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Home > Author Archives: Steve Rhode (page 90)

Author Archives: Steve Rhode

My Ex-Husband Was Supposed to Pay Some Debts But They Are Coming After Me. – Kate

steamroller

“Dear Steve, I went through a divorce in which I cold not get my name off of the mortgage. My ex husband said he wanted to continue living in our house, so I moved out. Several years later, he let the house go ino foreclosure. I was so upset and disgusted over this that I stopped paying back other bills ... Read More »

    I Want to Take Cash Out of My House to Pay My Debt. – Bruce

    Couple Buying House

    “Dear Steve, I live in Northern California and have approximately 90K in credit card debt and need help badly as we’re having trouble making ends meet! If possible I don’t want to file BK I make approximately 125k a year and my wife has been unable to work the past 4 years due to medical issues. We currently own a ... Read More »

      Our Credit is in the Crapper. Should We Go With MMI? – Nannie

      shopping addiction

      “Dear Steve, I am contemplating whenter or not I should sign up with MMI–Our credit is in the crapper, due to over 4 years of underearning. I finally got a job, my husband’s job is also steady and still we cannot manage. I had to take a long look at things and realize that we need extra help in terms ... Read More »

        What Will Happen When if I Stop Making the Second Mortgage Payments? – James

        umbrella

        “Dear Steve, We currently have a first and second mortgage. The first Mortgage is with Citi Bank and we owe about 160,000. The second is with America Servicing Company which is a subsidiary of Wells Fargo. We owe 140,000. The house is probably worth about 300,000 give or take. We are having a problem making the second mortgage payments. I ... Read More »

          Is There a Good Loan to Use to Get Out of Debt? – Amanda

          whispering

          “Dear Steve, Completly in debt due to being young and stupid. was married; got divorced, not reciveing child support, etc I am trying to find a way to imporove my credit score and pay off old debts. i was told a GOOD (get out of debt loan) Loan may be an option for me; I was told that the loan ... Read More »

            Will Capital One Take My Truck and Tools? – Chuck

            Toolbelt-On-Handyman

            “Dear Steve, I am 74 I get SS. I got behind when the economy fell in 07-09, lost my job I have a private work shop that I do side work out of for extra income, not reported I have an old truck 38 years old and a 92 car. My SS goes into bank account. I got served a ... Read More »

              Nation Wide Consumer Debt Relief Took My Money and Did Not Refinance My Student Loans

              money-torn

              “Dear Steve, it has been over 5 months I have paid NWCDR $1500 to refinance my student loan. Nothing happened so far, and all emails I am sending them is coming back to me. Unfortunately this is SCAM….. Mr Blackmon called me in January since then no phone calls and his email address is not working. I have paid him ... Read More »

                How to Dispute and Ask a Debt Collector to Validate a Debt

                Return Receipt

                If you have been contacted by a debt collector that is not the original creditor or representing the original creditor, I think it would be smart to ask the debt collector to validate the debt and prove you actually owe it if there is any doubt on your part you owe the debt. Many debts were sold to debt buyers ... Read More »

                  Do Not Avoid Bankruptcy – 14 Reasons

                  Avoid Bankruptcy Monster

                  Avoid bankruptcy is advice you will often hear in the debt relief world. Companies, from non-profit credit counselors to for profit companies use that advice, sometimes well intentioned, and sometimes just to manipulate you. Companies that use the advice that consumers should avoid bankruptcy are simply amplifying the ingrained fear and prejudice that many have about bankruptcy. But fear and ... Read More »

                    I Don’t Want to Get Foreclosed On When My Chapter 13 Bankruptcy is Over. – Ali

                    hiding

                    “Dear Steve, I have home in California, Bay Area, I filed for Chapter 7 BK, 4 1/2 years back due to business losses & Laid off work, BK 7 was Discharged and immediately i filed for Chapter 13 BK, im still active in my current plan and according to the terms mentioned in my BK 13 Plan, i was suppose ... Read More »

                      Will Going With Clearpoint Credit Counseling Lower My Credit Score? – Mia

                      Drive Carefully

                      “Dear Steve, I have trying pay off my credit cards for some time and tired of not paying them off. I looked into Clearpoint debt management but I’m worried. I have good credit 740. I have a total of 4 cards with most close to maxed out. Clearpoint says they can lower interest on cards by closing them all and ... Read More »

                        I Got a Secured Card But My Credit Score Didn’t Shoot Up. – Cary

                        "Credit rating" handwritten with white chalk on a blackboard

                        “Dear Steve, My credit score was mid 600’s with no credit history at all, until about a year ago a cable provider claimed I didn’t return an HDMI cable, and it took me two years to finally settle up with a law firm I owed a few thousand dollars to. My credit score dropped 75 points. I paid these off ... Read More »

                          I Bought a Truck With Bad Credit. How Can I Pay It Off Faster? – Rondell

                          credit good

                          “Dear Steve, I PURCHASED A MUCH NEEDED USED TRUCK FOR A NEW JOB THATS PAYING ME $60,000 A YEAR… I PUT A DOWN PAYMENT OF $1,500…THE INTREST RATE IS 18%…MY CREDIT SCORE IS VERY POOR (540)….MY NOTES ARE $425.00 A MONTH FOR, 56 MONTHS, HOW CAN I PAY THIS TRUCK OFF IN HALF THE TIME,OR SOONER AND WHAT IS YOURE ... Read More »

                            How Do I Make Nelnet Remove My Father as a Cosigner. – Steve

                            Rejected stamp

                            “Dear Steve, I have a private loan through Nelnet with about $24k (from $35k) left. My father is in the process of buying a business and needs me to take him off as a cosigner but when I called Nelnet they would not do this because I was 15 days late on a payment back in 2008. Are there other ... Read More »

                              I Refuse to File Charges Against My Mother for Identity Theft

                              oops

                              “Dear Steve, When I was in college my mother took a credit card in my name. Apparently I signed up for a free Bank of America credit card when I also signed up for a bank account. They sent the card to my mom’s house (my official place of residence at the time even though I was in school and ... Read More »

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