<?xml version="1.0" encoding="UTF-8" standalone="no"?><rss xmlns:atom="http://www.w3.org/2005/Atom" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:media="http://search.yahoo.com/mrss/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" version="2.0">

<channel>
	<title>Get Out of Debt Guy</title>
	<atom:link href="https://getoutofdebt.org/feed?newsletter=true" rel="self" type="application/rss+xml"/>
	<link>https://getoutofdebt.org</link>
	<description>Site feed from GetOutOfDebt.org.</description>
	<lastBuildDate>Wed, 22 Jul 2026 20:20:15 +0000</lastBuildDate>
	<language>en-US</language>
	<sy:updatePeriod>
	hourly	</sy:updatePeriod>
	<sy:updateFrequency>
	1	</sy:updateFrequency>
	

<image>
	<url>https://getoutofdebt.org/wp-content/uploads/2022/06/Steve-Avatar-GOOD--150x150.png</url>
	<title>Get Out of Debt Guy – Steve Rhode</title>
	<link>https://getoutofdebt.org</link>
	<width>32</width>
	<height>32</height>
</image> 
	<xhtml:meta content="noindex" name="robots" xmlns:xhtml="http://www.w3.org/1999/xhtml"/><item>
		<title>What Synchrony Just Quietly Told the SEC About Your Credit Card</title>
		<link>https://getoutofdebt.org/264855/synchrony-financial-credit-card-fees-sec-disclosure</link>
		
		<dc:creator/>
		<pubDate>Wed, 22 Jul 2026 20:20:15 +0000</pubDate>
				<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[Credit Card Industry]]></category>
		<category><![CDATA[What They Told Wall Street]]></category>
		<category><![CDATA[CFPB]]></category>
		<category><![CDATA[credit card interest rate]]></category>
		<category><![CDATA[late fees]]></category>
		<category><![CDATA[SEC filing]]></category>
		<category><![CDATA[Synchrony Bank]]></category>
		<category><![CDATA[Synchrony Financial]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=264855</guid>

					<description><![CDATA[Synchrony Financial disclosed to investors that the CFPB's $8 credit card late fee cap was vacated in April 2025 — then collected $5.4 billion in interest and fees from 68.3 million cardholders in Q2 2026. Here is what their SEC filing says about what you pay.]]></description>
		
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/07/synchrony-sec-filing-credit-card-fees-20260722-750x500.png" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/07/synchrony-sec-filing-credit-card-fees-20260722-750x500.png" width="750"/>
	</item>
		<item>
		<title>They Said I’m Automatically on the Hook for My Spouse’s Debt Because We’re Married. Mostly Not True.</title>
		<link>https://getoutofdebt.org/264837/they-said-im-automatically-on-the-hook-for-my-spouses-debt-because-were-married-mostly-not-true</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Wed, 22 Jul 2026 20:11:27 +0000</pubDate>
				<category><![CDATA[They Said What?]]></category>
		<category><![CDATA[authorized user]]></category>
		<category><![CDATA[CFPB]]></category>
		<category><![CDATA[common law state]]></category>
		<category><![CDATA[community property state]]></category>
		<category><![CDATA[consumer debt]]></category>
		<category><![CDATA[Debt Collection]]></category>
		<category><![CDATA[debt myths]]></category>
		<category><![CDATA[joint account holder]]></category>
		<category><![CDATA[joint debt]]></category>
		<category><![CDATA[marital debt]]></category>
		<category><![CDATA[Marriage and Debt]]></category>
		<category><![CDATA[necessaries doctrine]]></category>
		<category><![CDATA[spouse debt liability]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=264837</guid>

					<description><![CDATA[In most of the U.S., marriage alone doesn’t make you liable for your spouse’s debts. But in 9 community-property states, it’s a different story. Here’s the real rule.]]></description>
		
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/07/spouse-debt-liability-myth-truth-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/07/spouse-debt-liability-myth-truth-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>What SoFi Just Told the SEC About Discharging Private Student Loans</title>
		<link>https://getoutofdebt.org/264823/private-student-loan-bankruptcy-discharge-sofi-sec-filing</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Wed, 22 Jul 2026 16:11:32 +0000</pubDate>
				<category><![CDATA[Private Student Loans]]></category>
		<category><![CDATA[Student Loan Bankruptcy Discharge]]></category>
		<category><![CDATA[Student Loan Related]]></category>
		<category><![CDATA[What They Told Wall Street]]></category>
		<category><![CDATA[Adversary Proceeding]]></category>
		<category><![CDATA[bankruptcy discharge]]></category>
		<category><![CDATA[cost of attendance]]></category>
		<category><![CDATA[Homaidan v Sallie Mae]]></category>
		<category><![CDATA[private student loan bankruptcy]]></category>
		<category><![CDATA[qualified education loan]]></category>
		<category><![CDATA[SEC filing]]></category>
		<category><![CDATA[SoFi]]></category>
		<category><![CDATA[Student Loan Bankruptcy]]></category>
		<category><![CDATA[student loan discharge]]></category>
		<category><![CDATA[Undue Hardship]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=264823</guid>

					<description><![CDATA[You've been told private student loans can't be discharged in bankruptcy. SoFi's own SEC filing says some can — here's how to find out if yours qualifies.]]></description>
		
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/07/private-student-loan-bankruptcy-discharge-sofi-750x500.png" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/07/private-student-loan-bankruptcy-discharge-sofi-750x500.png" width="750"/>
	</item>
		<item>
		<title>Day 19: First Trade Since June 23 — My AI Bought Berkshire Hathaway. Here’s the Score. (July 2026)</title>
		<link>https://getoutofdebt.org/264790/day-19-first-trade-since-june-23-my-ai-bought-berkshire-hathaway-heres-the-score-july-2026</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Tue, 21 Jul 2026 20:30:01 +0000</pubDate>
				<category><![CDATA[Investing and Savings]]></category>
		<category><![CDATA[AI investing]]></category>
		<category><![CDATA[AI trading experiment]]></category>
		<category><![CDATA[Berkshire Hathaway]]></category>
		<category><![CDATA[BRK.B]]></category>
		<category><![CDATA[financial experiment]]></category>
		<category><![CDATA[index fund]]></category>
		<category><![CDATA[investing experiment]]></category>
		<category><![CDATA[investing smarter test]]></category>
		<category><![CDATA[S&P 500]]></category>
		<category><![CDATA[stock market]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=264790</guid>

					<description><![CDATA[AI investing test day 19: first fill since June 23 — BRK.B at $490. AI at $1,002.01 (+0.20%), trailing the S&amp;P 500 at $1,005.40 (+0.54%).]]></description>
		
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/07/isd-day19-ai-vs-sp500-scoreboard-1-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/07/isd-day19-ai-vs-sp500-scoreboard-1-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>They Said I Have to Pay the Debt Settlement Company Before They Do Anything</title>
		<link>https://getoutofdebt.org/264788/debt-settlement-advance-fee-first</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Tue, 21 Jul 2026 20:19:05 +0000</pubDate>
				<category><![CDATA[They Said What?]]></category>
		<category><![CDATA[advance fee ban]]></category>
		<category><![CDATA[advance fees]]></category>
		<category><![CDATA[consumer debt]]></category>
		<category><![CDATA[consumer protection]]></category>
		<category><![CDATA[debt relief scam]]></category>
		<category><![CDATA[Debt Settlement Company]]></category>
		<category><![CDATA[debt settlement fees]]></category>
		<category><![CDATA[ftc]]></category>
		<category><![CDATA[FTC 16 CFR Part 310]]></category>
		<category><![CDATA[FTC Telemarketing Sales Rule]]></category>
		<category><![CDATA[illegal debt settlement fees]]></category>
		<category><![CDATA[Telemarketing Sales Rule]]></category>
		<category><![CDATA[Upfront Fee Ban]]></category>
		<category><![CDATA[upfront fee debt settlement]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=264788</guid>

					<description><![CDATA[A debt settlement company telling you to pay a fee before they settle anything isn't industry standard — it's a federal violation. The FTC's Telemarketing Sales Rule has banned advance fees since 2010.]]></description>
		
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/07/debt-settlement-advance-fee-featured-1-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/07/debt-settlement-advance-fee-featured-1-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>They Said Refinancing My Federal Loans Just Gets a Lower Rate — It Costs Far More</title>
		<link>https://getoutofdebt.org/264775/they-said-refinancing-my-federal-loans-just-gets-a-lower-rate-it-costs-far-more</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Tue, 21 Jul 2026 16:21:18 +0000</pubDate>
				<category><![CDATA[They Said What?]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=264775</guid>

					<description><![CDATA[Refinancing federal student loans to a private lender permanently strips income-driven repayment, PSLF, forbearance, and disability discharge — and cannot be undone.]]></description>
		
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/07/refi_featured-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/07/refi_featured-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>They Said a Company Can Get Your Student Loans Forgiven Faster — For a Fee</title>
		<link>https://getoutofdebt.org/264770/student-loan-forgiveness-company-fee-myth</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Tue, 21 Jul 2026 13:58:33 +0000</pubDate>
				<category><![CDATA[They Said What?]]></category>
		<category><![CDATA[consumer protection]]></category>
		<category><![CDATA[Debt Relief Scams]]></category>
		<category><![CDATA[ftc]]></category>
		<category><![CDATA[PSLF]]></category>
		<category><![CDATA[RAP plan]]></category>
		<category><![CDATA[SAVE plan]]></category>
		<category><![CDATA[student loan forgiveness]]></category>
		<category><![CDATA[Student Loan Repayment]]></category>
		<category><![CDATA[student loan scams]]></category>
		<category><![CDATA[student loans]]></category>
		<category><![CDATA[StudentAid.gov]]></category>
		<category><![CDATA[upfront fees]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=264770</guid>

					<description><![CDATA[No company can get your federal student loans forgiven faster — applying is free at StudentAid.gov, and charging upfront fees is often illegal. Here's the proof.]]></description>
		
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/07/student-loan-forgiveness-scam-featured-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/07/student-loan-forgiveness-scam-featured-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>The FTC Settled With Alex Mashinsky for $10 Million — But None of That Goes to Former Celsius Customers. Here’s the Real Recovery Path (and the Scam to Avoid). (July 2026)</title>
		<link>https://getoutofdebt.org/264461/celsius-mashinsky-ftc-settlement-how-to-get-money-back-scam-warning</link>
					<comments>https://getoutofdebt.org/264461/celsius-mashinsky-ftc-settlement-how-to-get-money-back-scam-warning#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Mon, 20 Jul 2026 21:01:19 +0000</pubDate>
				<category><![CDATA[Consumer Protection]]></category>
		<category><![CDATA[Fraud]]></category>
		<category><![CDATA[In The News]]></category>
		<category><![CDATA[Alex Mashinsky]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[bitcoin]]></category>
		<category><![CDATA[Celsius Network]]></category>
		<category><![CDATA[Cryptocurrency]]></category>
		<category><![CDATA[ftc]]></category>
		<category><![CDATA[investment fraud]]></category>
		<category><![CDATA[phishing]]></category>
		<category><![CDATA[Scam Alert]]></category>
		<category><![CDATA[Stretto]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=264461</guid>

					<description><![CDATA[The FTC settled with Alex Mashinsky for $10M — but none of that reaches former Celsius customers. Your real recovery runs through the bankruptcy estate. Here's how.]]></description>
		
					<wfw:commentRss>https://getoutofdebt.org/264461/celsius-mashinsky-ftc-settlement-how-to-get-money-back-scam-warning/feed</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/07/celsius-mashinsky-ftc-settlement-featured-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/07/celsius-mashinsky-ftc-settlement-featured-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>They Said Paying the Minimum Is Fine. The Warning Box on Your Own Statement Says Otherwise.</title>
		<link>https://getoutofdebt.org/264444/they-said-paying-the-minimum-is-fine-the-warning-box-on-your-own-statement-says-otherwise</link>
					<comments>https://getoutofdebt.org/264444/they-said-paying-the-minimum-is-fine-the-warning-box-on-your-own-statement-says-otherwise#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Mon, 20 Jul 2026 20:58:59 +0000</pubDate>
				<category><![CDATA[They Said What?]]></category>
		<category><![CDATA[CARD Act]]></category>
		<category><![CDATA[consumer protection]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[credit card statement]]></category>
		<category><![CDATA[debt payoff]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[minimum payment]]></category>
		<category><![CDATA[money myths]]></category>
		<category><![CDATA[regulation z]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=264444</guid>

					<description><![CDATA[Federal law requires your credit card company to print a bold warning on every statement showing how long and how much minimum payments will cost. The numbers are shocking.]]></description>
		
					<wfw:commentRss>https://getoutofdebt.org/264444/they-said-paying-the-minimum-is-fine-the-warning-box-on-your-own-statement-says-otherwise/feed</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/07/minimum-payment-myth-warning-box-1-750x500.png" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/07/minimum-payment-myth-warning-box-1-750x500.png" width="750"/>
	</item>
		<item>
		<title>Day 18: My AI Screened 9 Stocks and Said No to All of Them. Here’s the Score. (July 2026)</title>
		<link>https://getoutofdebt.org/264459/day-18-my-ai-screened-9-stocks-and-said-no-to-all-of-them-heres-the-score-july-2026</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Mon, 20 Jul 2026 16:00:00 +0000</pubDate>
				<category><![CDATA[Investing and Savings]]></category>
		<category><![CDATA[AI investing]]></category>
		<category><![CDATA[financial experiment]]></category>
		<category><![CDATA[HOLD]]></category>
		<category><![CDATA[index fund]]></category>
		<category><![CDATA[investing smarter test]]></category>
		<category><![CDATA[market discipline]]></category>
		<category><![CDATA[S&P 500]]></category>
		<category><![CDATA[stock market]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=264459</guid>

					<description><![CDATA[AI investing test day 18: screened 9 stocks, bought nothing. AI $997.20 vs S&amp;P 500 $997.09 — essentially tied. Full scoreboard inside.]]></description>
		
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/07/isd-day18-scoreboard-1-750x500.png" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/07/isd-day18-scoreboard-1-750x500.png" width="750"/>
	</item>
		<item>
		<title>I Paid Off My Collection — So Why Is It Still on My Credit Report?</title>
		<link>https://getoutofdebt.org/264150/i-paid-off-my-collection-so-why-is-it-still-on-my-credit-report</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Mon, 20 Jul 2026 02:35:31 +0000</pubDate>
				<category><![CDATA[They Said What?]]></category>
		<category><![CDATA[collections]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[Credit Report]]></category>
		<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Debt Collection]]></category>
		<category><![CDATA[Debt Validation]]></category>
		<category><![CDATA[FCRA]]></category>
		<category><![CDATA[fico]]></category>
		<category><![CDATA[medical debt]]></category>
		<category><![CDATA[Pay for Delete]]></category>
		<category><![CDATA[Statute of Limitations]]></category>
		<category><![CDATA[VantageScore]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=264150</guid>

					<description><![CDATA[Paying a collection doesn't remove it. It stays about seven years from your original delinquency, and whether your score rises depends on which model your lender pulls.]]></description>
		
		
		
				<media:content medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/07/paid-collection-scoring-models-infographic.jpg"/>
		<media:thumbnail url="https://getoutofdebt.org/wp-content/uploads/2026/07/paid-collection-scoring-models-infographic.jpg"/>
	</item>
		<item>
		<title>Green v. Citizens Debt Relief, LLC, Case No. 8:26-cv-02028</title>
		<link>https://getoutofdebt.org/debt-relief-lawsuits/263275/green-v-citizens-debt-relief-llc-73624334-2/</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Thu, 16 Jul 2026 13:43:54 +0000</pubDate>
				<category><![CDATA[Debt Settlement]]></category>
		<category><![CDATA[Federal Cases]]></category>
		<category><![CDATA[Citizens Debt Relief, LLC]]></category>
		<category><![CDATA[CROA]]></category>
		<category><![CDATA[Debt Collection Harassment]]></category>
		<category><![CDATA[Deceptive Advertising]]></category>
		<category><![CDATA[False Representations]]></category>
		<category><![CDATA[FCSOA]]></category>
		<category><![CDATA[FTC Act]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/debt-relief-lawsuits/263275/green-v-citizens-debt-relief-llc-73624334-2/</guid>

					<description><![CDATA[An individual consumer lawsuit filed July 15, 2026 against Citizens Debt Relief, LLC in the U.S. District Court, M.D. Florida.]]></description>
		
		
		
				<media:content height="429" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/02/federal-courthouse-featured-750x429.jpg" width="750"/>
		<media:thumbnail height="429" url="https://getoutofdebt.org/wp-content/uploads/2026/02/federal-courthouse-featured-750x429.jpg" width="750"/>
	</item>
		<item>
		<title>The Fed Just Stopped Telling You What Comes Next — Here’s Why That Changes Your Debt Strategy (July 2026)</title>
		<link>https://getoutofdebt.org/262979/the-fed-just-stopped-telling-you-what-comes-next-heres-why-that-changes-your-debt-strategy-july-2026</link>
		
		<dc:creator/>
		<pubDate>Wed, 15 Jul 2026 19:13:39 +0000</pubDate>
				<category><![CDATA[Debt Articles]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[In The News]]></category>
		<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[debt payoff]]></category>
		<category><![CDATA[debt strategy]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[federal reserve]]></category>
		<category><![CDATA[FOMC]]></category>
		<category><![CDATA[forward guidance]]></category>
		<category><![CDATA[Inflation]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Kevin Warsh]]></category>
		<category><![CDATA[rate hike]]></category>
		<category><![CDATA[Steve's Take]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=262979</guid>

					<description><![CDATA[Fed Chair Kevin Warsh eliminated forward guidance at his first meeting. The era of ‘waiting for the Fed signal’ to act on your debt is officially over.]]></description>
		
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/07/fed-no-forward-guidance-debt-strategy-july-2026-750x500.png" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/07/fed-no-forward-guidance-debt-strategy-july-2026-750x500.png" width="750"/>
	</item>
		<item>
		<title>Gas Prices Just Dropped More Than 9% for the First Time in Months — Here’s the Move Most People Will Miss (July 2026)</title>
		<link>https://getoutofdebt.org/262975/gas-prices-dropped-june-2026-found-money-debt</link>
					<comments>https://getoutofdebt.org/262975/gas-prices-dropped-june-2026-found-money-debt#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Wed, 15 Jul 2026 18:59:01 +0000</pubDate>
				<category><![CDATA[Debt Articles]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[In The News]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[consumer prices]]></category>
		<category><![CDATA[cost of living]]></category>
		<category><![CDATA[found money]]></category>
		<category><![CDATA[gas prices]]></category>
		<category><![CDATA[Inflation]]></category>
		<category><![CDATA[lifestyle inflation debt]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=262975</guid>

					<description><![CDATA[Gas prices fell more than 9% in June 2026 — the biggest drop in months. Here's what that means for your budget and the one move most people will miss.]]></description>
		
					<wfw:commentRss>https://getoutofdebt.org/262975/gas-prices-dropped-june-2026-found-money-debt/feed</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/07/gas-prices-dropped-june-2026-750x500.png" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/07/gas-prices-dropped-june-2026-750x500.png" width="750"/>
	</item>
		<item>
		<title>The Headlines Said a Rate Hike Was Coming. Then the Data Said the Opposite. Here’s What It Means for Your Debt. (July 2026)</title>
		<link>https://getoutofdebt.org/262971/cpi-cooled-fed-rate-hike-headlines-vs-data-july-2026</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Wed, 15 Jul 2026 18:43:08 +0000</pubDate>
				<category><![CDATA[Debt Articles]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[In The News]]></category>
		<category><![CDATA[credit card interest rates]]></category>
		<category><![CDATA[federal reserve]]></category>
		<category><![CDATA[Inflation]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Kevin Warsh]]></category>
		<category><![CDATA[rate hike]]></category>
		<category><![CDATA[Variable Rate Debt]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=262971</guid>

					<description><![CDATA[CPI fell 0.4% in June — the opposite of what rate-hike headlines warned. Here's what the data actually says and why it matters for your debt plan.]]></description>
		
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/07/rate-hike-cpi-cool-july-2026-1-750x500.png" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/07/rate-hike-cpi-cool-july-2026-1-750x500.png" width="750"/>
	</item>
		<item>
		<title>Day 17: My AI Screened Over 200 Stocks Today and Bought Exactly None. Here’s the Score. (July 2026)</title>
		<link>https://getoutofdebt.org/262962/investing-smarter-test-day-17</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Wed, 15 Jul 2026 13:00:00 +0000</pubDate>
				<category><![CDATA[Investing and Savings]]></category>
		<category><![CDATA[AI investing]]></category>
		<category><![CDATA[financial experiment]]></category>
		<category><![CDATA[index fund]]></category>
		<category><![CDATA[investing smarter test]]></category>
		<category><![CDATA[S&P 500]]></category>
		<category><![CDATA[stock market]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=262962</guid>

					<description><![CDATA[AI investing test Day 17: screened 200+ stocks, bought zero. AI at $1,003.44 (+0.34%) vs S&amp;P 500 at $1,010.15 (+1.01%). The index is winning by $6.71.]]></description>
		
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/07/isd-day17-scoreboard-750x500.png" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/07/isd-day17-scoreboard-750x500.png" width="750"/>
	</item>
		<item>
		<title>Can I File Bankruptcy If My Income Is Irregular? What Gig Workers and the Self-Employed Need to Know About Their Retirement</title>
		<link>https://getoutofdebt.org/262666/bankruptcy-gig-worker-irregular-income-retirement</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Tue, 14 Jul 2026 19:43:06 +0000</pubDate>
				<category><![CDATA[Bankruptcy Information]]></category>
		<category><![CDATA[1099]]></category>
		<category><![CDATA[afford to file bankruptcy]]></category>
		<category><![CDATA[afraid of bankruptcy]]></category>
		<category><![CDATA[Afraid to File Bankruptcy]]></category>
		<category><![CDATA[after bankruptcy]]></category>
		<category><![CDATA[chapter 7]]></category>
		<category><![CDATA[chapter 7 bankruptcy]]></category>
		<category><![CDATA[chapter 7 bankruptcy discharge]]></category>
		<category><![CDATA[Chapter 7 bankruptcy filings]]></category>
		<category><![CDATA[Gig Economy]]></category>
		<category><![CDATA[gig economy debt management]]></category>
		<category><![CDATA[self employed debt strategy]]></category>
		<category><![CDATA[self-employed]]></category>
		<category><![CDATA[Self-Employed Mortgage]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=262666</guid>

					<description><![CDATA[Yes, you can file bankruptcy with irregular gig or self-employed income — the means test uses a 6-month average. And your 401(k) and IRA are protected.]]></description>
		
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/07/bankruptcy-gig-worker-retirement-featured-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/07/bankruptcy-gig-worker-retirement-featured-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>They Said Checking My Own Credit Score Hurts It. It Doesn’t — Here’s the Difference.</title>
		<link>https://getoutofdebt.org/262659/checking-own-credit-hurts-score</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Tue, 14 Jul 2026 19:16:54 +0000</pubDate>
				<category><![CDATA[They Said What?]]></category>
		<category><![CDATA[annual credit report]]></category>
		<category><![CDATA[authorized user credit score]]></category>
		<category><![CDATA[bankruptcy credit score]]></category>
		<category><![CDATA[bankruptcy effect credit score]]></category>
		<category><![CDATA[better credit score]]></category>
		<category><![CDATA[CFPB medical debt credit reports]]></category>
		<category><![CDATA[change credit report]]></category>
		<category><![CDATA[Clean Credit Report Services]]></category>
		<category><![CDATA[Credit Karma credit monitoring]]></category>
		<category><![CDATA[Credit Karma vs FICO]]></category>
		<category><![CDATA[credit monitoring]]></category>
		<category><![CDATA[fico]]></category>
		<category><![CDATA[FICO Credit Score]]></category>
		<category><![CDATA[fico score]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=262659</guid>

					<description><![CDATA[Does checking your own credit score hurt it? No — that's a myth. Checking your own credit is a soft inquiry with zero score impact. Here's the real difference.]]></description>
		
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/07/checking-own-credit-score-featured-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/07/checking-own-credit-score-featured-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>Day 16: My AI Looked at Four Stocks It Could Have Bought Today. It Said No to All of Them. (July 2026)</title>
		<link>https://getoutofdebt.org/262645/day-16-my-ai-looked-at-four-stocks-it-could-have-bought-today-it-said-no-to-all-of-them-july-2026</link>
					<comments>https://getoutofdebt.org/262645/day-16-my-ai-looked-at-four-stocks-it-could-have-bought-today-it-said-no-to-all-of-them-july-2026#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Tue, 14 Jul 2026 15:45:26 +0000</pubDate>
				<category><![CDATA[Investing and Savings]]></category>
		<category><![CDATA[AI investing]]></category>
		<category><![CDATA[financial experiment]]></category>
		<category><![CDATA[index fund]]></category>
		<category><![CDATA[investing smarter test]]></category>
		<category><![CDATA[S&P 500]]></category>
		<category><![CDATA[stock market]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/262645/day-16-my-ai-looked-at-four-stocks-it-could-have-bought-today-it-said-no-to-all-of-them-july-2026</guid>

					<description><![CDATA[On Day 16 of my AI investing experiment, the AI surfaced four real buy candidates — EOG, ABBV, CRM, and TRIP — researched each one, and passed on all of them. Not because a rule blocked it. Because none cleared the bar. Here's the full reasoning and the scoreboard: AI $1,002.51 vs. S&amp;P 500 $1,002.28.]]></description>
		
					<wfw:commentRss>https://getoutofdebt.org/262645/day-16-my-ai-looked-at-four-stocks-it-could-have-bought-today-it-said-no-to-all-of-them-july-2026/feed</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/07/isd-day16-scoreboard-july2026-1-750x500.png" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/07/isd-day16-scoreboard-july2026-1-750x500.png" width="750"/>
	</item>
		<item>
		<title>Day 15: The AI Found a Stock It Wanted to Buy. Its Own Rule Said No. Here’s the Score. (July 2026)</title>
		<link>https://getoutofdebt.org/262359/investing-smarter-test-day-15</link>
					<comments>https://getoutofdebt.org/262359/investing-smarter-test-day-15#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Mon, 13 Jul 2026 16:57:02 +0000</pubDate>
				<category><![CDATA[Investing and Savings]]></category>
		<category><![CDATA[ADBE]]></category>
		<category><![CDATA[Adobe]]></category>
		<category><![CDATA[AI investing]]></category>
		<category><![CDATA[financial experiment]]></category>
		<category><![CDATA[index fund]]></category>
		<category><![CDATA[investing smarter test]]></category>
		<category><![CDATA[S&P 500]]></category>
		<category><![CDATA[stock market]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=262359</guid>

					<description><![CDATA[AI investing test day 15: the AI wanted to buy Adobe (ADBE) but its own 48-hour macro rule blocked the entry. AI at $1,003.52 vs. S&amp;P 500 at $1,010.76. Here's the full score.]]></description>
		
					<wfw:commentRss>https://getoutofdebt.org/262359/investing-smarter-test-day-15/feed</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/07/isd-day15-blocked-entry-featured-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/07/isd-day15-blocked-entry-featured-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>They Said the IRS Will Take Your House and Throw You in Jail for Back Taxes. Here’s the Real Risk.</title>
		<link>https://getoutofdebt.org/262348/they-said-the-irs-will-take-your-house-and-throw-you-in-jail-for-back-taxes-heres-the-real-risk</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Mon, 13 Jul 2026 16:46:43 +0000</pubDate>
				<category><![CDATA[They Said What?]]></category>
		<category><![CDATA[back taxes]]></category>
		<category><![CDATA[IRS Levy]]></category>
		<category><![CDATA[IRS Tax Debt]]></category>
		<category><![CDATA[offer in compromise]]></category>
		<category><![CDATA[owe back taxes]]></category>
		<category><![CDATA[tax debt]]></category>
		<category><![CDATA[Tax evasion]]></category>
		<category><![CDATA[tax lien]]></category>
		<category><![CDATA[They Said What]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=262348</guid>

					<description><![CDATA[The IRS can take your house and throw you in jail for back taxes — or can they? Here's the precise truth: home seizure requires a federal court order, and jail requires willful fraud. Learn what the IRS actually does when you owe, and the resolution options that can help.]]></description>
		
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/07/irs-back-taxes-house-jail-myth-featured-1-750x500.png" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/07/irs-back-taxes-house-jail-myth-featured-1-750x500.png" width="750"/>
	</item>
		<item>
		<title>Oil Just Spiked, Treasury Yields Hit a 16-Month High, and the Market Flipped to Betting on a Rate Hike — If You’re Still Waiting for Rate Cuts, Read This (July 2026)</title>
		<link>https://getoutofdebt.org/262332/oil-spike-treasury-yields-16-month-high-rate-hike-bet-july-2026</link>
					<comments>https://getoutofdebt.org/262332/oil-spike-treasury-yields-16-month-high-rate-hike-bet-july-2026#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Mon, 13 Jul 2026 15:57:44 +0000</pubDate>
				<category><![CDATA[Debt Articles]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[In The News]]></category>
		<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[federal reserve]]></category>
		<category><![CDATA[HELOC]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Oil Prices]]></category>
		<category><![CDATA[rate hike]]></category>
		<category><![CDATA[Strait of Hormuz]]></category>
		<category><![CDATA[Treasury Yields]]></category>
		<category><![CDATA[Variable Rate Debt]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/262332/oil-spike-treasury-yields-16-month-high-rate-hike-bet-july-2026</guid>

					<description><![CDATA[The 2-year Treasury yield hit 4.24% as oil jumped 4% after U.S.-Iran strikes. Traders now nearly fully price a September Fed rate hike. Here's what it means for your variable-rate debt.]]></description>
		
					<wfw:commentRss>https://getoutofdebt.org/262332/oil-spike-treasury-yields-16-month-high-rate-hike-bet-july-2026/feed</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/07/oil-hormuz-treasury-yield-rate-hike-july-2026-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/07/oil-hormuz-treasury-yield-rate-hike-july-2026-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>The FTC Just Caught a Tenant-Screening Company Reporting Your Record Wrong — Here’s How to Pull the Report That Could Cost You an Apartment (July 2026)</title>
		<link>https://getoutofdebt.org/262328/rentgrow-ftc-settlement-tenant-screening-report-dispute</link>
					<comments>https://getoutofdebt.org/262328/rentgrow-ftc-settlement-tenant-screening-report-dispute#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Mon, 13 Jul 2026 15:46:34 +0000</pubDate>
				<category><![CDATA[Consumer Protection]]></category>
		<category><![CDATA[Credit Report / Credit Score]]></category>
		<category><![CDATA[In The News]]></category>
		<category><![CDATA[Background check]]></category>
		<category><![CDATA[consumer rights]]></category>
		<category><![CDATA[Fair Credit Reporting Act]]></category>
		<category><![CDATA[FCRA]]></category>
		<category><![CDATA[ftc]]></category>
		<category><![CDATA[FTC enforcement]]></category>
		<category><![CDATA[RentGrow]]></category>
		<category><![CDATA[Tenant Screening]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=262328</guid>

					<description><![CDATA[The FTC alleged RentGrow included duplicate eviction and criminal records in tenant-screening reports. Here's how to pull and dispute your own file — a separate system from your credit report.]]></description>
		
					<wfw:commentRss>https://getoutofdebt.org/262328/rentgrow-ftc-settlement-tenant-screening-report-dispute/feed</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/07/rentgrow-ftc-settlement-tenant-screening-featured-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/07/rentgrow-ftc-settlement-tenant-screening-featured-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>Amazon Just Settled Over Its Gambling-Style Casino Apps — But This One Won’t Put a Dollar in Your Pocket</title>
		<link>https://getoutofdebt.org/262324/amazon-social-casino-settlement-what-actually-happened</link>
					<comments>https://getoutofdebt.org/262324/amazon-social-casino-settlement-what-actually-happened#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Mon, 13 Jul 2026 15:35:54 +0000</pubDate>
				<category><![CDATA[In The News]]></category>
		<category><![CDATA[amazon]]></category>
		<category><![CDATA[Big Fish Casino]]></category>
		<category><![CDATA[class action settlement]]></category>
		<category><![CDATA[Epic Diamond Slots]]></category>
		<category><![CDATA[gambling debt]]></category>
		<category><![CDATA[Jackpot Magic Slots]]></category>
		<category><![CDATA[settlement scam warning]]></category>
		<category><![CDATA[social casino apps]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=262324</guid>

					<description><![CDATA[Amazon's social casino app settlement sounds big but pays consumers $0 directly. What the preliminary deal actually means, why no claim exists yet, and what to watch for.]]></description>
		
					<wfw:commentRss>https://getoutofdebt.org/262324/amazon-social-casino-settlement-what-actually-happened/feed</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/07/amazon-social-casino-settlement-featured-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/07/amazon-social-casino-settlement-featured-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>Roberson v. Alleviate Financial Solutions LLC, Case No. 4:26-cv-00840</title>
		<link>https://getoutofdebt.org/debt-relief-lawsuits/261542/26-cv-00840/</link>
		
		<dc:creator><![CDATA[Research Department]]></dc:creator>
		<pubDate>Mon, 13 Jul 2026 15:13:39 +0000</pubDate>
				<category><![CDATA[Debt Settlement]]></category>
		<category><![CDATA[Federal Cases]]></category>
		<category><![CDATA[Alleviate Financial Solutions LLC]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/debt-relief-lawsuits/261542/26-cv-00840/</guid>

					<description><![CDATA[Roberson v. Alleviate Financial Solutions LLC: Federal lawsuit filed in U.S. District Court (DISTRICT COURT, N.D. TEXAS), Case No. 4:26-cv-00840. Complaint p...]]></description>
		
		
		
				<media:content height="429" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/02/federal-courthouse-featured-750x429.jpg" width="750"/>
		<media:thumbnail height="429" url="https://getoutofdebt.org/wp-content/uploads/2026/02/federal-courthouse-featured-750x429.jpg" width="750"/>
	</item>
		<item>
		<title>Day 14: The AI Held Through a Scary Drop. The Index Fund Pulled Ahead. Here’s the Score.</title>
		<link>https://getoutofdebt.org/261529/investing-smarter-test-day-14</link>
					<comments>https://getoutofdebt.org/261529/investing-smarter-test-day-14#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 10 Jul 2026 16:03:56 +0000</pubDate>
				<category><![CDATA[Investing and Savings]]></category>
		<category><![CDATA[AI investing]]></category>
		<category><![CDATA[financial experiment]]></category>
		<category><![CDATA[index fund]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[investing smarter test]]></category>
		<category><![CDATA[Robinhood]]></category>
		<category><![CDATA[S&P 500]]></category>
		<category><![CDATA[stock market]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=261529</guid>

					<description><![CDATA[AI investing test day 14: the AI held through a 4% drop and passed on two trades — and is now $4.66 behind a plain S&amp;P 500 index fund. Here's the full score.]]></description>
		
					<wfw:commentRss>https://getoutofdebt.org/261529/investing-smarter-test-day-14/feed</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/07/isd-day14-featured-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/07/isd-day14-featured-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>They Said Student Loans Can Never Be Discharged in Bankruptcy. That Quietly Changed in 2022.</title>
		<link>https://getoutofdebt.org/261524/student-loans-discharged-bankruptcy-myth-2022-change</link>
					<comments>https://getoutofdebt.org/261524/student-loans-discharged-bankruptcy-myth-2022-change#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 10 Jul 2026 16:01:37 +0000</pubDate>
				<category><![CDATA[They Said What?]]></category>
		<category><![CDATA[Adversary Proceeding]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[bankruptcy discharge]]></category>
		<category><![CDATA[chapter 7]]></category>
		<category><![CDATA[debt myths]]></category>
		<category><![CDATA[department of education]]></category>
		<category><![CDATA[Department of Justice]]></category>
		<category><![CDATA[federal student loans]]></category>
		<category><![CDATA[student loan discharge]]></category>
		<category><![CDATA[student loans]]></category>
		<category><![CDATA[They Said What]]></category>
		<category><![CDATA[Undue Hardship]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=261524</guid>

					<description><![CDATA[“You can never discharge student loans in bankruptcy” is a myth. Federal loans can be — and since 2022 the government is directed to support it. Here’s the truth.]]></description>
		
					<wfw:commentRss>https://getoutofdebt.org/261524/student-loans-discharged-bankruptcy-myth-2022-change/feed</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/07/student-loan-discharge-tsw-featured-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/07/student-loan-discharge-tsw-featured-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>The IRS “July 10” Tax Refund Deadline Everyone’s Talking About — Here’s What It Actually Means (and Whether It’s You)</title>
		<link>https://getoutofdebt.org/261509/irs-july-10-2026-covid-protective-refund-claim-deadline</link>
					<comments>https://getoutofdebt.org/261509/irs-july-10-2026-covid-protective-refund-claim-deadline#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 10 Jul 2026 15:25:50 +0000</pubDate>
				<category><![CDATA[In The News]]></category>
		<category><![CDATA[COVID-19]]></category>
		<category><![CDATA[Form 843]]></category>
		<category><![CDATA[irs]]></category>
		<category><![CDATA[Kwong v United States]]></category>
		<category><![CDATA[Protective Claim]]></category>
		<category><![CDATA[Recovery Rebate Credit]]></category>
		<category><![CDATA[Tax Deadline]]></category>
		<category><![CDATA[tax debt]]></category>
		<category><![CDATA[tax refund]]></category>
		<category><![CDATA[Taxpayer Advocate]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=261509</guid>

					<description><![CDATA[The July 10 IRS deadline in the headlines isn’t what most coverage claims. Here’s what it actually is — and whether it’s even about you.]]></description>
		
					<wfw:commentRss>https://getoutofdebt.org/261509/irs-july-10-2026-covid-protective-refund-claim-deadline/feed</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/07/covid-refund-july10-featured-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/07/covid-refund-july10-featured-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>Why You Shouldn’t Call a Debt Settlement Salesperson</title>
		<link>https://getoutofdebt.org/261226/why-you-shouldnt-call-a-debt-settlement-salesperson</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Thu, 09 Jul 2026 20:23:31 +0000</pubDate>
				<category><![CDATA[Get Out of Debt Guy Podcast]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Credit Counseling]]></category>
		<category><![CDATA[Debt Settlement]]></category>
		<category><![CDATA[Podcast]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=261226</guid>

					<description><![CDATA[A fired debt settlement salesperson's court journal exposes the quotas behind the sales call — and how tax debt really can be discharged in bankruptcy.]]></description>
		
		
		
				<media:content height="750" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2025/12/GOOD-Podcast-1000-750x750.jpg" width="750"/>
		<media:thumbnail height="750" url="https://getoutofdebt.org/wp-content/uploads/2025/12/GOOD-Podcast-1000-750x750.jpg" width="750"/>
	</item>
		<item>
		<title>They Said You Lose Everything You Own in Bankruptcy. Here’s What the Law Actually Protects.</title>
		<link>https://getoutofdebt.org/261211/lose-everything-bankruptcy-myth-exemptions</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Thu, 09 Jul 2026 18:46:10 +0000</pubDate>
				<category><![CDATA[They Said What?]]></category>
		<category><![CDATA[1st Beneficial Credit Services]]></category>
		<category><![CDATA[2025 Retirement Statistics]]></category>
		<category><![CDATA[ABC Debt Relief]]></category>
		<category><![CDATA[afford to file bankruptcy]]></category>
		<category><![CDATA[bankruptcy exemptions]]></category>
		<category><![CDATA[bankruptcy myths]]></category>
		<category><![CDATA[chapter 7]]></category>
		<category><![CDATA[debt myths]]></category>
		<category><![CDATA[homestead exemption]]></category>
		<category><![CDATA[They Said What]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=261211</guid>

					<description><![CDATA[They said bankruptcy takes everything you own. It's a myth: federal exemptions protect your home, car, and retirement. Here's what the law actually shields.]]></description>
		
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/07/tsw-lose-everything-bankruptcy-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/07/tsw-lose-everything-bankruptcy-750x500.jpg" width="750"/>
	</item>
	</channel>
</rss>