Home > Author Archives: Steve Rhode (page 693)

Author Archives: Steve Rhode

I’ve Made Some Really Dumb Money Mistakes in the Past. – Mindi

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Mindi “Dear Steve, I’ve made some really dumb choices in the past.I began working at age 17 and eventually saved up enough money to become a nurse assistant by age 18. when i got my first job making decent money i bought a car cash, broke 3 separate cell phone contracts and then moved in with a guy that was ... Read More »

    I Have Great Credit, Never Missed a Payment, And Want to Get Out of Debt ASAP. – Bonnie

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    Bonnie “Dear Steve, I have a large number of credit cards and a lot of credit card debt. I have never missed a payment and currently have a FICO score of 736. I want to pay down my debt and possibly consolidate my accounts into one payment. I think my debt is approx $60,000 and I have an mortgage and ... Read More »

      I’m Enrolled with The Consumer Law Group and Can’t Afford My Medication. – Dauna

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      Dauna “Dear Steve, I am 62, on disability and enrolled with Consumer Law Group last July. Because of my declining health, I need the funds which currenty go to the Consumer Law Group, for medication. My question is, if I discontinue these payments, will my retirement pension, which I receive in addition to social security, be subject to garnishment? I ... Read More »

        I’m Holding On to Our House By Draining the College Fund. – Dave

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        “Dear Steve, Much of my compensation is commission based and my clients are in the retail industry. My salary has reduced 25% so I tried to refinance my home, but it is only 2 years old and the value has declined 30% in the past year. My secondary mortgage lender was willing to offer a principle reduction if the primary ... Read More »

          My Mortgage Was Discharged in My Bankruptcy But I Still Pay It. – Rae

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          Rae “Dear Steve, My mortgage was discharged in my bankruptcy proceedings in December, 2005. I have continued to pay on my mortgage per the credit agreement. I have two questions: Is there a way I can get my mortgage to start reporting to the credit agencies because I am paying on it even though it was discharged? My budget is ... Read More »

            My IVA Has Failed And I’m At The End of My Rope and Considering Death. – Charlie

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            Charlie “Dear Steve, I had an IVA for 2 years -now failed due to I cannot afford the repayment in the first place anyway, my income was manipulated by my supervisor so that I can get through the IVA petition. Manage to keep it going for 2 years by borrowinf from pot a to pay pot b, so on and ... Read More »

              John Has Questions After Reading My Book “Eliminate Your Debt Like a Pro”

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              “Dear Steve, I read your on line free book about eliminating credit card debt like a pro-I wish I read it earlier–i contacted a debt management company in 5/09 and began paying 800+/mo and quit paying my creditors at their direction after being current up to that point. I am becoming disillusioned with the program as they will not begin ... Read More »

                Cutting Power Consumption Even Further – The Dryer Goes Silent.

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                In my quest to reduce our energy consumption to help save money, we’ve done a lot of work on the house and installed solar panels to generate power. You can see the list of posts on this topic here. This weekend we decided to try another technique to reduce our power consumption even further. We wanted to see if we ... Read More »

                  Foreclosure Rescue and Mortgage Modification Help Just Bad Actors in New Clothes

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                  The New York Times has a great article out about the transformation of subprime mortgage brokers into new entities that promise to sell help for people to get mortgage help. Late last year, he and his team — ensconced in the same office where they used to broker mortgages — began working for a loan modification company. For fees reaching ... Read More »

                    I’m With Allegro Law But on Disability and Being Sued. What Should I Do? – Myra & Grace

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                    Myra & Grace I don’t think I’ve ever combined two questions together before but since these are so similar in recommendation I thought I would. “Dear Steve, I am with Allegro Law since Nov and they have been taking $363.00 out of my checking account since then, now They tell me about the lawsuit n telling me a receiver taking ... Read More »

                      Would It Be Better to Go Bankrupt Now Or Plug Along. – Ann

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                      “Dear Steve, $47500 in credit card debt, $1000 monthy mortgage, $1000 monthly vehicle payments, then of course insurances, utilities, and general living expenses Squeezing by we are making it month to month, paycheck to paycheck, still occassionally using the credit cards when things come up – no savings outside of retirement. Unsucessfully searched for more gainful employment over the past ... Read More »

                        We Want to Start Paying Back Old Debt From Six Years Ago. – Jen

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                        Jen “Dear Steve, Well we are young (24)married, and make good money, also live above our means a bit. depending on where you live this may sound high to you, but we make 70k a year, and about 4-7k per month varying. well it wasnt always this way, back when we were 18 my hubby got a truck re-posessed and ... Read More »

                          I Used to Live in the U.S. and Have Some Old Debt But I Now Live in Australia. – Max

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                          Max “Dear Steve, I am 25000. usd in credit card debt . I don’t live in the states anymore . i live in australia . i am australian but have a green card . i want to pay it back but i am currently unemployed and i have no plans to go back to the states . what should i ... Read More »

                            I Came to Aussie Last Year and Can’t Afford My Mobile Phone. – Johnny

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                            Johnny “Dear Steve, I came to aussie in december last year and i got on a mobile phone contract i lost my job and i cannot pay it anymore. My phone got cut and they are threatening to report me to dun and bradstreet. I got a new job but i get very little and they are asking for a ... Read More »

                              I’ve Ignored My Debt for a Long Time and I’m Not Sure How to Proceed. – Brian

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                              Brian “Dear Steve, I had about $47K in credit card debt and then lost my job and was sick and in a hospital. I was planning on filing bk, but due to the knew bk laws, I was unable to file bankruptcy. I was out of a job for about a year, and used any income I made to live ... Read More »

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