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Credit Freeze

American Vision Partners’ $1.75 Million Data Breach Settlement: Who Can Claim Before the November 12 Deadline

by Steve Rhode

American Vision Partners’ $1.75M data breach settlement: only ~258,070 people can claim cash, not all 1.6 million affected. File by November 12, 2026.

I Just Got Out and There Are Judgments Against Me I Didn’t Know About. Here’s What to Do Right Now.

by Steve Rhode

You just got out and found a judgment you never knew about. Here is why it happened, and the exact steps to find, challenge, and possibly vacate it.

If a Process Server Ever Handed You Debt-Lawsuit Papers, Your Name May Be in the ABC Legal Services Data Breach — Claims Close September 28, 2026

by Steve Rhode

ABC Legal Services serves debt-lawsuit papers nationwide, and it just settled a data breach for $2.5M. Here’s what qualifies and the September 28 deadline.

FinWise Bank’s $2.8 Million Data Breach Settlement: Claims Close October 29, 2026 — And Most People Affected Have Never Heard of FinWise

by Steve Rhode

FinWise Bank data breach settlement: here’s what the $2.8M fund actually covers, what receipts count, and why so many eligible people don’t know they qualify.

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.

Lemonade Insurance Owes 190,000 People Money for a Data Breach — How to Claim Your Share Before September 8

by Steve Rhode

Lemonade Insurance agreed to a $10.5 million data breach settlement for over 190,000 people whose driver’s license numbers were exposed. File your claim by September 8, 2026.

The Krispy Kreme Settlement Deadline Is TODAY — File Before Midnight and Freeze Your Credit

by Steve Rhode

Today, June 22, is the last day to file your Krispy Kreme data breach claim. Take the $75 no-paperwork payment and freeze your credit before midnight.

The Spectrum Data Breach Isn’t the Identity-Theft Risk You Think — Here’s the Real Threat (June 2026)

by Steve Rhode

The Spectrum data breach exposed your name, address, and phone — but not your SSN. That means the real threat isn’t identity theft. It’s the phishing call that already knows who you are.

Flagstar Bank’s $31.5 Million Data Breach Settlement Is Open — How to File Your Claim and Lock Down Your Credit

by Steve Rhode

Flagstar Bank’s $31.5 million data breach settlement is open with an August 11, 2026 deadline. Here’s how to file your claim and why you should freeze your credit now.

Someone Opened Accounts in My Name and Now Collectors Are Calling. Here’s What to Do Right Now.

by Steve Rhode

Collectors are calling about accounts you never opened. Federal law can force them off your credit report in 4 days — here’s the tool almost nobody uses.

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Get Out of Debt Guy Podcast - Steve Rhode

Get Out of Debt Guy Podcasts

  • Credit Card Debt, Hospital Bills & the “Just Get a Loan” Trap
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  • Should Adult Kids Pay Rent—or Are You Sacrificing Your Retirement?

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