I’m Being Sued by a Creditor While I’m in a Debt Settlement Program. What Do I Do?
Yes, a creditor can sue you while you’re in a debt settlement program — and the company won’t defend you. Here’s the one move that protects you: answer the lawsuit.
Debt Settlement
See my research, posts, and articles on debt settlement, including how it works, risks, and alternatives. Click the link to explore key insights and strategies!
Why Do People Making Good Money Still Feel Broke?
Steve Rhode and Damon Day explain why six-figure earners still feel broke: a middle-class lifestyle that cost $50,000 in the 1990s now costs $125,000 to $180,000. They break down the spending creep that causes it and how to redirect cash onto the ‘asset train’ before the train leaves.
California Is Hunting Deceptive Debt Settlement Companies — Here’s How to Report One
California’s DFPI is actively hunting deceptive debt settlement companies — and the junk mail you almost threw away could start an investigation.
The Real Cost of Staying in Debt
Steve Rhode and Damon Day reveal the true cost of carrying debt: how one $120 meal can cost your future self $3,000 — and why waiting is the priciest choice.
Debt Is Math Wrapped in Emotion: How to Stop Panicking
Steve Rhode and Damon Day explain why debt is math wrapped in emotion, why bankruptcy is just branding, and how to stop panicking and find a way out.
Debt Plans Fail in Inflation — Here’s What Works
Steve Rhode and Damon Day explain why budgets and payment plans break during inflation, why bankruptcy is less risky than the status quo, and what to do before your options disappear.
Is Accelerate Financial Legit in 2026? Here’s How to Find Out
Considering Accelerate Financial for debt settlement? Research their CFPB complaints, Trustpilot reviews, and enforcement history before you sign anything.
Credit Lines Could Get Cut: What to Do Now
Banks are quietly cutting credit limits. If available credit is your emergency fund, here’s why that safety net could vanish — and what to do first.
When a Work Stoppage Becomes a Financial Crisis: Every Option on the Table
When a work stoppage breaks the math, triage isn’t enough. Consumer debt expert Steve Rhode compares every debt relief option honestly — and explains why bankruptcy wins on all four factors.
Tax Refund Delay Is Costing You Real Money
Every month you wait for your tax refund while carrying credit card debt costs you real dollars. Steve Rhode and Damon Day break down the math of delay.
