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Get Out of Debt Guy

Get Out of Debt Guy

By Steve Rhode

Credit, debt, and money answers from the Get Out of Debt Guy, Steve Rhode. If you want to know the latest news from inside the debt relief industry or have a question about getting out of debt, this is the show for you.
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Currently playing episode

Is Your Debt Relief Company a Scam and How to Make an Extra $800 a Month to Make Ends Meet

Get Out of Debt Guy

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Is Your Debt Relief Company a Scam and How to Make an Extra $800 a Month to Make Ends Meet
Is Your Debt Relief Company a Scam and How to Make an Extra $800 a Month to Make Ends Meet
Worrying about being scammed by a debt relief provider is a real fear. But what is a scam? That question is surprisingly more challenging than you might imagine. In this podcast, Damon Day and I discuss why calling any debt rescue company a scam is so tricky. For example, if a company provides you with bad advice but doesn't take your money, does that make them a scam? And then we start talking about how easy it can be for people of all incomes to make an extra $800 a month with some side gig or side hustle. We share an update about our efforts at PennyStupid.com  Steve Rhode - Your Get Out of Debt Guy from GetOutofDebt.org
19:22
November 16, 2022
Side Hustle Review - Is It Too Late To Make Money With A Helium Miner?
Side Hustle Review - Is It Too Late To Make Money With A Helium Miner?
Here is the latest review from the Penny Stupid Project on mining Helium as a side hustle. Is it worth it? Here is what you need to know before you start. If you're thinking about investing in helium mining, then you might be wondering if it's too late. In this podcast, After learning about the helium mining industry, you'll be able to make an informed decision about whether or not it's worth investing in this exciting new industry. We'll also give you a glimpse at the helium HNT price prediction so you know exactly how much helium is worth right now. Stay up-to-date on the latest helium mining news and make the right decision for you! Important links from this review: https://pennystupid.com/can-you-still-make-money-with-a-helium-miner/ https://explorer.helium.com/ Important links from this review: https://pennystupid.com/can-you-still-make-money-with-a-helium-miner/ https://explorer.helium.com/
12:10
October 21, 2022
Update 2 On The Make Money With a Side Hustle Project. Lessons Learned. Cash Made.
Update 2 On The Make Money With a Side Hustle Project. Lessons Learned. Cash Made.
We are checking in with you again to share this week's update on The Penny Stupid Project. This week we give you the latest on our testing of retail arbitrage, Amazon FBA, driving for Lyft, and a brief mention of mining Helium cryptocurrency. For more on the project, visit PennyStupid.com. Subscribe to email updates here.
34:06
October 11, 2022
First Night Driving for Lyft. A Side Hustle Initial Impressions. Cops Involved.
First Night Driving for Lyft. A Side Hustle Initial Impressions. Cops Involved.
Damon shares his first night stories and impressions about the realities of driving for Lyft as a totally new driver learning the way. Each night is a new lesson learned. Towards the end of the video, Damon gives us his side hustle thumbs-up review regarding making decent quick money.   Becoming a rideshare driver can be intimidating. Who will get in your car? Will you be safe? What might I expect?   As part of our Penny Stupid Project, Damon is taking one for the team and actually getting in the seat to give you an inside look at what he experienced. Follow along https://pennystupid.com/subscribe-to-penny-stupid/  Are there good things and bad things? Of course, there are, but that's the same with any side hustle opportunity. Your decision should be how much money you can expect to make in your extra hours and what the side hustle is like.   If you live out in a rural area, you will probably not have the same results as Damon in Phoenix. However, I've met rideshare drivers who drive towards a busier area, spend the night doing rides, and then go home with heavier pockets.   The flip side is if you are in a less busy area, there will be fewer drivers to compete against.   Enjoy Damon's experience. He is a great storyteller.   Important Penny Stupid Project Links  Website - https://PennyStupid.com Facebook - https://facebook.com/PennyStupid All Our Lyft Details - https://pennystupid.com/dive-for-lyft-and-all-the-other-scoop/ Subscribe to Free Email Updates: https://pennystupid.com/subscribe-to-penny-stupid/
34:16
October 04, 2022
Get Out of Debt by Increasing Income With Side Hustles - The Introduction to the Penny Stupid Project
Get Out of Debt by Increasing Income With Side Hustles - The Introduction to the Penny Stupid Project
Getting out of debt can be tackled with several different approaches. One is reducing what you owe, but another is increasing income to help pay down the debt. Experience has taught me that a combination of both usually is the winning hand. But making extra money is problematic when trying to do it through desperation rather than inspiration. So we aim to change that for you by showing you the way. My friend debt coach Damon Day and I are working together to find side hustles you can explore to help make an extra $500 to $2,000 a month with your own side business or side hustle. We are not selling anything, so don't worry. The advice you will hear is unbiased. We're starting from scratch on the different side hustles, so we will find the potholes so you can avoid them. As Damon once said, Our side hustle is to try all the side hustles, so you don't have to.  So true. Please join me on this journey and give me your feedback at PennyStupid.com or leave me an audio message at https://getoutofdebt.org/message and I want to hear what you have to share and say. Steve Rhode - You Get Out of Debt Guy
32:41
September 28, 2022
Even Brain Surgeons Can't Solve the Housing Crisis - Shortcast
Even Brain Surgeons Can't Solve the Housing Crisis - Shortcast
Give me five minutes, and I'll help you to understand the complexities of the housing crisis we face in 2022 and why both home buyers and renters are finding it difficult to move ahead. It's complicated. If you have a question you'd like to ask, go to https://getoutofdebt.org/question, or if you want to leave a question for an upcoming podcast, go to https://getoutofdebt.org/message. Steve Rhode, your Get Out of Debt Guy from GetOutOfDebt.org.
06:03
September 27, 2022
Home Side Jobs and Side Hustles for Money to Help You Get Out of Debt
Home Side Jobs and Side Hustles for Money to Help You Get Out of Debt
Getting out of debt is about either reducing expenses or increasing income, so Damon and I decided to start a new site all about side jobs from home to help make money. The PennyStupid website gives you the scoop and inside experience on side hustling. You can learn by watching us on YouTube or listening to our podcast to know which side jobs from home can be successful.  This new gig project aims to provide you with tested and tried actionable information to help you start making an extra $500 to $2,000 a month. Use some of your gig and side job money to reduce your debt but be sure to use some for fun.  It's one thing to research side hustle ideas, but Damon and I are putting them to the test and sharing the real-life results and lessons learned with you. So come along on the Penny Stupid journey and listen to our successes and failures. I'm sure we will sometimes fall flat on our faces, but you can't have great success without making mistakes and learning painful lessons. For more information, visit the PennyStupid site or drop in on the Facebook page to get info and subscribe. Steve - Get Out of Debt Guy
21:03
September 24, 2022
What You Really Need to Know About Inflation - Shortcast
What You Really Need to Know About Inflation - Shortcast
The word inflation is used all the time, but what does it really mean, how do we measure it, and what happens when we try to reduce it? Let's talk about it in today's shortcast. If you have a question you'd like to ask, go to https://getoutofdebt.org/question, or if you want to leave a question for an upcoming podcast, go to https://getoutofdebt.org/message Steve Rhode, your Get Out of Debt Guy from GetOutOfDebt.org
05:46
September 15, 2022
Debt Free Dudes - Inflation, Recession, Saving Money, Side Hustle Update
Debt Free Dudes - Inflation, Recession, Saving Money, Side Hustle Update
In this Debt Free Dudes podcast, Damon Day and Steve Rhode talk about preparing for a recession, inflation, worsening economic chances, saving money, and an update on the side hustle project. Additional information for the facts behind this podcast is below. There is a 50-50 chance of a mild recession late in 2022 or 2023. The U.S. is not in a recession yet. However, we find that most indicators—particularly those measuring labor markets—provide strong evidence that the U.S. economy did not fall into a recession in the first quarter. The U.S. economy continues to face economic risks. Labor markets remain tight, which is fueling wage growth and in turn inflation. This raises concerns that interest rates will have to rise to the point of increasing unemployment to bring inflation back down. Rising interest rates can also strengthen the dollar, making American agricultural exports less competitive in foreign markets. The Conference Board said - "Notwithstanding two consecutive quarters of negative GDP growth, we do not believe the US economy is currently in a recession given strength across several sectors and the extremely tight labor market." Bank of America has just released information estimating the unemployment rate will rise to 5% by the end of 2023 because of increased interest rates to curb inflation. An average score of 716 by FICO measurements means most lenders will consider your creditworthiness "good" and are more likely to extend lower rates. Average nationwide credit scores bottomed out at 686 during the housing crisis more than a decade ago, when foreclosures sharply increased. They steadily ticked higher until the pandemic, when government stimulus programs and a spike in household savings helped scores jump to a historical high of 713. British households borrowed on their credit cards last month at the fastest annual rate in over 17 years, a potential reflection of consumers struggling to make ends meet as the cost of living crisis intensifies. The inflation rate in the UK is predicted to be 22% in January, primarily due to energy prices. According to data from the Bank of England, the annual rate of credit card borrowing in July was 13% higher than a year earlier, the biggest annual increase since 2005.
36:43
September 13, 2022
Take a Lap on the Gerbil Wheel of Debt - The Path to Happiness and Wealth - Chapter 3
Take a Lap on the Gerbil Wheel of Debt - The Path to Happiness and Wealth - Chapter 3
This podcast is chapter three of my book, The Path to Happiness and Wealth. In this chapter, "Take a Lap on the Gerbil Wheel of Debt," we take a look at the reality that most of us keep circling the same debt cycle, never getting ahead. For more about this book, visit this page. If you have a question you'd like to ask, go to https://getoutofdebt.org/question, or if you want to leave a question for an upcoming podcast, go to https://getoutofdebt.org/message Steve Rhode, your Get Out of Debt Guy from GetOutOfDebt.org If you enjoyed this podcast, be sure to subscribe so you can be sure to listen to the next chapter.
18:55
September 06, 2022
Debt Settlement is Like an Onion. What You Need to Know About the Five Types of Debt Settlement.
Debt Settlement is Like an Onion. What You Need to Know About the Five Types of Debt Settlement.
Debt settlement is not a monolithic debt relief solution. I like to say debt settlement is like an onion. It has layers.  There are several forms of tackling your debt using settlement. All are distinctly different, and understanding the differences is important to make the best choices for you and your situation. For example, you could listen to someone on Facebook tell you what you should do to settle your debt. You might buy a book and try to learn how to do it yourself, or you might contact a mass market debt settlement company and get pitched some one-size-fits-none product. There are more variations. In this Debt Free Dudes podcast, Damon Day and I discuss how each option has traps or advantages. If you have a question you'd like to ask, go to https://getoutofdebt.org/question, or if you want to leave a question for an upcoming podcast, go to https://getoutofdebt.org/message Steve Rhode, your Get Out of Debt Guy from GetOutOfDebt.org If you enjoyed this podcast, be sure to subscribe so you can be sure to listen to the next one.
25:16
August 30, 2022
What Your Money is Trying to Tell You - The Path to Happiness and Wealth - Chapter 2
What Your Money is Trying to Tell You - The Path to Happiness and Wealth - Chapter 2
Chapter two of my book, The Path to Happiness and Wealth. In this chapter, we take a more introspective look at the factors that drive money troubles and what prevents us from making ends meet. The chapter has plenty of client examples that help to fill your quota of debt voyeurism and the ability to learn from situations others have faced. I wrote this book in 2002, and it's funny to look back and witness the death of the mall. Maybe they will make a comeback. We shall see. So forgive my focus on brick-and-mortar shopping in this age of point-and-click. Still, the features that shopping creates still apply to online shopping. For more about this book, visit this page. If you have a question you'd like to ask, go to https://getoutofdebt.org/question, or if you want to leave a question for an upcoming podcast, go to https://getoutofdebt.org/message Steve Rhode, your Get Out of Debt Guy from GetOutOfDebt.org If you enjoyed this podcast, be sure to subscribe so you can be sure to listen to the next one.
37:24
August 23, 2022
Do This First When Getting Out of Debt or You Will Make a Million Dollar Mistake
Do This First When Getting Out of Debt or You Will Make a Million Dollar Mistake
Good people dealing with money troubles and debt worries make this same mistake over and over. Unfortunately, it can cost millions of lost dollars in retirement savings. In this podcast, Steve Rhode from https://getoutofdebt.org and Damon Day from https://damonday.com talk about how to avoid this simple, crushing mistake that can ruin a future financial life. We also discuss the best approach and mindset to putting financial problems behind you and expect the best outcome with less stress.
28:39
August 16, 2022
I Got Hit in the Head With a Baseball and Saw It Coming - The Path to Happiness and Wealth - Chapter 1
I Got Hit in the Head With a Baseball and Saw It Coming - The Path to Happiness and Wealth - Chapter 1
I wrote this book in 2002, but the lessons and insights included are just as relevant today as they were then. I was awarded the Washington Post personal finance book of the month award for this book. It is a holistic look at the secrets to overcoming debt and finding a balance with money in your life. It’s a good book for people to read that might be having issues with shopping issues, compulsive spending, overspending, hidden debt, etc.  For more about this book, visit this page. If you have a question you'd like to ask, go to https://getoutofdebt.org/question, or if you want to leave a question for an upcoming podcast, go to https://getoutofdebt.org/message Steve Rhode, your Get Out of Debt Guy from GetOutOfDebt.org
24:09
August 09, 2022
Personal Loan Bait and Switch Bastards
Personal Loan Bait and Switch Bastards
For many years I've written about the tactic some debt relief companies use to trick consumers into signing up for some form of debt relief. Consumers receive offers in the mail for a personal or debt consolidation loan and are told they don't qualify, but "we have a better program." Damon Day and I discuss the issues raised in I Was a Bait and Switch Debt Relief Sales Person in this podcast. Here is a list of some past links on this subject. I Was a Bait and Switch Debt Relief Sales Person WSJ Article Slays Debt Settlement Companies Using Personal Loan Offers to Bait and Switch New Rescue One Financial Loan Offer Letter Still Raises Concerns Rescue One Financial Still Sending Disturbing Mailer Look at Mailers From My I Buy Junk Mail Program If you have a question you'd like to ask, go to getoutofdebt.org/question, or if you want to leave a question for an upcoming podcast, go to getoutofdebt.org/message  Steve Rhode, your Get Out of Debt Guy from GetOutOfDebt.org
36:25
August 02, 2022
Having Problems With a Company? Don't Just Complain. Do This Instead.
Having Problems With a Company? Don't Just Complain. Do This Instead.
A frequent question I get is from people upset with the performance of some company they hired to help them.  When they reach out to me for answers, they are pissed off and angry. That is understandable.  There is a healthy and helpful way to resolve such company complaints without raising your blood pressure or being victimized.  Today I want to share the secrets I've learned over the years on how to best deal with any company you have a problem or disagreement with regarding a product or service. If you have a question you'd like to ask, go to getoutofdebt.org/question, or if you want to leave a question for an upcoming podcast, go to getoutofdebt.org/message Steve Rhode, your Get Out of Debt Guy from GetOutOfDebt.org
20:37
July 26, 2022
How to Beat Debt Fear and Anxiety and Get a Government Backed High Interest Reward at the Same Time
How to Beat Debt Fear and Anxiety and Get a Government Backed High Interest Reward at the Same Time
I want to share some truths about financial fear and anxiety in this episode.  I'll also share info on how to get a substantial government-guaranteed return on your savings, or is that statement a scam? Let's find out. I then want to share information about review terrorists and finish with a personal story and a debt life lesson. But first, I wanted to share this saying which applies to dealing with money problems, Don't Believe Everything You Think.  If you have a question you'd like to ask, go to getoutofdebt.org/question, or if you want to leave a question for an upcoming podcast, go to getoutofdebt.org/message Steve Rhode, your Get Out of Debt Guy from GetOutOfDebt.org
17:25
July 19, 2022
How to Best Deal With a Debt Collector or Debt Collection Agency - What Everyone Needs to Know
How to Best Deal With a Debt Collector or Debt Collection Agency - What Everyone Needs to Know
Today I wanted to share some life-altering low-stress advice on how to best deal with debt collectors. I think what I'm going to share will surprise you and be a big help if you or someone you know is getting calls from a debt collection agency. When it comes to debt collectors, not everything you believe is true. So let's put all the assumptions aside for this podcast. If you have a question you'd like to ask, go to getoutofdebt.org/question, or if you want to leave a question for an upcoming podcast, go to getoutofdebt.org/message Steve Rhode, your Get Out of Debt Guy from GetOutOfDebt.org
50:58
July 12, 2022
Time is Running Out for This Student Loan Forgiveness Program, How to Buy Stuff for Less, Car Payment Crash, and Bad People
Time is Running Out for This Student Loan Forgiveness Program, How to Buy Stuff for Less, Car Payment Crash, and Bad People
This week on the Get Out of Debt Guy podcast, I want to talk with you about time running out, buying stuff for less than it costs, car payments over a cliff, and Baaaad people. If you have a question you'd like to ask, go to getoutofdebt.org/question, or if you want to leave a question for an upcoming podcast, go to getoutofdebt.org/message Steve Rhode, your Get Out of Debt Guy from GetOutOfDebt.org
19:44
July 05, 2022
Let's Talk UK Debt - Special Bonus Podcast
Let's Talk UK Debt - Special Bonus Podcast
In this special podcast about debt and the economy in the UK, Jon Emgee from GetOutOfDebt.org.uk and I discuss many issues like why people have to put money in their gas and electric meters, the grocery walk of shame, UK inflation, petrol prices, healthcare, and much more. This show is part information and education and part telling stories.  If you have a UK debt-related question, you can ask Jon by visiting GetOutOfDebt.org.uk
35:50
July 04, 2022
Equity Loan, Home Prices, Money Pain for People That Help Us, and a Controversial Tough Topic That Will Make You Ponder
Equity Loan, Home Prices, Money Pain for People That Help Us, and a Controversial Tough Topic That Will Make You Ponder
In this podcast, I want to share the following stories that may surprise you. We will start with a loan advertisement that might appear in your mailbox and why you need to watch out.  Then we will chat about what will happen with home prices in this uncertain economy. Will they crash? Let's take a look. Next, I want to discuss how you might be inadvertently hurting people that help you.  Finally, I want to wind up with a controversial topic with significant economic unintended consequences for both men and women. I bet this is going to give you information most have not considered. If you have a question you'd like to ask, go to getoutofdebt.org/question, or if you want to leave a question for an upcoming podcast, go to getoutofdebt.org/message
20:14
June 28, 2022
Do You Need a Budget, Really? Why Budgeting is a Waste of Time for Many.
Do You Need a Budget, Really? Why Budgeting is a Waste of Time for Many.
One of the most dreaded words in the English language is budgets.  So today, I want to share some unspoken truths about budgets and make a confession to you as well.  The thought of a traditional or typical budget can create fear, shame, and stress for many. And that's just the tip of the iceberg. Budgets can also lead to fights, marital distress, and the absolute end of some relationships. It doesn't have to be that way. But, when it comes to finding the person you love, opposites attract. For example, a fundamental law of love and money is whether spenders attract savers or are savers attract spenders. I don't know. It's a chicken and egg problem. But I know that people with very different beliefs about money are drawn to each other.  There is more to being a budget planner than you would expect. Let's dive in and eliminate all your stress and guilt. If you have a question you'd like to ask, go to getoutofdebt.org/question , or if you want to leave a question for an upcoming podcast, go to getoutofdebt.org/message. Until next time, this is Steve Rhode, your Get Out of Debt Guy from GetOutOfDebt.org.
17:14
June 23, 2022
Credit Repair 101 - How to Make Your Credit Score Shiny and New
Credit Repair 101 - How to Make Your Credit Score Shiny and New
Today, we're going to be talking about credit repair, how to improve your credit score, scams to avoid, and what you should and should not do to help make your credit score as shiny as it should be. If you have a question you'd like to ask on the Debt Free Dudes podcast, go to GetOutOfDebt.org/message or if someone wants to send in a question you can go to GetOutOfDebt.org/question.
35:17
June 12, 2022
You Won't Believe This Student Loan Forgiveness Insanity. Mobile Homes Exploding, and Rich Folks Living Month-to-Month
You Won't Believe This Student Loan Forgiveness Insanity. Mobile Homes Exploding, and Rich Folks Living Month-to-Month
You will not believe the craziness the Department of Education is undertaking to forgive student loans for many while punishing the folks that are in the most financial need. In today's podcast, I talk about how insane this is.  If you owe Parent PLUS loans, you can forget about reasonable forgiveness of student loan debt. Parents are being left out in the cold. Speaking of folks left out in the cold, mobile homeowners are looking at exploding rents while the top 5 percent of income earners are living paycheck-to-paycheck. Steve Rhode - Your Get Out of Debt Guy
10:57
June 07, 2022
Side Hustles, Gigs, and Making Money in Your Spare Time - Uber, Lyft, Rover, Handy, Stowit, eBay, Facebook Marketplace, Neighbor, Fiverr, Upwork, and More
Side Hustles, Gigs, and Making Money in Your Spare Time - Uber, Lyft, Rover, Handy, Stowit, eBay, Facebook Marketplace, Neighbor, Fiverr, Upwork, and More
Today Damon and I talk about how to boost your income with side hustles. But, it does not have to be a painful experience. Success is a mindset, and the opportunity to make more money is as close as your smartphone. There is no shortage of apps and things you can do to raise money. From selling stuff to offering a service, there is a little something for everyone. This podcast is unusual since it starts with some behind-the-scenes audio that usually gets cut and vanishes forever. If you have feedback you'd like to share with us, go to GetOutOfDebt.org/message, and if you have a question you'd like to ask, go to GetOutOfDebt.org/question. Enjoy the podcast. Damon Day & Steve Rhode - Your Get Out of Debt Guy
46:36
June 06, 2022
Don't Let a Friend Become a Victim of these Cryptocurrency Scams. Here is What You Need to Know to Not Get Slaughtered
Don't Let a Friend Become a Victim of these Cryptocurrency Scams. Here is What You Need to Know to Not Get Slaughtered
Today we need to have an honest discussion about the largest growing scam category. Once you finish learning about it in this podcast, you will have to help spread the word to friends, family, and people you know. Don’t let them become a victim. Although cryptocurrency has yet to become a mainstream payment method, reports to the Federal Trade Commission show it’s an alarmingly common method for scammers to get peoples’ money.  Since the start of 2021, more than 46,000 people have reported losing over $1 billion in crypto to scams – that’s about one out of every four dollars reported lost.  That’s more than any other payment method. The median individual reported loss? A whopping $2,600. Bitcoin was the most prevalent requested cryptocurrency by scammers. Seven out of ten requests were for Bitcoin, 10 percent were for Tether and 9% were Ether. As big as those numbers are, they still don’t give us a complete picture of the scam losses with crypto. The vast majority of frauds are never reported so if we are just looking at reported numbers, it is a small percentage of total losses.   Crypto has several features that are attractive to scammers, which may help to explain why the reported losses in 2021 were nearly sixty times what they were in 2018.  Losses continue to accelerate. In the first quarter of 2022, crypto scam reported losses are almost $330 million. If it continues at this rate 2022 should end with about $1.5 billion in reported losses. There’s no bank or other centralized authority to flag suspicious transactions and attempt to stop fraud before it happens.  Crypto transfers can’t be reversed – once the money’s gone, there’s no getting it back. And most people are still unfamiliar with how crypto works. These considerations are not unique to crypto transactions, but they all play into the hands of scammers. Reports point to social media and crypto as a combustible combination for fraud. Nearly half the people who reported losing crypto to a scam since 2021 said it started with an ad, post, or message on a social media platform. During this period, nearly four out of every ten dollars reported lost to a fraud originating on social media was lost in crypto, far more than any other payment method.  The top platforms identified in these reports were Instagram (32%), Facebook (26%), WhatsApp (9%), and Telegram (7%). Of the reported crypto fraud losses that began on social media, most are investment scams. Indeed, since 2021, $575 million of all crypto fraud losses reported to the FTC were about bogus investment opportunities, far more than any other fraud type.  The stories people share about these scams describe a perfect storm: false promises of easy money paired with people’s limited crypto understanding and experience.  Investment scammers claim they can quickly and easily get huge returns for investors. But those crypto “investments” go straight to a scammer’s wallet. People report that investment websites and apps let them track the growth of their crypto, but it’s all fake. Some people report making a small “test” withdrawal – just enough to convince them it’s safe to go all in.  When they really try to cash out, they’re told to send more crypto for (fake) fees, and they don’t get any of their money back. Romance scams are a distant second to investment scams, with $185 million in reported cryptocurrency losses since 2021 – that’s nearly one in every three dollars reported lost to a romance scam during this period.  And many have an investment twist too. These keyboard Casanovas reportedly dazzle people with their supposed wealth and sophistication.  This strategy is called “pig slaughtering.” If you'd like to leave a voice message for an upcoming podcast, visit this link.
10:37
June 03, 2022
This State Offers Free College and Child Care - Story of the Day
This State Offers Free College and Child Care - Story of the Day
This story caught my attention and the ability to attend any state college or university and get free child care is a major policy change that can help lift people up without going into massive debt. For people that are looking to have a chance at a better future by attending vocational training, technical schools, or higher education, this state might be your new home. Child care is so expensive and a roadblock for many people trying to make the leap from welfare to work. State-paid childcare can help many working families get ahead.  If you have a question or comment you would like to include in an upcoming podcast, you can leave your message here. Steve Rhode - Your Get Out of Debt Guy.
14:28
June 02, 2022
What Do You Think Vickie Should Do About ClearOne Advantage? Listen and Share Your Opinion
What Do You Think Vickie Should Do About ClearOne Advantage? Listen and Share Your Opinion
Vickie wrote to me about her experience with ClearOne Advantage. She was concerned she had made a mistake with ClearOne Advantage and they had let her down.  Debt situations are complicated, and so much can influence how we deal with our debts. Part of the hidden influencers might be logic, but in Vickie's case, part of the decision-making process was stress, fear, and shame. I'd love to hear what you think Vickie should do after listening to her question. You can record and share your response at GetOutOfDebt.org/message. In this podcast, I share some points Vickie should consider when thinking about how to tackle her situation at this point.  Steve Rhode - Get Out of Debt Guy
11:58
June 01, 2022
I Had Great Credit My Entire Life and Lost it All in 90 Days
I Had Great Credit My Entire Life and Lost it All in 90 Days
Michelle wrote to me at GetOutOfDebt.org with a difficult financial situation. She had used all of her available cash to purchase a house to fix and sell and then was hit with COVID. After being in the hospital for six weeks and not getting paid, her finances are crumbling and she is looking for solutions. Steve Rhode - Get Out of Debt Guy - GetOutOfDebt.org
09:35
May 31, 2022
Making the Jump From Welfare to Work is Much More Complicated Than You Assume
Making the Jump From Welfare to Work is Much More Complicated Than You Assume
The ability for people to make the jump from public benefits to living without the need for benefits is much more complicated than the average person realizes. In this podcast, Damon Day and I talk about the hurdles people face. We also divulge the actual demographic profile of the person most like to commit benefit fraud. The answer will surprise you. Steve Rhode - Get Out of Debt Guy - GetOutOfDebt.org
32:55
May 30, 2022
What I Painfully Learned From Trading Crypto, IADT Student Loan Forgiveness, Algorithm Credit Denial Rules
What I Painfully Learned From Trading Crypto, IADT Student Loan Forgiveness, Algorithm Credit Denial Rules
Well, the lessons have been learned about being a crypto trading whiz. I talk about what I learned and have come to conclude. I also answer CM's question about IADT for-profit student loan forgiveness options, and how creditors now have to be able to support automated credit denials. Steve Rhode - Your Get Out of Debt Guy - GetOutOfDebt.org
11:23
May 26, 2022
Should I Do Debt Settlement or Bankruptcy?
Should I Do Debt Settlement or Bankruptcy?
Tina wanted to know if she should deal with her debt using debt settlement or bankruptcy.  It is interesting how a seemingly simple question can have a complicated answer. I decided to make your question the subject of a Debt Free Dudes podcast with Damon Day. Damon and I role-play what a lot of debt relief salespeople might say to you when you can for advice. This podcast contains examples of what you might hear from credit counseling, debt settlement, consolidation loan offers, and bankruptcy. Steve Rhode - Your Get Out of Debt Guy from GetOutOfDebt.org.
23:58
May 23, 2022
American Express Just Canceled My Cards. What Can I Do?
American Express Just Canceled My Cards. What Can I Do?
Ryan wrote to me through my site at GetOutOfDebt.org. He wanted to know what he could do to get his AMEX cards back. He said, "I've been an Amex customer for ten years and have five accounts. I spend over $1M each year, closer to $2M on average, and out of the blue, all accounts closed. No missed payments or anything like that. I pay the balances in full each month." In this podcast, I give Ryan facts about why this happened and what he can do about it. Steve Rhode - Your Get Out Of Debt Guy
05:32
May 20, 2022
I'm Struggling on Disability Income. Is American Consumer Credit Counseling Reputable?
I'm Struggling on Disability Income. Is American Consumer Credit Counseling Reputable?
Arianna wrote to me through my website at GetOutOfDebt.org and said she was living on disability income. She wanted to know if the nonprofit credit counseling group American Consumer Credit Counseling was a reputable company to go with to deal with her debt since she was struggling to make minimum payments only. In this podcast, I give Arianna a lot to think about and consider. She might not have to repay her creditors at all.  Her situation is an interesting look at how multifaceted debt problems can be. What would you do in Arianna's situation?
09:17
May 19, 2022
How Can It Be True That You Can Have Federal Student Loans Forgiven if You Go to Prison?
How Can It Be True That You Can Have Federal Student Loans Forgiven if You Go to Prison?
A recent reader question dragged me down a long dark tunnel to research if you can have your federal student loans forgiven if you are in jail. You can read my full post here. The technical answer is it appears some people can have their loans written off. But there is so much more to this than you can even imagine assuming. Listen to this podcast to be amazed by this impossible program. Steve Rhode - Your Get Out of Debt Guy - GetOutOfDebt.org
10:05
May 18, 2022
Straight Talk About Debt Settlement and Bankruptcy. We Expose Reality and Breakdown Myths and Realities.
Straight Talk About Debt Settlement and Bankruptcy. We Expose Reality and Breakdown Myths and Realities.
This time Damon Day and Steve talk about debt settlement. Or at least that's what the podcast was supposed to focus on. It didn't take long before it ran off the rails. But the show covers: What is debt settlement? What debt settlement is not. Is debt settlement always the best solution? Does debt settlement impact my credit? What are the facts about debt settlement? How do my debts get settled? Do creditors participate in debt settlement programs? What will my debt settlement payment be? Why debt settlement is like jumping out of an airplane. Does a debt settlement salesperson consider my financial situation? What is the debt settlement representative really doing when I call? Who decides if debt settlement is right for me? What should you consider to solve your money troubles? How can someone in debt make a smart and intelligent decision about how to deal with their debt? What happens when you call a debt settlement company, credit counseling group, and a bankruptcy attorney? What is the right solution for my debt situation? A bankruptcy confession. What it was really like. Tax consequences of debt settlement. When is debt settlement a great option? What if I want to repay my creditors as promised? The best process for deciding how to tackle your debt problem. What are debt settlement, debt negotiations, debt intervention, and debt validation?
39:35
May 17, 2022
There is More to Forgiving Student Loans Than Either Side is Talking About
There is More to Forgiving Student Loans Than Either Side is Talking About
The topic of if student loans should be forgiven is a hot topic right now. On one side people are demanding some level of forgiveness. On the other side, student loan forgiveness should not happen because it is not fair to truck drivers. But what is the truth? In this Debt Free Dudes podcast, Damon Day ( DamonDay.com ) and Steve Rhode ( GetOutOfDebt.org ) talk about the real issues surrounding student loan debt and why the positions most have are nonsensical and won't fix the real problems. In this podcast, we talk about real solutions to student loan debt and what should really be done to make the future better for the next generation of students that might take out loans to pay for higher education.
29:42
May 16, 2022
In 2022, Should You Rent or Buy a Home
In 2022, Should You Rent or Buy a Home
No question has been asked more often over my decades of helping people with money, credit, and debt issues than is it is better to rent or buy. The best answer to that question is yes because arguments can be made on both sides of that issue. So, let's talk about it and help you to see the situation in a way you might not have before. In this podcast, I talk about the Money Personality test on my site. Here is the link. If you have money, credit, or debt questions you'd like to ask, drop by GetOutOfDebt.org and ask me for free. Steve Rhode - Your Get Out of Debt Guy
07:51
May 13, 2022
How Much Credit Card Debt Should I Carry to Not Harm My Credit Score?
How Much Credit Card Debt Should I Carry to Not Harm My Credit Score?
Alan asked me a question at GetOutOfDebt.org about how much his credit card balances should be and what percentage he should maintain to improve his credit score.  Alan made some moves that seemed like commonsense but the reality is those assumed smart moves actually hurt his credit score. On this podcast, I also answer Alan's question and give you some tips on how to aim for the best credit score available. Steve Rhode - Your Get Out of Debt Guy
07:49
May 12, 2022
Interest Rates and Credit Card Debt is Rising. Here is What You Need to Watch Out For
Interest Rates and Credit Card Debt is Rising. Here is What You Need to Watch Out For
Today, my concern for your finances is over credit card balances and interest rates rising. People are not prepared for what is coming, and I want you to be ready. The latest figures are out from the Federal Reserve report on consumer credit. The G19 information looks at what types of debts are rising and which are falling. If you have a credit or debt question you'd like to ask, visit me at GetOutOfDebt.org. Steve
06:29
May 11, 2022
What to Look for When Consolidating Private Student Loans
What to Look for When Consolidating Private Student Loans
Julie dropped by GetOutOfDebt.org and left me a question about consolidating private student loans. So before just leaping at advertising offers arriving in your mailbox, here are some points to consider. Be an intelligent consumer because otherwise, it can cost you a lot of wasted money. But you can save money and lower the cost of consolidating your private student loans with these simple tips. Visit me at GetOutOfDebt.org and ask me your credit or debt question just like Julie did. I'm here to help. Steve
05:42
May 10, 2022
Truth About Navient Student Loan Forgiveness. It's Not What You Assume.
Truth About Navient Student Loan Forgiveness. It's Not What You Assume.
Over on the Debt Free Dudes podcast, Damon Day and I talk about the confusion, complexities, and misinformation about the announcements that Navient forgiveness of student loans. There are so many important details the headlines can't give you. Debtors will be confused and may wind up angry if they think some or all of their student loans are going to be forgiven as the result of the settlement I wrote about at https://getoutofdebt.org/167223/ In this podcast, Damon and I talk about how confusing this process has been and why many Navient student loan debtors will not turn out to be winners.
24:54
May 09, 2022
FTC Shuts Down Credit Repair Using Tradelines, Piggybacking, and Identity Theft Reports
FTC Shuts Down Credit Repair Using Tradelines, Piggybacking, and Identity Theft Reports
Company Illegally Charged Consumers for Credit Advice, Filed False ID Theft Reports, and Pitched Them on Fake Business Opportunity. You can read the full post and download the lawsuit and restraining order by visiting the original post at https://getoutofdebt.org/168047/ This Federal Trade Commission suit is yet another example of how consumers can be the victims of illegal services promising to improve credit using dubious techniques.
08:08
May 06, 2022
Apparently You Can Screw Up a Student Loan Free Lunch
Apparently You Can Screw Up a Student Loan Free Lunch
Well, federal student loans have been put on hold until January 31, 2022, and while that sounds like a fantastic way to deal with people struggling to pay student loans, it has good points and some not-so-great features. In this podcast, Damon Day and I talk about how not all "federal" student loans are included and the new Republican no-interest student loan act put forward in Congress.
13:16
August 10, 2021
Do Not Avoid Bankruptcy - You Read That Right
Do Not Avoid Bankruptcy - You Read That Right
There is so much misinformation floating about when it comes to dealing with debt. Far too many people tell you bankruptcy is a last resort or you should avoid bankruptcy. But here is the ironic thing, that is often the worst advice possible. In this podcast, Damon Day and I talk about bankruptcy, myths and assumptions about bankruptcy, and how to deal with the debt collector if you fall behind on payments. The big lesson here is not to believe everything you think but to do your homework and find out what the facts are so you can make the best decision for yourself or a friend that is facing money troubles.
33:27
August 05, 2021
Student Loan Limbo and How to Get Out and Get On With Your Life!
Student Loan Limbo and How to Get Out and Get On With Your Life!
The issue today is that there seem to be so many conflicting stories and so much misinformation about student loans, people have become frustrated. Student loans are a major problem for most of our listeners and the nation. Not only are they unaffordable but they are also dragging down all consumers with higher prices, and they have created a large number of borrowers who have no choice but to stay in limbo, not knowing whether to pay their loans or how to do so when penalties and other roadblocks are built into the system. People just want to know how they can know what their options are without being scammed or sold something. Let's dive right in.
17:42
August 04, 2021
Well Bless Danny's Heart - EAC Student Loan Contracts - Biz Op Refund
Well Bless Danny's Heart - EAC Student Loan Contracts - Biz Op Refund
Today Damon Day and I talk about three quick topics. The first is a reader comment from our last podcast on debt validation. Danny sure is irritated by the podcast. Next, we talk about the termination of financing agreements for student loan assistance services. Finally, we discuss how the FTC is sending refund checks to people that were suckered into a business opportunity.
25:22
August 02, 2021
Public Service Loan Forgiveness is a Really Crappy Program
Public Service Loan Forgiveness is a Really Crappy Program
Today Damon Day and I get stupidly silly laughing and complaining about the ridiculousness of the Public Service Loan Forgiveness program that was intended to forgive student loans for firefighters, police officers, teachers, low-income lawyers, military service members, and more. The PSLF program has turned into a disgrace with more than 98% of people apply for forgiveness being rejected. But wait, there's more. To read the show transcript, click here.
25:56
July 30, 2021
What You Should Really Know About Debt Validation and Magic Beanstalk Letters
What You Should Really Know About Debt Validation and Magic Beanstalk Letters
In this podcast, Damon Day and I talk about why debt validation isn't really the magic solution some companies try to sell to consumers. There is much more to know about debt validation before you just leap at the incredible sales pitch. If you think debt validation is the way you'd like to take care of your debt, that's great. But before you leap at the sales pitch, at least understand the pros and cons of debt validation so you can make the best and most informed decision to feel confident debt validation is right for you and or your family. If you want to read the full show transcript, click here.
19:53
July 27, 2021
In Debt? Consider Bankruptcy. Seriously.
In Debt? Consider Bankruptcy. Seriously.
If you want to see someone instantly disagree with you, tell them that people that file bankruptcy do better financially than people who don't and struggle. When people face unexpected money troubles, it is just math wrapped in emotion. The underlying facts are not judgmental. And the math doesn't make assumptions or believe common myths.  Let's talk about it.
08:17
July 26, 2021
Get Out of Debt Guy Show - Student Loan Servicer Quits. Mess to Ensue.
Get Out of Debt Guy Show - Student Loan Servicer Quits. Mess to Ensue.
On the show today Damon Day and I focused on reduced mortgage payments for people behind on their federally backed mortgage loans after Covid forbearance ends, why it is so easy to make bad emotional decisions, and adios to FedLoan Servicing. Steve Rhode Get Out of Debt Guy GetOutOfDebt.org
33:28
July 26, 2021
Answering Reader Questions - 1099C and Credit Report Dispute Issues
Answering Reader Questions - 1099C and Credit Report Dispute Issues
In this episode, I answer a couple of reader questions with some interesting issues. The first involves what looks like a duplicate 1099-C tax form for forgiven debt. The second is about an old bad debt that is still on the credit report.  If you'd like to ask me a question, just visit https://GetOutOfDebt.org and click the ask a question link at the top.
05:32
July 26, 2021
Is the Payroll Tax Holiday You've Heard About Everything It is Cracked Up to Be?
Is the Payroll Tax Holiday You've Heard About Everything It is Cracked Up to Be?
You might have heard about a new presidential executive order that was signed recently that is supposed to put a halt to having payroll taxes taken out of your paycheck. But there is some important information to know before you get all excited about this and fall for it.
05:21
August 10, 2020
Should I Get a Loan Because of New Medical Debt? - Reader Question
Should I Get a Loan Because of New Medical Debt? - Reader Question
Bob wrote to me with his second round of medical debt and wanted to know if a loan or some debt resolution program would be a good idea. My answer is probably going to surprise Bob.
04:38
July 27, 2020
Coronavirus Evictions Coming Fast
Coronavirus Evictions Coming Fast
We are potentially on the backside of consumer protections from the pandemic. One of these protections was to put evictions on hold while people were struggling to make rent payments. Unless Congress or individual states extend the protections, waves of evictions are possible. ProPublica had a very informative article out on this subject that I wanted to share with you. Your Get Out of Debt Guy. Steve Rhode
16:13
July 26, 2020
Student Loan Assistance Scam to Watch For - Another College Closes - Farm Debt - Best Way to Pay Down Debt
Student Loan Assistance Scam to Watch For - Another College Closes - Farm Debt - Best Way to Pay Down Debt
This week Damon Day (DamonDay.com) and Steve Rhode (GetOutOfDebt.org) spend far too much time laughing and joking about nonsensical stuff while they deal with some serious debt subjects. When it comes to debt there is no sense dying all tensed up. They introduce the new call-in line where you can leave your question on voicemail - 919-391-7976. They also cover a couple of scary telephone message scams that are making people nervous and trying to make sure Damon survives the Bomb Cyclone he is sitting in the middle of.
41:52
March 14, 2019
Debit Cards Versus Credit Cards - Layaway - Vacations - Big IRS Refunds
Debit Cards Versus Credit Cards - Layaway - Vacations - Big IRS Refunds
This week Damon Day and I talk about a wide variety of topics. Everything from why big TRS refunds spell trouble to what you really need to know about credit cards and debit cards. The advice is what you would least expect. As usual, the commentary is irreverent at times and we certainly don't take much very seriously. Enjoy the podcast. Oh, and if you want to find Steve, go to GetOutOfDebt.org and you can find Damon over at DamonDay.com. Do you have a question you'd like for us to answer? Leave your question on voicemail by calling 919-391-7976.
48:43
March 05, 2019
Dept of Ed Loan Servicers Suck - Argosy U Swirling Toilet - Car Loans Go Bad
Dept of Ed Loan Servicers Suck - Argosy U Swirling Toilet - Car Loans Go Bad
This week Damon Day and I produce another low rent show, this time about the recent information out from the Department of Education Inspector General.  The report released found the Department of Education was doing a poor job keep federal student loan servicers in line. The report stated, "By not holding servicers accountable for instances of noncompliance with Federal loan servicing requirements, FSA did not provide servicers with an incentive to take actions to mitigate the risk of continued servicer noncompliance that could harm students." Shocker? We then ramble into a conversation about the problems students at Argosy University are facing trying to figure out where their financial aid money is or went. Finally we have a little chat about how the news of car loans defaulting isn't exactly what everyone thinks. Default rates are up, but not for everyone. Do you have a question you'd like for us to answer? Leave your question on voicemail by calling 919-391-7976.
32:42
February 24, 2019
Making Money by Having Fun, Cheap Tips, and Scammed on Craigslist
Making Money by Having Fun, Cheap Tips, and Scammed on Craigslist
Dealing with financial problems is about more than just making a budget. This time Damon Day and I talk about how to make having fun affordable, traveling on the cheap with your own trailer, a few money-saving tips, and Damon tells us how he just got scammed on Craigslist. I'm not sure how we managed to turn the full recording into a podcast but we did. Some curse words included. - Steve Rhode - Get Out of Debt Guy - https://GetOutOfDebt.org Do you have a question you'd like for us to answer? Leave your question on voicemail by calling 919-391-7976.
50:11
February 12, 2019
Did You Get a Debt Consolidation Loan Mailer? Be Sure Not to Do This.
Did You Get a Debt Consolidation Loan Mailer? Be Sure Not to Do This.
Damon Day and I talk about what to do if you've received an offer in your mailbox for a debt consolidation loan.  Not every offer turns out to be what you think it is.  We talk about questions to ask and what to do when you call the company to get a loan. If you have a question you'd like to ask, visit me at GetOutOfDebt.org. If you'd like to see the video of us recording this show, visit https://GetOutOfDebt.org/118791/ Do you have a question you'd like for us to answer? Leave your question on voicemail by calling 919-391-7976.
19:39
January 30, 2019
Chased for Debt, No Doc Loans are Back, Just Get a Loan, and Reader Question
Chased for Debt, No Doc Loans are Back, Just Get a Loan, and Reader Question
This time my friend Damon Day and I talk quickly about several topics that made us scratch our heads this week. Here are the posts on my site that correspond with some of the stories we stumble through. 1. Chinese Smartphone App to Find Debtors 2. There Are No Solutions For Us to Get Out of Debt That We Can Afford 3. Government Workers Should Just Go Get Loans 4. The Gigantic Reader Question If you have a question you'd like to ask, just click here. If you'd like to subscribe to the podcast, check whatever app you are using to list and see if there is an option to do so. Do you have a question you'd like for us to answer? Leave your question on voicemail by calling 919-391-7976.
24:28
January 25, 2019
How to Avoid the Debt Collector and Sugar Coating Student Loans
How to Avoid the Debt Collector and Sugar Coating Student Loans
Steve and Damon laugh and talk their way through some difficult debt topics and give you some great tips on avoiding heavy student loan debt and ways to hide from the debt collector when you need to escape for a bit. To ask Steve a question visit https://GetOutOfDebt.org or if you want to talk to Damon then visit https://DamonDay.com
27:18
January 21, 2019
How to Get the Right Help for Debt Problems – Get Out of Debt Guy Show
How to Get the Right Help for Debt Problems – Get Out of Debt Guy Show
In this show I share some critical information and advice with you on how not to become a victim or get scammed when you are searching for debt relief help. Having financial problems can be scary enough but who can you trust and who should you turn to when you are looking for good options […] The post How to Get the Right Help for Debt Problems – Get Out of Debt Guy Show appeared first on Get Out of Debt Guy - Steve Rhode.
10:11
December 05, 2012
Here’s How to Build the Best Budget – Get Out of Debt Guy Show
Here’s How to Build the Best Budget – Get Out of Debt Guy Show
Budgets can be an exercise in pain for many people. The sad part is it doesn’t have to be like that, at all. Building a great budget is simple when you understand what not to do. And what you shouldn’t do first is sit down and make a budget from memory. That just sets you […] The post Here’s How to Build the Best Budget – Get Out of Debt Guy Show appeared first on Get Out of Debt Guy - Steve Rhode.
08:02
November 27, 2012
Debt Relief Recap and What Consumers Do Wrong When Seeking Help – Podcast
Debt Relief Recap and What Consumers Do Wrong When Seeking Help – Podcast
The latest Get Out of Debt Guy show. Damon Day and I talk about the big changes in the debt relief world over the past year. We talk about about how many debt relief companies have failed and how new rules from the FTC have altered the way the debt relief world works. We talk […] The post Debt Relief Recap and What Consumers Do Wrong When Seeking Help – Podcast appeared first on Get Out of Debt Guy - Steve Rhode.
30:26
July 03, 2012
DIY Debt Settlement for Those Interested in Do It Yourself Debt Settlement – Podcast
DIY Debt Settlement for Those Interested in Do It Yourself Debt Settlement – Podcast
Here is this weeks podcast where Damon Day, from DamonDay.com, and I talk about a number of debt industry issues including: If it is possible to settle your own debt. How to begin to approach do it yourself debt settlement. Hiring a debt settlement company is a smart thing to do if someone does not […] The post DIY Debt Settlement for Those Interested in Do It Yourself Debt Settlement – Podcast appeared first on Get Out of Debt Guy - Steve Rhode.
41:07
March 08, 2011
The History of Getting Out of Debt This Week on the Get Out of Debt Guy Show
The History of Getting Out of Debt This Week on the Get Out of Debt Guy Show
In this show I talk with Dr. Louis Hyman, a consumer credit historian. We talk about the history of debt relief. He points out that the process of intervening in the debt of consumer began way back after World War I with the advent of new consumer debt opportunities. It does not matter if it […] The post The History of Getting Out of Debt This Week on the Get Out of Debt Guy Show appeared first on Get Out of Debt Guy - Steve Rhode.
30:10
December 23, 2010
“We Quit” in Debt Settlement and Making Your Finances More Friendly – The Get Out of Debt Guy Show
“We Quit” in Debt Settlement and Making Your Finances More Friendly – The Get Out of Debt Guy Show
Revelations in debt settlement tops today’s show. Alex Viecco from New Era Debt Solutions openly talks about his disgust with the current state of debt settlement and why his company boldly and publicly resigned in disgust from The Association of Settlement Companies (TASC). In this show Alex is followed by some exceptional good financial advice […] The post “We Quit” in Debt Settlement and Making Your Finances More Friendly – The Get Out of Debt Guy Show appeared first on Get Out of Debt Guy - Steve Rhode.
30:09
October 19, 2010
Debtors’ Prison, Why Creditors Don’t Care if You Repay Your Debt, and Bankruptcy – The Get Out Of Debt Guy Show
Debtors’ Prison, Why Creditors Don’t Care if You Repay Your Debt, and Bankruptcy – The Get Out Of Debt Guy Show
On today’s show I talk with Dr. Louis Hyman, an expert in the history of debt. Not only was it great talking with him but we chatted just as long off the air. This is one guy you’ll be hearing more from in the future on this show. We talked about the history of debt, […] The post Debtors’ Prison, Why Creditors Don’t Care if You Repay Your Debt, and Bankruptcy – The Get Out Of Debt Guy Show appeared first on Get Out of Debt Guy - Steve Rhode.
30:40
October 12, 2010
Debt Settlement Fee Ban, Credit Counseling Wounded, Caller Question – The Get Out of Debt Guy Show
Debt Settlement Fee Ban, Credit Counseling Wounded, Caller Question – The Get Out of Debt Guy Show
Today we’ll be also talking about the impact the new fee ban for debt settlement services is going to have. We’ll also talk about changes that are impacting credit counseling and why people need to address their problem debt now before the economy improves too much. All that and a caller question on today’s show. […] The post Debt Settlement Fee Ban, Credit Counseling Wounded, Caller Question – The Get Out of Debt Guy Show appeared first on Get Out of Debt Guy - Steve Rhode.
32:21
October 06, 2010
Personal Attacks, Debt Relief Marketing, How to Separate People From Money and More Stuff – Podcast
Personal Attacks, Debt Relief Marketing, How to Separate People From Money and More Stuff – Podcast
Here is this weeks podcast where Damon Day and I talk about a number of debt industry issues including: Personal attacks against articles and stories written. Why some people don’t want consumers to get honest or independent advice. The reason why personal attacks are simply meant to misdirect consumers from hearing a message others don’t […] The post Personal Attacks, Debt Relief Marketing, How to Separate People From Money and More Stuff – Podcast appeared first on Get Out of Debt Guy - Steve Rhode.
48:22
September 13, 2010
Offshore Debt Settlement, Morgan Drexen, Badges, Elizabeth Warren, Bed Intruder, CROA, and More – Podcast
Offshore Debt Settlement, Morgan Drexen, Badges, Elizabeth Warren, Bed Intruder, CROA, and More – Podcast
Here is this weeks podcast where Damon Day and I talk about a number of debt industry issues including: Debt settlement companies settling up offshore enterprises to sell services back to U.S. residents. The odd statements made in the recent Morgan Drexen press release. You can watch video from the release here. What is the […] The post Offshore Debt Settlement, Morgan Drexen, Badges, Elizabeth Warren, Bed Intruder, CROA, and More – Podcast appeared first on Get Out of Debt Guy - Steve Rhode.
01:10:35
August 22, 2010
New Debt Settlement Rules – Get Out of Debt Radio Show
New Debt Settlement Rules – Get Out of Debt Radio Show
This week Damon Day and I talk about the new debt settlement rules that were announced by the Federal Trade Commission, the need for them, the impact on debt settlement companies, why some debt settlement companies will fail and others thrive, and more about the attorney model of debt settlement that is being promoted as […] The post New Debt Settlement Rules – Get Out of Debt Radio Show appeared first on Get Out of Debt Guy - Steve Rhode.
01:03:35
August 09, 2010
Money America Radio Show With Steve Rhode, August 5, 2010
Money America Radio Show With Steve Rhode, August 5, 2010
Yesterday I appeared as a guest on the Money America radio show that is heard in Massachusetts. Here is the broadcast and as you will hear it focused on recent changes in the rules from the Federal Trade Commission regarding debt settlement. You can listen to the show below. Money America Radio Show With Steve […] The post Money America Radio Show With Steve Rhode, August 5, 2010 appeared first on Get Out of Debt Guy - Steve Rhode.
53:45
August 06, 2010
The Debt Settlement Attorney Model Podcast
The Debt Settlement Attorney Model Podcast
This week the podcast with Damon Day focused primarily on the attorney model in debt settlement and the problems associated with that. Here are some of the articles that relate to issues we talked about in the podcast. The Critical Flaw in The Attorney Model for Debt Settlement Mosler Law Firm and SFC State Capital […] The post The Debt Settlement Attorney Model Podcast appeared first on Get Out of Debt Guy - Steve Rhode.
58:30
July 20, 2010
Debt Settlement Does Not Need to Be Closed Down. It Needs to Be Cleaned Up. – Podcast
Debt Settlement Does Not Need to Be Closed Down. It Needs to Be Cleaned Up. – Podcast
I had a very interesting conversation with a debt settlement insider that mentioned how many debt settlement companies he talks to that hate me for what I write. Yea, I’m not losing sleep over that. I made the following podcast of this article so you could enjoy it with background music. Debt Settlement Does Not […] The post Debt Settlement Does Not Need to Be Closed Down. It Needs to Be Cleaned Up. – Podcast appeared first on Get Out of Debt Guy - Steve Rhode.
05:47
July 13, 2010
Debt Buyers, Getting Sued by a Creditor, and Debt Relief Scams to Avoid – Get Out of Debt Podcast
Debt Buyers, Getting Sued by a Creditor, and Debt Relief Scams to Avoid – Get Out of Debt Podcast
This week Damon and I talk about debt buyers, companies that purchased charged off debt and attempt to collect them, the problem with the proof that debt buyers have to collect the debt, and the wave of lawsuits and judgments from debts buyers. We talk about what happens when you are sued by a creditor […] The post Debt Buyers, Getting Sued by a Creditor, and Debt Relief Scams to Avoid – Get Out of Debt Podcast appeared first on Get Out of Debt Guy - Steve Rhode.
45:46
July 02, 2010
Damon & Steve Talk About Debt Settlement Bullshit – Get Out of Debt Podcast
Damon & Steve Talk About Debt Settlement Bullshit – Get Out of Debt Podcast
Here is the latest Get Out of Debt show podcast. Today Damon Day and I got together and picked a topic in the debt relief world and discussed it at length to give you insight into the inside information on this topic. We hope to do this on a regular basis to share with you […] The post Damon & Steve Talk About Debt Settlement Bullshit – Get Out of Debt Podcast appeared first on Get Out of Debt Guy - Steve Rhode.
00:00
June 22, 2010
I Sit Down With a Bankruptcy Attorney and Talk About Filing Bankruptcy – Get Out of Debt Podcast
I Sit Down With a Bankruptcy Attorney and Talk About Filing Bankruptcy – Get Out of Debt Podcast
Here is the latest Get Out of Debt podcast. I had the opportunity to sit down with Jeff Jackson, a bankruptcy attorney from Ohio and talked about many different aspects of bankruptcy including: The fear of approaching a bankruptcy attorney. Common questions and concerns when people are considering bankruptcy The benefits of bankruptcy to stop […] The post I Sit Down With a Bankruptcy Attorney and Talk About Filing Bankruptcy – Get Out of Debt Podcast appeared first on Get Out of Debt Guy - Steve Rhode.
24:29
June 18, 2010
James the Police Officer Calls in For Help to Avoid a Repo – Get Out of Debt Podcast
James the Police Officer Calls in For Help to Avoid a Repo – Get Out of Debt Podcast
Here is the latest Get Out of Debt show podcast. Do You Have a Question You Want to Ask? If you have a credit or debt question you’d like to ask call 919-321-2378. Leave your first name and question and I’m happy to help you totally for free. Get Out of Debt Guy – Twitter, […] The post James the Police Officer Calls in For Help to Avoid a Repo – Get Out of Debt Podcast appeared first on Get Out of Debt Guy - Steve Rhode.
06:25
December 07, 2009
Allegro Law and Ripping Off Customers – Get Out of Debt Podcast
Allegro Law and Ripping Off Customers – Get Out of Debt Podcast
Here is the latest Get Out of Debt show podcast. Do You Have a Question You Want to Ask? If you have a credit or debt question you’d like to ask call 919-321-2378. Leave your first name and question and I’m happy to help you totally for free. Get Out of Debt Guy – Twitter, […] The post Allegro Law and Ripping Off Customers – Get Out of Debt Podcast appeared first on Get Out of Debt Guy - Steve Rhode.
05:18
September 22, 2009
Jim, Charles and Cheryl Get Their Questions Answered on This Get Out of Debt Podcast
Jim, Charles and Cheryl Get Their Questions Answered on This Get Out of Debt Podcast
Here is the latest Get Out of Debt show podcast. Do You Have a Question You Want to Ask? If you have a credit or debt question you’d like to ask call 919-321-2378. Leave your first name and question and I’m happy to help you totally for free. Get Out of Debt Guy – Twitter, […] The post Jim, Charles and Cheryl Get Their Questions Answered on This Get Out of Debt Podcast appeared first on Get Out of Debt Guy - Steve Rhode.
15:24
September 04, 2009
Candy Has Concerns About Creditor Interchange and the Settlement Offer – Get Out of Debt Podcast
Candy Has Concerns About Creditor Interchange and the Settlement Offer – Get Out of Debt Podcast
Here is the latest Get Out of Debt show podcast. Do You Have a Question You Want to Ask? If you have a credit or debt question you’d like to ask call 919-321-2378. Leave your first name and question and I’m happy to help you totally for free. Get Out of Debt Guy – Twitter, […] The post Candy Has Concerns About Creditor Interchange and the Settlement Offer – Get Out of Debt Podcast appeared first on Get Out of Debt Guy - Steve Rhode.
05:46
August 26, 2009
Daisy Calls Again. Uncertain if Debt Settlement or Debt Management is Right for Her. – Get Out of Debt Podcast
Daisy Calls Again. Uncertain if Debt Settlement or Debt Management is Right for Her. – Get Out of Debt Podcast
Here is the latest Get Out of Debt show podcast. Do You Have a Question You Want to Ask? If you have a credit or debt question you’d like to ask call 919-321-2378. Leave your first name and question and I’m happy to help you totally for free. Get Out of Debt Guy – Twitter, […] The post Daisy Calls Again. Uncertain if Debt Settlement or Debt Management is Right for Her. – Get Out of Debt Podcast appeared first on Get Out of Debt Guy - Steve Rhode.
08:02
August 26, 2009
Daisy Calls In And Wonders How to Get an Allegro Law Refund – Get Out of Debt Podcast
Daisy Calls In And Wonders How to Get an Allegro Law Refund – Get Out of Debt Podcast
Here is the latest Get Out of Debt show podcast. Do You Have a Question You Want to Ask? If you have a credit or debt question you’d like to ask call 919-321-2378. Leave your first name and question and I’m happy to help you totally for free. Get Out of Debt Guy – Twitter, […] The post Daisy Calls In And Wonders How to Get an Allegro Law Refund – Get Out of Debt Podcast appeared first on Get Out of Debt Guy - Steve Rhode.
04:49
August 24, 2009
An Interview With Dan Stermer, the Court Appointed Receiver for the Hess Kennedy Debt Settlement Law Firm in Florida – Get Out of Debt Podcast
An Interview With Dan Stermer, the Court Appointed Receiver for the Hess Kennedy Debt Settlement Law Firm in Florida – Get Out of Debt Podcast
Here is the latest Get Out of Debt show podcast. Do You Have a Question You Want to Ask? If you have a credit or debt question you’d like to ask call 919-321-2378. Leave your first name and question and I’m happy to help you totally for free. Get Out of Debt Guy – Twitter, […] The post An Interview With Dan Stermer, the Court Appointed Receiver for the Hess Kennedy Debt Settlement Law Firm in Florida – Get Out of Debt Podcast appeared first on Get Out of Debt Guy - Steve Rhode.
12:44
August 19, 2009
Question From James About an Allegro Law Client Refund – Get Out of Debt Podcast
Question From James About an Allegro Law Client Refund – Get Out of Debt Podcast
Here is the latest Get Out of Debt show podcast. Do You Have a Question You Want to Ask? If you have a credit or debt question you’d like to ask call 919-321-2378. Leave your first name and question and I’m happy to help you totally for free. Get Out of Debt Guy – Twitter, […] The post Question From James About an Allegro Law Client Refund – Get Out of Debt Podcast appeared first on Get Out of Debt Guy - Steve Rhode.
05:30
August 18, 2009
Get Out of Debt Podcast – More Answers for Angela Concerning Picking a Bankruptcy Attorney
Get Out of Debt Podcast – More Answers for Angela Concerning Picking a Bankruptcy Attorney
Here is the latest Get Out of Debt show podcast. Do You Have a Question You Want to Ask? If you have a credit or debt question you’d like to ask call 919-321-2378. Leave your first name and question and I’m happy to help you totally for free. Get Out of Debt Guy – Twitter, […] The post Get Out of Debt Podcast – More Answers for Angela Concerning Picking a Bankruptcy Attorney appeared first on Get Out of Debt Guy - Steve Rhode.
06:20
August 13, 2009
Get Out of Debt Podcast – Answers for Deborah Who Was in an Auto Accident
Get Out of Debt Podcast – Answers for Deborah Who Was in an Auto Accident
Here is the latest Get Out of Debt show podcast. Do You Have a Question You Want to Ask? If you have a credit or debt question you’d like to ask call 919-321-2378. Leave your first name and question and I’m happy to help you totally for free. Get Out of Debt Guy – Twitter, […] The post Get Out of Debt Podcast – Answers for Deborah Who Was in an Auto Accident appeared first on Get Out of Debt Guy - Steve Rhode.
07:23
August 12, 2009
Get Out of Debt Podcast – Answers for Angela and Her Concerns About Allegro Law
Get Out of Debt Podcast – Answers for Angela and Her Concerns About Allegro Law
Here is the latest Get Out of Debt show podcast. Do You Have a Question You Want to Ask? If you have a credit or debt question you’d like to ask call 919-321-2378. Leave your first name and question and I’m happy to help you totally for free. Get Out of Debt Guy – Twitter, […] The post Get Out of Debt Podcast – Answers for Angela and Her Concerns About Allegro Law appeared first on Get Out of Debt Guy - Steve Rhode.
10:05
August 12, 2009
Get Out of Debt Podcast – Answers for Peggy About Allegro Law
Get Out of Debt Podcast – Answers for Peggy About Allegro Law
Here is the latest Get Out of Debt show podcast. Do You Have a Question You Want to Ask? If you have a credit or debt question you’d like to ask call 919-321-2378. Leave your first name and question and I’m happy to help you totally for free. Get Out of Debt Guy – Twitter, […] The post Get Out of Debt Podcast – Answers for Peggy About Allegro Law appeared first on Get Out of Debt Guy - Steve Rhode.
11:46
August 11, 2009
Get Out of Debt Podcast – Answers for James, Charlene, and Duff
Get Out of Debt Podcast – Answers for James, Charlene, and Duff
Here is the latest Get Out of Debt show podcast. Do You Have a Question You Want to Ask? Get Out of Debt Guy – Twitter, G+, Facebook Questions Included in This Show: Question From James My wife and i live in las vegas where property values have drastically decreased. We both have had financial […] The post Get Out of Debt Podcast – Answers for James, Charlene, and Duff appeared first on Get Out of Debt Guy - Steve Rhode.
00:00
May 27, 2009
May 26, 2009
May 26, 2009
00:42
May 26, 2009