Get Out of Debt Guy

A Fired Debt Settlement Salesman Kept a Journal — It Shows Why That ‘Free Consultation’ Isn’t Financial Advice

Steve Rhode — Thu, 02 Jul 2026 17:39:18 +0000

A debt settlement salesperson's handwritten journal just landed in federal court. What it reveals about the person on your call changes how to hear the pitch.

Can Bankruptcy Wipe Out My Tax Debt — Without Touching My Retirement?

Steve Rhode — Thu, 02 Jul 2026 16:59:13 +0000

Older income taxes CAN be discharged in bankruptcy (3-year, 2-year, 240-day rules) — and your 401(k) and IRA are protected. Don't drain retirement to pay the IRS first.

Delta Dental’s Coverage Portal Allegedly Tracked You — A $12.67 Million Settlement Is Open. File by August 20.

Steve Rhode — Thu, 02 Jul 2026 16:53:12 +0000

Held an account at My.DeltaDentalCoversMe.com between Jan 2021 and Jan 2025? A $12.67M tracking settlement is open — file free by August 20, 2026.

The Flo Period Tracker App Owes You Money — How to File Your Claim in the $59.5 Million Data-Sharing Settlement

Steve Rhode — Thu, 02 Jul 2026 16:48:52 +0000

Used the Flo period tracker between Nov 2016 and Feb 2019? A $59.5 million settlement (Google, Flo, Flurry) is open — file free by October 15, 2026.

They Said You Can Legally Buy a CPN for a Fresh Credit File. It’s a Federal Crime.

Steve Rhode — Thu, 02 Jul 2026 16:38:48 +0000

CPN sellers promise a legal fresh credit file. No law creates CPNs — the numbers are fabricated or stolen (often from children), and buyers have gone to federal prison.

Day 9: The AI Finally Picked a Stock to Buy. A Safety Rule Said Not on Jobs-Report Day. Here’s the Score.

Steve Rhode — Thu, 02 Jul 2026 15:41:35 +0000

AI investing test day 9: the AI picked its first stock — and a safety rule blocked the buy on jobs-report day. Here's the score vs the S&P 500.

Judges Just Saved Public Service Loan Forgiveness — And Proved Borrowers Are Political Pawns

Steve Rhode — Wed, 01 Jul 2026 19:35:32 +0000

Federal judges struck down the Trump PSLF rule one day before it took effect. Here's what it means for public service borrowers caught in the whiplash.

Day 8: The AI Had $749 in Cash and Two Funds to Buy. It Bought Nothing. Here’s the Score. (July 2026)

Wed, 01 Jul 2026 18:18:20 +0000

AI investing test day 8: the AI account is $1,005.03 vs the S&P 500 at $1,004.33. It reviewed two funds, bought neither. Here's why, and whether it's beating the index.

The Fed Just Told You Rates May Go Higher, Not Lower — Stop Waiting for a Rate-Cut Rescue (July 2026)

Steve Rhode — Wed, 01 Jul 2026 17:09:06 +0000

The Fed's June dot plot flipped: median official sees rates ending 2026 higher. Warsh said prices 'too high' July 1. Stop waiting for a rate-cut rescue that may not come.

Bruce v. Ideal Tax Group Inc., Case No. 8:26-cv-01689

Research Department — Wed, 01 Jul 2026 15:53:01 +0000

Quick Answer: A federal lawsuit was filed by Bruce against Ideal Tax on June 30, 2026 in the U.S. District Court (DISTRICT COURT, C.D. CALIFORNIA). Case No. 8:26-cv-01689. The full complaint has not yet been made available through public court records. This page will be updated with the complete allegations when the complaint is published. This is a legal filing, not a verdict.

Miah v. CountryWide Debt Relief, LLC, Case No. 2:26-cv-12190

Research Department — Wed, 01 Jul 2026 15:53:00 +0000

Quick Answer: A federal lawsuit was filed by Miah against CountryWide Debt Relief on June 30, 2026 in the U.S. District Court (DISTRICT COURT, E.D. MICHIGAN). Case No. 2:26-cv-12190. The full complaint has not yet been made available through public court records. This page will be updated with the complete allegations when the complaint is published. This is a legal filing, not a verdict.

Day 7: XBI Hit a 52-Week High. The AI Scanned 8 ETFs and Bought Nothing. Here’s the Score. (June 2026)

Tue, 30 Jun 2026 19:22:54 +0000

AI investing test day 7: XBI hit a fresh 52-week high and the AI scanned 8 candidates and rejected them all — here's where the scoreboard stands.

Amazon Owes You Up to $51 From Its $2.5 Billion FTC Settlement — But You Have to Claim It by July 27

Steve Rhode — Tue, 30 Jun 2026 19:16:00 +0000

Amazon's $2.5B FTC settlement refunds eligible Prime members up to $51 — but the claim deadline is July 27, 2026. Here's how to file the right way.

The FTC Just Fined Amazon $2.25 Million — And Exposed a Right Most Identity-Theft Victims Don’t Know They Have

Steve Rhode — Tue, 30 Jun 2026 19:15:56 +0000

Amazon just paid a record FTC penalty for hiding fraud records from identity-theft victims. The law it broke gives you a right you can use today.

Uwagbai v. Better Tax Relief, Case No. 4:26-cv-05139

Research Department — Tue, 30 Jun 2026 16:50:48 +0000

Quick Answer: A federal lawsuit was filed by Uwagbai against Better Tax Relief on June 29, 2026 in the U.S. District Court (DISTRICT COURT, S.D. TEXAS). Case No. 4:26-cv-05139. The full complaint has not yet been made available through public court records. This page will be updated with the complete allegations when the complaint is published. This is a legal filing, not a verdict.

Mott v. Freedom Debt Relief, Case No. 2:26-cv-04455

Research Department — Tue, 30 Jun 2026 16:50:46 +0000

Quick Answer: A federal lawsuit was filed by Mott against Freedom Debt Relief on June 26, 2026 in the U.S. District Court (DISTRICT COURT, D. ARIZONA). Case No. 2:26-cv-04455. The full complaint has not yet been made available through public court records. This page will be updated with the complete allegations when the complaint is published. This is a legal filing, not a verdict.

They Said You Never Have to Pay a Debt Collector. Here’s What That Advice Leaves Out.

Steve Rhode — Mon, 29 Jun 2026 20:47:04 +0000

"Never pay a debt collector" is half-true. You have real rights, but ignoring a lawsuit means a default judgment and garnished wages. Here's the full truth.

Medicare Just Opened a $50-a-Month Door to Weight-Loss Drugs — But Read the Fine Print Before You Celebrate

Mon, 29 Jun 2026 20:03:50 +0000

Medicare's new GLP-1 Bridge starts July 1, 2026: Wegovy and Zepbound for $50 a month. But Ozempic isn't covered for weight loss, and there's a catch.

You Bought Beef? You Have Until Tomorrow to Claim Your Share of an $87.5 Million Settlement

Mon, 29 Jun 2026 20:03:48 +0000

Bought beef at a grocery store between 2014 and 2019? You may be owed money from the $87.5M beef price-fixing settlement. File free by June 30, 2026.

Day 6: The Market Had Its Best Day in Weeks. The AI Did Nothing. Here’s the Score. (June 2026)

Mon, 29 Jun 2026 19:47:24 +0000

AI investing test day 6: the market surged 1.6% and the AI didn’t chase it — here’s the running scoreboard and why restraint is the whole point.

Cardero v. Americor Funding, LLC, Case No. 1:26-cv-24456

Research Department — Mon, 29 Jun 2026 13:38:10 +0000

Cardero v. Americor Funding, LLC: Federal lawsuit filed in U.S. District Court (DISTRICT COURT, S.D. FLORIDA), Case No. 1:26-cv-24456. Complaint pending publ...

I Looked Into Every “Get Rich Trading” Pitch on Your Phone. Here’s Who Actually Gets Rich.

Steve Rhode — Mon, 29 Jun 2026 12:00:00 +0000

I read the research and court records on day trading, forex bots, prop-firm challenges, and trading gurus. Who actually gets rich? The person selling the dream.

Day 5: The AI Walked Past Two Good-Looking Setups. The Index Fell 2.04%. Here’s the Score. (June 2026)

Steve Rhode — Fri, 26 Jun 2026 20:13:59 +0000

AI investing test day 5: AI up 0.15% vs S&P 500 down 2.04%. The AI held all positions and passed on two fresh ETF setups. Here's the full reasoning and scoreboard.

They Said It Was You on the Phone. AI Cloned Your Voice From 3 Seconds of Video.

Steve Rhode — Fri, 26 Jun 2026 19:56:23 +0000

AI can clone your family member's voice from a few seconds of a social media video. Here's what the FBI documented — and the two defenses that actually work.

Lemonade Insurance Owes 190,000 People Money for a Data Breach — How to Claim Your Share Before September 8

Steve Rhode — Fri, 26 Jun 2026 18:28:55 +0000

Lemonade Insurance agreed to a $10.5 million data breach settlement for over 190,000 people whose driver's license numbers were exposed. File your claim by September 8, 2026.

Debt, Savings, Salesmen, Bankruptcy, and the Fear of Making the Wrong Move

Steve Rhode — Fri, 26 Jun 2026 17:43:24 +0000

Steve Rhode and Damon Day reveal how debt-relief sales pressure mirrors HVAC scam tactics — and why the math on Chapter 7 vs. settlement can differ by $82,500.

I Taught an AI to Trade Like a Disciplined Pro. It Lost to a Rule You Could Write on an Index Card.

Steve Rhode — Fri, 26 Jun 2026 15:06:43 +0000

I gave an AI $1,000 and a disciplined trader's rulebook, tested it across 26 years — and it turned $1,000 into $1,210 while just owning the market made $5,000.

When You Search for Your Debt Collector, Who Actually Answers the Phone?

Steve Rhode — Thu, 25 Jun 2026 17:37:18 +0000

People searching for their debt collector have told the government they reached a credit repair company instead. Here's how to confirm who answered before you share anything.

The Gametime $2.74M Settlement: You Don’t Need to File Anything (and Nobody Should Charge You to Claim It)

Steve Rhode — Thu, 25 Jun 2026 17:12:59 +0000

Bought Gametime tickets in California? The $2.74M hidden-fees settlement pays an automatic credit voucher, not cash. No claim form needed. Here is what to really expect.

Day 4: PCE Hit a 3-Year High. The AI Did Nothing. Here’s the Score. (June 2026)

Steve Rhode — Thu, 25 Jun 2026 17:02:22 +0000

AI investing test day 4: AI down 0.07% vs S&P 500 down 1.38%. The AI held all positions as PCE inflation hit a 3-year high. Scoreboard, full AI reasoning, and what to do instead.