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consumer protection

The FTC Is Sending Walmart Wire-Transfer Scam Refunds (October 2026): Is Yours Real?

by Steve Rhode

Walmart FTC refund check in your mailbox? How to tell if it’s real, the 90-day clock, who to call, and what a real FTC refund never asks.

Heating Oil Is the Big Winter Price Jump, EIA Says. Before You Prepay Your Oil Dealer, Read the Contract

by Steve Rhode

EIA says heating oil is the big winter increase. Before you prepay a dealer, here is what four states require and what to ask in writing.

Western Union Scam Victims: The Justice Department’s Final Compensation Phase Is Open. File by December 31, 2026

by Steve Rhode

Western Union scam refund: the Justice Department’s final phase is open for 2004 to March 2020 transfers. Filing is free. Deadline: December 31, 2026.

The FTC Is Sending Cleo AI Refund Payments (October 2026): Is Yours Real?

by Steve Rhode

Got an FTC email or PayPal payment about Cleo AI? How to tell if it’s real, the key dates, and the one thing a real FTC refund never asks you for.

The FTC Is Sending GOAT Refund Payments (October 2026): Is Yours Real?

by Steve Rhode

Got an FTC check or PayPal payment about GOAT? How to tell if it’s real, and the one thing a real FTC refund never asks you for.

ClearOne Advantage Sued Over Debt Consolidation Text Messages — Here’s What the Complaint Says

by Steve Rhode

A new class action accuses ClearOne Advantage, LLC of sending unsolicited debt consolidation text messages to a number on the National Do Not Call Registry. Here’s what the TCPA complaint alleges — and what it means for you.

FleetCor’s $100 Million Fuel Card Settlement Is Real — But Nobody Has to File a Claim Yet

by Steve Rhode

FleetCor — now Corpay — will pay $100M after a court found it charged hidden fuel card fees. Here’s what the FTC’s order says about getting paid.

The $167.5 Million Visa and Mastercard ATM Fee Settlement Is Real — But Read Who It Actually Pays First

by Steve Rhode

A new $167.5M Visa/Mastercard ATM settlement just opened claims — but it’s not the ATM fee settlement you already heard about. Here’s who actually qualifies.

They Said the Government Banned ‘Yo-Yo’ Car Financing Scams. The Rule Never Took Effect — and the Court That Killed It Never Called It Wrong.

by Steve Rhode

The FTC’s rule banning yo-yo car financing was vacated in 2025 and formally withdrawn in 2026. Here’s what protects you now.

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.

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Get Out of Debt Guy Podcast - Steve Rhode

Get Out of Debt Guy Podcasts

  • The 10 Things You Must Do After Bankruptcy
  • Credit Card Debt, Hospital Bills & the “Just Get a Loan” Trap
  • Look Broke for a Year or Stay Broke for 10? The Credit Card Debt Trap
  • Budgets Suck: Debt Traps, Emergency Savings, and Keeping Up Appearances
  • Are You Helping Your Kids—or Hurting Your Retirement? – The Money Choices That Cost Millions

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