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Home > Author Archives: Steve Rhode (page 80)

Author Archives: Steve Rhode

I Was Hospitalized Without Insurance and Can’t Afford It. – Abril

operation

“Dear Steve, I am in so much debt and I have tried everything I could possibly think of but nothing is working. Please tell me what to do! Here’s my story. I’m a 20 y/o college student. A year ago (Feb. 2012) I got very very sick. I spent 3 weeks in the hospital quite literally fighting for my life. ... Read More »

    Rental History Credit Bureaus Warned by FTC

    ftc

    The Federal Trade Commission has warned the operators of six websites that share information about consumers’ rental histories with landlords that they may be subject to the requirements of the Fair Credit Reporting Act (FCRA). The letters inform the recipients that if they meet certain criteria, namely collecting information on tenants and their rental history and providing that information to ... Read More »

      We Are Both Out of Work and About to Lose the House. Should We File Bankruptcy? – Maria

      qa7

      “Dear Steve, My husband loses his job as of this year in a couple weeks. Due to family illness, I lost my job 2 years ago. He is in his late 60’s & I am 60. Due to all foreclosures in my area, unable to sell house for what we owe. We would have to pay out almost 9-15k to ... Read More »

        Wells Fargo Did Not Reaffirm Our Mortgage in Our Bankruptcy. – Kenneth

        questions

        “Dear Steve, Me and my wife filed bk 7 in 2011 and some how Wells Fargo didn’t get reaffirmed our second mortgage with First Tennessee did get reaffirmend.I was trying to get refinance but wells fargo wont because we didn’t reaffirm.I applied with quicken loans and after apprisal the property is only worth 81000 and I wanted to borrow 80,000 ... Read More »

          I Should be Able to Get My Student Loans Forgiven But Can’t. – Dan

          Federal Student Aid Ombudsman

          “Dear Steve, Science teacher in a low income school. Have been teaching for 15 years. I took out two federal loans for undergrad 1991-1995and another for masters in 2002 – 2004. I have applied for teacher loan forgiveness and have been turned down because I never paid off my undergrad loan in full. It is not in default. Otherwise I ... Read More »

            The Universal Secret to Dealing With Debt

            Big Scam Dog

            For years I’ve asked people in debt this simple question, “Do you have a greater responsibility to fix the past or fix your future?” It appears Socrates beat me to the punch and asked the same question of people millennia ago. It seems this question of logical responsibility is one we’ve been asking since nearly forever, yet people in debt ... Read More »

              Find Happiness – Learn to Appreciate What You Do Have

              appreciate what we do have

              Read More »

                United Financial Relief Wants to Sell Me California Debt Relief Program. – Karen

                surprise

                “Dear Steve, I am in the process of applying for California debt relief with United Financial Relief. I have about $16,000 in debt that my income can no longer manage. Are there any financial risks or obligations that I should be aware of, either now or in the future? Karen” The Answer Dear Karen, I didn’t even make it past ... Read More »

                  US Council for Consumer Debt Relief Claims They Can Help Me. – Tracie

                  Big Scam Dog

                  “Dear Steve, I have constant mail about my finances as I have never contacted anyone. I recieved a letter from U. S. Council for Consumer Debt Relief saying I had qualified to participate in this Mon Profit 501c-3 creditor sponsored program. It says they are not affiliated with debt settlement and NO COST to enroll 888-593-6097. Says they will decrease ... Read More »

                    Can My Creditors Garnish My Assets in Texas? – Mary

                    closeup of a gavel on cash, from above

                    “Dear Steve, I have not paid my credit card payments for over 5 months due to the recession. I cannot afford to restructure them at this time because I am under employed and expect to be so forever due to my age. I live in Texas. Can one or all of the credit card companies garnish all or any part ... Read More »

                      My Merchant Account is Getting Lots of Charge Backs Because of My Fulfillment People. – Hendi

                      warehouse and worker

                      “Dear Steve, Doing joint venture with some people and now they don’t fulfill the clients order, ending up giving a charge-backs to my merchant account under my company name. Thank you for having some time to read this and respond to my questions. So my questions is do I have rights to file this to a debt collectors and try ... Read More »

                        My Son Was an Authorized User on My Credit Cards and I Filed Bankruptcy. – Betty

                        credit good

                        “Dear Steve, I am a Mother with a recent Chapter 7 Bankruptcy. I put my sons name on 2 of my credit cards as an authorized user in case of an emergency and actually forgot about it …. he never used either card. Now he has those 2 cards listed as Bankruptcy on his “very clean” credit report. He could ... Read More »

                          I’m Drowning in Student Loans Over My Head. – Thomas

                          Drowning swimmer

                          “Dear Steve, I have a huge student loan debt that I can’t seem to make head way on. I have a $100,000 is federal loans that have been consolidated with Direct loans and are now with Sallie Mae and $15,000 in private loans. My private loans i can handle making $124 a month payments. My federal is what is killing ... Read More »

                            We Would Love to Get a Debt Consolidation Loan to Pay Off Credit Card Debt. – Laura

                            loan-approved

                            “Dear Steve, We have a lot of credit card debt due to losing almost a year in income to care for an ill family member. We own our home. We have zero late(s) on anything – all debts current and paid on time. We short saled a home in 2009 and do not owe a balance. We’re both employed and ... Read More »

                              I Want to Charge Dominic DeSandro of Freedom Financial With Theft. – Phil

                              White Collar Criminal

                              “Dear Steve, I too am a client of Freedom Financial (www.christiandebtlaw.com) . I made monthly payments via bank draft for about 3 years to a “savings” account that Freedom Financial set up for paying settlements. Freedom Financial initially paid 2 of my accounts just as they said they would, then they haven’t paid anything since. I am no longer sending ... Read More »

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