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Home > Author Archives: Steve Rhode (page 685)

Author Archives: Steve Rhode

I Received a Mailer From Payment Reduction Service and Core Pac Solutions to Modify My Mortgage. – Charles

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Charles “Dear Steve, My mortgage is upside down, I am one month behind, I cannot qualify for a re-finance given my credit score. I contacted my lender to see if I qualified for the federal loan modification plan (countrywide/BOA) and they indicated that they will contact me if they think I qualify-no word. I got an unsolicited mailer advtertising a ... Read More »

    My Credit Card Company Treated Me Like Crap And Told Me to Go Bankrupt. – Marissa

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    Marissa “Dear Steve, 3 1/2 yrs divorced, had stellar credit, (lowest score was 794) bought condo just before market peak and put $45k cash down, salary has continually decreased since by 10% total in addition to losing bonuses, paid expenses, and 401k, work hours also have shortened and are unpredictable. $10,000+ in assessments since house purchase, condo dues have more ... Read More »

      Will Cashing Out My 403b Negatively Affect My Credit? – Luke

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      Luke “Dear Steve, I have a great employer pension, a decent 401k, and a small 403b($7000). I am not worried about retirement. I tried several years ago to combine the 403b into the 401k and was told I could not do that. I have no credit card debt but ridiculous student loans and a car payment. This summer I have ... Read More »

        At What Point Do Dave Ramsey and Suze Orman Compromise Themselves For Sales?

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        This is just another one of those random thoughts that flows through my head every once in a while, so forgive me. I was thinking back on my old days when I ran a large credit counseling / debt management company and dealt with the balancing act of needing to get new clients versus always doing the right thing. I ... Read More »

          I’ve Hidden My Debt From My Husband. I’m Afraid He is Going to Find Out. – Cheryl

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          Cheryl “Dear Steve, Well me and my husband have been going through some hard times lately and I have been using my credit cards unbenounced to him just to get by. I have over the last year and a half racked up about 4000 in credit. I transferred all my credit cards to a 0% interest card for one year ... Read More »

            New York Attorney General Launches Inquiry Into Debt Collection Companies

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            ATTORNEY GENERAL CUOMO LAUNCHES INQUIRY INTO DEBT COLLECTORS ACROSS NEW YORK STATE Cuomo Shuts Down NY Collection Agencies That Threatened and Intimidated Consumers Into Paying Debts They Didn’t Owe Sends Subpoenas to Nearly 20 Debt Collectors Statewide Attorney General Andrew M. Cuomo today announced that his office has launched a statewide inquiry into debt collection companies. As part of the ... Read More »

              Get Out of Debt Podcast – Answers for James, Charlene, and Duff

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              Here is the latest Get Out of Debt show podcast. Do You Have a Question You Want to Ask? Get Out of Debt Guy – Twitter, G+, Facebook Need More Help? Get Out of Debt Guy – Twitter, G+, Facebook Questions Included in This Show: Question From James My wife and i live in las vegas where property values have ... Read More »

                Two Women Running Credit Repair Firm Lose to Arkansas Attorney General

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                Two women who ignored a lawsuit filed against them by the Arkansas attorney general’s office have not responded to a federal judge’s order that they pay nearly $700,000 in penalties for defrauding at least 139 Arkansans through a credit-repair scam. Meanwhile, the two women, Sherrye Mance and Tiffany Morris, are believed to have simply changed the name of their operation ... Read More »

                  I’m 19 With $30,000 in Debt and Preparing to Start College. – Elle

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                  Elle “Dear Steve, I’m 19 years hold i have a part-time job which they are cutting hours on,and im getting ready to start college in september im a little over 3000.000 dollars in debt. I just dont know what to do, any advice? Elle”   Dear Elle, I’ll have to go with, pay it? I don’t know what this debt ... Read More »

                    We Have Always Paid Our Bills On Time And I Don’t Want My Daughter to Suffer Now That We’ve Got Problems. – Kim

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                    Kim “Dear Steve, We have always paid our bills on time. We own our house. We are 85,000 in credit card debit. Both of our salaries have been cut. We have 2 kids and one of them rides horses. We pay about 800 a month on that and I can’t take that away from her. She makes all A’s, and ... Read More »

                      I’ve Got a Debt Situation. Can You Please Listen? – Noname

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                      Noname “Dear Steve, My situation now seems totally hopeless and I am facing homelessness I am not sure if I am asking a question (or questions) of you or just need you to read and listen, probably a little of both. I am a single/divorced women in her mid-fifties. I was divorced and raised my only child by myself, which ... Read More »

                        Get Out of Debt Podcast – Answers for Gina and Ernie

                        Here is the latest Get Out of Debt show podcast. Do You Have a Question You Want to Ask? Get Out of Debt Guy – Twitter, G+, Facebook Need More Help? Get Out of Debt Guy – Twitter, G+, Facebook Questions Included in This Show: Question From Ernie My hours have been cut back at work and I have been ... Read More »

                          I’ve Been Working Since I Was 15 and Made All the Right Financial Moves But Now I’m in Big Trouble. – Marcia

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                          Marcia “Dear Steve, I have been working since the age of 15. Every decision I made as a young adult and onward was based on increasing my solvency. I grew up working class. My parents were an example of how not to wind up. I have a master’s degree and have been working successfully in the tech industry since 1984. ... Read More »

                            What Would Happen if I Got a Mortgage With My Bad Credit Boyfriend? – Shelly

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                            “Dear Steve, I am thinking of getting a VA Loan. I would be buying the house with my boyfriend. I have great credit (780) but his is low, and has 2 foreclosures. I don’t feel I have enough income to only use mine. I’m tired of renting and have done it my whole life, I’m 35. Any advice you could ... Read More »

                              What’s on Your iPhone: My Favorite iPhone Apps


                              I would have to say that for me the iPhone has become one of those transformational gadgets that has changed my life for the better. Probably the iPhone and GPS (SatNav for my EU friends) make the most impact on making my life better. I thought I’d share with you the iPhone applications that have become ‘must have’ apps for ... Read More »

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