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Home > Author Archives: Steve Rhode (page 685)

Author Archives: Steve Rhode

Negotiate With Your Doctor For Cheaper Medical Care

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I’ve noticed that doctors have been doing more negotiating on the cost of services. My daughter went to a local doctor that offered to knock 40% off the cost of the visit if she paid in advance for the office visit. The other day I noticed that the local urgent care place now offers up to 30% off for bills ... Read More »

    Should I Consider Bankruptcy? – Jan

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    “Dear Steve, My car payoff is $22,900 and I pay $450 a month. I have credit debt that adds up to $20,000. I’m receiving unemployment for the time being I am making payments on everything but I’m nearing an end as far as income coming in. I have not found a job and soon my unemployment will expire. Should I ... Read More »

      Our Friends Cashed Out Their 401K And Now Need to Walk Away From Their House. – Jody

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      Jody “Dear Steve, I’m asking for our friends. He has two part time jobs. She just got laid off from her job. They have cashed out their 401K and are paying off all their debts but the one thing that they are wondering about is their house. They are upside down in it because they got an equity line of ... Read More »

        Suzie Orman Agrees With Me On Minimum Payments

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        Yesterday I was watching television and this short segment on Suzie Orman came on. I’m not a huge fan of Suzie Orman but that has to do with her presentation rather than her advice. For some reason, to me, she is like nails on a blackboard. But there I was, watching her short piece on CBS Sunday Morning and she ... Read More »

          Community College is Garnishing Money for Classes Never Attended. – Serenity

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          Serenity “Dear Steve, I lived in Arizona and was relocating to OK last spring. I had job interviews,my living situation and my whole move worked out. Then I got into an awful car wreck that totaled my car and by the grace of the gods I walked away,unbelievably so. The wreck happened the same week I was to move. I ... Read More »

            Should We Just Throw Up Our Hands And Move On? – Jennifer

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            “Dear Steve, Relocated out of state…house did not sell for 2 years, finally sold in a short sale and we signed a 30k promissory note. ALL other credit is PERFECT, but we are treated like bad seed. CC companies raising interest rates and slashing credit limits. Go to a store to use a card and it has been cut off ... Read More »

              Capital One is Calling Me Every Day Even Though I Am Disabled. – Debra

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              Debra “Dear Steve, I haven’t wored in about 5 years due to a car accident, I’m not getting SS disability because they don’t believe I’m injured enough, I’m living with a relative, I have no assets or even a bank account. I am being sued by Capital One for a long ago credit card bill. I have already responded and ... Read More »

                I Have No Assets And Collectors Are Coming After Me. Should I Go Bankrupt? – Tim

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                “Hi Steve, Great Site, Great Photo’s. How do u make a living offering all this free help? My Question, I have around $100,000 in Credit Card Debt. I don’t own a home, it’s in my wife’s name. I lease a car 2002 Model payments $299 per month, car is worth less than the lease 100,000 Miles on it. I am ... Read More »

                  This Photograph is For Janet

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                  I just answered a question for Janet and I told her I would post one of my photographs for her. I took this photograph inside a trashed and abandoned house. On the inside it was dark, depressing and scary, but outside was warm and sunny. It reminded me a bit of how life feels when you are in debt. What ... Read More »

                    Are the Collectors Lying to Me? – Janet

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                    URGENT QUESTION! Janet “Dear Steve, I am now getting phone calls from creditors with deals to wipe half off & low monthly payments – I am worried that the wiped off half will be given to a collection agency later on. Where were these people when I asked for help before I got behind? I think we should just finish ... Read More »

                      Should I Take Money Out of My IRA to Pay My Credit Cards? – David

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                      “Hi Steve, My wife is out of work and I was for about a year. We have about 40K in CC debt and there is no way I see to get rid of that. We have 2 houses and can’t selll the one we do not live in as the market stinks. We have the two mortgages. I have 54K ... Read More »

                        I’m a Soon to be Homeless College Student With Unpaid Rent. – Danielle

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                        Danielle “Dear Steve, I currently owe $1,465 for rent cause I lost my job and now its in collections an my sister wants me and my 2 year old daughter out. How can I get help paying it I’m a full time student in college? Danielle” The Answer   Dear Danielle, It sounds like you’ll need to not be a ... Read More »

                          I am a College Student and Owe Bank of America $1,200. – Keith

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                          Keith “Dear Steve, I am a college student, with bad credit. I have one bank of America credit card that I haven’t used, but it is $1,200 past due because I haven’t made payments. With one more year of college left, I need to know how I can resolve this credit situation. My college loans do not pass 20,000 for ... Read More »

                            I Have Bad Credit And Want a Loan to Pay Off My Payday Loans. – Charlene

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                            Charlene “Dear Steve, Please I need some help right now. I dont know why I did this but during the holiday season I needed xtra cash and i got some payday loans and all of a sudden my checking account was in the red for almost a thousand dollors and right now my checking account is well over a thousand ... Read More »

                              Eleven Companies Settle With The State Under New Debt-Management And Credit Counseling Regulations

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                              Colorado Attorney General John Suthers announced 3-12-2009 that enforcement actions taken under debt management laws that came into effect last year have resulted in settlements from 11 companies. “In this current economy, consumers need to be particularly careful about offers to eliminate debts and erase negative information from credit records,” Attorney General John Suthers said. “Consumers should avoid paying large ... Read More »

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