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Home > Author Archives: Steve Rhode (page 692)

Author Archives: Steve Rhode

I’m in a Debt Management Program and I Can’t Afford It. What Should I Do? – Anne

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“Dear Steve, I owe tons in credit cards and am in dept management. That payment takes half of my salery each month and now my student loans are out of forberance and i don’t qualify for financial hardship. Is debt arbitration legitamite? They say they can cut my debt by 60% and my payments would be half of what I ... Read More »

    I Have AIDS and Disabled But I’m Afraid My SSDI Benefits Are Going to Get Garnished for Student Loan Payments. – Jack

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    “Dear Steve, I have AIDS and can no longer work I owe around $12,000.00 in current and way past due credit card debt. I am on SSDI and can barely pay rent+utilities. I have fought off Capital One and now I hear the feds can garnish my SSDI $$ for student loans. I think I should change phone numbers and ... Read More »

      Why is Consumer Credit Counseling Service (CCCS) Spending $18,785 a Day on Online Ads?

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      I was looking through the visitor logs on the site tonight and saw a link from a site called Keyword Spy. I followed the link back and discovered that the site is pretty cool for checking out what sites are spending on online ads. A link of a link of a link on the site took me to this page ... Read More »

        We Are Sinking Fast And Using Credit Cards For Daily Purchases. – Valerie

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        URGENT QUESTION! Valerie “Dear Steve, I cried all through writing the question. Situation is that we’ve always paid our credit card bills and always been on time and lately our credit score keeps getting worse and worse. Our mortgage/taxes/insurance costs $3000.00 per month so I don’t want to default on that. Yes, we have remortgaged too many times. Presently, I’m ... Read More »

          My Mom is in Debt and She Cries Every Night. I Can’t Stand to See Her Sad. – Calvin

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          Calvin “Dear Steve, Hi, my mom is in debt and she cries every night. I can’t stand to see her sad. The economy is horrible and we may not be able to afford our next house payment. How could I, a 13 year old help my mom. I will work, I will fight, I’m willing to do anything. Please just ... Read More »

            I’m Worried About What to Tell My Creditors About My Upcoming Bankruptcy. – Janet

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            “Dear Steve, Married with no dependents & in over our heads – we are going to a lawyer soon about bankruptcy – there is no other way – I am horrible depressed – talked to a few creditors & all they want to do is stop one payment no matter that I tell them the following month we would be ... Read More »

              If You Went Bankrupt But Did Not Include All Your Debt, Read This.

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              Recently I answered a question from Lynn, “My Car Went Missing From My Driveway Because My Ex-Husband Didn’t Make The Payments.” In that question she brought up the fact that she had gone bankrupt but had not included all of her debts in her bankruptcy and now she was in trouble with those debts not included. I went to my ... Read More »

                How Do I Remove Charge Offs From My Credit Report? – Debt Chicken

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                Debt Chicken “Dear Steve, Okay, so I did the ignoring thing with two credit cards and the banks charged them off. However, when I was finally able to pay them, I paid them off one through an attorney and the other a collection agency. My current credit reports shows the original creditor as charging them off and the collection agencies ... Read More »

                  What Is The Best Way To Pay a Collection Company? – Martin

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                  Martin “Dear Steve, I’m ready to fix my bad credit. What is the best way to pay collection agencys, should i go through a debt management program or pay them myself? Martin” The Answer   Dear Martin, If you can afford to pay the collection companies for the past debt in full with one payment, then it would be better ... Read More »

                    Should I Forego Credit Completely and Just Live on Cash? – Lady Chicken

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                    Lady Chicken “Dear Steve, I have just under 50k in student loan debt and 8k in unsecured debt. I will have paid off the 8k by June or July of 2009. My credit is horrendous and even though I have am now current on all bills I do have a credit file with a redeemed repo, three charge offs and ... Read More »

                      I’m Inquiring About You. – Ellen

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                      Ellen sent in a question that I thought was worth covering again on this site. Here is what Ellen sent in. I’m inquiring about YOU. I sent this email a few minutes before but don’t think it went through, so am writing again. I am inquiring about YOU and your site. You say you don’t make $ on others but ... Read More »

                        If I File for Bankruptcy, Will I Ever be Able to Rent Again? – Jan

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                        “Dear Steve, I’m working full time, am having trouble paying everything. I have to borrow from one credit card to pay all my bills, including other credit cards. I owe almost $30,000. in credit card debt. If I file for bankruptcy, will I ever be able to rent again? Landlords always seem to check credit reports. Jan” The Answer   ... Read More »

                          Where to Find Free Cash in an Absolute Emergency

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                          An article in the Wall Street Journal was bolder that I might have been about the realities of the best place to find cash in an emergency. When I read the article I broke out in a huge smile for ear to ear. Amen. People make the same chronic mistakes when they get into a financial bind if they have ... Read More »

                            Job Loss Leads Family to Death. All Killed by Parent

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                            Senseless. So senseless. I know that job loss and financial worries can seem hopeless, but they aren’t. They certainly are not so desperate that murder and suicide are the best way out. Sadly, this isn’t the first time this has happened and it won’t be the last. Embedded video from CNN Video Embedded video from CNN Video Embedded video from ... Read More »

                              I’d Like to Get Rid of My Student Loan Payments With Bankruptcy. – Nancy

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                              “Dear Steve, I will never be able to pay my sallie mae student loan because of hardship. I am a single mother of two living check to check. I want to see how I can have my student loan discharged? Can I file bankruptcy myself? Nancy” The Answer   Dear Nancy, It is very difficult to get student loans discharged ... Read More »

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