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If you want to see someone instantly disagree with you, tell them that people that file bankruptcy do better financially than people who don't and struggle. When people face unexpected money troubles, it is just math wrapped in emotion. The underlying facts are not judgmental. And the math doesn't make assumptions or believe common myths.  Let's talk about it. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/get-out-of-debt-guy/message
In this episode, I answer a couple of reader questions with some interesting issues. The first involves what looks like a duplicate 1099-C tax form for forgiven debt. The second is about an old bad debt that is still on the credit report.  If you'd like to ask me a question, just visit https://GetOutOfDebt.org and click the ask a question link at the top. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/get-out-of-debt-guy/message
You might have heard about a new presidential executive order that was signed recently that is supposed to put a halt to having payroll taxes taken out of your paycheck. But there is some important information to know before you get all excited about this and fall for it. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/get-out-of-debt-guy/message
Bob wrote to me with his second round of medical debt and wanted to know if a loan or some debt resolution program would be a good idea. My answer is probably going to surprise Bob. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/get-out-of-debt-guy/message
We are potentially on the backside of consumer protections from the pandemic. One of these protections was to put evictions on hold while people were struggling to make rent payments. Unless Congress or individual states extend the protections, waves of evictions are possible. ProPublica had a very informative article out on this subject that I wanted to share with you. Your Get Out of Debt Guy. Steve Rhode --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/get-out-of-debt-guy/message
This week Damon Day and I produce another low rent show, this time about the recent information out from the Department of Education Inspector General.  The report released found the Department of Education was doing a poor job keep federal student loan servicers in line. The report stated, "By not holding servicers accountable for instances of noncompliance with Federal loan servicing requirements, FSA did not provide servicers with an incentive to take actions to mitigate the risk of continued servicer noncompliance that could harm students." Shocker? We then ramble into a conversation about the problems students at Argosy University are facing trying to figure out where their financial aid money is or went. Finally we have a little chat about how the news of car loans defaulting isn't exactly what everyone thinks. Default rates are up, but not for everyone. Do you have a question you'd like for us to answer? Leave your question on voicemail by calling 919-391-7976. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/get-out-of-debt-guy/message
Dealing with financial problems is about more than just making a budget. This time Damon Day and I talk about how to make having fun affordable, traveling on the cheap with your own trailer, a few money-saving tips, and Damon tells us how he just got scammed on Craigslist. I'm not sure how we managed to turn the full recording into a podcast but we did. Some curse words included. - Steve Rhode - Get Out of Debt Guy - https://GetOutOfDebt.org Do you have a question you'd like for us to answer? Leave your question on voicemail by calling 919-391-7976. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/get-out-of-debt-guy/message
Damon Day and I talk about what to do if you've received an offer in your mailbox for a debt consolidation loan.  Not every offer turns out to be what you think it is.  We talk about questions to ask and what to do when you call the company to get a loan. If you have a question you'd like to ask, visit me at GetOutOfDebt.org. If you'd like to see the video of us recording this show, visit https://GetOutOfDebt.org/118791/ Do you have a question you'd like for us to answer? Leave your question on voicemail by calling 919-391-7976. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/get-out-of-debt-guy/message
This time my friend Damon Day and I talk quickly about several topics that made us scratch our heads this week. Here are the posts on my site that correspond with some of the stories we stumble through. 1. Chinese Smartphone App to Find Debtors 2. There Are No Solutions For Us to Get Out of Debt That We Can Afford 3. Government Workers Should Just Go Get Loans 4. The Gigantic Reader Question If you have a question you'd like to ask, just click here. If you'd like to subscribe to the podcast, check whatever app you are using to list and see if there is an option to do so. Do you have a question you'd like for us to answer? Leave your question on voicemail by calling 919-391-7976. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/get-out-of-debt-guy/message
Steve and Damon laugh and talk their way through some difficult debt topics and give you some great tips on avoiding heavy student loan debt and ways to hide from the debt collector when you need to escape for a bit. To ask Steve a question visit https://GetOutOfDebt.org or if you want to talk to Damon then visit https://DamonDay.com --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/get-out-of-debt-guy/message
No question has been asked more often over my decades of helping people with money, credit, and debt issues than is it is better to rent or buy. The best answer to that question is yes because arguments can be made on both sides of that issue. So, let's talk about it and help you to see the situation in a way you might not have before. In this podcast, I talk about the Money Personality test on my site. Here is the link. If you have money, credit, or debt questions you'd like to ask, drop by GetOutOfDebt.org and ask me for free. Steve Rhode - Your Get Out of Debt Guy --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/get-out-of-debt-guy/message
Alan asked me a question at GetOutOfDebt.org about how much his credit card balances should be and what percentage he should maintain to improve his credit score.  Alan made some moves that seemed like commonsense but the reality is those assumed smart moves actually hurt his credit score. On this podcast, I also answer Alan's question and give you some tips on how to aim for the best credit score available. Steve Rhode - Your Get Out of Debt Guy --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/get-out-of-debt-guy/message
Today, my concern for your finances is over credit card balances and interest rates rising. People are not prepared for what is coming, and I want you to be ready. The latest figures are out from the Federal Reserve report on consumer credit. The G19 information looks at what types of debts are rising and which are falling. If you have a credit or debt question you'd like to ask, visit me at GetOutOfDebt.org. Steve --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/get-out-of-debt-guy/message
Julie dropped by GetOutOfDebt.org and left me a question about consolidating private student loans. So before just leaping at advertising offers arriving in your mailbox, here are some points to consider. Be an intelligent consumer because otherwise, it can cost you a lot of wasted money. But you can save money and lower the cost of consolidating your private student loans with these simple tips. Visit me at GetOutOfDebt.org and ask me your credit or debt question just like Julie did. I'm here to help. Steve --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/get-out-of-debt-guy/message
Over on the Debt Free Dudes podcast, Damon Day and I talk about the confusion, complexities, and misinformation about the announcements that Navient forgiveness of student loans. There are so many important details the headlines can't give you. Debtors will be confused and may wind up angry if they think some or all of their student loans are going to be forgiven as the result of the settlement I wrote about at https://getoutofdebt.org/167223/ In this podcast, Damon and I talk about how confusing this process has been and why many Navient student loan debtors will not turn out to be winners. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/get-out-of-debt-guy/message
Company Illegally Charged Consumers for Credit Advice, Filed False ID Theft Reports, and Pitched Them on Fake Business Opportunity. You can read the full post and download the lawsuit and restraining order by visiting the original post at https://getoutofdebt.org/168047/ This Federal Trade Commission suit is yet another example of how consumers can be the victims of illegal services promising to improve credit using dubious techniques. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/get-out-of-debt-guy/message
Well, federal student loans have been put on hold until January 31, 2022, and while that sounds like a fantastic way to deal with people struggling to pay student loans, it has good points and some not-so-great features. In this podcast, Damon Day and I talk about how not all "federal" student loans are included and the new Republican no-interest student loan act put forward in Congress. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/get-out-of-debt-guy/message
There is so much misinformation floating about when it comes to dealing with debt. Far too many people tell you bankruptcy is a last resort or you should avoid bankruptcy. But here is the ironic thing, that is often the worst advice possible. In this podcast, Damon Day and I talk about bankruptcy, myths and assumptions about bankruptcy, and how to deal with the debt collector if you fall behind on payments. The big lesson here is not to believe everything you think but to do your homework and find out what the facts are so you can make the best decision for yourself or a friend that is facing money troubles. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/get-out-of-debt-guy/message
The issue today is that there seem to be so many conflicting stories and so much misinformation about student loans, people have become frustrated. Student loans are a major problem for most of our listeners and the nation. Not only are they unaffordable but they are also dragging down all consumers with higher prices, and they have created a large number of borrowers who have no choice but to stay in limbo, not knowing whether to pay their loans or how to do so when penalties and other roadblocks are built into the system. People just want to know how they can know what their options are without being scammed or sold something. Let's dive right in. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/get-out-of-debt-guy/message
Today Damon Day and I talk about three quick topics. The first is a reader comment from our last podcast on debt validation. Danny sure is irritated by the podcast. Next, we talk about the termination of financing agreements for student loan assistance services. Finally, we discuss how the FTC is sending refund checks to people that were suckered into a business opportunity. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/get-out-of-debt-guy/message
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