Skip to content
Get Out of Debt Guy – Steve Rhode
  • Free Tools
    • 1099-C Calculator
    • Ask Steve
    • Benefits Finder
    • Brain on Debt Quiz
    • Collector Rights
    • Contract Decoder
    • Debt Confessional
    • Debt Stress Test
    • Find Your Path
    • Garnishment Calculator
    • Means Test Calculator
    • Money Quiz
    • Scam-O-Meter
    • SOL Checker
  • Learn
    • Bankruptcy Guide
    • CFPB Complaints
    • Company Reviews
    • Counseling Truth
    • Debt & Marriage
    • Debt & Mental Health
    • Foreclosure Help
    • FTC Actions
    • History of Debt
    • Reader Questions
    • Research
    • Scam Alerts
    • Settlement Truth
    • Snowball Alternatives
    • Student Loans
  • Podcast
    • Apple Podcasts
    • Show Archive
    • Spotify
  • About
    • About Steve
    • Contact
    • Media & Press
    • Testimonials
  • Subscribe

Identity Theft

See my research, posts, and articles on identity theft, including prevention tips, recovery steps, and protecting your credit. Click the link to learn more!

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.

870,000 People Are Barred From Future SBA Loans Over Suspected COVID Fraud — Here’s What I’d Check First (September 2026)

by Steve Rhode

870,000 people are now barred from future SBA loans over suspected COVID fraud. Here’s what that suspension actually blocks — and what it doesn’t.

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.

They Say My Unemployment Overpayment Was Fraud. Here’s What to Do Right Now.

by Steve Rhode

A fraud finding on your unemployment overpayment means non-waivable penalties and criminal exposure. Here’s how to appeal it, starting today.

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.

What loanDepot Just Told the SEC About Its 2024 Data Breach

by Steve Rhode

loanDepot’s SEC filing just changed its 2024 data breach assessment from ‘not estimable’ to ‘probable loss.’ Here’s what that means if your data was in it.

They Said My Social Security Number Was Suspended for Criminal Activity

by Steve Rhode

A caller says your Social Security number is suspended for criminal activity. It cannot be, ever. Here is what the FTC and SSA say about this scam call.

Older posts
Page1 Page2 … Page10 Next →
Steve Rhode

Have a Debt Question?

Ask Steve — free, anonymous, instant answers based on 30+ years of experience. No sales pitch.

Ask Steve Now →

Not sure where to start?

Find Your Path Out of Debt

5 quick questions · 2 minutes · personalized guidance for your situation

Take the Quiz →
Get Out of Debt Guy

Stay in the know — new posts and debt news as they happen.

Follow on Facebook
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

Free Debt Tools

No email. No cost. No upsell.
  • Scam-O-Meter
  • Contract Decoder
  • Bankruptcy Means Test
  • Debt Collector Rights Lookup
  • Statute of Limitations Checker
  • Wage Garnishment Calculator
  • Get Out of Debt Calculator
See all 11 free tools →

Series

  • The AI Investing Experiment
  • Crisis Guides
  • They Said What?
  • What They Told Wall Street

Debt Hubs

  • Bible & Bankruptcy Hub
  • Chapter 7 Bankruptcy Guide
  • Consumer Bankruptcy Research
  • Credit Cards Guide
  • Credit Counseling Guide
  • Crisis Guides
  • Debt Collection Rights
  • Debt Research Library
  • Financial Literacy Hub

Debt Types

  • Credit Card Debt
  • Debt & Marriage
  • Foreclosure Help
  • Student Loan Guide

Protect Yourself

  • CFPB Complaints
  • Company Reviews
  • Contract Decoder
  • Credit Repair
  • Debt Collection Rights
  • Debt Relief Lawsuits
  • FTC Actions
  • Scam Alerts

Support

  • Debt & Depression Research
  • Debt & Mental Health
  • Find Your Path Quiz
  • Podcast
  • Reader Questions

Free Tools

  • 1099-C Tax Calculator
  • Ask Steve
  • Bankruptcy Means Test
  • Benefits & Free Money Finder
  • Brain on Debt Quiz
  • Contract Decoder
  • Cost of Inaction Calculator
  • Debt Collector Rights
  • Debt Confessional
  • Debt Stress Test
  • Debt Validation Letter
  • Debt vs. Retirement
  • Find Your Path Quiz
  • Garnishment Calculator
  • I'm Being Sued Guide
  • Judgment Proof Checker
  • Money Personality Quiz
  • Scam-O-Meter
  • Statute of Limitations

About Steve

  • About Steve Rhode
  • Editorial Independence
  • Media & Press
  • Talk to Damon Day
© 2026 Get Out of Debt Guy - Steve Rhode
Ask Steve Ready to talk
🔒 Anonymous: no name needed

Did this conversation help?

Rate this conversation (optional):

Thank you. I'm glad you reached out.

You took an important step today. Come back any time.

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.

Conversations are saved anonymously. Personal details are automatically removed before storage. This is an AI — not a financial advisor, attorney, or therapist.

Not sure where to start?

Been here before?

Not legal or financial advice. Emergencies: 988.

Got a debt question?

Steve's here. Free, anonymous, no judgment — 24/7.

Talk to Steve →
Chat With Steve Now Free & anonymous →