http://getoutofdebt.org Site feed from GetOutOfDebt.org. Mon, 20 May 2013 00:44:38 +0000 en-US hourly 1 http://wordpress.org/?v=3.5.1 http://creativecommons.org/licenses/by-nc/2.0/http://creativecommons.org/licenses/by-nc/2.0/http://creativecommons.org/images/public/somerights20.gifgetoutofdebtsitehttp://feedburner.google.comSubscribe with My Yahoo!Subscribe with NewsGatorSubscribe with My AOLSubscribe with BloglinesSubscribe with NetvibesSubscribe with GoogleSubscribe with PageflakesSubscribe with Plusmo http://getoutofdebt.org/52224/what-happened-to-abc-legal-and-did-they-take-my-money http://getoutofdebt.org/52224/what-happened-to-abc-legal-and-did-they-take-my-money#comments Sun, 19 May 2013 21:14:48 +0000 Steve Rhode http://getoutofdebt.org/?p=52224 http://getoutofdebt.org/52224/what-happened-to-abc-legal-and-did-they-take-my-money/feed/ 0 “Dear Steve, What can be done with THE ABC LEGAL GROUP? The Wesbsite is down… Am I screwed…I am a widow with 3 children.. MY husband passed away back in 2009. I have done some research… and found the following information NEW OWNER FOR ESQUIRE LITIGATION…. I have spoken to a woman named Shirley. She [...] Read the full article at What Happened to ABC Legal and Did... http://getoutofdebt.org/52223/stores-online-consumer-complaint-may-19-2013 http://getoutofdebt.org/52223/stores-online-consumer-complaint-may-19-2013#comments Sun, 19 May 2013 20:43:21 +0000 Steve Rhode http://getoutofdebt.org/?p=52223 http://getoutofdebt.org/52223/stores-online-consumer-complaint-may-19-2013/feed/ 0 Consumer Statement: Attended a seminar held by an outfit called Stores Online, Inc. (SOL) out of Utah. At the seminar the man had us write many things one being: Reasons to Get Into This Business: Item 3 – We will guarantee you that we will aide you in advertising your website and teach you how [...] Read the full article at Stores Online – Consumer Complaint – May 19, 2013 http://getoutofdebt.org/52221/the-bankruptcy-trustee-and-attorney-screwed-up-my-bankruptcy-teresa http://getoutofdebt.org/52221/the-bankruptcy-trustee-and-attorney-screwed-up-my-bankruptcy-teresa#comments Sun, 19 May 2013 20:37:03 +0000 Steve Rhode http://getoutofdebt.org/?p=52221 http://getoutofdebt.org/52221/the-bankruptcy-trustee-and-attorney-screwed-up-my-bankruptcy-teresa/feed/ 0 “Dear Steve, Our bankruptcy has came to an end but in going over the details, I found MANY unethical things. 1 – it seems my attorney and the trustee were in each others pockets. 2 – the credit union put a $65 a month insurance on the vehicle that was through them but I have [...] Read the full article at The Bankruptcy Trustee and Attorney Screwed Up My Bankruptcy. –... http://getoutofdebt.org/52219/how-do-i-deal-with-my-dubai-apartment-debt-from-the-uk-gary http://getoutofdebt.org/52219/how-do-i-deal-with-my-dubai-apartment-debt-from-the-uk-gary#comments Sun, 19 May 2013 20:19:28 +0000 Steve Rhode http://getoutofdebt.org/?p=52219 http://getoutofdebt.org/52219/how-do-i-deal-with-my-dubai-apartment-debt-from-the-uk-gary/feed/ 0 “Dear Steve, I am hoping if you could kindly spare a few minutes to clarify something for me? I live in the UK and in 2005 I decided to purchase an off-plan property in Dubai. I initially contacted an agent in the UK regarding the property and then I entered an agreement with a building [...] Read the full article at How Do I Deal With My Dubai Apartment Debt From the UK? – Gary http://getoutofdebt.org/29292/best-debt-consolidation-loan-programs http://getoutofdebt.org/29292/best-debt-consolidation-loan-programs#comments Sun, 19 May 2013 20:18:34 +0000 Steve Rhode http://getoutofdebt.org/?p=29292 http://getoutofdebt.org/29292/best-debt-consolidation-loan-programs/feed/ 92 Finding a legitimate debt consolidation loan program can be frustrating, depressing and darn near impossible. We’ve all seen the advertisements promising loans for people with bad credit or loans with no credit check. In my experience those companies are often high priced, that is if you actually get a debt consolidation loan and not get [...] Read the full article at Best Debt... http://getoutofdebt.org/52217/you-have-not-failed-if-you-file-bankruptcy http://getoutofdebt.org/52217/you-have-not-failed-if-you-file-bankruptcy#comments Sun, 19 May 2013 19:46:43 +0000 Steve Rhode http://getoutofdebt.org/?p=52217 http://getoutofdebt.org/52217/you-have-not-failed-if-you-file-bankruptcy/feed/ 0 A frequent and quiet chorus says people who file bankruptcy have failed in some way, but let’s set the record straight on that myth. It’s not true. Bankruptcy is the law of the land in many countries. It allows people otherwise tightly gripped by unmanageable debt to find a way to break free of an [...] Read the full article at You Have Not Failed if You File Bankruptcy http://getoutofdebt.org/52212/irs-form-982-is-your-friend-if-you-got-a-1099-c http://getoutofdebt.org/52212/irs-form-982-is-your-friend-if-you-got-a-1099-c#comments Sun, 19 May 2013 15:00:22 +0000 Steve Rhode http://getoutofdebt.org/?p=52212 http://getoutofdebt.org/52212/irs-form-982-is-your-friend-if-you-got-a-1099-c/feed/ 0 Just because you got a 1099-C form from forgiven debt is not a reason to immediately panic and think you are automatically going to owe a lot of taxes on the forgiven debt. In the debt world a point of contention for me is the chronic misinformation about forgiven debt from debt settlement or a [...] Read the full article at IRS Form 982 is Your Friend if You Got a 1099-C http://getoutofdebt.org/52209/debt-relief-company-options-debt-consolidation-canada-hits-rough-patch http://getoutofdebt.org/52209/debt-relief-company-options-debt-consolidation-canada-hits-rough-patch#comments Sat, 18 May 2013 13:20:05 +0000 Steve Rhode http://getoutofdebt.org/?p=52209 http://getoutofdebt.org/52209/debt-relief-company-options-debt-consolidation-canada-hits-rough-patch/feed/ 0 The Vancover Sun is reporting a situation which sounds familiar in the U.S. as well regarding Options Debt Consolidation Canada and Options Credit Canada. Apparently Options Credit was selling agents or franchise owners a magnificent debt relief business opportunity where they would receive “with real-time leads and the ongoing support and management necessary to qualify [...] Read the full... http://getoutofdebt.org/52195/my-credit-union-wont-give-me-my-car-title-because-i-have-a-credit-card-balance http://getoutofdebt.org/52195/my-credit-union-wont-give-me-my-car-title-because-i-have-a-credit-card-balance#comments Fri, 17 May 2013 20:55:04 +0000 Steve Rhode http://getoutofdebt.org/?p=52195 http://getoutofdebt.org/52195/my-credit-union-wont-give-me-my-car-title-because-i-have-a-credit-card-balance/feed/ 0 “Dear Steve, Worked for this credit union who in the past had federal investigators in when there were bogus loans. Worked there for 15 yrs. I paid my car loan off with my credit union but they won’t give me the title. I owe on a visa account there and they are pulling the cross [...] Read the full article at My Credit Union Won’t Give Me My Car Title Because I Have a Credit... http://getoutofdebt.org/52194/is-my-plan-to-deal-with-my-united-recovery-debt-a-good-one http://getoutofdebt.org/52194/is-my-plan-to-deal-with-my-united-recovery-debt-a-good-one#comments Fri, 17 May 2013 20:29:34 +0000 Steve Rhode http://getoutofdebt.org/?p=52194 http://getoutofdebt.org/52194/is-my-plan-to-deal-with-my-united-recovery-debt-a-good-one/feed/ 0 “Dear Steve, 1. 1993 – I get a credit card, my first and only (Cap One). 2. It’s fine for several years. 3. 2003 – Divorce, followed by scary major illness; unable to work. Disaster. Balance creeping up. 4. More disaster. Long irrelevant story. I use the cc to pay the rent. Keeping the roof [...] Read the full article at Is My Plan to Deal With My United Recovery Debt a... http://getoutofdebt.org/52192/how-can-i-get-out-of-this-judgment-and-wage-garnishment http://getoutofdebt.org/52192/how-can-i-get-out-of-this-judgment-and-wage-garnishment#comments Fri, 17 May 2013 19:28:23 +0000 Steve Rhode http://getoutofdebt.org/?p=52192 http://getoutofdebt.org/52192/how-can-i-get-out-of-this-judgment-and-wage-garnishment/feed/ 0 “Dear Steve, In 2008, at the age of 18, I moved out of home, into an apartment with a roommate. The rent was high ($1300/mo), and about 4-5 months into the lease, my roommate’s work started to decline. One morning, she up and moved out, and with management (which has since changed, and the rates [...] Read the full article at How Can I Get Out of This Judgment and Wage Garnishment? http://getoutofdebt.org/52189/i-co-signed-for-a-private-student-loan-and-its-killing-me http://getoutofdebt.org/52189/i-co-signed-for-a-private-student-loan-and-its-killing-me#comments Fri, 17 May 2013 17:11:37 +0000 Steve Rhode http://getoutofdebt.org/?p=52189 http://getoutofdebt.org/52189/i-co-signed-for-a-private-student-loan-and-its-killing-me/feed/ 0 “Dear Steve, I co-signed a private student loan that is now in collections and ruining my DTI. I found your petition for the Fairness for Struggling Students Act on change.org. Have you had any contact with Senator Coons or anyone else on the senate judiciary committee regarding this? I am a DE resident and trying [...] Read the full article at I Co-Signed for a Private Student Loan and... http://getoutofdebt.org/52187/does-a-debt-consolidation-program-lower-my-credit-score http://getoutofdebt.org/52187/does-a-debt-consolidation-program-lower-my-credit-score#comments Fri, 17 May 2013 16:59:55 +0000 Steve Rhode http://getoutofdebt.org/?p=52187 http://getoutofdebt.org/52187/does-a-debt-consolidation-program-lower-my-credit-score/feed/ 0 “Dear Steve, I need to consolidate credit card debt of $9,000.00. Does debt consolidation go against my credit rating, or lower my score? Do I have to close out my credit cards with my creditors to go forth with the program? Phyllis” Don’t miss our free Get Out of Debt – “How To” Guide Series [...] Read the full article at Does a Debt Consolidation Program Lower My Credit Score? http://getoutofdebt.org/52185/how-do-i-settle-my-debt-with-collection-agencies http://getoutofdebt.org/52185/how-do-i-settle-my-debt-with-collection-agencies#comments Fri, 17 May 2013 16:49:22 +0000 Steve Rhode http://getoutofdebt.org/?p=52185 http://getoutofdebt.org/52185/how-do-i-settle-my-debt-with-collection-agencies/feed/ 0 “Dear Steve, Time to Face the Dragon? I have 40k in credit card debt amassed during 2 years of unemployment. 28k of it has been sold to third party collectors. I am now in a position to clean it all up. I realize now I should have declared bankruptcy. But it’s too late now since [...] Read the full article at How Do I Settle My Debt With a Collection Agency? http://getoutofdebt.org/52183/im-afraid-of-bankruptcy-but-struggling-each-month http://getoutofdebt.org/52183/im-afraid-of-bankruptcy-but-struggling-each-month#comments Fri, 17 May 2013 16:29:39 +0000 Steve Rhode http://getoutofdebt.org/?p=52183 http://getoutofdebt.org/52183/im-afraid-of-bankruptcy-but-struggling-each-month/feed/ 0 “Dear Steve, Single mother, income 1600 after deductions, credit card debt 27,000. I have a house and I’ve been making payments for two years of 928 monthly. I have an equity of 26,000. No paymentys behind. You advised me about filing chapter 7 bankruptcy, and even though I don’t want to do it, at this [...] Read the full article at I’m Afraid of Bankruptcy But Struggling... http://getoutofdebt.org/52181/taxes-may-be-due-on-mortgage-settlement-checks-slap http://getoutofdebt.org/52181/taxes-may-be-due-on-mortgage-settlement-checks-slap#comments Fri, 17 May 2013 15:56:39 +0000 Guest Post http://getoutofdebt.org/?p=52181 http://getoutofdebt.org/52181/taxes-may-be-due-on-mortgage-settlement-checks-slap/feed/ 2 Double Whammy: Mortgage Settlement Payments Will Be Taxed (via Credit.com) If you are one of the more than 1.8 million people who have received a check from the Independent Foreclosure Review (IFR) settlement — or if you have one coming — don’t spend it all in one place. These payments are considered taxable income for [...] Read the full article at Taxes May Be Due on Mortgage Settlement Checks.... http://getoutofdebt.org/52179/can-i-get-macys-and-capital-one-to-please-charge-off-my-credit-cards-brigitte http://getoutofdebt.org/52179/can-i-get-macys-and-capital-one-to-please-charge-off-my-credit-cards-brigitte#comments Thu, 16 May 2013 21:04:28 +0000 Steve Rhode http://getoutofdebt.org/?p=52179 http://getoutofdebt.org/52179/can-i-get-macys-and-capital-one-to-please-charge-off-my-credit-cards-brigitte/feed/ 1 “Dear Steve, I live in California, I’m 55yrs old woman, my 3 daughters just finished college, last month I lost my job, I have 2 credit cards, one is Macy’s for $5,000 and the other Capital one for $5,000, do you think if I call them and let them know I’m unemployed they will charge [...] Read the full article at Can I Get Macy’s and Capital One to Please Charge Off... http://getoutofdebt.org/52175/is-home-remedy-center-affiliated-with-prudent-law-group-a-scam-alana http://getoutofdebt.org/52175/is-home-remedy-center-affiliated-with-prudent-law-group-a-scam-alana#comments Thu, 16 May 2013 20:51:16 +0000 Steve Rhode http://getoutofdebt.org/?p=52175 http://getoutofdebt.org/52175/is-home-remedy-center-affiliated-with-prudent-law-group-a-scam-alana/feed/ 0 “Dear Steve, I own a home and have a jumbo loan (over 700K) with 6.5% interest with Wells Fargo, and loan is with a private lender, not a Fanny Mae or Freddie Mac loan. Wells Fargo refused modifying the loan or reduce theinterest. We are current on payments. I was contact by Home Remedy Center, [...] Read the full article at Is Home Remedy Center, Affiliated with Prudent Law Group, a Scam?... http://getoutofdebt.org/52174/the-role-credit-counseling-plays-in-debt-relief http://getoutofdebt.org/52174/the-role-credit-counseling-plays-in-debt-relief#comments Thu, 16 May 2013 20:06:21 +0000 Jared Strauss http://getoutofdebt.org/?p=52174 http://getoutofdebt.org/52174/the-role-credit-counseling-plays-in-debt-relief/feed/ 4 The following is a guest post. And while I personally might not agree with some of the points of view, I think it is important for people to hear from different sides. Given what I think is going to be an exploding retirement crisis I am now more convinced that for those near or over [...] Read the full article at The Role Credit Counseling Plays in Debt Relief http://getoutofdebt.org/52172/the-big-profits-behind-student-loan-interest-rates http://getoutofdebt.org/52172/the-big-profits-behind-student-loan-interest-rates#comments Thu, 16 May 2013 16:20:41 +0000 Guest Post http://getoutofdebt.org/?p=52172 http://getoutofdebt.org/52172/the-big-profits-behind-student-loan-interest-rates/feed/ 1 The Big Profits Behind Student Loan Interest Rates (via Credit.com) If insanity is defined as repeatedly doing the same thing and expecting a different result, the student loan interest rate throwdown that’s about to be reprised in Washington, D.C., warrants an intervention. You may recall that at this time in 2012, Congress was in a [...] Read the full article at The Big Profits Behind Student... http://getoutofdebt.org/52170/a-brain-tumor-and-private-student-loans-led-to-a-life-lesson-sally http://getoutofdebt.org/52170/a-brain-tumor-and-private-student-loans-led-to-a-life-lesson-sally#comments Thu, 16 May 2013 15:09:26 +0000 Steve Rhode http://getoutofdebt.org/?p=52170 http://getoutofdebt.org/52170/a-brain-tumor-and-private-student-loans-led-to-a-life-lesson-sally/feed/ 4 “Dear Steve, Daughter was dx with brain cancer while attending college away from home. She went through brain surgery, radiation and chemo. She was able to obtain her degree (took 7 years). She has private student loan debt for approx $50,000. We co-signed her loans. We also have Parent Plus loans for her and her [...] Read the full article at A Brain Tumor and Private Student Loans Led to... http://getoutofdebt.org/52168/my-credit-was-hit-by-an-uninsured-motorist-and-left-with-a-traumatic-injury http://getoutofdebt.org/52168/my-credit-was-hit-by-an-uninsured-motorist-and-left-with-a-traumatic-injury#comments Thu, 16 May 2013 13:56:42 +0000 Steve Rhode http://getoutofdebt.org/?p=52168 http://getoutofdebt.org/52168/my-credit-was-hit-by-an-uninsured-motorist-and-left-with-a-traumatic-injury/feed/ 0 “Dear Steve, Dear Steve, I was in an automobile accident in 11/’05, hit by another driver who had stolen a car, therfore I was unable to sue anyone for the accident. I had no health insurance and my uninsured motorist policy was $100k, which of course the hospital negotiated a payment towards my $300,000 bill. [...] Read the full article at My Credit Was Hit by an Uninsured Motorist... http://getoutofdebt.org/52165/will-i-be-stopped-at-the-u-s-border-if-i-leave-australia-with-debt-i-cant-pay http://getoutofdebt.org/52165/will-i-be-stopped-at-the-u-s-border-if-i-leave-australia-with-debt-i-cant-pay#comments Wed, 15 May 2013 20:53:49 +0000 Steve Rhode http://getoutofdebt.org/?p=52165 http://getoutofdebt.org/52165/will-i-be-stopped-at-the-u-s-border-if-i-leave-australia-with-debt-i-cant-pay/feed/ 0 “Dear Steve, In 2011 I went to the United States I am a US citizen when I returned to Australia I thought I would still have my job but that didn’t happen and have been unable to get a job I have not contacted the bank in 2 years out of fear. I’m on centerlink [...] Read the full article at Will I Be Stopped at the U.S. Border if I Leave Australia With Debt I Can’t Pay? http://getoutofdebt.org/52163/can-i-get-my-vehicle-out-of-pawn-with-a-title-loan-kelly http://getoutofdebt.org/52163/can-i-get-my-vehicle-out-of-pawn-with-a-title-loan-kelly#comments Wed, 15 May 2013 20:34:32 +0000 Steve Rhode http://getoutofdebt.org/?p=52163 http://getoutofdebt.org/52163/can-i-get-my-vehicle-out-of-pawn-with-a-title-loan-kelly/feed/ 0 “Dear Steve, Currently have a title pawn for $5000. I know these are stupid, but desperate people do desperate things sometimes. the monthly payment I have to pay is $500 which is the interest. more if I want to bring down the principle balance. Are there any legitimate companies out there that will assist with [...] Read the full article at Can I Get My Vehicle Out of Pawn With a Title... http://getoutofdebt.org/52161/are-no-cost-mortgages-always-the-best-deal http://getoutofdebt.org/52161/are-no-cost-mortgages-always-the-best-deal#comments Wed, 15 May 2013 20:20:57 +0000 Guest Post http://getoutofdebt.org/?p=52161 http://getoutofdebt.org/52161/are-no-cost-mortgages-always-the-best-deal/feed/ 0 Are No-Cost Mortgages Always the Best Deal? (via Credit.com) A program made popular in the height of the subprime lending environment was the no-cost mortgage. No-cost mortgages have gotten quite a bit of exposure lately, as consumers seek to better understand loan terms, interest rates and how to qualify for mortgages in an ever-tightening credit [...] Read the full article at Are No-Cost... http://getoutofdebt.org/52159/soldiers-wound-by-debt-not-bullets http://getoutofdebt.org/52159/soldiers-wound-by-debt-not-bullets#comments Wed, 15 May 2013 18:14:51 +0000 ProPublica http://getoutofdebt.org/?p=52159 http://getoutofdebt.org/52159/soldiers-wound-by-debt-not-bullets/feed/ 0 by Paul Kiel, ProPublica, and Mitchell Hartman, Marketplace, May 15, 2013, 5:50 a.m.by Paul Kiel and Krista Kjellman Schmidt, ProPublica, May 15 This story was co-produced with Marketplace. Listen to their coverage. Seven years after Congress banned payday-loan companies from charging exorbitant interest rates to service members, many of the nation’s military bases are surrounded [...] Read... http://getoutofdebt.org/52156/maybe-i-should-not-go-to-college http://getoutofdebt.org/52156/maybe-i-should-not-go-to-college#comments Wed, 15 May 2013 18:02:55 +0000 Steve Rhode http://getoutofdebt.org/?p=52156 http://getoutofdebt.org/52156/maybe-i-should-not-go-to-college/feed/ 0 I hear all the arguments about the value of a college education. And I agree with much of that. But the fact is not everyone who goes to college and takes on student loan debt graduates or even graduates into a field that pays enough to service the student loan debt. In fact 75 percent [...] Read the full article at Maybe You Should Not Go to College http://getoutofdebt.org/52154/should-i-use-my-retirement-money-to-pay-off-my-student-loans-cynthia http://getoutofdebt.org/52154/should-i-use-my-retirement-money-to-pay-off-my-student-loans-cynthia#comments Wed, 15 May 2013 16:40:32 +0000 Steve Rhode http://getoutofdebt.org/?p=52154 http://getoutofdebt.org/52154/should-i-use-my-retirement-money-to-pay-off-my-student-loans-cynthia/feed/ 0 “Dear Steve, I would like to know if I would be better off paying off student loans with a retirement plan disbursement from former employer I have about $26,000 in SallieMae student loans. I will be receiving a disbursement from a former employer for Profit Sharing and Money Purchase plans. I want to know if [...] Read the full article at Should I Use My Retirement Money to Pay Off My... http://getoutofdebt.org/52151/broke-ass-americans-the-new-norm http://getoutofdebt.org/52151/broke-ass-americans-the-new-norm#comments Wed, 15 May 2013 15:54:37 +0000 Steve Rhode http://getoutofdebt.org/?p=52151 http://getoutofdebt.org/52151/broke-ass-americans-the-new-norm/feed/ 0 I spend almost all of my time focused on helping people to get out of debt. But today I wanted to take a moment and focus on what to do once that crisis has passed and I’ve added a new section about life after debt to my free guides on dealing with debt. Let’s talk [...] Read the full article at 6 Ways to Not Be a Broke Ass American After Kicking Your Debt http://getoutofdebt.org/52149/is-the-legal-advocate-network-a-mortgage-modification-scam-bobbie http://getoutofdebt.org/52149/is-the-legal-advocate-network-a-mortgage-modification-scam-bobbie#comments Tue, 14 May 2013 21:52:43 +0000 Steve Rhode http://getoutofdebt.org/?p=52149 http://getoutofdebt.org/52149/is-the-legal-advocate-network-a-mortgage-modification-scam-bobbie/feed/ 0 “Dear Steve, I was looking into a mortgage modification and my mortgage company said they can’t do one for us. I received information for a mortgage modification from Legal Advocate Network. I can’t find any info on them and their web site has not address. When I called them all they would tell me is [...] Read the full article at Is the Legal Advocate Network a Mortgage...