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	<title>Get Out of Debt Guy</title>
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	<title>Get Out of Debt Guy – Steve Rhode</title>
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		<title>Queens Just Had More Foreclosures Than Every Other NYC Borough Combined. Here’s What That Actually Means.</title>
		<link>https://getoutofdebt.org/248056/queens-foreclosures-q1-2026-warning-sign-april-2026</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Thu, 16 Apr 2026 16:32:24 +0000</pubDate>
				<category><![CDATA[Housing]]></category>
		<category><![CDATA[30-year mortgage]]></category>
		<category><![CDATA[adjustable rate mortgage]]></category>
		<category><![CDATA[avoid foreclosure]]></category>
		<category><![CDATA[avoiding foreclosure]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[chapter 13 bankruptcy]]></category>
		<category><![CDATA[facing foreclosure]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[home equity]]></category>
		<category><![CDATA[housing]]></category>
		<category><![CDATA[hud]]></category>
		<category><![CDATA[hud housing counselor]]></category>
		<category><![CDATA[loss mitigation]]></category>
		<category><![CDATA[new york]]></category>
		<category><![CDATA[New York City]]></category>
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					<description><![CDATA[Queens had 167 foreclosures in Q1 2026 — more than Brooklyn, the Bronx, Manhattan, and Staten Island combined. What that number means for every middle-class homeowner.]]></description>
		
		
		
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		<item>
		<title>Crunchyroll Just Leaked 6.8 Million Users’ Data. The Real Damage Hasn’t Started Yet — Here’s What to Do Before It Does.</title>
		<link>https://getoutofdebt.org/248054/crunchyroll-just-leaked-6-8-million-users-data-the-real-damage-hasnt-started-yet-heres-what-to-do-before-it-does</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Thu, 16 Apr 2026 16:32:21 +0000</pubDate>
				<category><![CDATA[Fraud]]></category>
		<category><![CDATA[anti-phishing software]]></category>
		<category><![CDATA[CCPA]]></category>
		<category><![CDATA[Class Action]]></category>
		<category><![CDATA[class action claim]]></category>
		<category><![CDATA[Credit Freeze]]></category>
		<category><![CDATA[cybersecurity]]></category>
		<category><![CDATA[Data Breach]]></category>
		<category><![CDATA[identity theft]]></category>
		<category><![CDATA[PayPal phishing]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=248054</guid>

					<description><![CDATA[6.8M Crunchyroll users had their names, emails, and support history exposed. The phishing wave hits in 60-90 days. Here's how to get ahead of it.]]></description>
		
		
		
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		<item>
		<title>Maine Just Changed the Medical Debt Rules. Don’t Pay That Hospital Bill With a Credit Card.</title>
		<link>https://getoutofdebt.org/248052/maine-just-changed-the-medical-debt-rules-dont-pay-that-hospital-bill-with-a-credit-card</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Thu, 16 Apr 2026 16:32:18 +0000</pubDate>
				<category><![CDATA[Debt Collection]]></category>
		<category><![CDATA[Medical Debt]]></category>
		<category><![CDATA[Abusive Debt Collection]]></category>
		<category><![CDATA[CareCredit]]></category>
		<category><![CDATA[CFPB medical debt credit reports]]></category>
		<category><![CDATA[charity care]]></category>
		<category><![CDATA[debt validation rights]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[fight hospital bill]]></category>
		<category><![CDATA[Hospital Debt]]></category>
		<category><![CDATA[Hospital Debt Collection]]></category>
		<category><![CDATA[itemized bill]]></category>
		<category><![CDATA[maine]]></category>
		<category><![CDATA[Predatory lending]]></category>
		<category><![CDATA[Wage Garnishment]]></category>
		<category><![CDATA[wage garnishment laws 2026]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=248052</guid>

					<description><![CDATA[Maine just banned wage garnishment and home liens on medical debt. But paying with a credit card strips every one of those protections. Here's what to do instead.]]></description>
		
		
		
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		<item>
		<title>TurboTax Just Got Sued for Overcharging Soldiers. If You’re Active Duty and Took a Refund Advance, Save Your Paperwork.</title>
		<link>https://getoutofdebt.org/248050/turbotax-just-got-sued-for-overcharging-soldiers-if-youre-active-duty-and-took-a-refund-advance-save-your-paperwork</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Thu, 16 Apr 2026 16:32:16 +0000</pubDate>
				<category><![CDATA[Military]]></category>
		<category><![CDATA[Tax Related]]></category>
		<category><![CDATA[active duty]]></category>
		<category><![CDATA[CFPB veterans consumer protection]]></category>
		<category><![CDATA[Class Action]]></category>
		<category><![CDATA[Credit Karma]]></category>
		<category><![CDATA[Intuit]]></category>
		<category><![CDATA[Military Debt]]></category>
		<category><![CDATA[Military Lending Act]]></category>
		<category><![CDATA[Predatory lending]]></category>
		<category><![CDATA[Servicemember]]></category>
		<category><![CDATA[tax refund]]></category>
		<category><![CDATA[tax refund 2026]]></category>
		<category><![CDATA[Veteran Debt Assistance]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=248050</guid>

					<description><![CDATA[A new class action alleges TurboTax refund advance loans blew past the Military Lending Act 36% cap. What active-duty service members need to do right now.]]></description>
		
		
		
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		<title>Washington State Just Forced a Collection Agency to Erase $1.5M in Medical Debt. Here’s What That Tells You About Your Own Bill.</title>
		<link>https://getoutofdebt.org/248048/washington-state-just-forced-a-collection-agency-to-erase-1-5m-in-medical-debt-heres-what-that-tells-you-about-your-own-bill</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Thu, 16 Apr 2026 16:32:14 +0000</pubDate>
				<category><![CDATA[Debt Collection]]></category>
		<category><![CDATA[Medical Debt]]></category>
		<category><![CDATA[Abusive Debt Collection]]></category>
		<category><![CDATA[CFPB medical debt credit reports]]></category>
		<category><![CDATA[collection letter]]></category>
		<category><![CDATA[Debt Dispute]]></category>
		<category><![CDATA[debt validation rights]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[federal vs state medical debt laws]]></category>
		<category><![CDATA[Hospital Debt]]></category>
		<category><![CDATA[Hospital Debt Collection]]></category>
		<category><![CDATA[itemized bill]]></category>
		<category><![CDATA[misleading collection letter]]></category>
		<category><![CDATA[Regulation F]]></category>
		<category><![CDATA[state attorney general]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=248048</guid>

					<description><![CDATA[Washington's AG just proved collectors can be forced to erase medical debt when they skip the notice rules. What that means for your collection letter.]]></description>
		
		
		
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		<media:thumbnail height="429" url="https://getoutofdebt.org/wp-content/uploads/2026/04/washington-renton-medical-debt-2026-750x429.jpg" width="750"/>
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		<item>
		<title>Bankruptcy Filings Just Spiked 14%. Here’s Why That’s Not the Scary News You Think It Is.</title>
		<link>https://getoutofdebt.org/248026/bankruptcy-filings-spike-q1-2026</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Wed, 15 Apr 2026 17:31:31 +0000</pubDate>
				<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[bankruptcy credit score]]></category>
		<category><![CDATA[bankruptcy fresh start]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[chapter 13 bankruptcy]]></category>
		<category><![CDATA[chapter 7]]></category>
		<category><![CDATA[chapter 7 bankruptcy]]></category>
		<category><![CDATA[homestead exemption]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=248026</guid>

					<description><![CDATA[Rising bankruptcy filings mean people are getting help, not failing. After filing myself in 1990, here's what the headlines won't tell you.]]></description>
		
		
		
			</item>
		<item>
		<title>Tariffs Are Hitting Your Grocery Bill Right Now. Here’s What Nobody’s Telling You.</title>
		<link>https://getoutofdebt.org/248025/tariffs-grocery-bill-april-2026</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Wed, 15 Apr 2026 17:31:28 +0000</pubDate>
				<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[China tariffs]]></category>
		<category><![CDATA[consumer prices]]></category>
		<category><![CDATA[grocery prices]]></category>
		<category><![CDATA[Inflation]]></category>
		<category><![CDATA[tariffs]]></category>
		<category><![CDATA[Trump tariffs]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=248025</guid>

					<description><![CDATA[The Federal Reserve confirmed inflation would be at pre-pandemic levels without tariffs. Here's what that means for your grocery bill and what to do about it.]]></description>
		
		
		
			</item>
		<item>
		<title>Three Settlements Dropped This Week. Here’s How to Check If You’re Owed Money.</title>
		<link>https://getoutofdebt.org/248024/class-action-settlements-this-week-april-2026</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Wed, 15 Apr 2026 17:31:26 +0000</pubDate>
				<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[amazon]]></category>
		<category><![CDATA[Class Action]]></category>
		<category><![CDATA[class action claim]]></category>
		<category><![CDATA[class action lawsuit]]></category>
		<category><![CDATA[class action settlement]]></category>
		<category><![CDATA[wage theft]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=248024</guid>

					<description><![CDATA[Amazon, PHH Mortgage, and Walmart settlements are paying out. Deadlines are approaching and most people in the class have no idea.]]></description>
		
		
		
			</item>
		<item>
		<title>Gas Prices Just Spiked. Here’s What Happens to Your Debt Next.</title>
		<link>https://getoutofdebt.org/248021/gas-prices-debt-what-happens-next</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Wed, 15 Apr 2026 17:31:21 +0000</pubDate>
				<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[2025 economic relief program for credit card debt]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[consumer prices]]></category>
		<category><![CDATA[cost of living]]></category>
		<category><![CDATA[Electric Vehicle]]></category>
		<category><![CDATA[gas prices]]></category>
		<category><![CDATA[Inflation]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=248021</guid>

					<description><![CDATA[Gas price spikes create $2,000+ in credit card debt over 6 months. After 5 fuel cycles in 30 years, here's what I'd tell my own family tonight.]]></description>
		
		
		
			</item>
		<item>
		<title>Merchant Cash Advances: The Research and Data the Industry Doesn’t Show You</title>
		<link>https://getoutofdebt.org/247949/merchant-cash-advance-guide</link>
					<comments>https://getoutofdebt.org/247949/merchant-cash-advance-guide#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Tue, 14 Apr 2026 11:29:52 +0000</pubDate>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Business Debts]]></category>
		<category><![CDATA[Consumer Protection]]></category>
		<category><![CDATA[Merchant Cash Advance]]></category>
		<category><![CDATA[predatory contracts]]></category>
		<category><![CDATA[small business]]></category>
		<category><![CDATA[small business bankruptcy]]></category>
		<category><![CDATA[Small Business Credit]]></category>
		<category><![CDATA[small business debt]]></category>
		<category><![CDATA[Subchapter V bankruptcy]]></category>
		<category><![CDATA[usury]]></category>
		<category><![CDATA[usury laws]]></category>
		<category><![CDATA[Yellowstone Capital]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=247949</guid>

					<description><![CDATA[Complete research hub on merchant cash advances: how they work, what they cost (70-350%+ APR), the regulatory gap, enforcement actions, and your options. Federal Reserve data and court records.]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
			</item>
		<item>
		<title>Merchant Cash Advances Exposed: What Factor Rates, Brokers, and the Fine Print Are Really Costing Small Businesses</title>
		<link>https://getoutofdebt.org/247947/merchant-cash-advance-explained</link>
					<comments>https://getoutofdebt.org/247947/merchant-cash-advance-explained#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Tue, 14 Apr 2026 11:25:15 +0000</pubDate>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Business Debts]]></category>
		<category><![CDATA[Consumer Protection]]></category>
		<category><![CDATA[Merchant Cash Advance]]></category>
		<category><![CDATA[predatory contracts]]></category>
		<category><![CDATA[predatory debt collection]]></category>
		<category><![CDATA[small business]]></category>
		<category><![CDATA[Small Business Credit]]></category>
		<category><![CDATA[small business debt]]></category>
		<category><![CDATA[Subchapter V bankruptcy]]></category>
		<category><![CDATA[usury]]></category>
		<category><![CDATA[usury laws]]></category>
		<category><![CDATA[Yellowstone Capital]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=247947</guid>

					<description><![CDATA[Merchant cash advances charge 70-350% effective APR hidden behind factor rates. Federal Reserve data, NY AG enforcement records, and court rulings reveal what the industry conceals.]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
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		<item>
		<title>Business Debt Collection: How It’s Different From Consumer Debt (And Why That Matters)</title>
		<link>https://getoutofdebt.org/247863/business-debt-collection-different-from-consumer-debt</link>
					<comments>https://getoutofdebt.org/247863/business-debt-collection-different-from-consumer-debt#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Mon, 13 Apr 2026 15:26:47 +0000</pubDate>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[business bankruptcy]]></category>
		<category><![CDATA[Business Debt]]></category>
		<category><![CDATA[California SB 1286]]></category>
		<category><![CDATA[Corporate Veil]]></category>
		<category><![CDATA[Debt Collection]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[LLC]]></category>
		<category><![CDATA[Merchant Cash Advance]]></category>
		<category><![CDATA[Personal Guarantee]]></category>
		<category><![CDATA[small business]]></category>
		<category><![CDATA[Subchapter V]]></category>
		<category><![CDATA[TCPA]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=247863</guid>

					<description><![CDATA[Business debt collection follows different rules than consumer debt. The FDCPA doesn't protect most business debts — here's what laws do apply and how to protect yourself.]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
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		<item>
		<title>What Is a Confession of Judgment? The MCA Clause That Lets Lenders Skip the Courtroom</title>
		<link>https://getoutofdebt.org/247864/confession-of-judgment-merchant-cash-advance</link>
					<comments>https://getoutofdebt.org/247864/confession-of-judgment-merchant-cash-advance#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Mon, 13 Apr 2026 15:26:42 +0000</pubDate>
				<category><![CDATA[Bankruptcy Information]]></category>
		<category><![CDATA[Business Debts]]></category>
		<category><![CDATA[Consumer Protection]]></category>
		<category><![CDATA[bank account freeze]]></category>
		<category><![CDATA[business bankruptcy]]></category>
		<category><![CDATA[cognovit note]]></category>
		<category><![CDATA[confession of judgment]]></category>
		<category><![CDATA[ftc]]></category>
		<category><![CDATA[MCA]]></category>
		<category><![CDATA[Merchant Cash Advance]]></category>
		<category><![CDATA[new york attorney general]]></category>
		<category><![CDATA[Predatory lending]]></category>
		<category><![CDATA[small business debt]]></category>
		<category><![CDATA[Yellowstone Capital]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=247864</guid>

					<description><![CDATA[Confession of judgment clauses in MCA contracts let lenders freeze your accounts without a hearing. Here's what they are, which states ban them, and how to fight back.]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
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		<item>
		<title>DOJ Settles $68 Million Predatory Lending Case Against Colony Ridge — Victims Get Nothing</title>
		<link>https://getoutofdebt.org/247608/doj-settles-68-million-predatory-lending-case-against-colony-ridge-victims-get-nothing</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 10 Apr 2026 18:35:21 +0000</pubDate>
				<category><![CDATA[Bankruptcy Information]]></category>
		<category><![CDATA[doj]]></category>
		<category><![CDATA[hud]]></category>
		<category><![CDATA[Predatory lending]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=247608</guid>

					<description><![CDATA[Colony Ridge preyed on Hispanic homebuyers with high-interest seller financing. The $68M DOJ settlement sends zero dollars to victims]]></description>
		
		
		
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		<item>
		<title>Chicago Man Gets 27 Months for Scam Targeting Active-Duty Troops Through Social Media</title>
		<link>https://getoutofdebt.org/247607/chicago-man-gets-27-months-for-scam-targeting-active-duty-troops-through-social-media</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 10 Apr 2026 18:35:19 +0000</pubDate>
				<category><![CDATA[Bankruptcy Information]]></category>
		<category><![CDATA[Active Duty Military]]></category>
		<category><![CDATA[doj]]></category>
		<category><![CDATA[scra]]></category>
		<category><![CDATA[wire fraud]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=247607</guid>

					<description><![CDATA[Scammers posed as senior military officials on social media and stole $165K from newly enlisted troops. The red flags and your federal protections]]></description>
		
		
		
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		<item>
		<title>Alaska AG Hits Car Dealer With $800K Settlement Over Bait-and-Switch Advertising</title>
		<link>https://getoutofdebt.org/247606/alaska-ag-hits-car-dealer-with-800k-settlement-over-bait-and-switch-advertising</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 10 Apr 2026 18:35:16 +0000</pubDate>
				<category><![CDATA[Bankruptcy Information]]></category>
		<category><![CDATA[alaska]]></category>
		<category><![CDATA[Auto Dealer]]></category>
		<category><![CDATA[auto dealer fraud]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=247606</guid>

					<description><![CDATA[Swickard Anchorage dealerships settle for $800K over bait-and-switch pricing and mandatory add-ons. How to protect yourself at any dealership]]></description>
		
		
		
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		<media:thumbnail height="429" url="https://getoutofdebt.org/wp-content/uploads/2026/04/car-dealership-lot-bait-switch-750x429.jpg" width="750"/>
	</item>
		<item>
		<title>Two More COVID Relief Fraud Cases Hit Federal Court — What Legitimate EIDL Borrowers Need to Know</title>
		<link>https://getoutofdebt.org/247605/two-more-covid-relief-fraud-cases-hit-federal-court-what-legitimate-eidl-borrowers-need-to-know</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 10 Apr 2026 18:35:14 +0000</pubDate>
				<category><![CDATA[Bankruptcy Information]]></category>
		<category><![CDATA[Business Debts]]></category>
		<category><![CDATA[bankruptcy for small business]]></category>
		<category><![CDATA[COVID]]></category>
		<category><![CDATA[COVID EIDL loan]]></category>
		<category><![CDATA[doj]]></category>
		<category><![CDATA[EIDL]]></category>
		<category><![CDATA[small business]]></category>
		<category><![CDATA[wire fraud]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=247605</guid>

					<description><![CDATA[DOJ is still prosecuting EIDL fraud in 2026. If you took a legitimate EIDL loan and can't repay, that's different — here are your real options]]></description>
		
		
		
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		<media:thumbnail height="429" url="https://getoutofdebt.org/wp-content/uploads/2026/04/federal-courthouse-covid-fraud-750x429.jpg" width="750"/>
	</item>
		<item>
		<title>Navient $120 Million Student Loan Settlement: Checks Are Going Out Now</title>
		<link>https://getoutofdebt.org/247604/navient-120-million-student-loan-settlement-checks-are-going-out-now</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 10 Apr 2026 18:35:12 +0000</pubDate>
				<category><![CDATA[Bankruptcy Information]]></category>
		<category><![CDATA[1031-4C Student Loan Forgiveness]]></category>
		<category><![CDATA[CFPB]]></category>
		<category><![CDATA[Income Driven Repayment]]></category>
		<category><![CDATA[Navient]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=247604</guid>

					<description><![CDATA[Navient settlement checks are arriving now — $100 to $2,000 per borrower, no claim form needed. Here's who qualifies and what to watch for]]></description>
		
		
		
				<media:content height="429" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/04/navient-settlement-check-mailbox-750x429.jpg" width="750"/>
		<media:thumbnail height="429" url="https://getoutofdebt.org/wp-content/uploads/2026/04/navient-settlement-check-mailbox-750x429.jpg" width="750"/>
	</item>
		<item>
		<title>What Happens If You Default on a Merchant Cash Advance (From Someone Who Has Seen This Before)</title>
		<link>https://getoutofdebt.org/247597/what-happens-if-you-default-on-a-merchant-cash-advance-from-someone-who-has-seen-this-before</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 10 Apr 2026 18:35:10 +0000</pubDate>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Business Debts]]></category>
		<category><![CDATA[Abusive Debt Collection]]></category>
		<category><![CDATA[bankruptcy for small business]]></category>
		<category><![CDATA[business debt relief]]></category>
		<category><![CDATA[business debts]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[FDCPA violation]]></category>
		<category><![CDATA[FDCPA violations]]></category>
		<category><![CDATA[Merchant Cash Advance]]></category>
		<category><![CDATA[RFDCPA]]></category>
		<category><![CDATA[small business]]></category>
		<category><![CDATA[small business bankruptcy]]></category>
		<category><![CDATA[small business debt]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=247597</guid>

					<description><![CDATA[What happens after MCA default changes everything: UCC liens, frozen accounts, personal guarantees — and why courts are now ruling in your favor]]></description>
		
		
		
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		<media:thumbnail height="429" url="https://getoutofdebt.org/wp-content/uploads/2026/04/merchant-cash-advance-closed-storefront-750x429.jpg" width="750"/>
	</item>
		<item>
		<title>How Long Does Bankruptcy Stay on Your Record? What I Learned Filing in 1990</title>
		<link>https://getoutofdebt.org/247590/how-long-does-bankruptcy-stay-on-your-record</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 10 Apr 2026 18:35:05 +0000</pubDate>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[afford to file bankruptcy]]></category>
		<category><![CDATA[Afraid to File Bankruptcy]]></category>
		<category><![CDATA[Ashamed to File Bankruptcy]]></category>
		<category><![CDATA[bankruptcy credit rebuild]]></category>
		<category><![CDATA[bankruptcy credit score]]></category>
		<category><![CDATA[bankruptcy discharge]]></category>
		<category><![CDATA[Bankruptcy Discharged]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[chapter 13 bankruptcy]]></category>
		<category><![CDATA[chapter 13 bankruptcy payment]]></category>
		<category><![CDATA[chapter 7]]></category>
		<category><![CDATA[chapter 7 bankruptcy]]></category>
		<category><![CDATA[chapter 7 bankruptcy discharge]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=247590</guid>

					<description><![CDATA[Chapter 7 stays 10 years, Chapter 13 stays 7. But Federal Reserve research shows filers recover faster than those who don't file. Here's the real timeline from someone who's been through it.]]></description>
		
		
		
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		<media:thumbnail height="429" url="https://getoutofdebt.org/wp-content/uploads/2026/04/bankruptcy-record-recovery-sunrise-750x429.jpg" width="750"/>
	</item>
		<item>
		<title>Can a Collection Agency Garnish Your Wages? The Law, the Limits, and How to Fight Back</title>
		<link>https://getoutofdebt.org/247464/can-collection-agency-garnish-wages</link>
					<comments>https://getoutofdebt.org/247464/can-collection-agency-garnish-wages#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Thu, 09 Apr 2026 16:46:15 +0000</pubDate>
				<category><![CDATA[Garnish]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[CCPA]]></category>
		<category><![CDATA[CFPB]]></category>
		<category><![CDATA[court judgment]]></category>
		<category><![CDATA[Debt Collection]]></category>
		<category><![CDATA[Debt Lawsuit]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[Wage Garnishment]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=247464</guid>

					<description><![CDATA[Can a collection agency garnish your wages? Only with a court judgment — and four states ban it entirely. Here's the law, the limits, and how to fight back.]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
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		<media:thumbnail height="429" url="https://getoutofdebt.org/wp-content/uploads/2026/04/collection-agency-garnish-wages-featured-750x429.jpg" width="750"/>
	</item>
		<item>
		<title>How to Pay Off Debt When You Have No Extra Money</title>
		<link>https://getoutofdebt.org/247461/how-to-pay-off-debt-with-no-extra-money</link>
					<comments>https://getoutofdebt.org/247461/how-to-pay-off-debt-with-no-extra-money#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Thu, 09 Apr 2026 16:46:13 +0000</pubDate>
				<category><![CDATA[Debt Relief Company Sued or Sanctioned]]></category>
		<category><![CDATA[Debt Relief Industry]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[chapter 7]]></category>
		<category><![CDATA[Credit Counseling]]></category>
		<category><![CDATA[Debt Management Plan]]></category>
		<category><![CDATA[debt relief]]></category>
		<category><![CDATA[government assistance]]></category>
		<category><![CDATA[low income]]></category>
		<category><![CDATA[snap]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=247461</guid>

					<description><![CDATA[How to pay off debt when there's no extra money. Real options that work — from free government programs to the one move that eliminates debt in months.]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
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		<media:thumbnail height="429" url="https://getoutofdebt.org/wp-content/uploads/2026/04/pay-off-debt-no-extra-money-featured-750x429.jpg" width="750"/>
	</item>
		<item>
		<title>Sweet v. McMahon Borrower Defense: The April 15 Deadline That Could Erase Your Student Loans</title>
		<link>https://getoutofdebt.org/247455/sweet-v-mcmahon-borrower-defense-april-2026-deadline</link>
					<comments>https://getoutofdebt.org/247455/sweet-v-mcmahon-borrower-defense-april-2026-deadline#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Thu, 09 Apr 2026 16:46:03 +0000</pubDate>
				<category><![CDATA[AP Student Loan Relief]]></category>
		<category><![CDATA[Private Student Loans]]></category>
		<category><![CDATA[Student Loan Assistance Programs]]></category>
		<category><![CDATA[Art Institutes]]></category>
		<category><![CDATA[Borrower Defense]]></category>
		<category><![CDATA[Corinthian Colleges]]></category>
		<category><![CDATA[department of education]]></category>
		<category><![CDATA[ITT Tech]]></category>
		<category><![CDATA[loan discharge]]></category>
		<category><![CDATA[Mohela]]></category>
		<category><![CDATA[Ninth Circuit]]></category>
		<category><![CDATA[predatory schools]]></category>
		<category><![CDATA[student loan forgiveness]]></category>
		<category><![CDATA[student loans]]></category>
		<category><![CDATA[Sweet v McMahon]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=247455</guid>

					<description><![CDATA[Sweet v. McMahon borrower defense deadline is April 15, 2026. Here's who qualifies for automatic student loan discharge and exactly what to do now.]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
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	</item>
		<item>
		<title>Alaska AG: Swickard Anchorage Pays $800K for Bait-and-Switch Car Deals — Here’s What They Did</title>
		<link>https://getoutofdebt.org/247421/alaska-ag-swickard-anchorage-settlement-bait-switch</link>
					<comments>https://getoutofdebt.org/247421/alaska-ag-swickard-anchorage-settlement-bait-switch#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Wed, 08 Apr 2026 19:48:40 +0000</pubDate>
				<category><![CDATA[Consumer Protection]]></category>
		<category><![CDATA[alaska]]></category>
		<category><![CDATA[auto dealer fraud]]></category>
		<category><![CDATA[Bait and Switch]]></category>
		<category><![CDATA[consumer protection]]></category>
		<category><![CDATA[FTC CARS rule]]></category>
		<category><![CDATA[Swickard Anchorage]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=247421</guid>

					<description><![CDATA[Alaska AG fined Swickard Anchorage $800K for advertising cars it didn't have and charging fees customers never agreed to. Here's what happened and the pattern to watch for.]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
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	</item>
		<item>
		<title>Maryland AG: LifeBridge Health to Pay $1.99M Over Undisclosed Hospital Facility Fees — Are You Owed a Refund?</title>
		<link>https://getoutofdebt.org/247419/maryland-ag-lifebridge-health-settlement-facility-fees</link>
					<comments>https://getoutofdebt.org/247419/maryland-ag-lifebridge-health-settlement-facility-fees#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Wed, 08 Apr 2026 19:48:38 +0000</pubDate>
				<category><![CDATA[Consumer Protection]]></category>
		<category><![CDATA[consumer protection]]></category>
		<category><![CDATA[facility fees]]></category>
		<category><![CDATA[hospital billing]]></category>
		<category><![CDATA[LifeBridge Health]]></category>
		<category><![CDATA[maryland]]></category>
		<category><![CDATA[medical debt]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=247419</guid>

					<description><![CDATA[Maryland AG secured $1.99M from LifeBridge Health over facility fees patients were not warned about before July 2021. Here is who is eligible and when to expect a check.]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
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	</item>
		<item>
		<title>Does a Debt Collector Have to Provide Proof of the Debt? Yes — Here Is Exactly What They Must Show</title>
		<link>https://getoutofdebt.org/247417/does-debt-collector-have-to-provide-proof-of-debt</link>
					<comments>https://getoutofdebt.org/247417/does-debt-collector-have-to-provide-proof-of-debt#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Wed, 08 Apr 2026 19:48:36 +0000</pubDate>
				<category><![CDATA[Debt Collection]]></category>
		<category><![CDATA[CFPB]]></category>
		<category><![CDATA[consumer rights]]></category>
		<category><![CDATA[Debt Collection Scams]]></category>
		<category><![CDATA[debt collectors]]></category>
		<category><![CDATA[Debt Validation]]></category>
		<category><![CDATA[FDCPA]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=247417</guid>

					<description><![CDATA[Yes — if you request it in writing within 30 days, collection must stop until they prove it. Here's exactly what proof they must provide and what happens if they can't.]]></description>
		
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	</item>
		<item>
		<title>Can a Debt Collector Take My Car? The Legal Difference That Changes Everything</title>
		<link>https://getoutofdebt.org/247414/can-debt-collector-take-my-car</link>
					<comments>https://getoutofdebt.org/247414/can-debt-collector-take-my-car#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Wed, 08 Apr 2026 19:48:33 +0000</pubDate>
				<category><![CDATA[Debt Collection]]></category>
		<category><![CDATA[consumer rights]]></category>
		<category><![CDATA[debt collectors]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[judgment creditor]]></category>
		<category><![CDATA[Repossession]]></category>
		<category><![CDATA[vehicle exemption]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=247414</guid>

					<description><![CDATA[A debt collector threatening to take your car needs a court judgment first — unless they have a lien. Here is the legal difference and how much risk you actually face.]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
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	</item>
		<item>
		<title>What Happens If You Don’t Pay Afterpay, Klarna, or Sezzle? The Full BNPL Default Timeline</title>
		<link>https://getoutofdebt.org/247411/what-happens-if-you-dont-pay-afterpay-klarna-sezzle</link>
					<comments>https://getoutofdebt.org/247411/what-happens-if-you-dont-pay-afterpay-klarna-sezzle#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Wed, 08 Apr 2026 19:48:31 +0000</pubDate>
				<category><![CDATA[Debt Collection]]></category>
		<category><![CDATA[Afterpay]]></category>
		<category><![CDATA[BNPL]]></category>
		<category><![CDATA[Buy Now Pay Later]]></category>
		<category><![CDATA[CFPB]]></category>
		<category><![CDATA[consumer rights]]></category>
		<category><![CDATA[debt collectors]]></category>
		<category><![CDATA[Klarna]]></category>
		<category><![CDATA[Sezzle]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=247411</guid>

					<description><![CDATA[What really happens when you stop paying Afterpay, Klarna, or Sezzle: late fees, account suspension, collections, and when they can sue — the full timeline.]]></description>
		
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		<media:thumbnail height="429" url="https://getoutofdebt.org/wp-content/uploads/2026/04/what-happens-dont-pay-bnpl-featured-750x429.jpg" width="750"/>
	</item>
		<item>
		<title>FDCPA Violation Examples: The Complete Categorized List (With What You Can Do About Each)</title>
		<link>https://getoutofdebt.org/247408/fdcpa-violation-examples</link>
					<comments>https://getoutofdebt.org/247408/fdcpa-violation-examples#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Wed, 08 Apr 2026 19:48:27 +0000</pubDate>
				<category><![CDATA[Debt Collection]]></category>
		<category><![CDATA[cease and desist]]></category>
		<category><![CDATA[CFPB]]></category>
		<category><![CDATA[consumer rights]]></category>
		<category><![CDATA[Debt Collection Scams]]></category>
		<category><![CDATA[debt collectors]]></category>
		<category><![CDATA[Debt Validation]]></category>
		<category><![CDATA[FDCPA]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=247408</guid>

					<description><![CDATA[FDCPA violations fall into 5 categories — here's the complete list with examples of each, what the law says, and how to sue for up to $1,000.]]></description>
		
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	</item>
		<item>
		<title>How to Verify a Debt Collector Is Legitimate (And What to Do If They’re Not)</title>
		<link>https://getoutofdebt.org/247405/how-to-verify-debt-collector-legitimate</link>
					<comments>https://getoutofdebt.org/247405/how-to-verify-debt-collector-legitimate#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Wed, 08 Apr 2026 19:48:24 +0000</pubDate>
				<category><![CDATA[Debt Collection]]></category>
		<category><![CDATA[CFPB]]></category>
		<category><![CDATA[consumer rights]]></category>
		<category><![CDATA[Debt Collection Scams]]></category>
		<category><![CDATA[debt collectors]]></category>
		<category><![CDATA[Debt Validation]]></category>
		<category><![CDATA[FDCPA]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=247405</guid>

					<description><![CDATA[Not sure if that debt collector is real or a scam? Here are 6 steps to verify any collector in 10 minutes — including the legal rights you have right now.]]></description>
		
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