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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>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>
		<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>
		<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>
		
					<wfw:commentRss>https://getoutofdebt.org/247417/does-debt-collector-have-to-provide-proof-of-debt/feed</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
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		<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>
		
					<wfw:commentRss>https://getoutofdebt.org/247414/can-debt-collector-take-my-car/feed</wfw:commentRss>
			<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>
		
					<wfw:commentRss>https://getoutofdebt.org/247411/what-happens-if-you-dont-pay-afterpay-klarna-sezzle/feed</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
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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>
		
					<wfw:commentRss>https://getoutofdebt.org/247408/fdcpa-violation-examples/feed</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
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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>
		
					<wfw:commentRss>https://getoutofdebt.org/247405/how-to-verify-debt-collector-legitimate/feed</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
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	</item>
		<item>
		<title>Is American Debt Protection Legit in 2026? Here’s How to Find Out</title>
		<link>https://getoutofdebt.org/247327/is-american-debt-protection-legit-in-2026-heres-how-to-find-out</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Mon, 06 Apr 2026 18:06:02 +0000</pubDate>
				<category><![CDATA[Debt Articles]]></category>
		<category><![CDATA[American Debt Protection]]></category>
		<category><![CDATA[attorney hired by debt relief company]]></category>
		<category><![CDATA[california]]></category>
		<category><![CDATA[Check Out a Debt Relief Company]]></category>
		<category><![CDATA[Credit Advocates Debt Settlement Company]]></category>
		<category><![CDATA[debt relief company]]></category>
		<category><![CDATA[Debt Settlement Company]]></category>
		<category><![CDATA[Debt Settlement Company Bankruptcy]]></category>
		<category><![CDATA[lead generator]]></category>
		<category><![CDATA[lead generator review]]></category>
		<category><![CDATA[lead generators]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=247327</guid>

					<description><![CDATA[American Debt Protection (Irvine CA, Jan 2026) — brand new company, no BBB listing, no accreditations found. Research guide before you enroll.]]></description>
		
		
		
			</item>
		<item>
		<title>Complete Payroll Solutions Data Breach Settlement: How to Claim Your Share of $2.6M</title>
		<link>https://getoutofdebt.org/247308/complete-payroll-solutions-data-breach-settlement-how-to-claim-your-share-of-2-6m</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Mon, 06 Apr 2026 17:54:32 +0000</pubDate>
				<category><![CDATA[Debt Articles]]></category>
		<category><![CDATA[class action settlement]]></category>
		<category><![CDATA[credit monitoring]]></category>
		<category><![CDATA[Data Breach]]></category>
		<category><![CDATA[data breach class action]]></category>
		<category><![CDATA[data breach settlement]]></category>
		<category><![CDATA[Identity Theft]]></category>
		<category><![CDATA[payroll]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=247308</guid>

					<description><![CDATA[Got a notice from Complete Payroll Solutions? The $2.6M breach settlement pays ~$100 with no proof required. Claim deadline: June 18, 2026.]]></description>
		
		
		
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	</item>
		<item>
		<title>The 1099-C Tax Bomb From Debt Settlement — And How Most People Can Legally Avoid It</title>
		<link>https://getoutofdebt.org/247303/the-1099-c-tax-bomb-from-debt-settlement-and-how-most-people-can-legally-avoid-it</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Mon, 06 Apr 2026 17:54:28 +0000</pubDate>
				<category><![CDATA[Debt Articles]]></category>
		<category><![CDATA[Tax Related]]></category>
		<category><![CDATA[1099-C]]></category>
		<category><![CDATA[back taxes]]></category>
		<category><![CDATA[canceled debt]]></category>
		<category><![CDATA[insolvency]]></category>
		<category><![CDATA[Insolvency Calculator]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=247303</guid>

					<description><![CDATA[Before you sign a debt settlement agreement, ask about the 1099-C. Most clients owe zero tax — but only if they know to file Form 982. Here's what settlement companies don't explain.]]></description>
		
		
		
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		<media:thumbnail height="429" url="https://getoutofdebt.org/wp-content/uploads/2026/04/debt-settlement-1099-c-tax-bomb-750x429.jpg" width="750"/>
	</item>
		<item>
		<title>Why Depression and Debt Feed Each Other — And How to Break the Loop</title>
		<link>https://getoutofdebt.org/247299/why-depression-and-debt-feed-each-other-and-how-to-break-the-loop</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Mon, 06 Apr 2026 17:54:25 +0000</pubDate>
				<category><![CDATA[Mental Health]]></category>
		<category><![CDATA[Mental Health Related]]></category>
		<category><![CDATA[dealing with financial stress]]></category>
		<category><![CDATA[Debt and Depression]]></category>
		<category><![CDATA[debt and mental health]]></category>
		<category><![CDATA[Depression]]></category>
		<category><![CDATA[poverty]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=247299</guid>

					<description><![CDATA[Debt causes depression. Depression causes debt. I ran a debt relief org for 12 years — here's the clinical feedback loop nobody in personal finance talks about.]]></description>
		
		
		
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		<item>
		<title>“I Can’t Afford to Hang Out” — The Social Shame of Being Broke Nobody Talks About</title>
		<link>https://getoutofdebt.org/247294/i-cant-afford-to-hang-out-the-social-shame-of-being-broke-nobody-talks-about</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Mon, 06 Apr 2026 17:54:20 +0000</pubDate>
				<category><![CDATA[Mental Health]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[ashamed]]></category>
		<category><![CDATA[dealing with financial stress]]></category>
		<category><![CDATA[Debt and Depression]]></category>
		<category><![CDATA[debt and mental health]]></category>
		<category><![CDATA[Depression]]></category>
		<category><![CDATA[financial stress]]></category>
		<category><![CDATA[poverty]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=247294</guid>

					<description><![CDATA[67% of Americans skipped social events last year because of money — and 56% never told friends why. That silence makes everything worse. Here's what actually helps.]]></description>
		
		
		
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		<media:thumbnail height="429" url="https://getoutofdebt.org/wp-content/uploads/2026/04/too-broke-hang-out-friends-750x429.jpg" width="750"/>
	</item>
		<item>
		<title>What Dave Ramsey Gets Right — and What He Completely Misses</title>
		<link>https://getoutofdebt.org/247062/what-dave-ramsey-gets-right-and-what-he-completely-misses</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 03 Apr 2026 18:04:47 +0000</pubDate>
				<category><![CDATA[Debt Articles]]></category>
		<category><![CDATA[ADHD]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Credit Counseling]]></category>
		<category><![CDATA[dave ramsey]]></category>
		<category><![CDATA[Dave Ramsey alternative]]></category>
		<category><![CDATA[Dave Ramsey criticism]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=247062</guid>

					<description><![CDATA[Dave Ramsey has helped millions — but his advice assumes a brain you may not have. Steve Rhode, who ran a credit counseling org and filed bankruptcy himself, explains where it works and where it doesn't.]]></description>
		
		
		
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		<media:thumbnail url="https://getoutofdebt.org/wp-content/uploads/2026/04/dave-ramsey-financial-advice-strategies-infographic.jpg"/>
	</item>
		<item>
		<title>Retiring With Debt: What Actually Happens (And What the Math Really Says)</title>
		<link>https://getoutofdebt.org/247048/retiring-with-debt-what-actually-happens-and-what-the-math-really-says</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 03 Apr 2026 17:38:27 +0000</pubDate>
				<category><![CDATA[Bankruptcy Information]]></category>
		<category><![CDATA[chapter 13 bankruptcy]]></category>
		<category><![CDATA[chapter 7 bankruptcy]]></category>
		<category><![CDATA[social security]]></category>
		<category><![CDATA[Social Security at 62]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=247048</guid>

					<description><![CDATA[Retiring with debt isn't automatically a crisis — but high-rate credit card debt on fixed income is. Social Security can't be garnished. And cashing out your 401(k) to pay off debt is almost always the wrong move.]]></description>
		
		
		
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		<media:thumbnail height="429" url="https://getoutofdebt.org/wp-content/uploads/2026/04/retiring-with-debt-options-750x429.jpg" width="750"/>
	</item>
		<item>
		<title>Am I Responsible for My Ex-Spouse’s Debt After Divorce?</title>
		<link>https://getoutofdebt.org/247047/am-i-responsible-for-my-ex-spouses-debt-after-divorce</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 03 Apr 2026 17:38:25 +0000</pubDate>
				<category><![CDATA[Bankruptcy Information]]></category>
		<category><![CDATA[chapter 13 bankruptcy]]></category>
		<category><![CDATA[chapter 7 bankruptcy]]></category>
		<category><![CDATA[Community Property]]></category>
		<category><![CDATA[divorce debt]]></category>
		<category><![CDATA[Divorce Debt Solutions]]></category>
		<category><![CDATA[joint debt]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=247047</guid>

					<description><![CDATA[A divorce decree divides debt between you and your ex — but it doesn't tell creditors who they can collect from. Your name on the account is what matters.]]></description>
		
		
		
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		<media:thumbnail height="429" url="https://getoutofdebt.org/wp-content/uploads/2026/04/divorce-debt-responsibility-750x429.jpg" width="750"/>
	</item>
		<item>
		<title>Stellantis/Chrysler Data Breach 2025: What Happened, What To Do Now</title>
		<link>https://getoutofdebt.org/247041/stellantis-chrysler-data-breach-2025-what-happened-what-to-do-now</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 03 Apr 2026 17:38:22 +0000</pubDate>
				<category><![CDATA[Bankruptcy Information]]></category>
		<category><![CDATA[bank data breach]]></category>
		<category><![CDATA[Class Action]]></category>
		<category><![CDATA[class action claim]]></category>
		<category><![CDATA[Data Breach]]></category>
		<category><![CDATA[data breach class action]]></category>
		<category><![CDATA[Identity Theft]]></category>
		<category><![CDATA[identity theft]]></category>
		<category><![CDATA[Richard Chrysler]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=247041</guid>

					<description><![CDATA[Stellantis exposed Social Security numbers in a Christmas 2025 ransomware attack. No settlement yet — but a class action is filed and you can protect yourself now.]]></description>
		
		
		
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	</item>
		<item>
		<title>The CareCredit Deferred Interest Trap: How ‘No Interest’ Becomes a 32.99% Surprise</title>
		<link>https://getoutofdebt.org/247037/the-carecredit-deferred-interest-trap-how-no-interest-becomes-a-32-99-surprise</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 03 Apr 2026 17:38:20 +0000</pubDate>
				<category><![CDATA[Bankruptcy Information]]></category>
		<category><![CDATA[Housing]]></category>
		<category><![CDATA[CareCredit]]></category>
		<category><![CDATA[CFPB medical debt credit reports]]></category>
		<category><![CDATA[consumer financial protection bureau medical debt]]></category>
		<category><![CDATA[credit repair after medical debt]]></category>
		<category><![CDATA[deferred interest trap]]></category>
		<category><![CDATA[Synchrony]]></category>
		<category><![CDATA[Synchrony Bank]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=247037</guid>

					<description><![CDATA[CareCredit's 'no interest if paid in full' isn't 0% APR — it's deferred interest at 32.99%. Miss the deadline by even $1 and you get hit with all the accrued interest at once.]]></description>
		
		
		
				<media:content height="429" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/04/carecredit-deferred-interest-trap-750x429.jpg" width="750"/>
		<media:thumbnail height="429" url="https://getoutofdebt.org/wp-content/uploads/2026/04/carecredit-deferred-interest-trap-750x429.jpg" width="750"/>
	</item>
		<item>
		<title>What Happens If You Ignore a Debt Lawsuit (It’s Worse Than You Think)</title>
		<link>https://getoutofdebt.org/247033/what-happens-if-you-ignore-a-debt-lawsuit-its-worse-than-you-think</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 03 Apr 2026 17:38:18 +0000</pubDate>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Bankruptcy Information]]></category>
		<category><![CDATA[administrative wage garnishment]]></category>
		<category><![CDATA[chapter 13 bankruptcy]]></category>
		<category><![CDATA[chapter 7 bankruptcy]]></category>
		<category><![CDATA[county court judgment]]></category>
		<category><![CDATA[Debt Collection Lawsuit]]></category>
		<category><![CDATA[default judgment]]></category>
		<category><![CDATA[FTC monetary judgment]]></category>
		<category><![CDATA[Wage Garnishment]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=247033</guid>

					<description><![CDATA[Ignoring a debt lawsuit doesn't make it go away — it hands the collector a court order to garnish your wages and freeze your bank account. Here's what a default judgment actually does.]]></description>
		
		
		
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	</item>
		<item>
		<title>Veterans in Financial Crisis: The Debt Protections and Options the System Won’t Tell You About</title>
		<link>https://getoutofdebt.org/247030/veterans-in-financial-crisis-the-debt-protections-and-options-the-system-wont-tell-you-about</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 03 Apr 2026 17:38:15 +0000</pubDate>
				<category><![CDATA[Bankruptcy Information]]></category>
		<category><![CDATA[Military]]></category>
		<category><![CDATA[Active Duty Military]]></category>
		<category><![CDATA[CFPB veterans consumer protection]]></category>
		<category><![CDATA[chapter 13 bankruptcy]]></category>
		<category><![CDATA[chapter 7 bankruptcy]]></category>
		<category><![CDATA[disabled veteran]]></category>
		<category><![CDATA[scra]]></category>
		<category><![CDATA[veteran]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=247030</guid>

					<description><![CDATA[Veterans have a 6% interest rate cap, foreclosure protection, and bankruptcy rules that shield disability pay — but fewer than 1 in 10 ever get the benefits they earned.]]></description>
		
		
		
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	</item>
		<item>
		<title>Stuck in a House You Can’t Afford? Here Are Your Real Options</title>
		<link>https://getoutofdebt.org/247025/stuck-in-a-house-you-cant-afford-here-are-your-real-options</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 03 Apr 2026 17:38:12 +0000</pubDate>
				<category><![CDATA[Bankruptcy Information]]></category>
		<category><![CDATA[Housing]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[avoid foreclosure]]></category>
		<category><![CDATA[chapter 13 bankruptcy]]></category>
		<category><![CDATA[chapter 7 bankruptcy]]></category>
		<category><![CDATA[chapter 7 bankruptcy mortgage]]></category>
		<category><![CDATA[deed in lieu of foreclosure]]></category>
		<category><![CDATA[Mortgage Forbearance]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[strategic default]]></category>
		<category><![CDATA[underwater mortgage]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=247025</guid>

					<description><![CDATA[Stuck in a house you can't afford? Before you drain retirement savings to keep it, read this — sometimes walking away is the smarter move.]]></description>
		
		
		
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		<media:thumbnail height="429" url="https://getoutofdebt.org/wp-content/uploads/2026/04/stuck-house-cant-afford-1-750x429.jpg" width="750"/>
	</item>
		<item>
		<title>How to Eliminate Your Student Loans in Bankruptcy — April 2026</title>
		<link>https://getoutofdebt.org/246943/how-to-eliminate-student-loans-bankruptcy</link>
					<comments>https://getoutofdebt.org/246943/how-to-eliminate-student-loans-bankruptcy#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Thu, 02 Apr 2026 17:15:38 +0000</pubDate>
				<category><![CDATA[AP Student Loan Relief]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Bankruptcy Attorneys and Lawyers]]></category>
		<category><![CDATA[Adversary Proceeding]]></category>
		<category><![CDATA[bapcpa]]></category>
		<category><![CDATA[Brunner test]]></category>
		<category><![CDATA[CFPB]]></category>
		<category><![CDATA[Department of Justice]]></category>
		<category><![CDATA[Jason Iuliano]]></category>
		<category><![CDATA[Josh Cohen]]></category>
		<category><![CDATA[Private Student Loans]]></category>
		<category><![CDATA[Student Loan Bankruptcy]]></category>
		<category><![CDATA[student loan debt]]></category>
		<category><![CDATA[student loan discharge]]></category>
		<category><![CDATA[Undue Hardship]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=246943</guid>

					<description><![CDATA[87% of borrowers who try to discharge student loans in bankruptcy succeed. Here's the research, the process, and how to find an attorney who will actually file.]]></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/student-loan-bankruptcy-discharge-definitive-featured-750x429.jpg" width="750"/>
	</item>
		<item>
		<title>Your Tax Refund Won’t Fix Your Debt — Here’s What Will</title>
		<link>https://getoutofdebt.org/247042/your-tax-refund-wont-fix-your-debt-heres-what-will</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Thu, 02 Apr 2026 16:00:00 +0000</pubDate>
				<category><![CDATA[Get Out of Debt Guy Podcast]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Credit Counseling]]></category>
		<category><![CDATA[Podcast]]></category>
		<category><![CDATA[Student Loan Assistance]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=247042</guid>

					<description><![CDATA[Tax refunds feel like a windfall, but throwing money at credit cards rarely moves the needle. Steve Rhode and Damon Day explain what actually works.]]></description>
		
		
		
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		<media:thumbnail height="750" url="https://getoutofdebt.org/wp-content/uploads/2025/12/GOOD-Podcast-1000-750x750.jpg" width="750"/>
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		<item>
		<title>Lockton Southeast Data Breach Settlement: $9.9M — How to File Your Claim Before April 7</title>
		<link>https://getoutofdebt.org/246926/lockton-southeast-data-breach-settlement-claim</link>
					<comments>https://getoutofdebt.org/246926/lockton-southeast-data-breach-settlement-claim#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Thu, 02 Apr 2026 15:23:09 +0000</pubDate>
				<category><![CDATA[Debt Articles]]></category>
		<category><![CDATA[class action settlement]]></category>
		<category><![CDATA[credit monitoring]]></category>
		<category><![CDATA[Data Breach]]></category>
		<category><![CDATA[data breach settlement]]></category>
		<category><![CDATA[HIPAA]]></category>
		<category><![CDATA[Identity Theft]]></category>
		<category><![CDATA[Lockton Companies]]></category>
		<category><![CDATA[Social Security number]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=246926</guid>

					<description><![CDATA[The Lockton Southeast data breach exposed 1.1 million people's Social Security numbers. A $9.9M settlement pays up to $5,000 per person — but the claim deadline is April 7, 2026.]]></description>
		
					<wfw:commentRss>https://getoutofdebt.org/246926/lockton-southeast-data-breach-settlement-claim/feed</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
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		<media:thumbnail height="429" url="https://getoutofdebt.org/wp-content/uploads/2026/04/lockton-data-breach-settlement-featured-750x429.jpg" width="750"/>
	</item>
		<item>
		<title>Drowning in Private Student Loan Debt? Here’s What’s Actually True</title>
		<link>https://getoutofdebt.org/246921/drowning-private-student-loan-debt-whats-actually-true</link>
					<comments>https://getoutofdebt.org/246921/drowning-private-student-loan-debt-whats-actually-true#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Thu, 02 Apr 2026 15:23:06 +0000</pubDate>
				<category><![CDATA[AP Student Loan Relief]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Bankruptcy Attorneys and Lawyers]]></category>
		<category><![CDATA[Brunner test]]></category>
		<category><![CDATA[debt relief]]></category>
		<category><![CDATA[Department of Justice]]></category>
		<category><![CDATA[Navient]]></category>
		<category><![CDATA[Private Student Loans]]></category>
		<category><![CDATA[Student Loan Bankruptcy]]></category>
		<category><![CDATA[student loan debt]]></category>
		<category><![CDATA[Undue Hardship]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=246921</guid>

					<description><![CDATA[Private student loans don't qualify for forgiveness programs. Here are the real options — including bankruptcy — from someone who's guided thousands through this.]]></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/private-student-loan-bankruptcy-featured-750x429.jpg" width="750"/>
	</item>
		<item>
		<title>Debt After Death: The Complete Family Guide to What You Actually Owe</title>
		<link>https://getoutofdebt.org/246821/debt-after-death-hub</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Wed, 01 Apr 2026 17:39:42 +0000</pubDate>
				<category><![CDATA[Collection Agencies]]></category>
		<category><![CDATA[Death]]></category>
		<category><![CDATA[credit card debt and death of spouse]]></category>
		<category><![CDATA[death]]></category>
		<category><![CDATA[death and debt]]></category>
		<category><![CDATA[Debt Collection]]></category>
		<category><![CDATA[executor]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[inheritance]]></category>
		<category><![CDATA[probate]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=246821</guid>

					<description><![CDATA[When a loved one dies with debt, collectors call immediately — often implying you owe money you legally don't. This complete guide explains what actually happens to debt after death, what family members really owe, and how to protect yourself.]]></description>
		
		
		
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	</item>
		<item>
		<title>On SSI or SSDI With Debt? The Asset Limit Trap Nobody Warns You About Before You Pay</title>
		<link>https://getoutofdebt.org/246681/ssi-ssdi-debt-asset-limit-trap</link>
					<comments>https://getoutofdebt.org/246681/ssi-ssdi-debt-asset-limit-trap#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Wed, 01 Apr 2026 16:44:36 +0000</pubDate>
				<category><![CDATA[Disability]]></category>
		<category><![CDATA[Social Security / SSDI]]></category>
		<category><![CDATA[ABLE accounts]]></category>
		<category><![CDATA[asset limits]]></category>
		<category><![CDATA[chapter 7 bankruptcy]]></category>
		<category><![CDATA[disability benefits]]></category>
		<category><![CDATA[judgment proof]]></category>
		<category><![CDATA[social security]]></category>
		<category><![CDATA[spend-down]]></category>
		<category><![CDATA[SSA]]></category>
		<category><![CDATA[ssdi]]></category>
		<category><![CDATA[ssi]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=246681</guid>

					<description><![CDATA[The SSI $2,000 asset limit has been frozen since 1989 — and paying off debt the wrong way can suspend your benefits. Here's the trap and how to avoid it.]]></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/ssi-ssdi-debt-asset-limit-trap-featured-750x429.jpg" width="750"/>
	</item>
		<item>
		<title>ADHD and Debt: Why Standard Money Advice Doesn’t Work — and What Does</title>
		<link>https://getoutofdebt.org/246691/adhd-debt-spending-impulse-control</link>
					<comments>https://getoutofdebt.org/246691/adhd-debt-spending-impulse-control#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Wed, 01 Apr 2026 16:44:34 +0000</pubDate>
				<category><![CDATA[Behavioral Economics]]></category>
		<category><![CDATA[Mental Health]]></category>
		<category><![CDATA[ADHD]]></category>
		<category><![CDATA[automation]]></category>
		<category><![CDATA[behavioral economics]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[executive function]]></category>
		<category><![CDATA[impulse spending]]></category>
		<category><![CDATA[mental health]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=246691</guid>

					<description><![CDATA[ADHD and debt are connected at the neurological level. Standard money advice fails ADHD brains because it assumes executive function that isn't there. Here's what actually works.]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
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		<item>
		<title>The $400,000 Mistake: Why Cashing Out Your 401(k) to Pay Off Debt Is Almost Always Wrong</title>
		<link>https://getoutofdebt.org/246694/401k-pay-off-debt-400000-mistake</link>
					<comments>https://getoutofdebt.org/246694/401k-pay-off-debt-400000-mistake#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Wed, 01 Apr 2026 16:44:32 +0000</pubDate>
				<category><![CDATA[401(k) 403(b) Retirement Money]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[401k early withdrawal]]></category>
		<category><![CDATA[compound interest growth]]></category>
		<category><![CDATA[compound interest retirement]]></category>
		<category><![CDATA[debt relief]]></category>
		<category><![CDATA[ERISA]]></category>
		<category><![CDATA[ERISA retirement protection]]></category>
		<category><![CDATA[opportunity cost]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement opportunity cost]]></category>
		<category><![CDATA[Retirement Savings]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=246694</guid>

					<description><![CDATA[Cashing out a 401(k) to pay off debt costs far more than you think. A $40,000 withdrawal loses $304,000 in retirement wealth — here is the math nobody runs.]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
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	</item>
		<item>
		<title>Mom (or Dad) Died With Credit Card Debt. You Probably Don’t Owe It — Here’s Exactly Why</title>
		<link>https://getoutofdebt.org/246690/parent-died-credit-card-debt-am-i-responsible</link>
					<comments>https://getoutofdebt.org/246690/parent-died-credit-card-debt-am-i-responsible#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Wed, 01 Apr 2026 16:44:29 +0000</pubDate>
				<category><![CDATA[Consumer Protection]]></category>
		<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[Death]]></category>
		<category><![CDATA[Debt Collection]]></category>
		<category><![CDATA[co-signer]]></category>
		<category><![CDATA[Community Property]]></category>
		<category><![CDATA[death and debt]]></category>
		<category><![CDATA[debt collectors]]></category>
		<category><![CDATA[estate]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[filial responsibility]]></category>
		<category><![CDATA[inherited debt]]></category>
		<category><![CDATA[probate]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=246690</guid>

					<description><![CDATA[If your parent died with credit card debt, you almost certainly don't owe it. Here's exactly who is liable, who isn't, and what to say when collectors call.]]></description>
		
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	</item>
		<item>
		<title>Amazon $2M Unpaid Wages Settlement: Are You in the Class? Here’s How to Claim</title>
		<link>https://getoutofdebt.org/246707/amazon-unpaid-wages-settlement-claim</link>
					<comments>https://getoutofdebt.org/246707/amazon-unpaid-wages-settlement-claim#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Wed, 01 Apr 2026 16:44:26 +0000</pubDate>
				<category><![CDATA[Consumer Protection]]></category>
		<category><![CDATA[Employment]]></category>
		<category><![CDATA[Lawsuit]]></category>
		<category><![CDATA[amazon]]></category>
		<category><![CDATA[Amazon Fresh]]></category>
		<category><![CDATA[Amazon Go]]></category>
		<category><![CDATA[Amazon Retail]]></category>
		<category><![CDATA[class action settlement]]></category>
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		<category><![CDATA[unpaid wages]]></category>
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		<category><![CDATA[Washington State]]></category>
		<category><![CDATA[worker rights]]></category>
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					<description><![CDATA[Amazon agreed to pay $2M to settle unpaid wages claims. Here's who qualifies, how to file your claim, and what you might receive.]]></description>
		
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