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Home > Author Archives: Steve Rhode (page 690)

Author Archives: Steve Rhode

The Crush of Debt. A Moment of Beauty.

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Running Rocks, originally uploaded by Steve Rhode. When you are dying under the crush of debt or the pressure of financial catastrophe, take a moment, a breath, and find some image that helps you to relax. This one helps me to relax. There is everyday beauty around you. There is plenty to be grateful for. Self-punishment and thoughts of suicide ... Read More »

    Don’t Pay Your Taxes With a Credit Card

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    It’s getting towards that time of the year again when tax bills will come due and many will hope for a big refund to save them from financial disaster. If you owe the IRS, one of the payment options is to use your credit card to pay the bill. But the IRS is special. They get to violate one of ... Read More »

      Man Ultimately Killed by City Utility Company for Taking Payment to Wrong Bank

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      Marvin Schur of Bay City Michigan was found stiff as a board in his bedroom after the city turned off his power. When he was found the internal house temperature was cooler than many refrigerators. “When neighbors went inside Marvin Schur’s house, the windows were frosted over, icicles hung from a faucet, and the 93-year-old World War II veteran lay ... Read More »

        Consumer Bankruptcy Attorneys Stand Behind Government Plan to Allow Bankruptcy Judges to Modify Mortgages

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        The following statement was issued today on behalf of the 3,500-member National Association of Consumer Bankruptcy Attorneys (NACBA) by bankruptcy attorney and NACBA president Carey Ebert of Fort Worth, TX: “At a time when an estimated 6,600 American families are losing their homes to foreclosure every day, we welcome the Obama Administration’s support for changes to existing bankruptcy laws that ... Read More »

          Are CCCS and Credit Counselors Salivating From Government Push to Help Save Homes With Housing Counseling?

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          Don’t be confused, housing counseling by credit counselors is a profitable business. And now that the government has laid out a new, aggressive plan, to help people to avoid foreclosure, credit counseling groups must be celebrating with a big party. Housing counseling is a revenue source for credit counseling offices and with the sudden availability of help and resources for ... Read More »

            Government Mortgage Assistance, Resources to Avoid Foreclosure, Homeowner Affordability and Stability Plan

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            At this time the Obama administration is preparing to revel their new approach to help homeowners avoid the loss of their homes in foreclosure. I’ll use this post to provide new information as it is made available. Here is what I know right now. The Obama plan calls for: Helping borrowers who owe more than 80% of their home’s value ... Read More »

              I’m Afraid I’m Going to Lose My Car in Bankruptcy. – Veta

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              Veta “Dear Steve, I’m going to file a Chapter 7 bankruptcy and I would like to keep my car but I might not have enough exemption. Even if I do the judge may not allow me to reaffirm the car loan because the payment is so high. So I don’t know if I should keep making the payment on it ... Read More »

                I Have a Loan Through Bank of America and I’m Going to Declare Bankruptcy. – Nick

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                Nick “Dear Steve, I have a Loan through Bank of America and the APR IS 15.99%!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!, I am going to declare bankruptcy soon if this isnt lowered. Can you Lower my APR? Nick” The Answer   Dear Nick, These days 15.99% isn’t a bad interest rate on a credit card, But you didn’t say what kind of loan this was. ... Read More »

                  Your Quickies For the Day

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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 gift card giving – Be carful giving gift cards from any retail store these ... Read More »

                    The Autumn of Mortgage Lender Abuse

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                    Center & Plaza, originally uploaded by Brad Gillette. Today a very important announcement is going to come out from the government with a plan to help people have at least a chance of dealing with the foreclosure mess, upon us, and to come. If we are lucky, the announcement will carry a provision allowing bankruptcy judges to have some input ... Read More »

                      My Visit to the Local Food Bank to Learn About How to Feed the Hungry

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                      So where do you turn when you are hungry and can’t afford to feed yourself or your family? Maybe a food bank is something to investigate. This morning I had the pleasure of visiting the Food Bank of Central & Eastern North Carolina in Raleigh. Christy, an exuberant representative, gave me the grand tour of the facility and helped me ... Read More »

                        Apparently People In Debt Don’t Find Love, Unless You Find Another Debtor

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                        Well apparently CNN is struggling to find some breaking news so a crew was available to do a story on dating and debt. It’s worth a look. Embedded video from CNN Video Read More »

                          Getting The Boot

                          The Boot, originally uploaded by Steve Rhode. For some reason I seem to keep my photography life and debt advice life in two separate compartments. Yet much of my photos have grown out of the angst and pain that my debt advice brings me. Here is a good example. I just saw this lone boot, left in the back of ... Read More »

                            Let NASCAR Help You Eliminate Your Credit Cards and Get Out of Debt

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                            Everyone has a hobby. For some it is shopping, collecting or something else that causes money to leap out of your pocket. And when getting out of debt, that’s not what you need or want. But you know there are a lot of things you can do to keep yourself busy that don’t cost a single additional penny and can ... Read More »

                              Banks, Wall Street, and Mortgage Companies Screwed Consumers And Now Want to Leave You Hanging

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                              I just watched the CNBC special “House of Cards” about the inside of the mortgage industry, rating agencies and the Wall Street banks that pumped loans to consumers that they knew people could not afford. And now that we are faced with a national foreclosure crisis, the very same banks and lenders now won’t workout arrangements to allow people to ... Read More »

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