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Home > Author Archives: Steve Rhode (page 684)

Author Archives: Steve Rhode

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”   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 you turn ... 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 »

                      Recently Divorced Mother of Three Has Credit Card, Medical and School Debt. – Gail

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                      “Dear Steve, Recently divorced mother of 3. I still have a great deal of credit card, medical and school debt. I am only working part time and would really like to begin making some type of payments to my creditors no matter how small until my emploument situation emproves. Should I contact each of my creditors and how do I ... Read More »

                        My Credit Score is Low. How Do I Fix It? – Brook

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                        “Dear Steve, The collections on my credit score are very high and I am overwhelmed how to fix it. However I don’t want to get scammed by a credit repair services but I really need some help! Where do I turn for help? Brook” Read More »

                          We Had to Charge Some of Our Daily Expenses to Get By. – Tracey

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                          “Dear Steve, My husband and I have over $65,000 in credit card debt. We have to charge some monthly payments, such as insurance, and all of our daily expenses so that we can pay all of our bills on time. This, of course, just makes the credit card bills continue to go up. Bankruptcy is not an option because I ... Read More »

                            Retired With Debt on Social Security. What Should I Do? – Kent

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                            “Dear Steve, Retired one year ago.Have $37,000 in credit card debt.Payments total $1,200 and my SS is $20,000. I am not behind but struggle to make payments. Several cards have uped my rate to 30.0% only do to my debt to income ratio.Again, not behind but getting nowwhere with cards increasing rates. Considered Banko or walking away. Could you help. ... Read More »

                              I Have Bad Credit From a Bad Relationship. – Meranda

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                              “Dear Steve, I have bad credit because I got in a relationship very young and have credit cards maxed and a few things in collection. Now I have 2 children and am not working I am on maternity leave and really want to get out of a bad relationship. I have looked at renting at another location but found out ... Read More »

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