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Home > Author Archives: Steve Rhode (page 688)

Author Archives: Steve Rhode

Quickies – Bank of America, Payday Loans, Divorce, 401k, Credit Report

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When I need a break from answering questions I often take a look for some odd or interesting search terms that people used to find me. Below are some of the latest I saw today that I wanted to provide quick answers to. Steve Search Terms will bank of america negotiate debt – Yes but debt settlement can be tricky ... Read More »

    Reforms Recommended for Debt Collectors and Debt Collection Industry

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    The Federal Trade Commission issued a report today recommending that the debt collection legal system be reformed and modernized to reflect changes in consumer debt, the debt collection industry, and technology. The report describes the changes the FTC believes will provide better consumer protection without unduly burdening the debt collection industry. The Commission also issued its 31st annual report to ... Read More »

      Statute of Limitations and Time-Barred Debts: State Information

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      “Time-barred” debts are debts so old they are beyond the point at which a creditor or debt collector may sue you to collect. This is often referred to as debts that are beyond the statute of limitations. State law varies as to when a creditor or debt collector may no longer sue to collect: in most states, the statute of ... Read More »

        My Husband Died and I Was Laid Off. – Linda

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        Linda “Dear Steve, I am 51 years old. My husband died 3 years ago. I was layed off from my job in Oct. 2008. I have over 40,000.00 in credit card debt and 50,000.00 on a home equity loan. The interest rates are killing me. I may have to file bancruptcy. How can I lower my interest rates so I ... Read More »

          Identity Theft and Credit Card Fraud for New Boobs

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            I Want You to Meet Who You Helped Today – Ludmila Boiko

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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 Found I Owe an Old Medical Bill. What Can Credit Collectors do to Me? – Mark

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              “Dear Steve, I am trying to clean up my credit. I found that I owe a medical bill from 2003. What can credit collectors do to me? I thought that these end after a number of years. Mark” The Answer   Dear Mark, My first reaction is that if you owe the bill and you can afford to pay it, ... Read More »

                My Husband Passed Away And Now the Credit Card Company Wants the Full Amount. – Merle

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                Merle “Dear Steve, I have a credit card that I’ve had for over 10 years. It was in mine and my husbands name. I have been paying by check signing my name all this time. My husband passed away almost 2 years ago. They found out and are now calling for the full amount of $6,000. I haven’t been late ... Read More »

                  A Secret You Are Not Supposed to Know – Citibank CCCS Credit Counseling Terms

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                  I’ve written a lot about the misperception that people have that going into a CCCS or credit counseling program involves some sort of negotiation with your creditors. It doesn’t. You will notice that none of the credit counseling groups say that they are there to defend you and put you first. This is because no matter what they say, as ... Read More »

                    I Want You to Meet Who You Helped Today – Pham Thi Van

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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 »

                      What Are You Going to Do Today to Help Someone Dying With Debt?

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                      Each day I get up, check my inbox and tackle answering emails and questions from people that are suffering with debt issues. I do it because I think it is the right thing to do. It is something tangible I can do to ease the suffering, fear, uncertainty and anxiousness that many are suffering with in silence. But I challenge ... Read More »

                        Quickies – CCCS Consumer Review, Autos, Cards, Balances, and Debt

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                        When I need a break from answering questions I often take a look for some odd or interesting search terms that people used to find me. Below are some of the latest I saw today that I wanted to provide quick answers to. Steve Search Terms CCCS consumer review – CCCS stands for Consumer Credit Counseling Service but it has ... Read More »

                          Should I Cash Out My 401k to Pay Off My Credit Card Debt? – Chad

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                          “Dear Steve, I have 30K in credit card debt, and I own a house. My property taxes went up 2k this year, and I can no longer put money in the credit card to pay down the payment. All my available income goes towards house payment and insurance, and taxes. I can make mimimum payment on credit cards. Should I ... Read More »

                            An Interesting Way to Cut the Cost of a College Degree

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                            Just when I thought that a four year degree was a standard set in stone, apparently it is not. Recent talk about rolling out three year degree programs might be a good way to cut the cost of college by 25%, as long as tuition does not keep rising. Anyway, here is the story that caught my eye today. Some ... Read More »

                              SO THIS IS HOW IT FEELS TO BE IN DEBT!

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                              An old friend of mine let me know recently that he had been struggling with some financial problems. While debt issues are not something that you often share with just anyone, my friend trusted me enough to open up to me for advice and a friendly shoulder to lean on. My friend, to be anonymously known here as Bob, wrote ... Read More »

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