Ultimate Debt Freedom Guide: All the Get Out of Debt Posts to Crush Credit Card & Bill Debt Fast [Full Archive]”

WRAL’s North Carolina story is a useful spark—but the real decision comes down to completion, cost, and what your field actually pays. A recent WRAL report said college “often pays” in North Carolina—citing Strada’s finding that more than two-thirds of…

A Complete Guide to Critical Thinking About One-Size-Fits-All Debt Advice PART 1: WHAT WE’RE ACTUALLY CRITIQUING The Core Claims of the Ramsey Method Dave Ramsey’s “Baby Steps” system claims to be the definitive path out of debt: The Baby Steps:…

Let’s talk about something almost nobody wants to admit out loud:Bankruptcy might actually make more sense the older you get. If that sounds backwards—good. Because we’re about to unpack why the advice most people hear (“you’re too old to ruin…

If you’ve ever looked at a flashy startup and thought, “Wow, they’ve made it big overnight!”—this story is a gut check. Charlie Javice, once the celebrated CEO of Frank—a company that claimed to make applying for student aid easier—was just…

United States Attorney for the Southern District of New York, Jay Clayton, announced that ANDRIS PUKKE, a/k/a “Marc Romeo,” a/k/a “Andy Storm,” was sentenced yesterday to eight years in prison by U.S. District Judge J. Paul Oetken for leading a…

Imagine believing you’ve won enough money to be set for life — only to have those payments suddenly stop. That’s exactly what’s happening to many winners of Publishers Clearing House (PCH) who had been promised lifetime payouts. What’s Going On…

Federal prosecutors have unsealed indictments that read like the script of a nightmare — one where faith, fear, and guilt were turned into tools of control. At the center of the case are David Taylor, self-styled “Apostle” of the Kingdom…

You’re invited to speak. Just don’t expect anyone to listen. Let’s not sugarcoat this. The Trump administration has officially launched the student loan rulemaking process under the One Big Beautiful Bill (OBBB). And while the Department of Education is opening…

You did everything right. You worked for a nonprofit. You made the payments. You followed every confusing instruction the government threw your way. But thanks to a new rule buried in the fine print of Executive Order 14235, you could…

You’ve played by the rules. Made your payments. Believed—after 10 or 20 long years—that final chunk of debt would vanish. Clean slate, right? Not so fast. Thanks to an expiring pandemic-era tax break and a new proposal from the Trump…

Let’s not sugarcoat it: If you were counting on student loan forgiveness through Income-Based Repayment (IBR), you’ve just been thrown into limbo. The Education Department hit pause on all IBR discharges—no timeline, no guarantees, just a vague promise they’ll get…

Title: 🎓 Parent PLUS Changes Are Coming: What You Must Do Before June 30, 2026 A clear roadmap for parents to avoid losing access to loan forgiveness and income-driven repayment 🚨 Let’s Start with the Big Red Flag If you’re…

If you’re a student, parent, or borrower wondering what’s really happening with student loans in 2025, buckle up — because Congress is proposing sweeping changes that could reshape how college is paid for in America. The College Cost Reduction Act…

You walk into Macy’s for a new outfit. The cashier says, “Wanna save 20% today by signing up for our card?” Sounds like a no-brainer. But what if that one decision quietly added seven years of debt to your life?…

Financial intimacy might sound scary to some but we need to have a little friendly chat about it. You can share a house. Share a bed. Even raise a family together. But when it comes time to share your credit…

“If you’re broke, why does everything cost more?”Because the system wasn’t built to help you escape—it was built to profit while you’re stuck. Most people think being broke means you just have less money. But the truth is, when you’re…

We restart our phones when they freeze. We unplug the Wi-Fi when it cuts out. We reboot our computers without a second thought. But when our finances lock up? We stall. We panic. We wait—sometimes for years. And all the…

Spoiler: They’re now on the hook for nearly $5 million—because what they sold wasn’t relief, it was deception. Imagine you’re deep in tax debt. You’re anxious. Maybe even panicked. Then along comes a company offering a way out. They say…

If you’ve been waking up in a cold sweat wondering how in the world you’re going to climb out of your debt situation… you need to hear the solid wisdom Damon just spilled in this latest podcast episode. It’s called…

Imagine this. You’re behind on rent. Your phone won’t stop ringing. You need gas to get to work. And in the middle of all that stress, an envelope arrives promising hope: “You’re pre-approved for a credit card!” That card? It’s…

TL;DR:Fixing your credit isn’t hard. But the booming billion-dollar “credit repair” industry wants you to think it is—so they can sell you lies, fake identities, and fraud that might land you in prison. 🎭 The Scam That Looks Like a…

📄 Case Information: 🔍 Allegations at a Glance: Gloria Birchmore, a South Carolina resident, filed suit after her 2019 Jeep Renegade was allegedly wrongfully repossessed from her workplace in Columbia, SC on August 26, 2024. She claims she was current…

When it comes to money, we’re taught to look for answers from the “experts.” Financial advisors. Money gurus. People with podcasts and pie charts. But what if I told you some of the most important financial lessons don’t come from…

Let’s play a quick game. What do you think the average American believes will happen to the economy next year? Higher taxes? Less social support? A tightening job market? Maybe all of the above? Well, the New York Fed just…

Imagine getting an email out of the blue offering you a high-paying remote job with flexible hours, amazing benefits, and no experience required. Sounds like a dream, right? But is it a job scam? Now imagine realizing, after you’ve handed…

If you’re here reading this, it probably means one thing: Something didn’t go the way you planned. Maybe you hit rock bottom financially. Maybe life blindsided you with something bigger than your savings account could catch. Or maybe you’re just…

Reader Question from Debt-free Denise “I paid my PenFed Credit Union cards every month on time. Never missed a payment in 2 years. I paid both off ($15k) in February. Reasoning they reduced my limits was that Equifax stated 1…

If you’d love to be making extra money but you’re sick of the generic advice that goes nowhere, you’re going to love this one. I just dropped a brand-new podcast episode with Damon Day, and this one’s packed with real…

Case Information Allegations at a Glance Michael Jordan has filed a lawsuit against LVNV Funding LLC, alleging that the company violated federal and state laws through the use of misleading and unlawful debt collection tactics. According to the complaint, LVNV…

It’s 4:03 AM. You’re staring at the ceiling, your stomach in knots, and your brain won’t stop racing. You’ve done the math a hundred times, but the numbers never work. The bills are due, the paycheck isn’t enough, and the…

If your 401(k) just took a dive and you’re losing sleep over a debt collector breathing down your neck, you’re not alone—and you’re definitely not doomed. In the latest episode of The Get Out of Debt Guy Podcast, Damon Day…

Let me guess—you sent a debt collector a dispute letter, marked your calendar, and waited. Thirty days pass. No response. And now you’re wondering: “If they didn’t verify the debt in 30 days… does that mean it’s invalid? Do I…

What if the company you turned to for debt relief ended up draining your bank account instead? That’s what happened to dozens of Pennsylvanians who thought they were finally getting a handle on their finances—only to realize they’d been taken…

You’re trying to get your finances back on track, and then a company calls, claiming they’re from the government. They say they can erase your student loans or settle your debt for pennies.It sounds like a dream… until it turns…

If you’ve ever beaten yourself up for not doing a great job saving money, today’s the day to let go of that guilt. You’re not alone. Most people don’t struggle because they’re lazy or bad with money—they struggle because the…

Case Information: Allegations at a Glance: David Alvarez brings a class action lawsuit against Hoverton, LLC, the company behind Swagtron, alleging that its SG-5 Swagger 5 Boost Commuter Electric Scooters are dangerously defective. The scooters, powered by lithium-ion batteries, are…

Zelle didn’t disappear—but the app sure did.If you opened the Zelle app recently and found it bricked, you’re not alone. After quietly sunsetting its standalone app on June 30, 2025, Zelle has officially pulled the plug—and it wasn’t just because…

Hey there, Steve here—and if you’re holding a fancy Chase card with travel perks or big rewards, don’t swipe again until we decode the legalese. This isn’t just about points. This is about protecting your wallet from traps that could…

This isn’t just a post about credit cards. This is a review of the actual Chase Bank Visa Cardholder Agreement, specifically the one labeled COL00095. If you’re thinking about applying for this card or already have it tucked in your…

Millions swear by Dave Ramsey’s advice—but what if following it blindly is costing you more than you realize? In this episode, Steve opens up a respectful but honest conversation about: We’re not here to bash Dave—we’re here to question what’s…

Case Information • Filing Date: April 1, 2025 • Court: U.S. District Court, Northern District of California • Plaintiffs: Lily Fitzgerald, Ian Crowley, Antonio Minichiello, Alicia Freeman, Annabelle Regan, Nicholas McDonald, Michael Amenti, Caleb Brackney, Abigail Roskind, Jordan Leturgez, and…

You might think your credit card is just a plastic rectangle with your name on it, but here’s a wild truth most people don’t know: You don’t actually own your credit card. The bank does. And that little piece of…

🎯 What “Debt Free” Really Means Let’s get real about something that should be simple—but never really is: Getting debt free. Sounds straightforward, right? Pay off what you owe, and boom—you’re free. But if you’re feeling overwhelmed, frozen, or completely…

What if I told you that the same government that cracks down on street scams is quietly gutting the rules meant to protect your wallet from corporate abuse? Sounds like a conspiracy theory, right? But it’s not. It’s happening right…

Ever taken your car in for an oil change and left with a $1,200 repair bill you never saw coming? You’re not alone. In fact, if you live in Iowa, you might want to sit down for this: According to…

In today’s can’t-miss episode of the Get Out of Debt Guy podcast, Steve Rhode (the Old Get Out of Debt Guy) and Damon Day (the New Get Out of Debt Guy) unpack some jaw-dropping changes quietly pushed through by Congress…

You can train for split-second decisions, but no one trains you for financial stress at home. Imagine if you could just whip out the taser to stop your bills? Between long shifts, dangerous situations, and the emotional toll of the…

This Florida man told struggling small businesses he could make their financing problems disappear. Instead, he made their money disappear. Imagine being a small business owner, barely keeping the lights on, and then someone swoops in promising fast cash, no…

Nobody dreams of waking up buried under 29% APR and a mountain of shame. But here we are—dreading every credit card statement like it’s a jury summons. Here’s the $16,000 truth (yep, that’s the average U.S. household credit card debt):…

The Quiet Crisis No One’s Talking About Every Sunday, Carol Venmos her daughter $300. Sometimes it’s labeled “groceries.” Other times it’s “just in case.” Her daughter is 27, lives on her own, has a full-time job… and still can’t make…