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Home > Author Archives: Steve Rhode (page 684)

Author Archives: Steve Rhode

I Want You to Meet Who You Helped Today – Meyhi El Dien

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It is important for you to meet who we helped today through this site. As I mention, all over the place, revenue from people clicking on ads and using the service of advertisers is used to help sponsor people in poverty through Kiva. Please visit or use the services of advertisers on the site so we can help more people. ... Read More »

    I Am in Debt to American Express And Being Sued By AMEX. – Linda

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    Linda “Dear Steve, I have been a customer for 13 years. In that time my payments were never late. Dec. 2007, I was late. A customer rep called me and I handled it right away. (Late payment was the result of an unexpected death in immediate family.) As a result the interest rate was raised to the maximum 29%. This ... Read More »

      I Want to Tidy Up My Debt And Make It Look Better. – Laurie

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      “Dear Steve, Putting it nicely I want to “tidy” up my debt. I want to get my ducks in a row so my husband and I can eventually buy a different house. Here’s my financial picture: Together my husband and I take home: $5800/month Secured Debts: Total: $1503/month broken down as the following: 1st mortgage approx 72,000 @ 6.75% 30 ... Read More »

        I Don’t Want to Pay Stupid Credit Card Overlimit Fees And Charges. – Melissa

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        “Dear Steve, I have 2 credit cards that I haven’t paid since August. Now my debt is almost 5000 since most is from over limit, late payment and finance charges. I was able to get one credit card to accept 50 a month at 0% for the next 12 months. Obviously i am hoping to pay more over the course ... Read More »

          Who is the Contact at First Horizon Loss Mitigation? – Daniela

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          Daniela “Dear Steve, My lender is First Horizon Who should I contact with, who is the right person in Loss Mitigation Department I am already in default 3 months. Please help. Daniela”   Dear Daniela First Horizon Loss Mitigation Department Leigh Ann Hammon Lhammon@firsthorizon.com 214-441-7329 Shantell Williams shtaylor@firsthorizon.com 214-441-6013 Read More »

            Is There a Debt Management Program For Folks Who Are Not Currently Behind? – John

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            “Dear Steve, Between medical bills, my son’s college tuition, and just plain being stupid, my credit card debt has just gotten out of control. I’m not having any problem making minimum payments right now, but I see that changing in the coming months. We bought a house last September and as soon as the mortgage began reporting, the credit card ... Read More »

              I’m Unemployed on Jobseekers Allowance But Creditors Want More. – Paul

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              “Dear Steve, I’m on jobseekers allowance at present been unemployed for 6 months I am in debt on 4 credit cards total amount eighteen thousand pounds sent in budget plans with offer of payment but still find it difficult to keep up the payments and the debt companies never let go no matter what you tell them they still keep ... Read More »

                I’ve Said It For Years, a Debit Card is Not as Safe to Use as a Credit Card

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                The Consumerist site had a great story titled “Why Do Lenders Want You To Use Your Debit Card Like A Credit Card?” in which they brought up the issue again about the differences between a credit card and a debit card. Debit cards have invaded our lives and they are pushed like crack by our banks. The information the banks ... Read More »

                  Collection Agent Trying Not to Use Violence

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                  A recent article in the Christian Science Monitor just exemplifies how different consumer debt rules are around the world. In some areas debt collectors can intimidate you and in other parts of the world they can come to your home and office and shame you, grab you or break in. The article is about debt problems in India and my ... Read More »

                    I Have $95,000 of Credit Card Debt. – David

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                    “Dear Steve, I am nearly 50 years old computer programmer living in Bay Area CA. I accumulated big credit card debts ~95K due to the fact I was unemployed multiple times in the last few years and I’ve been unemployed now for more then 3 months. I was never late on my payments except last month (March 2009). I’ve considered ... Read More »

                      I Was Laid Off and Burned Through My Savings. – Tom

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                      Tom “Dear Steve, I was laid off last year and out of work for 5 months. That burned through my savings. I got a one year contract position which has now ended. I have $45K of unsecured credit and a $6K balance on a secured auto loan. Since I am out of work, I contacted my lender, Wells Fargo Bank, ... Read More »

                        The Collection Agency Will Not Give Me an Estimate I Am Able to Do. – Sara

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                        Sara “Dear Steve, I have 1 credit card that has been in collections for a while now. I would like to pay it off but the collections agency will not give me a an estimate I am able to do. Is there any way of getting help in lowering the total amount I need to pay? Sara”   Dear Sara, ... Read More »

                          I Owe Navy Federal Credit Union $17,000. – Garr

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                          Garr “Dear Steve, I owe Navy Federal Credit Union $17,000 the account is charge off but they are take legal act to garnishment or civil suit i am not sure they take a settlement. Garr”   Dear Garr, The issue here that you need to take some action to intervene here instead of just watching the bus hit you. If ... Read More »

                            I’d Like to Settle My Debts Without Using a Service. – Kathleen

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                            Kathleen “Dear Steve, I currently have 3 credit cards I owe on for a total of approximately $3500.00. I have been receiving calls from the companies because I am behind on payments and would like to contact them to make arrangements to settle these obligations over the next 6 months. The amounts I actually owe is less, but the fees ... Read More »

                              My Credit Card Companies Said They Can’t Help Even if They Got a Bailout. – Shaun

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                              Shaun “Dear Steve, Hubby and I bought our home in 2007, our credit was in pretty good condition. We had the same amount of credit cards as we do now, with the exception of 2. One each. Some are the same cards for both of us. We have about 13 or 14000 in just credit cards. My car will be ... Read More »

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