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CFPB

I Filed Bankruptcy and a Creditor Is Still Trying to Collect. Here’s What to Do Right Now.

by Steve Rhode

A creditor still collecting after your bankruptcy filing? Learn how to enforce the automatic stay under 11 U.S.C. 362 and what damages you may be owed.

I Paid a Fake Debt Collector and Now I Want My Money Back. Here’s What to Do Right Now.

by Steve Rhode

I sent money to a fake debt collector. Here is exactly how to get it back based on how you paid, plus how to report it and protect yourself next.

D.C. Just Passed a Law Making Hospitals Ask Whether You Qualify for Financial Assistance. Everywhere Else, Federal Law Says You Have to Ask — Here’s Exactly How (September 2026)

by Steve Rhode

D.C. now forces hospitals to screen you for financial aid. Federal law already requires it everywhere else — here’s the exact script to get your bill capped.

My Credit Dispute Was Rejected and They Won’t Say Why. Here’s What to Do Right Now.

by Steve Rhode

A rejected credit dispute means one of two very different things under federal law, and only one requires an explanation. Here is what to do next.

15 Million Dental Patients’ Records Exposed at DentaQuest — A Credit Freeze Won’t Stop the Part That Actually Costs You

by Steve Rhode

DentaQuest’s breach exposed SSNs and dental records for 15M+ people. A credit freeze won’t stop medical identity theft — here’s what actually works.

I Paid a Credit Repair Company and Nothing Happened. Here’s What to Do

by Steve Rhode

I paid a credit repair company and got nothing back. Here is exactly how to get your money back fast, and what federal law says they owed you all along.

I’m Being Evicted and Debt Collectors Are After Me at the Same Time. Here’s What to Do Right Now.

by Steve Rhode

Facing eviction while debt collectors call nonstop? Protect your housing first, verify debts before you pay, and know what bankruptcy’s stay can and can’t do.

Your Creditors Aren’t Judging You. They’re Running a Model — So Should You.

by Steve Rhode

Called your card company before missing a payment and got told no? Here’s the word CFPB’s own advice leaves out — and what to ask instead.

A Debt Collector Is Threatening Me with Deportation. Here’s What to Do Right Now.

by Steve Rhode

A debt collector cannot legally threaten you with deportation — that’s a federal law violation, not a real power they have. Document it, then use it.

I Already Paid This Debt But a Collector Says I Still Owe It. Here’s What to Do Right Now.

by Steve Rhode

A collector is demanding money on a debt you already paid. Federal law bars collecting a paid debt, and here’s how to prove it and make them stop.

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Get Out of Debt Guy Podcast - Steve Rhode

Get Out of Debt Guy Podcasts

  • Should Adult Kids Pay Rent—or Are You Sacrificing Your Retirement?
  • Should You Stop Paying Credit Cards? – Why Banks Won’t Help Until You’re Behind
  • Bankruptcy Isn't Failure—It's a Financial Tool | AI, College, and the Cost of Bad Money Decisions
  • Your Debt Isn't the Problem—Your Plan Is | AI, College Costs, and Paying the Right Bills
  • AI Is Changing Work Fast: Side Hustles, Cybercabs, and Protecting Your Financial Future

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Think of this as me — just in AI form. I've walked in your shoes. I filed bankruptcy myself in 1990, and in over 30 years of experience I haven't seen a situation that can't be worked through or a person who deserves judgment. Everything here is built on that experience, that research, and genuine care for you. I can't be there in person. But I can be here.

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