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Recently Answered Reader Questions

I Got This Email Saying I Have Money Coming From Luxembourg and I Think This is a Scam?

I Got This Email Saying I Have Money Coming From Luxembourg and I Think This is a Scam?

Steve RhodeSep 19, 20221 min read

Question: Dear Steve, I don’t believe this is a relative of mine. I think this is a SCAM. Patrick [adinserter…

I Took Out a Credit Card to Make Money for Dental Work and My Plan Didn’t Work. They Are Asking for Income Verification and Suing Me.

I Took Out a Credit Card to Make Money for Dental Work and My Plan Didn’t Work. They Are Asking for Income Verification and Suing Me.

Question: Dear Steve, I am on SSD because I have Liver Cancer, Degenerative Spine Disease, Fibromyalgia, Narcolepsy, Asthma, PTSD, ASD,…

I Want to Enter The Financial Hardship Program for My Credit Card Debt

I Want to Enter The Financial Hardship Program for My Credit Card Debt

Question: Dear Steve, I maxed out my credit cards during covid/the last two years. I want to enter into the…

Holy Crap You Answered My Question and Now I Don’t Want You To

Holy Crap You Answered My Question and Now I Don’t Want You To

Question: Dear Steve, HOLY CRAP! As I usually do, I am reading your commentary, and some things are jumping at…

Have I Been the Victim of a Fake Payday Loan Debt Collection Scam?

Have I Been the Victim of a Fake Payday Loan Debt Collection Scam?

Question: Dear Steve, Speedy Cash This Year sent me some lawsuits and Last year, ACS Sent me some things I…

I’m 69, Disabled, and In Debt. Am I Fucked?

I’m 69, Disabled, and In Debt. Am I Fucked?

Question: Dear Steve, ME: 69-year-old single male living only on Social Security-no other money available. Former Radiology Tech for 28…

Where Did Elite Financial Solutions Go With My Money?

Where Did Elite Financial Solutions Go With My Money?

Question: Dear Steve, I’m a client of Elite Financial Solutions in Florida. We have up to $5000 in our escrow…

What Can You Tell Me About LoanRatePal That Keeps Calling Trying to Sell Me a Loan

What Can You Tell Me About LoanRatePal That Keeps Calling Trying to Sell Me a Loan

Question: Dear Steve, Please check this company loanratepal.com I have received numerous robocalls qualifying me for a loan. I can…

I Went to Jail, Worked for UNICOR and Want to Get My Student Loans Forgiven

I Went to Jail, Worked for UNICOR and Want to Get My Student Loans Forgiven

Question: Dear Steve, In 1992 I had a small student loan for a career college in Indianapolis. A year later,…

Is It Legal For Navient to Add Capitalized Interest to the Student Loan Balance?

Is It Legal For Navient to Add Capitalized Interest to the Student Loan Balance?

Question: Dear Steve, My son’s student debt is in repayment now for the 22nd year, late with their payments by…

Is This RISLA Student Loan Refinance Pre-Approval a Good Deal?

Is This RISLA Student Loan Refinance Pre-Approval a Good Deal?

Question: Dear Steve, I had asked you previously about refinancing Sallie Mae Student Loans (personal, not federal anymore). We have…

Is Litigation Practice Group LPG Legit?

Is Litigation Practice Group LPG Legit?

Question: Dear Steve, I hired (LPG) Litigation Practice Group law firm to represent me, but I am curious if this…

Trapped in a Spousal Consolidation Loan and Trying to Get Forgiveness

Trapped in a Spousal Consolidation Loan and Trying to Get Forgiveness

Question: Dear Steve, We have a “spousal” consolidation loan which was sold many times since the 2005 origination. Our original…

After 12 Years of Private Student Loan Payments I Want to Give Up

After 12 Years of Private Student Loan Payments I Want to Give Up

Question: Dear Steve, I’ve been paying on student loan debt for over 12 years now & haven’t seen the total…

I Forgot to Include a Big Debt in My Bankruptcy. What Do I Do Now?

I Forgot to Include a Big Debt in My Bankruptcy. What Do I Do Now?

Question: Dear Steve, I filed bankruptcy chapter 7 in October 2021 and was discharged Mar 2022. I forgot one sewer…