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Home > Author Archives: Steve Rhode (page 682)

Author Archives: Steve Rhode

I Had a Rent Check Bounce, Owe the Cable Company, and Student Loans. – Tina

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“Dear Steve, Have student loan which I currently owe $1000 dollars on because I have not been able to pay it, just had a rent check bounce and owe another one right away, also owe the cable company (though this is in collections now too) ~$500. I would make enough to support myself if I could just get caught up. ... Read More »

    Our Debt is so Stressful. It’s Taking a Toll on Our Marriage and Our Children. – Chloe

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    “Dear Steve, I’m married own a home and pay all my bills on time, but I am so over my head. Each month after all the bills are paid we are left with less then $150. It is so stressfull. It’s taking a toll on our marriage and our children. We absolutely do nothing, but go to work and go ... Read More »

      We are Living Paycheck to Paycheck and Being Sued for Thousands Plus Legal Fees. – Vanessa

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      “Dear Steve, Several years before I met my husband he took out a loan to get a car. At the time he was in the Navy and was stationed in San Diego, CA.His family lived in MI, where we now live, and while visiting them he was in a car accident which totaled the car. The car insurance company that ... Read More »

        My Daughter Has a Student Loan That She Can’t Pay Because of a Medical Condition. – Pat

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        “Dear Steve, My daughter has a student loan that she could not pay because of her medical condition. She is on assistance from the state and has a one year old daughter she barley makes only less than 300 dollars a month on her part-time job. She was recently served with papers for a law suit from the University. They ... Read More »

          Should I Cash Out my 401K to Pay Off My Credit Card Debt. – Taneah

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          “Dear Steve, I am a 27 yr old single working mother and I have appr 25K in 401k funds. I also have appr 15K in credit card debt that is making it tough to pay monthly bills. At this age, should I consider cashing out my 401K and paying my ccard debt off. I also have to consider that my ... Read More »

            Video of Debt Collectors That Pose as Police to Scare People to Pay or They Go Directly to Jail

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            There are plenty of respectable and good debt collectors that run their business in compliance with local and federal laws. And then there are the collection companies that engage in abusive practices and behavior. For those of us that regularly work with people in debt it is hard to not become distrustful or develop a strong dislike for debt collectors ... Read More »

              I’ve Been Through Bankruptcy, Divorce, and Foreclosure. How Can I Rebuild My Credit? – Susan

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              “Dear Steve, My bankruptcy was discharged 10/07. I lost my home. It was the result of a past divorce, and the sudden loss of my job of 18 years. I’ve now been with my new employer for 2 years and finding it very difficult to rebuild my credit, i’ve managed to get a credit card with a low limit and ... Read More »

                I Just Got My Job Back, and I Am Playing Catch Up on My Bills. – Nicole

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                “Dear Steve, I just got my job back, and I am playing catch up on my bills. Between my husband and I, we have about $2800 in credit card debt. I tried calling to get my interest rate lowered, but all they said was when an offer comes aound that you qualify for, then we will lower your apr. I ... Read More »

                  I Have Contacted CCCS and Money Management International And Was Told They Can’t Help Me. – Josephine

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                  “Dear Steve, I have contacted CCCS and Money Management International and was told my debt/inome ratio would make it impossible to make payment arrangements with citi that I owe $25,000.00. Then I saw a bankruptcy attorney. The bankruptcy atty told me that I have too much equity in my house to go bankrupt and yet I can barely make ends ... Read More »

                    I’m Sick and Tired of Being Sick and Tired. – Paul

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                    “Dear Steve, Im sick and tired of being sick and tired need a job desperately cause SSD payments are not enough, Cant buy food,power, water,phone, medicines, etc. other than SSD payment wife works part time only job she can get, were about to loose home, car, sanity etc. How does a severely physically disabled adult return to woks after having ... Read More »

                      I Want My Creditors to Forgive Part of My Debt and Give Me Payments That Are Doable. – Kathy

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                      “Hi Steve! I lost my job for the second time this past October (economy) and I have both a mortgage and significant credit card debt. I do not want to file for bankruptcy, but I can’t handle these payments, too high. How do I get some of the credit cards to forgive some of the debt and give me payments ... Read More »

                        We Were Forced to Close Our S Corp Business. – Jean

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                        Jean “Dear Steve, Greetings,and thank you for your time and efforts…My husband and my self were forced to close our business of twelve years,OCT 2008 we are sole owners and a S Corp. Two years previous we noticed a significant decline in the economic spending habits, this decline forced us to use all our equity line of credit in our ... Read More »

                          How Do I Negotiate With Credit Card Companies to Lower My Balance and Stop Charging Me Interest? – Mark

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                          “Dear Steve, I’m $20,000 in debt, trying to modify home loan, income shrinking, savings gone How do I negotiate with credit card companies to lower balance, stop charging interest? Mark” The Answer   Dear Mark, The first step is to call your credit card companies and see what they will offer you. If that gets you nowhere then I suggest ... Read More »

                            My Family and I Have Always Lived a Modest Lifestyle But We Are Dying From Medical Debt. – Paul

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                            “Dear Steve, My family and I have always lived a modest lifestyle. We built a modest home and only owe $75,000. We wait until a car is paid for before we ever think of buying something new. I can’t say that we have fallen into the norm of using credit cards to buy things we don’t have cash to purchase. ... Read More »

                              Debit Cards Less Safe Than Credit Cards & Please Use Your Credit Card Online

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                              Over the years I have been droning on and on about the differences between a debit card and a credit card regarding safety and why people need to be more afraid of using their card in a restaurant than online. Where does the waiter go with your card when you hand it to them? Debit cards and credit cards are ... Read More »

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