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Home > Author Archives: Steve Rhode (page 70)

Author Archives: Steve Rhode

American Indians Won’t Stop Calling to Collect on My Payday Loan. – Cameron

Possible native American debt collectors.

“Dear Steve, I made the huge mistake of taking out an online payday loan 3 years ago. The company is owned by an Indian tribe in the U.S. and is located on tribal land. I defaulted. Still can’t pay it as my income is very limited due to disability. After they started collections, using their in-house staff, I sent a ... Read More »

    I Want to Kill Myself Because of My Student Loans. I Dream of Dying.

    change 3

    “Dear Steve, I have seen that there are others who have posted that they have contemplated suicide in order to get out of student loan debt and I can tell you that they aren’t alone. I was laid off twice since I graduated and I can’t afford to pay my loans back. I couldn’t even if I found a job. ... Read More »

      Consumers in Life and Money Trouble More Likely to be Scammed

      ftc

      Consumers who were more willing to take risks and those who had recently experienced a negative life event (such as a divorce, death of a family member or close friend, serious injury or illness in their family, or the loss of a job) were much more likely to have been victims of fraud and scams. Consumers who indicated they had ... Read More »

        We Can Just Make Our Minimum Payments and Have Good Credit But Need Help. – Becky

        couple working

        “Dear Steve, My husband and I are in our late 30’s with 2 sons. We have $22k in debt, $10k personal loan and $12k credit cards. We make the minimum payments each month as that is all we can do and our credit scores are above 750. I look at all of the snowball theories and paying highest interest first ... Read More »

          Everest Institute Did Not Help Me Get a Job in Medical Billing and Coding. – Ashley

          Student Loan Corkboard Concept

          “Dear Steve, I went to Bryman Institute in 2007 for medical billing and coding. While I was there they changed the name to Everest Institute which was a red flag to me but I was already in the program for a while so there wasn’t much for me to do. I successfully completed the program and got a job at ... Read More »

            My Ex-Husband and I Consolidated Our Student Loans. I’m Still Paying. – Marie

            Divorce

            “Dear Steve, My ex-husband and I consolidated our student loans back in 2004. In our divorce in 2012, I am required to pay on the joint loans for 10 years then in reverts to him. He is currently paying individual loans of ours. He makes considerably more than I do (about $45,000/yr and I’m around $25,000/yr) and I am unable ... Read More »

              Get Out of Debt Guy Gets a Collection Notice

              toll booth

              It is so ironic to be the Get Out of Debt Guy and get a collection notice yourself. But that’s what happened to me recently. I guess the good news is since I help people with debt every day I was prepared to deal with it. The collection claim was that I owed $51 to the State of Delaware for ... Read More »

                I’m 62 Years Old and Saving Hard for Retirement. What About Our Other Debt? – Michael

                retirement

                “Dear Steve, I am 62 yo, wife is 61 yo. Our combined stats: -We have $27k in credit card debt (0% interest, due to finding 12-18 month 0% promotional rates), -$200k home mortgage using a 5/5 arm at 2.75% which amounts to a $1000/month P&I payment–our property tax in NJ is $1000/month, -$400k in retirement savings–401k, ira, annuities mostly in ... Read More »

                  My Friend Asked the Collection Company to Validate a Debt But They Are Still Contacting Them. – Edward

                  404 error

                  “Dear Steve, A friend of mine told me that after an 8+ year association with a cell phone carrier, when changing to another carrier, the prior said she owes @ $500.00. When contacting the carrier, she was told there was a change on her account in 2012 that made a “new agreement.” But this “change” could not be verified. Shortly ... Read More »

                    We Can’t Sell Our Car Without a Smog Certification. – Ashley

                    car broken

                    “Dear Steve, Looking for some advice on an upside down car. My hubby and I have a 2004 honda crv. the car is actually “technically” paid off, we have the pink slip, however we have a regular loan through our credit union with a payment of $341/month and a total balance of $8,000. So its not a car loan, but ... Read More »

                      Is There a Better Tool to Get Out of Debt Than the Debt Snowball? – Ginger

                      change5

                      “Dear Steve, I am 58, my husband 61. We presently have about $20000.00 in credit card debt. We are never late and have excellent credit so using a credit counseling agency is not a option. We are no longer using our credit card and are paying cash. That has been hard but we know what we needed to do. We ... Read More »

                        Account Corp is Collecting a Debt From Me But Can’t Clarify the Balance Due. – John

                        calculator

                        “Dear Steve, Debt with R.C.Willey ,that due to emergency health situation ,it went to Acct Corp of Nevada as collection. Per Account Corp principal of debt was $8,881.48 , Contractual collection fees of $2,960.49 of which RCWilley has reduced to $2,018.52.contracual interest of $5,230.78 which there client R.C.Willy has agreed to reduce to 0. I have R.C.Willy’s transaction history on ... Read More »

                          Should I Get a Charge Off Removed From My Credit Report? – Defanso

                          credit good

                          “Dear Steve, My overall credit goes from fair to good depending on the credit agency, scores 686, 704, 708. For the past 2 years my payment history listed as 99.99% on time. I’ve paid off all of my credit card debt to $0, Only having my student loan & my mortgage outstanding. Only thing I see that is holding my ... Read More »

                            Nobody Can Tell Me Where My Money Went When the Johnson Law Group Went Out of Business. – Ashley

                            hiding

                            “Dear Steve, I was a client of the Johnson Law Group (Jonathan Rufus) 2009-end of 2010 early 2011. I had consolidated my credit card debt. They managed to pay off all but the ONE BIG ONE. They took out $400 from me monthly for 18months and never paid off the big one I asked them to negotiate. I now.. have ... Read More »

                              I’m a Disabled and Retired Police Officer With Debt. – James

                              past due envelope

                              “Dear Steve, I am now a 52 yr. old medically retired policeman. I have been retired for now two years, I always worked secondary security jobs as most police do, so I accumulated a lots of debt, vehicles, etc. I was claimed disabled for health reasons, and I had disability insurance on my vehicle. Now since I was forced to ... Read More »

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