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Home > Author Archives: Steve Rhode (page 688)

Author Archives: Steve Rhode

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 »

                    I’m Addicted to Your Podcast MoneyHelp. – Mykell

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                    Mykell “Dear Steve, I am addicted to your podcast and now I can’t find any updated ones! Did you guys stop doing MoneyHelp podcasts in April of 2007 or are they now hosted somewhere other than itunes? MoneyHelp really did help me get on a positive path to grabbing hold of my finances and head in the right direction. Thanks ... Read More »

                      I Was Jobless For a While And I’m 120 Days Late. – Billy

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                      Billy “Dear Steve, I was jobless for awhile. I am 120 days late on alot of my bills… Credit cards etc.. right now im barely making enough to keep me a float. Im able to just pay neccessities right now. With different companies calling me everyday wanting me to pay, I have told all of them my situation. I dont ... Read More »

                        CACH Letter Says a Sheriff Would Be Sent Shortly. – Douglas

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                        Douglas “Dear Steve, My mother received a collection letter at her home of which I have not lived for a number of years. The letter stated that a sheriff would be sent shortly to serve a complaint. The collection letter said that they are not a law firm, that they were just trying to collect a debt. The letter says ... Read More »

                          I Got My Credit Report But How Can I Improve My Credit Score? – Melissa

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                          “Dear Steve, I received a credit report print out from all 3 credit bureaus. My credit score ranges from 604-639. I have an outstanding debt from a collection agency for $1500. And another for $183. I have paid a car loan off and I have one credit card with a $250 limit,which is current with a zero balance. I also ... Read More »

                            American Express Teleconference Lawsuit. – Ernie

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                            Ernie “Dear Steve, I have a notice to appear in a judges chamber for a teleconference call with a law firm of Wagner and Hunt (American Express), In the past we have corresponded each time I gave them an offer to settle but they have never responded and now we are about to go to this step. I do not ... Read More »

                              The SCH Corp, ACCS Corp and American Corrective Counseling Services Postcard. – Melissa

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                              “Dear Steve, I received a postcard about SCH Corp. , ACCS Corp., and American Corrective Counseling Services Inc. , filing Ch. 11 (Bankruptcy), in this postcard it is talking about a claim I might have. Melissa”   Dear Melissa, A lot of people have received the postcard about the American Corrective Counseling Service company filing for Chapter 11 bankruptcy. American ... Read More »

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