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	<title>Get Out of Debt Guy – Steve Rhode</title>
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		<title>What Citi Just Told the SEC About the Real Cost of Your Card Rewards</title>
		<link>https://getoutofdebt.org/269632/citi-credit-card-rewards-real-cost-sec-filing</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 04 Sep 2026 18:13:59 +0000</pubDate>
				<category><![CDATA[What They Told Wall Street]]></category>
		<category><![CDATA[10-Q]]></category>
		<category><![CDATA[AAdvantage]]></category>
		<category><![CDATA[American Airlines]]></category>
		<category><![CDATA[barclays]]></category>
		<category><![CDATA[card issuer]]></category>
		<category><![CDATA[citigroup]]></category>
		<category><![CDATA[consumer banking]]></category>
		<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[credit card interest]]></category>
		<category><![CDATA[Credit Card Rewards]]></category>
		<category><![CDATA[interchange Fees]]></category>
		<category><![CDATA[revolving debt]]></category>
		<category><![CDATA[SEC filing]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269632</guid>

					<description><![CDATA[Citi's own SEC filing shows the fee side of its card business ran $663 million in the red this quarter. Here's what that means for how you use your card.]]></description>
		
		
		
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		<item>
		<title>My Farm Business Closed — Am I Personally Liable for the Equipment Loans?</title>
		<link>https://getoutofdebt.org/269623/farm-business-closed-personally-liable-equipment-loans</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 04 Sep 2026 18:13:58 +0000</pubDate>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Business Debts]]></category>
		<category><![CDATA[Chapter 12 bankruptcy]]></category>
		<category><![CDATA[deficiency balance]]></category>
		<category><![CDATA[equipment loan default]]></category>
		<category><![CDATA[family farmer bankruptcy]]></category>
		<category><![CDATA[farm debt]]></category>
		<category><![CDATA[LLC liability]]></category>
		<category><![CDATA[Personal Guarantee]]></category>
		<category><![CDATA[personal guaranty]]></category>
		<category><![CDATA[ranch debt]]></category>
		<category><![CDATA[Repossession]]></category>
		<category><![CDATA[small business debt]]></category>
		<category><![CDATA[sole proprietor liability]]></category>
		<category><![CDATA[USDA Farm Service Agency]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269623</guid>

					<description><![CDATA[Closing a farm or ranch business doesn't automatically close the equipment loans. Here's how personal guarantees, deficiency balances, and Chapter 12 bankruptcy actually work.]]></description>
		
		
		
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		<item>
		<title>They Said Giving My House to My Kid Before I File Protects It From Bankruptcy. The Trustee Can Still Undo It.</title>
		<link>https://getoutofdebt.org/269639/hiding-assets-before-bankruptcy-not-safe</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 04 Sep 2026 18:13:56 +0000</pubDate>
				<category><![CDATA[They Said What?]]></category>
		<category><![CDATA[asset protection]]></category>
		<category><![CDATA[bankruptcy discharge]]></category>
		<category><![CDATA[bankruptcy exemptions]]></category>
		<category><![CDATA[bankruptcy fraud]]></category>
		<category><![CDATA[bankruptcy myths]]></category>
		<category><![CDATA[bankruptcy trustee]]></category>
		<category><![CDATA[chapter 7 bankruptcy]]></category>
		<category><![CDATA[Conceal Asset]]></category>
		<category><![CDATA[estate-planning]]></category>
		<category><![CDATA[fraudulent transfer]]></category>
		<category><![CDATA[homestead exemption]]></category>
		<category><![CDATA[They Said What]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269639</guid>

					<description><![CDATA[Myth: gifting your house before you file keeps it safe. A trustee can undo it, you usually lose your exemption on it, and a Chapter 7 discharge is at risk.]]></description>
		
		
		
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		<item>
		<title>I’m Being Evicted and Debt Collectors Are After Me at the Same Time. Here’s What to Do Right Now.</title>
		<link>https://getoutofdebt.org/269627/eviction-while-in-debt</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 04 Sep 2026 06:37:04 +0000</pubDate>
				<category><![CDATA[Crisis Guide]]></category>
		<category><![CDATA[automatic stay]]></category>
		<category><![CDATA[CFPB]]></category>
		<category><![CDATA[chapter 13 bankruptcy]]></category>
		<category><![CDATA[chapter 7 bankruptcy]]></category>
		<category><![CDATA[consumer rights]]></category>
		<category><![CDATA[crisis guide]]></category>
		<category><![CDATA[debt collectors]]></category>
		<category><![CDATA[eviction]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[financial crisis]]></category>
		<category><![CDATA[housing]]></category>
		<category><![CDATA[landlord tenant]]></category>
		<category><![CDATA[legal aid]]></category>
		<category><![CDATA[Wage Garnishment]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269627</guid>

					<description><![CDATA[Facing eviction while debt collectors call nonstop? Protect your housing first, verify debts before you pay, and know what bankruptcy's stay can and can't do.]]></description>
		
		
		
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		<item>
		<title>Mortgage Rates Just Hit a One-Year High — and the Fed Isn’t Talking About Cuts. Here’s What’s Really Happening to Your Money This Week</title>
		<link>https://getoutofdebt.org/269637/mortgage-rate-one-year-high-fed-not-cutting-september-2026</link>
					<comments>https://getoutofdebt.org/269637/mortgage-rate-one-year-high-fed-not-cutting-september-2026#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 04 Sep 2026 06:37:03 +0000</pubDate>
				<category><![CDATA[Debt Articles]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[In The News]]></category>
		<category><![CDATA[Christopher Waller]]></category>
		<category><![CDATA[Credit Card Rates]]></category>
		<category><![CDATA[Dow Jones]]></category>
		<category><![CDATA[Fed Funds Rate]]></category>
		<category><![CDATA[Fed Rate Hike]]></category>
		<category><![CDATA[federal reserve]]></category>
		<category><![CDATA[FOMC]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[High-Yield Savings Account]]></category>
		<category><![CDATA[Homebuyers]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Kevin Warsh]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[September 2026]]></category>
		<category><![CDATA[Treasury Yields]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269637</guid>

					<description><![CDATA[Mortgage rates hit 6.71% this week, a one-year high, while no Fed policymaker has voted for a cut since April. The real story, and what to do.]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
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	</item>
		<item>
		<title>A City Kept Billing Her After She Filed Bankruptcy. The Judge Said the Software Was No Excuse.</title>
		<link>https://getoutofdebt.org/269591/coburn-city-of-burt-stay-violation</link>
					<comments>https://getoutofdebt.org/269591/coburn-city-of-burt-stay-violation#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Wed, 02 Sep 2026 17:19:15 +0000</pubDate>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[§ 362(k)]]></category>
		<category><![CDATA[adequate assurance]]></category>
		<category><![CDATA[automatic stay]]></category>
		<category><![CDATA[bankruptcy sanctions]]></category>
		<category><![CDATA[chapter 7 bankruptcy]]></category>
		<category><![CDATA[City of Burt]]></category>
		<category><![CDATA[Iowa bankruptcy court]]></category>
		<category><![CDATA[Kelley Coburn]]></category>
		<category><![CDATA[municipal utility]]></category>
		<category><![CDATA[Pro Se Bankruptcy]]></category>
		<category><![CDATA[stay violation]]></category>
		<category><![CDATA[utility bills]]></category>
		<category><![CDATA[willful violation]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269591</guid>

					<description><![CDATA[A judge ruled a city's own billing software is no defense against the bankruptcy stay — but the reason her damages stayed at $1,500 is the real lesson.]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
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	</item>
		<item>
		<title>IRS Penalty Abatement Is a Free Phone Call — Not a Service You Need to Buy</title>
		<link>https://getoutofdebt.org/269586/irs-penalty-abatement-free-phone-call</link>
					<comments>https://getoutofdebt.org/269586/irs-penalty-abatement-free-phone-call#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Wed, 02 Sep 2026 16:19:12 +0000</pubDate>
				<category><![CDATA[Tax Related]]></category>
		<category><![CDATA[Automatic Exemption from Penalty]]></category>
		<category><![CDATA[Failure to File Penalty]]></category>
		<category><![CDATA[Failure to Pay Penalty]]></category>
		<category><![CDATA[First Time Abate]]></category>
		<category><![CDATA[Form 843]]></category>
		<category><![CDATA[irs]]></category>
		<category><![CDATA[IRS Penalties]]></category>
		<category><![CDATA[Penalty Abatement]]></category>
		<category><![CDATA[Reasonable Cause]]></category>
		<category><![CDATA[tax debt]]></category>
		<category><![CDATA[Tax Resolution]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269586</guid>

					<description><![CDATA[IRS penalty abatement erases failure-to-file and failure-to-pay penalties for free — here's how First Time Abate and the new Automatic Exemption work.]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
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	</item>
		<item>
		<title>I Just Got a Notice of Default on My Mortgage. Here’s What to Do Right Now.</title>
		<link>https://getoutofdebt.org/269533/i-just-got-a-notice-of-default-on-my-mortgage-heres-what-to-do-right-now</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Tue, 01 Sep 2026 19:07:18 +0000</pubDate>
				<category><![CDATA[Crisis Guide]]></category>
		<category><![CDATA[automatic stay]]></category>
		<category><![CDATA[avoid foreclosure]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[chapter 13 bankruptcy]]></category>
		<category><![CDATA[crisis guide]]></category>
		<category><![CDATA[deed in lieu of foreclosure]]></category>
		<category><![CDATA[delinquent mortgage]]></category>
		<category><![CDATA[facing foreclosure]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[housing counselor]]></category>
		<category><![CDATA[hud housing counselor]]></category>
		<category><![CDATA[loss mitigation]]></category>
		<category><![CDATA[Mortgage Forbearance]]></category>
		<category><![CDATA[Reinstatement]]></category>
		<category><![CDATA[short sale]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269533</guid>

					<description><![CDATA[A Notice of Default is not foreclosure yet. Federal law limits when your servicer can act — here is the deadline clock and what actually stops it.]]></description>
		
		
		
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	</item>
		<item>
		<title>No, You’re Not Getting $10,000 From the AMN Healthcare Settlement — Here’s Who Actually Is</title>
		<link>https://getoutofdebt.org/269534/amn-healthcare-settlement-10000-claim-myth</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Tue, 01 Sep 2026 18:19:25 +0000</pubDate>
				<category><![CDATA[Consumer Protection]]></category>
		<category><![CDATA[In The News]]></category>
		<category><![CDATA[AMN Healthcare]]></category>
		<category><![CDATA[California Invasion of Privacy Act]]></category>
		<category><![CDATA[CIPA]]></category>
		<category><![CDATA[claim form]]></category>
		<category><![CDATA[class action settlement]]></category>
		<category><![CDATA[consumer protection]]></category>
		<category><![CDATA[debt relief news]]></category>
		<category><![CDATA[Kroll Settlement Administration]]></category>
		<category><![CDATA[settlement misinformation]]></category>
		<category><![CDATA[settlement scam]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269534</guid>

					<description><![CDATA[Claim sites say AMN Healthcare pays 'up to $10,000.' That's the class reps' award, not yours. Here's the real number and the Oct. 27 deadline.]]></description>
		
		
		
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		<item>
		<title>The $117 Million Pork Price-Fixing Settlement — Here’s What Nearly Every Write-Up Gets Wrong</title>
		<link>https://getoutofdebt.org/269542/pork-price-fixing-settlement-117-million-claim-deadline</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Tue, 01 Sep 2026 18:19:25 +0000</pubDate>
				<category><![CDATA[Consumer Protection]]></category>
		<category><![CDATA[In The News]]></category>
		<category><![CDATA[antitrust]]></category>
		<category><![CDATA[antitrust settlement]]></category>
		<category><![CDATA[class action settlement]]></category>
		<category><![CDATA[file a claim]]></category>
		<category><![CDATA[food prices]]></category>
		<category><![CDATA[grocery prices]]></category>
		<category><![CDATA[indirect purchaser]]></category>
		<category><![CDATA[pork settlement]]></category>
		<category><![CDATA[price fixing]]></category>
		<category><![CDATA[settlement claim]]></category>
		<category><![CDATA[Tyson Foods]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269542</guid>

					<description><![CDATA[Five pork producers will pay $117M over price-fixing claims. It's 23 states + DC (not 24), and 3 states have a different start date. Here's who qualifies.]]></description>
		
		
		
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		<item>
		<title>They Said My Cosigner Filing Bankruptcy Would Wipe Out My Half of the Debt Too. It Doesn’t Work That Way.</title>
		<link>https://getoutofdebt.org/269526/cosigner-not-released-by-bankruptcy</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Tue, 01 Sep 2026 18:13:12 +0000</pubDate>
				<category><![CDATA[They Said What?]]></category>
		<category><![CDATA[bankruptcy discharge]]></category>
		<category><![CDATA[bankruptcy myths]]></category>
		<category><![CDATA[chapter 13 bankruptcy]]></category>
		<category><![CDATA[chapter 7 bankruptcy]]></category>
		<category><![CDATA[co-debtor stay]]></category>
		<category><![CDATA[cosigner]]></category>
		<category><![CDATA[cosigner liability]]></category>
		<category><![CDATA[Debt Collection]]></category>
		<category><![CDATA[student loan cosigner]]></category>
		<category><![CDATA[They Said What]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269526</guid>

					<description><![CDATA[A cosigner bankruptcy discharge releases them, not you. Chapter 7 gives zero cosigner protection; Chapter 13 gives only a temporary co-debtor stay.]]></description>
		
		
		
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		<item>
		<title>My Paycheck Is Being Garnished for a Defaulted Student Loan. Here’s What to Do Right Now.</title>
		<link>https://getoutofdebt.org/269494/my-paycheck-is-being-garnished-for-a-defaulted-student-loan-heres-what-to-do-right-now</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Mon, 31 Aug 2026 19:53:33 +0000</pubDate>
				<category><![CDATA[Crisis Guide]]></category>
		<category><![CDATA[administrative wage garnishment]]></category>
		<category><![CDATA[crisis guide]]></category>
		<category><![CDATA[department of education]]></category>
		<category><![CDATA[Direct Consolidation Loan]]></category>
		<category><![CDATA[federal student loan default]]></category>
		<category><![CDATA[federal student loans]]></category>
		<category><![CDATA[Private Student Loan Default]]></category>
		<category><![CDATA[Student Loan Bankruptcy Discharge]]></category>
		<category><![CDATA[student loan default]]></category>
		<category><![CDATA[Student Loan Garnishment]]></category>
		<category><![CDATA[student loan rehabilitation]]></category>
		<category><![CDATA[Treasury Offset Program]]></category>
		<category><![CDATA[Wage Garnishment]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269494</guid>

					<description><![CDATA[A defaulted federal student loan can garnish 15% of your paycheck with no lawsuit. Here's how the notice, hearing, and rehab options actually work.]]></description>
		
		
		
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		<item>
		<title>Your Creditors Aren’t Judging You. They’re Running a Model — So Should You.</title>
		<link>https://getoutofdebt.org/269498/creditors-are-not-judging-you</link>
					<comments>https://getoutofdebt.org/269498/creditors-are-not-judging-you#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Mon, 31 Aug 2026 18:16:14 +0000</pubDate>
				<category><![CDATA[Credit Card Industry]]></category>
		<category><![CDATA[Ask Steve]]></category>
		<category><![CDATA[CFPB]]></category>
		<category><![CDATA[credit card companies]]></category>
		<category><![CDATA[Credit Card Delinquency]]></category>
		<category><![CDATA[Credit Card Hardship]]></category>
		<category><![CDATA[Creditor Negotiation]]></category>
		<category><![CDATA[creditors]]></category>
		<category><![CDATA[Debt Options]]></category>
		<category><![CDATA[financial hardship]]></category>
		<category><![CDATA[hardship program]]></category>
		<category><![CDATA[loss mitigation]]></category>
		<category><![CDATA[Retirement Savings]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269498</guid>

					<description><![CDATA[Called your card company before missing a payment and got told no? Here's the word CFPB's own advice leaves out — and what to ask instead.]]></description>
		
					<wfw:commentRss>https://getoutofdebt.org/269498/creditors-are-not-judging-you/feed</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
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		<item>
		<title>Damon Day Made $565 Driving New Year’s Eve. In 2023, It Was $1,000.</title>
		<link>https://getoutofdebt.org/269489/damon-day-made-565-driving-new-years-eve-2023-was-1000</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Mon, 31 Aug 2026 16:14:40 +0000</pubDate>
				<category><![CDATA[Penny Stupid Project]]></category>
		<category><![CDATA[Side Hustles From Home]]></category>
		<category><![CDATA[Damon Day]]></category>
		<category><![CDATA[extra income]]></category>
		<category><![CDATA[Gig Economy]]></category>
		<category><![CDATA[gig work income]]></category>
		<category><![CDATA[gig work mileage]]></category>
		<category><![CDATA[gig work taxes]]></category>
		<category><![CDATA[gross revenue vs profit]]></category>
		<category><![CDATA[Lyft]]></category>
		<category><![CDATA[rideshare tips]]></category>
		<category><![CDATA[self-employment tax]]></category>
		<category><![CDATA[Side Hustle]]></category>
		<category><![CDATA[Uber]]></category>
		<category><![CDATA[Waymo]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269489</guid>

					<description><![CDATA[Damon Day drove Lyft and Uber on New Year's Eve for $565 — down from $1,000 in 2023. What changed: Waymo, vanishing tips, and the real math of gig work.]]></description>
		
		
		
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		<item>
		<title>I Owe Everyone at Once, and Retirement Isn’t Far Off. Here’s Where to Actually Start.</title>
		<link>https://getoutofdebt.org/269440/i-owe-everyone-at-once-where-to-start</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 28 Aug 2026 20:29:49 +0000</pubDate>
				<category><![CDATA[Debt Articles]]></category>
		<category><![CDATA[401k protection]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[chapter 13 bankruptcy]]></category>
		<category><![CDATA[chapter 7 bankruptcy]]></category>
		<category><![CDATA[debt after divorce]]></category>
		<category><![CDATA[Debt Collection]]></category>
		<category><![CDATA[divorce debt]]></category>
		<category><![CDATA[financial triage]]></category>
		<category><![CDATA[IRS Levy]]></category>
		<category><![CDATA[joint debt]]></category>
		<category><![CDATA[retirement protection]]></category>
		<category><![CDATA[student loan debt]]></category>
		<category><![CDATA[tax debt]]></category>
		<category><![CDATA[Undue Hardship]]></category>
		<category><![CDATA[Wage Garnishment]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269440</guid>

					<description><![CDATA[Taxes, student loans, old collections, and divorce debt at once, with retirement close? Here's the real order of operations, and what bankruptcy can erase.]]></description>
		
		
		
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		<item>
		<title>The IRS Is Taking Money From My Paycheck. Here’s What to Do Right Now.</title>
		<link>https://getoutofdebt.org/269436/the-irs-is-taking-money-from-my-paycheck-heres-what-to-do-right-now</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 28 Aug 2026 20:19:13 +0000</pubDate>
				<category><![CDATA[Crisis Guide]]></category>
		<category><![CDATA[back taxes]]></category>
		<category><![CDATA[bank levy]]></category>
		<category><![CDATA[IRS Installment Agreement]]></category>
		<category><![CDATA[IRS Levy]]></category>
		<category><![CDATA[Tax Debt Relief]]></category>
		<category><![CDATA[Taxpayer Advocate]]></category>
		<category><![CDATA[Taxpayer Advocate Service]]></category>
		<category><![CDATA[Wage Garnishment]]></category>
		<category><![CDATA[wage levy]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269436</guid>

					<description><![CDATA[The IRS levied your wages, and unlike most garnishments it's continuous. Learn the exempt amount, your 30-day appeal deadline, and how bankruptcy can stop it today.]]></description>
		
		
		
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		<item>
		<title>The $17 Million Kroger Pharmacy Settlement Is Open — How to File Your Claim Before December 2026</title>
		<link>https://getoutofdebt.org/269431/the-17-million-kroger-pharmacy-settlement-is-open-how-to-file-your-claim-before-december-2026</link>
					<comments>https://getoutofdebt.org/269431/the-17-million-kroger-pharmacy-settlement-is-open-how-to-file-your-claim-before-december-2026#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 28 Aug 2026 19:41:02 +0000</pubDate>
				<category><![CDATA[In The News]]></category>
		<category><![CDATA[Medical Debt]]></category>
		<category><![CDATA[class action settlement]]></category>
		<category><![CDATA[co-pay overcharge]]></category>
		<category><![CDATA[consumer rights]]></category>
		<category><![CDATA[file a claim]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[kroger]]></category>
		<category><![CDATA[medical debt]]></category>
		<category><![CDATA[pharmacy settlement]]></category>
		<category><![CDATA[Prescription costs]]></category>
		<category><![CDATA[Rx Savings Club]]></category>
		<category><![CDATA[settlement claim]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269431</guid>

					<description><![CDATA[Kroger will pay $17M over pharmacy pricing claims. Paid for a prescription with insurance at Kroger since Dec. 2018? You may qualify — file by Dec. 21, 2026.]]></description>
		
					<wfw:commentRss>https://getoutofdebt.org/269431/the-17-million-kroger-pharmacy-settlement-is-open-how-to-file-your-claim-before-december-2026/feed</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
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		<item>
		<title>They Said a Debt Collector Can Sue Me Wherever They Want. Federal Law Says Otherwise.</title>
		<link>https://getoutofdebt.org/269398/they-said-a-debt-collector-can-sue-me-wherever-they-want-federal-law-says-otherwise</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Thu, 27 Aug 2026 17:17:19 +0000</pubDate>
				<category><![CDATA[They Said What?]]></category>
		<category><![CDATA[15 USC 1692i]]></category>
		<category><![CDATA[consumer rights]]></category>
		<category><![CDATA[Debt Buyer]]></category>
		<category><![CDATA[debt collection venue]]></category>
		<category><![CDATA[Debt Collector Lawsuit]]></category>
		<category><![CDATA[default judgment]]></category>
		<category><![CDATA[fair debt collection practices act]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[Statute of Limitations]]></category>
		<category><![CDATA[sued by a debt collector]]></category>
		<category><![CDATA[They Said What]]></category>
		<category><![CDATA[Wage Garnishment]]></category>
		<category><![CDATA[wrong court]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269398</guid>

					<description><![CDATA[Federal law limits exactly where a debt collector can sue you over a debt. Here's the FDCPA venue rule and what to do if you're sued far from home.]]></description>
		
		
		
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		<item>
		<title>A Sheriff Served Me a Writ of Execution. Here’s What to Do Right Now.</title>
		<link>https://getoutofdebt.org/269391/sheriff-writ-of-execution-what-to-do-right-now</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Thu, 27 Aug 2026 16:53:32 +0000</pubDate>
				<category><![CDATA[Crisis Guide]]></category>
		<category><![CDATA[automatic stay]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[bankruptcy exemptions]]></category>
		<category><![CDATA[county court judgment]]></category>
		<category><![CDATA[crisis guide]]></category>
		<category><![CDATA[debt crisis]]></category>
		<category><![CDATA[household goods exemption]]></category>
		<category><![CDATA[judgment]]></category>
		<category><![CDATA[judgment creditor]]></category>
		<category><![CDATA[judgment proof]]></category>
		<category><![CDATA[legal aid]]></category>
		<category><![CDATA[sheriff]]></category>
		<category><![CDATA[state exemption laws]]></category>
		<category><![CDATA[vehicle exemption]]></category>
		<category><![CDATA[write of execution]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269391</guid>

					<description><![CDATA[A sheriff served me a writ of execution. Here's what it means, what property is exempt, your filing deadline, and how bankruptcy can stop it fast.]]></description>
		
		
		
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		<item>
		<title>TransUnion Just Confirmed What I Saw Inside Credit Counseling: Debt Settlement Can Hurt Your Score Worse Than Bankruptcy</title>
		<link>https://getoutofdebt.org/269395/transunion-debt-settlement-credit-score-decline</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Thu, 27 Aug 2026 16:49:52 +0000</pubDate>
				<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Debt Settlement]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[chapter 7]]></category>
		<category><![CDATA[consumer debt]]></category>
		<category><![CDATA[consumer protection]]></category>
		<category><![CDATA[credit bureau]]></category>
		<category><![CDATA[credit myths]]></category>
		<category><![CDATA[Credit Report]]></category>
		<category><![CDATA[debt settlement fees]]></category>
		<category><![CDATA[debt settlement vs bankruptcy]]></category>
		<category><![CDATA[transunion]]></category>
		<category><![CDATA[VantageScore]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269395</guid>

					<description><![CDATA[TransUnion found settlement enrollees who were still current when they enrolled fell 96 points, 645 to 549, measured six months before to six months after. Here's what it leaves out.]]></description>
		
		
		
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		<item>
		<title>Meta Will Pay at Least $12.1 Billion Over Kids’ Social Media Safety — Don’t Expect a Check</title>
		<link>https://getoutofdebt.org/269358/meta-child-safety-settlement-no-claim-form-announced</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Wed, 26 Aug 2026 16:43:23 +0000</pubDate>
				<category><![CDATA[Consumer Protection]]></category>
		<category><![CDATA[In The News]]></category>
		<category><![CDATA[child safety settlement]]></category>
		<category><![CDATA[class action settlement]]></category>
		<category><![CDATA[consumer protection]]></category>
		<category><![CDATA[facebook]]></category>
		<category><![CDATA[Instagram]]></category>
		<category><![CDATA[kids-and-money]]></category>
		<category><![CDATA[Meta]]></category>
		<category><![CDATA[Multistate Settlement]]></category>
		<category><![CDATA[parental controls]]></category>
		<category><![CDATA[screen time limits]]></category>
		<category><![CDATA[social media addiction]]></category>
		<category><![CDATA[state attorney general]]></category>
		<category><![CDATA[teen mental health]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269358</guid>

					<description><![CDATA[Meta will pay at least $12.1 billion to settle child-safety claims over Instagram and Facebook. The money goes to states, and no claim form has been announced.]]></description>
		
		
		
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		<item>
		<title>Connecticut Just Ordered CDS Financial to Cease and Desist — I Flagged This Same Operation Seven Years Ago</title>
		<link>https://getoutofdebt.org/269354/cds-financial-connecticut-cease-and-desist-order</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Wed, 26 Aug 2026 16:17:52 +0000</pubDate>
				<category><![CDATA[Consumer Protection]]></category>
		<category><![CDATA[Debt Relief Company Sued or Sanctioned]]></category>
		<category><![CDATA[2nd Chance Solutions]]></category>
		<category><![CDATA[CDS Financial]]></category>
		<category><![CDATA[cease and desist]]></category>
		<category><![CDATA[Clarity Debt Solutions]]></category>
		<category><![CDATA[Connecticut Department of Banking]]></category>
		<category><![CDATA[consumer protection]]></category>
		<category><![CDATA[David Lugo]]></category>
		<category><![CDATA[debt relief scam]]></category>
		<category><![CDATA[Debt Settlement]]></category>
		<category><![CDATA[debt-negotiation]]></category>
		<category><![CDATA[enforcement action]]></category>
		<category><![CDATA[Kevin Lugo]]></category>
		<category><![CDATA[LifeBridge Servicing]]></category>
		<category><![CDATA[NMLS]]></category>
		<category><![CDATA[restitution]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269354</guid>

					<description><![CDATA[Connecticut ordered CDS Financial, David Lugo, and Kevin Lugo to cease and desist and pay restitution. I flagged the same address and manager back in 2019.]]></description>
		
		
		
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		<item>
		<title>Should I Pay Student Loans With a Credit Card?</title>
		<link>https://getoutofdebt.org/269360/should-i-pay-student-loans-with-a-credit-card</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Wed, 26 Aug 2026 15:15:33 +0000</pubDate>
				<category><![CDATA[Crisis Guide]]></category>
		<category><![CDATA[cash advance]]></category>
		<category><![CDATA[credit card interest rate]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[crisis guide]]></category>
		<category><![CDATA[federal student loans]]></category>
		<category><![CDATA[forbearance]]></category>
		<category><![CDATA[income-driven repayment]]></category>
		<category><![CDATA[Private Student Loans]]></category>
		<category><![CDATA[PSLF]]></category>
		<category><![CDATA[Repayment Assistance Plan]]></category>
		<category><![CDATA[Student Loan Bankruptcy Discharge]]></category>
		<category><![CDATA[student loan default]]></category>
		<category><![CDATA[Student Loan Repayment]]></category>
		<category><![CDATA[Undue Hardship]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269360</guid>

					<description><![CDATA[Putting a student loan on a credit card trades income-driven payments, forgiveness, and death/disability discharge for an unprotected 22%+ balance.]]></description>
		
		
		
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		<title>New Mexico Is Erasing Pandemic Unemployment Overpayments for Nearly 30,000 People — But Only If You Ask</title>
		<link>https://getoutofdebt.org/269290/new-mexico-pandemic-unemployment-overpayment-forgiveness-deadline</link>
					<comments>https://getoutofdebt.org/269290/new-mexico-pandemic-unemployment-overpayment-forgiveness-deadline#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Tue, 25 Aug 2026 14:07:20 +0000</pubDate>
				<category><![CDATA[Crisis Guide]]></category>
		<category><![CDATA[class action settlement]]></category>
		<category><![CDATA[Duran v. New Mexico Department of Workforce Solutions]]></category>
		<category><![CDATA[New Mexico]]></category>
		<category><![CDATA[New Mexico Department of Workforce Solutions]]></category>
		<category><![CDATA[Pandemic Unemployment Assistance]]></category>
		<category><![CDATA[unemployment benefits]]></category>
		<category><![CDATA[unemployment overpayment]]></category>
		<category><![CDATA[Wage Garnishment]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269290</guid>

					<description><![CDATA[New Mexico will forgive pandemic-era unemployment overpayments — but only if you apply. Here's the deadline, how to apply, and who's excluded.]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
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		<item>
		<title>Your Mortgage Approval Isn’t Proof You Can Afford It. Here’s the Federal Law Almost Nobody Knows About.</title>
		<link>https://getoutofdebt.org/269296/ability-to-repay-rule-mortgage-lender-verification</link>
					<comments>https://getoutofdebt.org/269296/ability-to-repay-rule-mortgage-lender-verification#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Tue, 25 Aug 2026 14:02:13 +0000</pubDate>
				<category><![CDATA[Consumer Protection]]></category>
		<category><![CDATA[Ability to Repay Rule]]></category>
		<category><![CDATA[Bankruptcy Alternatives]]></category>
		<category><![CDATA[Consumer Financial Protection bureau]]></category>
		<category><![CDATA[Consumer Protection Law]]></category>
		<category><![CDATA[Dodd-Frank Act]]></category>
		<category><![CDATA[Foreclosure Defense]]></category>
		<category><![CDATA[Loan Verification]]></category>
		<category><![CDATA[Mortgage Foreclosure]]></category>
		<category><![CDATA[Mortgage Lending]]></category>
		<category><![CDATA[Mortgage Underwriting]]></category>
		<category><![CDATA[Recoupment]]></category>
		<category><![CDATA[regulation z]]></category>
		<category><![CDATA[TILA]]></category>
		<category><![CDATA[truth in lending act]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269296</guid>

					<description><![CDATA[A lender approving your mortgage doesn't mean you can afford it. I checked the federal law that's supposed to protect you — and for most ordinary mortgages, it protects you far less than you'd think.]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
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		<item>
		<title>They Said Zero Income Means a Zero Student Loan Payment. Under RAP, You Still Owe $10 a Month.</title>
		<link>https://getoutofdebt.org/269184/they-said-zero-income-means-a-zero-student-loan-payment-under-rap-you-still-owe-10-a-month</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 21 Aug 2026 16:03:40 +0000</pubDate>
				<category><![CDATA[They Said What?]]></category>
		<category><![CDATA[federal student loans]]></category>
		<category><![CDATA[IBR]]></category>
		<category><![CDATA[income-driven repayment]]></category>
		<category><![CDATA[RAP]]></category>
		<category><![CDATA[Repayment Assistance Plan]]></category>
		<category><![CDATA[SAVE plan]]></category>
		<category><![CDATA[student loan myths]]></category>
		<category><![CDATA[student loan repayment 2026]]></category>
		<category><![CDATA[student loans]]></category>
		<category><![CDATA[They Said What]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269184</guid>

					<description><![CDATA[Zero income does not mean a $0 student loan payment under RAP. The law sets a $10 monthly minimum, no exemption -- here is what still lets you pay $0.]]></description>
		
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/08/rap-zero-income-ten-dollar-minimum-featured-750x500.png" width="750"/>
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		<item>
		<title>Can I Get a Title Loan While in Chapter 13?</title>
		<link>https://getoutofdebt.org/269188/title-loan-during-chapter-13</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 21 Aug 2026 16:03:40 +0000</pubDate>
				<category><![CDATA[Crisis Guide]]></category>
		<category><![CDATA[automatic stay]]></category>
		<category><![CDATA[bankruptcy discharge]]></category>
		<category><![CDATA[bankruptcy trustee]]></category>
		<category><![CDATA[car title loan]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[chapter 13 bankruptcy]]></category>
		<category><![CDATA[crisis guide]]></category>
		<category><![CDATA[Predatory lending]]></category>
		<category><![CDATA[Repossession]]></category>
		<category><![CDATA[Secured Debt]]></category>
		<category><![CDATA[title loan]]></category>
		<category><![CDATA[vehicle repossession]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269188</guid>

					<description><![CDATA[Taking a title loan while your Chapter 13 is active usually needs trustee permission first - and the car you'd pledge may be the plan's own protected asset.]]></description>
		
		
		
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	</item>
		<item>
		<title>Bankruptcy Isn’t Failure — It’s a Financial Tool</title>
		<link>https://getoutofdebt.org/269622/bankruptcy-isnt-failure-its-a-financial-tool</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Thu, 20 Aug 2026 23:58:29 +0000</pubDate>
				<category><![CDATA[Get Out of Debt Guy Podcast]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[bankruptcy myths]]></category>
		<category><![CDATA[bankruptcy Stigma]]></category>
		<category><![CDATA[chapter 7 bankruptcy]]></category>
		<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Damon Day]]></category>
		<category><![CDATA[debt relief]]></category>
		<category><![CDATA[financial recovery]]></category>
		<category><![CDATA[getting out of debt]]></category>
		<category><![CDATA[life after bankruptcy]]></category>
		<category><![CDATA[Podcast]]></category>
		<category><![CDATA[rebuilding credit]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/269622/bankruptcy-isnt-failure-its-a-financial-tool</guid>

					<description><![CDATA[Damon Day and I break down why bankruptcy fear is mostly a myth — and what actually happened to our credit and our lives after we each filed.]]></description>
		
		
		
				<media:content height="750" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2025/12/GOOD-Podcast-1000-750x750.jpg" width="750"/>
		<media:thumbnail height="750" url="https://getoutofdebt.org/wp-content/uploads/2025/12/GOOD-Podcast-1000-750x750.jpg" width="750"/>
	</item>
		<item>
		<title>The FTC Just Settled With Doxo for $2.1 Million — Pull Your Last 12 Months of Bill Payments and Look for These Fees</title>
		<link>https://getoutofdebt.org/269085/doxo-ftc-settlement-2-1-million-check-bill-payments</link>
					<comments>https://getoutofdebt.org/269085/doxo-ftc-settlement-2-1-million-check-bill-payments#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Tue, 18 Aug 2026 20:56:03 +0000</pubDate>
				<category><![CDATA[Consumer Protection]]></category>
		<category><![CDATA[In The News]]></category>
		<category><![CDATA[bill payment]]></category>
		<category><![CDATA[consumer protection]]></category>
		<category><![CDATA[credit report errors]]></category>
		<category><![CDATA[Doxo]]></category>
		<category><![CDATA[ftc]]></category>
		<category><![CDATA[FTC settlement]]></category>
		<category><![CDATA[late fees]]></category>
		<category><![CDATA[Roger Parks]]></category>
		<category><![CDATA[ROSCA]]></category>
		<category><![CDATA[search ads scam]]></category>
		<category><![CDATA[Steve Shivers]]></category>
		<category><![CDATA[utility bills]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269085</guid>

					<description><![CDATA[Doxo's FTC settlement pays $2.1 million in redress — but the real money is the late fees a bill-pay delay caused you. Here's how to check.]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
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	</item>
		<item>
		<title>What Bank of America Just Told the SEC About Its Money-Laundering Consent Order</title>
		<link>https://getoutofdebt.org/269094/bac-sec-filing-aml-consent-order-money-laundering</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Tue, 18 Aug 2026 19:01:13 +0000</pubDate>
				<category><![CDATA[What They Told Wall Street]]></category>
		<category><![CDATA[10-Q]]></category>
		<category><![CDATA[anti-money laundering]]></category>
		<category><![CDATA[Bank of America]]></category>
		<category><![CDATA[bank regulation]]></category>
		<category><![CDATA[banking compliance]]></category>
		<category><![CDATA[BSA/AML]]></category>
		<category><![CDATA[OCC consent order]]></category>
		<category><![CDATA[SEC filing]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269094</guid>

					<description><![CDATA[In February, Bank of America told the SEC this compliance matter would not be "material." In July, it said resolution may include monetary penalties.]]></description>
		
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/08/bac-sec-filing-aml-consent-order-featured-750x500.jpg" width="750"/>
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