, I have already been advised by a lawyer that for this reason I will have to file Chp. 13 ... Read More »

                            I Dated a Loser Who Took My Money And Left Me With Debt But Now I Want to Get Married to a Great Guy. – Aleah

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                            Aleah “Dear Steve, I am currently in debt of an estimated $7-8,000. (this is including late fees and interest accrued) Its all about 5-6 years old. It is in collections and only one of the collectors still calls me and I don’t receive mail from that one anymore. I also have not received mail from the others in years. I ... Read More »

                              I Owe $40,000 on Student Loans. My School Closed And I Just Found Out They Were Not Accredited. – Tenisha

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                              Tenisha “Dear Steve, I graduated from a school which stated they were accredited and I find out 3 years later that it wasn’t accredited and has been closed down. For loans, I know that I our roughly $40,000. Another school has taking over, but they claim that my credits can be transfered. I need to know what should I do ... Read More »

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