<?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>Fri, 11 Sep 2026 14:57:59 +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>FCA’s Valve Train Warranty Settlement: What’s Automatic — and What You Have to Claim by October 12, 2026</title>
		<link>https://getoutofdebt.org/269908/fca-valve-train-warranty-settlement-ram-jeep-dodge-chrysler</link>
					<comments>https://getoutofdebt.org/269908/fca-valve-train-warranty-settlement-ram-jeep-dodge-chrysler#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 11 Sep 2026 14:57:59 +0000</pubDate>
				<category><![CDATA[Consumer Protection]]></category>
		<category><![CDATA[automotive]]></category>
		<category><![CDATA[California emissions warranty]]></category>
		<category><![CDATA[car repair]]></category>
		<category><![CDATA[Chrysler]]></category>
		<category><![CDATA[class action settlement]]></category>
		<category><![CDATA[consumer rights]]></category>
		<category><![CDATA[Dodge]]></category>
		<category><![CDATA[FCA]]></category>
		<category><![CDATA[Jeep]]></category>
		<category><![CDATA[ram]]></category>
		<category><![CDATA[Regueiro v FCA US]]></category>
		<category><![CDATA[warranty]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269908</guid>

					<description><![CDATA[A proposed FCA settlement covers Ram, Jeep, Dodge and Chrysler valve train warranty claims in 11 states — but only half the benefit happens automatically. Here's the deadline that matters.]]></description>
		
					<wfw:commentRss>https://getoutofdebt.org/269908/fca-valve-train-warranty-settlement-ram-jeep-dodge-chrysler/feed</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/09/fca-warranty-settlement-featured-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/09/fca-warranty-settlement-featured-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>The IRS Filed a Tax Lien Against Me. Here’s What to Do Right Now.</title>
		<link>https://getoutofdebt.org/269901/the-irs-filed-a-tax-lien-against-me-heres-what-to-do-right-now</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 11 Sep 2026 14:57:47 +0000</pubDate>
				<category><![CDATA[Crisis Guide]]></category>
		<category><![CDATA[automatic stay]]></category>
		<category><![CDATA[back taxes]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Credit Report]]></category>
		<category><![CDATA[crisis guide]]></category>
		<category><![CDATA[Currently Not Collectible]]></category>
		<category><![CDATA[IRS Installment Agreement]]></category>
		<category><![CDATA[IRS Tax Debt]]></category>
		<category><![CDATA[lien withdrawal]]></category>
		<category><![CDATA[Notice of Federal Tax Lien]]></category>
		<category><![CDATA[offer in compromise]]></category>
		<category><![CDATA[Tax Debt Relief]]></category>
		<category><![CDATA[tax lien]]></category>
		<category><![CDATA[Taxpayer Advocate]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269901</guid>

					<description><![CDATA[The IRS filed a lien against you, not a levy. Learn the 30-day appeal deadline, how to get it released or withdrawn, and whether bankruptcy helps.]]></description>
		
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/09/irs-tax-lien-featured-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/09/irs-tax-lien-featured-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>Damon Day’s Tesla Has 185,000 Miles. Here’s What 6 Years of Repairs Really Cost.</title>
		<link>https://getoutofdebt.org/269896/tesla-185000-miles-6-year-repair-cost</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 11 Sep 2026 14:34:53 +0000</pubDate>
				<category><![CDATA[Penny Stupid Project]]></category>
		<category><![CDATA[car loan debt]]></category>
		<category><![CDATA[car repair]]></category>
		<category><![CDATA[Damon Day]]></category>
		<category><![CDATA[debt prevention]]></category>
		<category><![CDATA[Electric Vehicle]]></category>
		<category><![CDATA[EV ownership costs]]></category>
		<category><![CDATA[Model Y]]></category>
		<category><![CDATA[Tesla]]></category>
		<category><![CDATA[total cost of ownership]]></category>
		<category><![CDATA[vehicle maintenance]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269896</guid>

					<description><![CDATA[Damon Day's Tesla hit 185,000 miles and a $4,006 repair bill. I break down 6 years of repairs — about 4 cents a mile — and what it means if you're financing a car.]]></description>
		
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/09/tesla-185000-miles-repair-cost-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/09/tesla-185000-miles-repair-cost-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>They Say My Unemployment Overpayment Was Fraud. Here’s What to Do Right Now.</title>
		<link>https://getoutofdebt.org/269859/they-say-my-unemployment-overpayment-was-fraud-heres-what-to-do-right-now</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Thu, 10 Sep 2026 16:49:37 +0000</pubDate>
				<category><![CDATA[Crisis Guide]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[consumer rights]]></category>
		<category><![CDATA[criminal prosecution]]></category>
		<category><![CDATA[dischargeability]]></category>
		<category><![CDATA[government debt]]></category>
		<category><![CDATA[Identity Theft]]></category>
		<category><![CDATA[overpayment]]></category>
		<category><![CDATA[pandemic unemployment]]></category>
		<category><![CDATA[unemployment]]></category>
		<category><![CDATA[unemployment benefits]]></category>
		<category><![CDATA[unemployment fraud]]></category>
		<category><![CDATA[unemployment overpayment]]></category>
		<category><![CDATA[willful misrepresentation]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269859</guid>

					<description><![CDATA[A fraud finding on your unemployment overpayment means non-waivable penalties and criminal exposure. Here's how to appeal it, starting today.]]></description>
		
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/09/unemployment-overpayment-fraud-featured-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/09/unemployment-overpayment-fraud-featured-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>The DOJ Just Published Its 2025 Bankruptcy Audit Numbers. Here’s How Rare an Audit Actually Is.</title>
		<link>https://getoutofdebt.org/269854/bankruptcy-audit-odds-fy2025-doj-report</link>
					<comments>https://getoutofdebt.org/269854/bankruptcy-audit-odds-fy2025-doj-report#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Thu, 10 Sep 2026 16:49:36 +0000</pubDate>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[audit]]></category>
		<category><![CDATA[bankruptcy discharge revocation]]></category>
		<category><![CDATA[bankruptcy fraud]]></category>
		<category><![CDATA[bankruptcy means test]]></category>
		<category><![CDATA[bankruptcy schedules]]></category>
		<category><![CDATA[chapter 13 bankruptcy]]></category>
		<category><![CDATA[Chapter 7 audit]]></category>
		<category><![CDATA[chapter 7 bankruptcy]]></category>
		<category><![CDATA[debtor audit]]></category>
		<category><![CDATA[material misstatement]]></category>
		<category><![CDATA[U.S. Trustee Program]]></category>
		<category><![CDATA[USTP]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269854</guid>

					<description><![CDATA[Bankruptcy audit fear is common — but the DOJ's own FY2025 numbers show something most filers don't expect. Here's what the report actually says.]]></description>
		
					<wfw:commentRss>https://getoutofdebt.org/269854/bankruptcy-audit-odds-fy2025-doj-report/feed</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/09/ustp-audit-fy2025-featured-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/09/ustp-audit-fy2025-featured-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>They Said You Can’t Stop Debit Card Overdraft Fees. You Were Never Supposed to Be Charged Without Saying Yes First.</title>
		<link>https://getoutofdebt.org/269846/overdraft-fee-requires-opt-in</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Thu, 10 Sep 2026 16:18:21 +0000</pubDate>
				<category><![CDATA[They Said What?]]></category>
		<category><![CDATA[bank fees]]></category>
		<category><![CDATA[bank overdraft]]></category>
		<category><![CDATA[CFPB overdraft rule]]></category>
		<category><![CDATA[consumer protection]]></category>
		<category><![CDATA[debit card]]></category>
		<category><![CDATA[Electronic Funds Transfer Act]]></category>
		<category><![CDATA[File a CFPB Complaint]]></category>
		<category><![CDATA[how to avoid overdraft fees]]></category>
		<category><![CDATA[overdraft fee cap]]></category>
		<category><![CDATA[overdraft fees]]></category>
		<category><![CDATA[Overdraft Protection]]></category>
		<category><![CDATA[Regulation E]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269846</guid>

					<description><![CDATA[Myth: your bank can charge any debit card overdraft fee. Truth: Reg E (12 CFR 1005.17) requires opt-in for ATM/debit overdrafts -- not checks or ACH.]]></description>
		
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/09/overdraft_featured-750x500.png" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/09/overdraft_featured-750x500.png" width="750"/>
	</item>
		<item>
		<title>Concora Credit Robocall Settlement: Claim $250-$650 Even If You Were Never a Customer</title>
		<link>https://getoutofdebt.org/269863/concora-credit-robocall-settlement-claim</link>
					<comments>https://getoutofdebt.org/269863/concora-credit-robocall-settlement-claim#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Thu, 10 Sep 2026 16:18:01 +0000</pubDate>
				<category><![CDATA[Consumer Protection]]></category>
		<category><![CDATA[Alexis Seals]]></category>
		<category><![CDATA[class action settlement]]></category>
		<category><![CDATA[Concora Credit]]></category>
		<category><![CDATA[consumer protection]]></category>
		<category><![CDATA[debt collection calls]]></category>
		<category><![CDATA[Destiny Mastercard]]></category>
		<category><![CDATA[District of Oregon]]></category>
		<category><![CDATA[Indigo MasterCard]]></category>
		<category><![CDATA[Milestone Mastercard]]></category>
		<category><![CDATA[prerecorded calls]]></category>
		<category><![CDATA[robocall settlement]]></category>
		<category><![CDATA[Rust Consulting]]></category>
		<category><![CDATA[TCPA]]></category>
		<category><![CDATA[Telephone Consumer Protection Act]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269863</guid>

					<description><![CDATA[Never had a Concora Credit account? That may be exactly why you qualify for this $9.375M robocall settlement -- see what changes before Oct 19.]]></description>
		
					<wfw:commentRss>https://getoutofdebt.org/269863/concora-credit-robocall-settlement-claim/feed</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/09/concora-featured-v2-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/09/concora-featured-v2-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>Connecticut Just Ordered a Paycheck-Advance App to Refund Every Fee It Charged Its Connecticut Users. Here’s What That Means If You Use One (September 2026)</title>
		<link>https://getoutofdebt.org/269816/tapcheck-connecticut-consent-order-refund</link>
					<comments>https://getoutofdebt.org/269816/tapcheck-connecticut-consent-order-refund#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Wed, 09 Sep 2026 18:26:44 +0000</pubDate>
				<category><![CDATA[Consumer Protection]]></category>
		<category><![CDATA[In The News]]></category>
		<category><![CDATA[APR]]></category>
		<category><![CDATA[cash advance apps]]></category>
		<category><![CDATA[Connecticut]]></category>
		<category><![CDATA[Connecticut Department of Banking]]></category>
		<category><![CDATA[consent order]]></category>
		<category><![CDATA[consumer protection]]></category>
		<category><![CDATA[earned wage access]]></category>
		<category><![CDATA[Fintech]]></category>
		<category><![CDATA[high-interest loans]]></category>
		<category><![CDATA[Parking Revenue Recovery Service]]></category>
		<category><![CDATA[Payday Loans]]></category>
		<category><![CDATA[small loan act]]></category>
		<category><![CDATA[Tapcheck]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269816</guid>

					<description><![CDATA[Connecticut just ordered Tapcheck to refund every fee it charged after alleging the app operated without a license. See what changes next.]]></description>
		
					<wfw:commentRss>https://getoutofdebt.org/269816/tapcheck-connecticut-consent-order-refund/feed</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/09/tapcheck-ct-featured-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/09/tapcheck-ct-featured-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>FinWise Bank’s $2.8 Million Data Breach Settlement: Claims Close October 29, 2026 — And Most People Affected Have Never Heard of FinWise</title>
		<link>https://getoutofdebt.org/269824/finwise-bank-data-breach-settlement-2026</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Wed, 09 Sep 2026 18:26:34 +0000</pubDate>
				<category><![CDATA[Consumer Protection]]></category>
		<category><![CDATA[American First Finance]]></category>
		<category><![CDATA[class action lawsuit]]></category>
		<category><![CDATA[Credit Freeze]]></category>
		<category><![CDATA[Data Breach]]></category>
		<category><![CDATA[Fintech]]></category>
		<category><![CDATA[FinWise Bancorp]]></category>
		<category><![CDATA[FinWise Bank]]></category>
		<category><![CDATA[Identity Theft]]></category>
		<category><![CDATA[Minter v. FinWise Bank]]></category>
		<category><![CDATA[SEC]]></category>
		<category><![CDATA[settlement claim]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269824</guid>

					<description><![CDATA[FinWise Bank data breach settlement: here's what the $2.8M fund actually covers, what receipts count, and why so many eligible people don't know they qualify.]]></description>
		
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/09/finwise-bank-data-breach-settlement-featured-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/09/finwise-bank-data-breach-settlement-featured-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>D.C. Just Passed a Law Making Hospitals Ask Whether You Qualify for Financial Assistance. Everywhere Else, Federal Law Says You Have to Ask — Here’s Exactly How (September 2026)</title>
		<link>https://getoutofdebt.org/269819/dc-hospital-financial-assistance-federal-law-how-to-ask</link>
					<comments>https://getoutofdebt.org/269819/dc-hospital-financial-assistance-federal-law-how-to-ask#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Wed, 09 Sep 2026 18:26:24 +0000</pubDate>
				<category><![CDATA[Medical Debt]]></category>
		<category><![CDATA[Medical Related]]></category>
		<category><![CDATA[Amounts Generally Billed]]></category>
		<category><![CDATA[CFPB]]></category>
		<category><![CDATA[charity care]]></category>
		<category><![CDATA[Extraordinary Collection Actions]]></category>
		<category><![CDATA[hospital bills]]></category>
		<category><![CDATA[Hospital Financial Assistance]]></category>
		<category><![CDATA[IRS Tax Exempt Organization Search]]></category>
		<category><![CDATA[medical debt credit reporting]]></category>
		<category><![CDATA[Medical Debt Mitigation Amendment Act]]></category>
		<category><![CDATA[nonprofit hospitals]]></category>
		<category><![CDATA[section 501r]]></category>
		<category><![CDATA[Washington D.C.]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269819</guid>

					<description><![CDATA[D.C. now forces hospitals to screen you for financial aid. Federal law already requires it everywhere else — here's the exact script to get your bill capped.]]></description>
		
					<wfw:commentRss>https://getoutofdebt.org/269819/dc-hospital-financial-assistance-federal-law-how-to-ask/feed</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/09/dc-hospital-featured-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/09/dc-hospital-featured-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>My Credit Dispute Was Rejected and They Won’t Say Why. Here’s What to Do Right Now.</title>
		<link>https://getoutofdebt.org/269817/credit-dispute-rejected-what-to-do</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Wed, 09 Sep 2026 18:26:13 +0000</pubDate>
				<category><![CDATA[Crisis Guide]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[CFPB]]></category>
		<category><![CDATA[credit bureau]]></category>
		<category><![CDATA[credit bureaus]]></category>
		<category><![CDATA[Credit Report]]></category>
		<category><![CDATA[credit report error]]></category>
		<category><![CDATA[credit reports]]></category>
		<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[dispute credit report]]></category>
		<category><![CDATA[equifax]]></category>
		<category><![CDATA[experian]]></category>
		<category><![CDATA[FCRA]]></category>
		<category><![CDATA[transunion]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269817</guid>

					<description><![CDATA[A rejected credit dispute means one of two very different things under federal law, and only one requires an explanation. Here is what to do next.]]></description>
		
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/09/credit-dispute-featured-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/09/credit-dispute-featured-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>15 Million Dental Patients’ Records Exposed at DentaQuest — A Credit Freeze Won’t Stop the Part That Actually Costs You</title>
		<link>https://getoutofdebt.org/269774/dentaquest-data-breach-2026-medical-identity-theft</link>
					<comments>https://getoutofdebt.org/269774/dentaquest-data-breach-2026-medical-identity-theft#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Tue, 08 Sep 2026 15:39:49 +0000</pubDate>
				<category><![CDATA[Consumer Protection]]></category>
		<category><![CDATA[CFPB]]></category>
		<category><![CDATA[class action lawsuit]]></category>
		<category><![CDATA[Credit Freeze]]></category>
		<category><![CDATA[Data Breach]]></category>
		<category><![CDATA[DentaQuest]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[ftc]]></category>
		<category><![CDATA[HIPAA]]></category>
		<category><![CDATA[Identity Theft]]></category>
		<category><![CDATA[Kroll]]></category>
		<category><![CDATA[Medical Identity Theft]]></category>
		<category><![CDATA[medical-debt]]></category>
		<category><![CDATA[ShinyHunters]]></category>
		<category><![CDATA[Sun Life]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269774</guid>

					<description><![CDATA[DentaQuest's breach exposed SSNs and dental records for 15M+ people. A credit freeze won't stop medical identity theft — here's what actually works.]]></description>
		
					<wfw:commentRss>https://getoutofdebt.org/269774/dentaquest-data-breach-2026-medical-identity-theft/feed</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/09/dentaquest-data-breach-2026-featured-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/09/dentaquest-data-breach-2026-featured-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>What Pagaya Just Told the SEC About What Happens When You’re Declined for a Loan</title>
		<link>https://getoutofdebt.org/269767/pagaya-sec-filing-decline-monetization-loan-approval</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Tue, 08 Sep 2026 15:39:33 +0000</pubDate>
				<category><![CDATA[What They Told Wall Street]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269767</guid>

					<description><![CDATA[Pagaya's own SEC filing reveals a product called Decline Monetization. Here's what happens to your loan application after an AI says no — and your rights.]]></description>
		
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/09/pagaya-ai-lending-loan-decision-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/09/pagaya-ai-lending-loan-decision-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>I Signed That Debt While Medicated and Pressured. Now They’re Gone — Do I Still Owe It?</title>
		<link>https://getoutofdebt.org/269757/signed-debt-while-medicated-pressured-do-i-still-owe-it</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Tue, 08 Sep 2026 15:39:13 +0000</pubDate>
				<category><![CDATA[Consumer Protection]]></category>
		<category><![CDATA[Debt Articles]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[authorized user]]></category>
		<category><![CDATA[capacity to contract]]></category>
		<category><![CDATA[coerced debt]]></category>
		<category><![CDATA[community property debt]]></category>
		<category><![CDATA[cosigner debt]]></category>
		<category><![CDATA[debt after death]]></category>
		<category><![CDATA[duress]]></category>
		<category><![CDATA[economic abuse]]></category>
		<category><![CDATA[FDCPA debt validation]]></category>
		<category><![CDATA[forgery identity theft]]></category>
		<category><![CDATA[joint account liability]]></category>
		<category><![CDATA[NACA]]></category>
		<category><![CDATA[NACBA]]></category>
		<category><![CDATA[undue influence]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269757</guid>

					<description><![CDATA[A contract signed while impaired or pressured is voidable, not void — you must prove it with evidence. Here's how capacity, undue influence, coerced debt, and debt after a death actually work.]]></description>
		
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/09/signed-debt-featured-750x500.png" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/09/signed-debt-featured-750x500.png" width="750"/>
	</item>
		<item>
		<title>They Said a Free Credit Report Every Week Is a Legal Right. It’s a Bonus the Bureaus Could Take Back.</title>
		<link>https://getoutofdebt.org/269758/they-said-a-free-credit-report-every-week-is-a-legal-right-its-a-bonus-the-bureaus-could-take-back</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Tue, 08 Sep 2026 15:38:51 +0000</pubDate>
				<category><![CDATA[They Said What?]]></category>
		<category><![CDATA[annualcreditreport]]></category>
		<category><![CDATA[consumer rights]]></category>
		<category><![CDATA[credit bureau]]></category>
		<category><![CDATA[credit myths]]></category>
		<category><![CDATA[Credit Report]]></category>
		<category><![CDATA[equifax]]></category>
		<category><![CDATA[experian]]></category>
		<category><![CDATA[FCRA]]></category>
		<category><![CDATA[identity theft protection]]></category>
		<category><![CDATA[transunion]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269758</guid>

					<description><![CDATA[Federal law guarantees one free credit report per bureau every 12 months. The weekly free access you rely on is real but voluntary -- a bureau commitment, not a statute.]]></description>
		
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/09/weekly-credit-report-featured-750x500.png" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/09/weekly-credit-report-featured-750x500.png" width="750"/>
	</item>
		<item>
		<title>I Paid a Credit Repair Company and Nothing Happened. Here’s What to Do</title>
		<link>https://getoutofdebt.org/269764/i-paid-credit-repair-company-nothing-happened</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Tue, 08 Sep 2026 15:38:29 +0000</pubDate>
				<category><![CDATA[Crisis Guide]]></category>
		<category><![CDATA[advance fee ban]]></category>
		<category><![CDATA[advance fees]]></category>
		<category><![CDATA[CFPB]]></category>
		<category><![CDATA[chargeback rights]]></category>
		<category><![CDATA[consumer protection]]></category>
		<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[credit repair organizations act]]></category>
		<category><![CDATA[credit repair refund]]></category>
		<category><![CDATA[credit repair scam]]></category>
		<category><![CDATA[CROA]]></category>
		<category><![CDATA[federal trade commission]]></category>
		<category><![CDATA[small claims court]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269764</guid>

					<description><![CDATA[I paid a credit repair company and got nothing back. Here is exactly how to get your money back fast, and what federal law says they owed you all along.]]></description>
		
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/09/crisis-credit-repair-featured-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/09/crisis-credit-repair-featured-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>My Private Student Loans Might Not Survive Bankruptcy the Way I Was Told</title>
		<link>https://getoutofdebt.org/269744/private-student-loans-bankruptcy-qualified-education-loan-test</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Tue, 08 Sep 2026 01:19:48 +0000</pubDate>
				<category><![CDATA[Crisis Guide]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[bankruptcy discharge]]></category>
		<category><![CDATA[can you file bankruptcy for private student loans]]></category>
		<category><![CDATA[chapter 7 bankruptcy]]></category>
		<category><![CDATA[Damon Day]]></category>
		<category><![CDATA[Discharge Private Student Loans]]></category>
		<category><![CDATA[discharging student loans]]></category>
		<category><![CDATA[NACBA]]></category>
		<category><![CDATA[national association of consumer bankruptcy attorneys]]></category>
		<category><![CDATA[private loans]]></category>
		<category><![CDATA[private student loan bankruptcy]]></category>
		<category><![CDATA[Private Student Loans]]></category>
		<category><![CDATA[student loan alternatives]]></category>
		<category><![CDATA[Student Loan Bankruptcy Discharge]]></category>
		<category><![CDATA[student loan discharge]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269744</guid>

					<description><![CDATA[Student loans 'never discharge' isn't always true. Some private loans fail a legal test that removes the exception -- here's how to check yours.]]></description>
		
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/09/psl_featured-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/09/psl_featured-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>Damon Day’s Son Was Stranded at 1 AM After a $3,700 Repair Failed</title>
		<link>https://getoutofdebt.org/269741/damon-days-son-was-stranded-at-1-am-after-a-3700-repair-failed</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Mon, 07 Sep 2026 21:47:59 +0000</pubDate>
				<category><![CDATA[Penny Stupid Project]]></category>
		<category><![CDATA[Side Hustles From Home]]></category>
		<category><![CDATA[car repair]]></category>
		<category><![CDATA[Damon Day]]></category>
		<category><![CDATA[debt prevention]]></category>
		<category><![CDATA[emergency-fund-]]></category>
		<category><![CDATA[Gig Economy]]></category>
		<category><![CDATA[gig work]]></category>
		<category><![CDATA[Lyft]]></category>
		<category><![CDATA[rideshare driving]]></category>
		<category><![CDATA[Side Hustle]]></category>
		<category><![CDATA[Uber]]></category>
		<category><![CDATA[vehicle emergency fund]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269741</guid>

					<description><![CDATA[Damon Day's son was stranded at 1 a.m. after a $3,700 repair didn't fix his car. Here's the gig-work fund rule that keeps a breakdown from becoming debt.]]></description>
		
		
		
			</item>
		<item>
		<title>EmblemHealth and NYC Have Agreed to a $53 Million Retiree Copay Settlement. Here’s the Deadline — and the Catch in the Fine Print.</title>
		<link>https://getoutofdebt.org/269739/emblemhealth-nyc-retiree-copay-settlement</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Mon, 07 Sep 2026 21:41:42 +0000</pubDate>
				<category><![CDATA[In The News]]></category>
		<category><![CDATA[Medical Debt]]></category>
		<category><![CDATA[class action settlement]]></category>
		<category><![CDATA[Debt Collection]]></category>
		<category><![CDATA[EmblemHealth]]></category>
		<category><![CDATA[Explanation of Benefits]]></category>
		<category><![CDATA[GHI Senior Care]]></category>
		<category><![CDATA[medical-debt]]></category>
		<category><![CDATA[medicare]]></category>
		<category><![CDATA[New York City]]></category>
		<category><![CDATA[NYC retirees]]></category>
		<category><![CDATA[senior scams]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269739</guid>

					<description><![CDATA[EmblemHealth and NYC have agreed to refund up to $53 million to retirees if a judge approves. Claims are due October 30, 2026 — I read the notice for the catch nobody's mentioning.]]></description>
		
		
		
			</item>
		<item>
		<title>A Medical Bill Went to Collections and Nobody Warned Me. Here’s What to Do Right Now.</title>
		<link>https://getoutofdebt.org/269700/medical-bill-in-collections-what-to-do-right-now</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Sun, 06 Sep 2026 07:09:47 +0000</pubDate>
				<category><![CDATA[Crisis Guide]]></category>
		<category><![CDATA[collections]]></category>
		<category><![CDATA[Credit Report]]></category>
		<category><![CDATA[debt collections]]></category>
		<category><![CDATA[dispute medical bill]]></category>
		<category><![CDATA[FCRA]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[hospital]]></category>
		<category><![CDATA[hospital bill]]></category>
		<category><![CDATA[medical bill]]></category>
		<category><![CDATA[medical bills]]></category>
		<category><![CDATA[medical-debt]]></category>
		<category><![CDATA[negotiate hospital bill]]></category>
		<category><![CDATA[nonprofit hospitals]]></category>
		<category><![CDATA[Surprise Medical Bills]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269700</guid>

					<description><![CDATA[A medical bill just landed in collections and nobody warned you. Here's whether that's legal, what to check first, and the fastest way to fight back.]]></description>
		
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/09/medical-bill-collections-no-warning-featured-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/09/medical-bill-collections-no-warning-featured-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>Can Debt Collectors Take VA Disability? What I Tell Veterans When the Truck Dies and the Calls Start</title>
		<link>https://getoutofdebt.org/269707/can-debt-collectors-take-va-disability-what-i-tell-veterans</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Sun, 06 Sep 2026 07:03:36 +0000</pubDate>
				<category><![CDATA[Debt Articles]]></category>
		<category><![CDATA[ask-steve]]></category>
		<category><![CDATA[auto loan debt]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[debt collectors]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[federal benefits protection]]></category>
		<category><![CDATA[judgment proof]]></category>
		<category><![CDATA[Repossession]]></category>
		<category><![CDATA[VA disability]]></category>
		<category><![CDATA[veterans]]></category>
		<category><![CDATA[Wage Garnishment]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269707</guid>

					<description><![CDATA[Short answer: no. VA disability pay is exempt from creditors under federal law -- but a dead truck loan isn't. Here's what collectors can and can't touch.]]></description>
		
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/09/dv_featured-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/09/dv_featured-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>The Car Loan Interest Deduction Is Real — But Dealers Are Already Using It to Sell You a Payment You Can’t Afford</title>
		<link>https://getoutofdebt.org/269698/car-loan-interest-deduction-2026-who-qualifies</link>
					<comments>https://getoutofdebt.org/269698/car-loan-interest-deduction-2026-who-qualifies#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Sun, 06 Sep 2026 06:59:08 +0000</pubDate>
				<category><![CDATA[Automotive]]></category>
		<category><![CDATA[Debt Articles]]></category>
		<category><![CDATA[Tax Related]]></category>
		<category><![CDATA[auto loan tax deduction]]></category>
		<category><![CDATA[car dealer finance tricks]]></category>
		<category><![CDATA[car loan interest deduction]]></category>
		<category><![CDATA[Form 1098-VLI]]></category>
		<category><![CDATA[IRS regulations]]></category>
		<category><![CDATA[marginal tax rate]]></category>
		<category><![CDATA[negative equity]]></category>
		<category><![CDATA[new vehicle purchase]]></category>
		<category><![CDATA[OBBBA]]></category>
		<category><![CDATA[tax deductions 2026]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269698</guid>

					<description><![CDATA[The car loan interest deduction is finally official -- but the fine print on who actually qualifies changes the math dealers are quoting you.]]></description>
		
					<wfw:commentRss>https://getoutofdebt.org/269698/car-loan-interest-deduction-2026-who-qualifies/feed</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/09/car-loan-interest-deduction-2026-featured-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/09/car-loan-interest-deduction-2026-featured-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>What Citi Just Told the SEC About the Real Cost of Your Card Rewards</title>
		<link>https://getoutofdebt.org/269632/citi-credit-card-rewards-real-cost-sec-filing</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 04 Sep 2026 18:13:59 +0000</pubDate>
				<category><![CDATA[What They Told Wall Street]]></category>
		<category><![CDATA[10-Q]]></category>
		<category><![CDATA[AAdvantage]]></category>
		<category><![CDATA[American Airlines]]></category>
		<category><![CDATA[barclays]]></category>
		<category><![CDATA[card issuer]]></category>
		<category><![CDATA[citigroup]]></category>
		<category><![CDATA[consumer banking]]></category>
		<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[credit card interest]]></category>
		<category><![CDATA[Credit Card Rewards]]></category>
		<category><![CDATA[interchange Fees]]></category>
		<category><![CDATA[revolving debt]]></category>
		<category><![CDATA[SEC filing]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269632</guid>

					<description><![CDATA[Citi's own SEC filing shows the fee side of its card business ran $663 million in the red this quarter. Here's what that means for how you use your card.]]></description>
		
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/09/citi-credit-card-rewards-cost-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/09/citi-credit-card-rewards-cost-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>My Farm Business Closed — Am I Personally Liable for the Equipment Loans?</title>
		<link>https://getoutofdebt.org/269623/farm-business-closed-personally-liable-equipment-loans</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 04 Sep 2026 18:13:58 +0000</pubDate>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Business Debts]]></category>
		<category><![CDATA[Chapter 12 bankruptcy]]></category>
		<category><![CDATA[deficiency balance]]></category>
		<category><![CDATA[equipment loan default]]></category>
		<category><![CDATA[family farmer bankruptcy]]></category>
		<category><![CDATA[farm debt]]></category>
		<category><![CDATA[LLC liability]]></category>
		<category><![CDATA[Personal Guarantee]]></category>
		<category><![CDATA[personal guaranty]]></category>
		<category><![CDATA[ranch debt]]></category>
		<category><![CDATA[Repossession]]></category>
		<category><![CDATA[small business debt]]></category>
		<category><![CDATA[sole proprietor liability]]></category>
		<category><![CDATA[USDA Farm Service Agency]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269623</guid>

					<description><![CDATA[Closing a farm or ranch business doesn't automatically close the equipment loans. Here's how personal guarantees, deficiency balances, and Chapter 12 bankruptcy actually work.]]></description>
		
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/09/farm-business-closed-featured-750x500.png" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/09/farm-business-closed-featured-750x500.png" width="750"/>
	</item>
		<item>
		<title>They Said Giving My House to My Kid Before I File Protects It From Bankruptcy. The Trustee Can Still Undo It.</title>
		<link>https://getoutofdebt.org/269639/hiding-assets-before-bankruptcy-not-safe</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 04 Sep 2026 18:13:56 +0000</pubDate>
				<category><![CDATA[They Said What?]]></category>
		<category><![CDATA[asset protection]]></category>
		<category><![CDATA[bankruptcy discharge]]></category>
		<category><![CDATA[bankruptcy exemptions]]></category>
		<category><![CDATA[bankruptcy fraud]]></category>
		<category><![CDATA[bankruptcy myths]]></category>
		<category><![CDATA[bankruptcy trustee]]></category>
		<category><![CDATA[chapter 7 bankruptcy]]></category>
		<category><![CDATA[Conceal Asset]]></category>
		<category><![CDATA[estate-planning]]></category>
		<category><![CDATA[fraudulent transfer]]></category>
		<category><![CDATA[homestead exemption]]></category>
		<category><![CDATA[They Said What]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269639</guid>

					<description><![CDATA[Myth: gifting your house before you file keeps it safe. A trustee can undo it, you usually lose your exemption on it, and a Chapter 7 discharge is at risk.]]></description>
		
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/09/gifting-house-before-bankruptcy-fraudulent-transfer-750x500.png" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/09/gifting-house-before-bankruptcy-fraudulent-transfer-750x500.png" width="750"/>
	</item>
		<item>
		<title>I’m Being Evicted and Debt Collectors Are After Me at the Same Time. Here’s What to Do Right Now.</title>
		<link>https://getoutofdebt.org/269627/eviction-while-in-debt</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 04 Sep 2026 06:37:04 +0000</pubDate>
				<category><![CDATA[Crisis Guide]]></category>
		<category><![CDATA[automatic stay]]></category>
		<category><![CDATA[CFPB]]></category>
		<category><![CDATA[chapter 13 bankruptcy]]></category>
		<category><![CDATA[chapter 7 bankruptcy]]></category>
		<category><![CDATA[consumer rights]]></category>
		<category><![CDATA[crisis guide]]></category>
		<category><![CDATA[debt collectors]]></category>
		<category><![CDATA[eviction]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[financial crisis]]></category>
		<category><![CDATA[housing]]></category>
		<category><![CDATA[landlord tenant]]></category>
		<category><![CDATA[legal aid]]></category>
		<category><![CDATA[Wage Garnishment]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269627</guid>

					<description><![CDATA[Facing eviction while debt collectors call nonstop? Protect your housing first, verify debts before you pay, and know what bankruptcy's stay can and can't do.]]></description>
		
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/09/eviction-while-in-debt-featured-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/09/eviction-while-in-debt-featured-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>Mortgage Rates Just Hit a One-Year High — and the Fed Isn’t Talking About Cuts. Here’s What’s Really Happening to Your Money This Week</title>
		<link>https://getoutofdebt.org/269637/mortgage-rate-one-year-high-fed-not-cutting-september-2026</link>
					<comments>https://getoutofdebt.org/269637/mortgage-rate-one-year-high-fed-not-cutting-september-2026#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Fri, 04 Sep 2026 06:37:03 +0000</pubDate>
				<category><![CDATA[Debt Articles]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[In The News]]></category>
		<category><![CDATA[Christopher Waller]]></category>
		<category><![CDATA[Credit Card Rates]]></category>
		<category><![CDATA[Dow Jones]]></category>
		<category><![CDATA[Fed Funds Rate]]></category>
		<category><![CDATA[Fed Rate Hike]]></category>
		<category><![CDATA[federal reserve]]></category>
		<category><![CDATA[FOMC]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[High-Yield Savings Account]]></category>
		<category><![CDATA[Homebuyers]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Kevin Warsh]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[September 2026]]></category>
		<category><![CDATA[Treasury Yields]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269637</guid>

					<description><![CDATA[Mortgage rates hit 6.71% this week, a one-year high, while no Fed policymaker has voted for a cut since April. The real story, and what to do.]]></description>
		
					<wfw:commentRss>https://getoutofdebt.org/269637/mortgage-rate-one-year-high-fed-not-cutting-september-2026/feed</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/09/mortgage-rate-one-year-high-fed-not-cutting-featured-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/09/mortgage-rate-one-year-high-fed-not-cutting-featured-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>A City Kept Billing Her After She Filed Bankruptcy. The Judge Said the Software Was No Excuse.</title>
		<link>https://getoutofdebt.org/269591/coburn-city-of-burt-stay-violation</link>
					<comments>https://getoutofdebt.org/269591/coburn-city-of-burt-stay-violation#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Wed, 02 Sep 2026 17:19:15 +0000</pubDate>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[§ 362(k)]]></category>
		<category><![CDATA[adequate assurance]]></category>
		<category><![CDATA[automatic stay]]></category>
		<category><![CDATA[bankruptcy sanctions]]></category>
		<category><![CDATA[chapter 7 bankruptcy]]></category>
		<category><![CDATA[City of Burt]]></category>
		<category><![CDATA[Iowa bankruptcy court]]></category>
		<category><![CDATA[Kelley Coburn]]></category>
		<category><![CDATA[municipal utility]]></category>
		<category><![CDATA[Pro Se Bankruptcy]]></category>
		<category><![CDATA[stay violation]]></category>
		<category><![CDATA[utility bills]]></category>
		<category><![CDATA[willful violation]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269591</guid>

					<description><![CDATA[A judge ruled a city's own billing software is no defense against the bankruptcy stay — but the reason her damages stayed at $1,500 is the real lesson.]]></description>
		
					<wfw:commentRss>https://getoutofdebt.org/269591/coburn-city-of-burt-stay-violation/feed</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/09/coburn-city-of-burt-stay-violation-featured-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/09/coburn-city-of-burt-stay-violation-featured-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>IRS Penalty Abatement Is a Free Phone Call — Not a Service You Need to Buy</title>
		<link>https://getoutofdebt.org/269586/irs-penalty-abatement-free-phone-call</link>
					<comments>https://getoutofdebt.org/269586/irs-penalty-abatement-free-phone-call#respond</comments>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Wed, 02 Sep 2026 16:19:12 +0000</pubDate>
				<category><![CDATA[Tax Related]]></category>
		<category><![CDATA[Automatic Exemption from Penalty]]></category>
		<category><![CDATA[Failure to File Penalty]]></category>
		<category><![CDATA[Failure to Pay Penalty]]></category>
		<category><![CDATA[First Time Abate]]></category>
		<category><![CDATA[Form 843]]></category>
		<category><![CDATA[irs]]></category>
		<category><![CDATA[IRS Penalties]]></category>
		<category><![CDATA[Penalty Abatement]]></category>
		<category><![CDATA[Reasonable Cause]]></category>
		<category><![CDATA[tax debt]]></category>
		<category><![CDATA[Tax Resolution]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269586</guid>

					<description><![CDATA[IRS penalty abatement erases failure-to-file and failure-to-pay penalties for free — here's how First Time Abate and the new Automatic Exemption work.]]></description>
		
					<wfw:commentRss>https://getoutofdebt.org/269586/irs-penalty-abatement-free-phone-call/feed</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/09/irs-penalty-abatement-free-call-featured-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/09/irs-penalty-abatement-free-call-featured-750x500.jpg" width="750"/>
	</item>
		<item>
		<title>I Just Got a Notice of Default on My Mortgage. Here’s What to Do Right Now.</title>
		<link>https://getoutofdebt.org/269533/i-just-got-a-notice-of-default-on-my-mortgage-heres-what-to-do-right-now</link>
		
		<dc:creator><![CDATA[Steve Rhode]]></dc:creator>
		<pubDate>Tue, 01 Sep 2026 19:07:18 +0000</pubDate>
				<category><![CDATA[Crisis Guide]]></category>
		<category><![CDATA[automatic stay]]></category>
		<category><![CDATA[avoid foreclosure]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[chapter 13 bankruptcy]]></category>
		<category><![CDATA[crisis guide]]></category>
		<category><![CDATA[deed in lieu of foreclosure]]></category>
		<category><![CDATA[delinquent mortgage]]></category>
		<category><![CDATA[facing foreclosure]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[housing counselor]]></category>
		<category><![CDATA[hud housing counselor]]></category>
		<category><![CDATA[loss mitigation]]></category>
		<category><![CDATA[Mortgage Forbearance]]></category>
		<category><![CDATA[Reinstatement]]></category>
		<category><![CDATA[short sale]]></category>
		<guid isPermaLink="false">https://getoutofdebt.org/?p=269533</guid>

					<description><![CDATA[A Notice of Default is not foreclosure yet. Federal law limits when your servicer can act — here is the deadline clock and what actually stops it.]]></description>
		
		
		
				<media:content height="500" medium="image" url="https://getoutofdebt.org/wp-content/uploads/2026/09/mortgage-notice-of-default-featured-750x500.jpg" width="750"/>
		<media:thumbnail height="500" url="https://getoutofdebt.org/wp-content/uploads/2026/09/mortgage-notice-of-default-featured-750x500.jpg" width="750"/>
	</item>
	</channel>
</rss>