Get Out of Debt Guy - Steve Rhode
@getoutofdebtguy.bsky.social
Steve Rhode is The Get Out of Debt Guy, helping good people escape bad debt with no judgment and real solutions. A consumer debt expert, journalist, and retired search and rescue pilot, he’s dedicated to guiding others toward financial freedom with honesty
When Love Gets Awkward: The Truth About Financial Intimacy
When Love Gets Awkward: The Truth About Financial Intimacy
Financial intimacy might sound scary to some but we need to have a little friendly chat about it. You can share a house. Share a bed. Even raise a family together. But when it comes time to share your credit score? That’s where a lot of people suddenly get real quiet. Listen to My Financial …
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getoutofdebt.org
April 22, 2025 at 3:30 PM
When Love Gets Awkward: The Truth About Financial Intimacy
Too Broke to Win: Why Being in Debt Costs More Than You Think
Too Broke to Win: Why Being in Debt Costs More Than You Think
“If you’re broke, why does everything cost more?”Because the system wasn’t built to help you escape—it was built to profit while you’re stuck. Most people think being broke means you just have less money. But the truth is, when you’re broke, you don’t just have less—you pay more. More in late fees. More in interest. …
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getoutofdebt.org
April 21, 2025 at 5:17 PM
Too Broke to Win: Why Being in Debt Costs More Than You Think
We restart our devices without thinking—but when it comes to restarting our financial life, fear and shame hold us back. Here's why it's time to break that cycle.
You Reboot Everything Else—Why Not Your Debt?
My latest Substack post.
getoutofdebtguy.substack.com
April 18, 2025 at 2:26 PM
We restart our devices without thinking—but when it comes to restarting our financial life, fear and shame hold us back. Here's why it's time to break that cycle.
You Reboot Everything Else—Why Not Your Debt?
You Reboot Everything Else—Why Not Your Debt?
We restart our phones when they freeze. We unplug the Wi-Fi when it cuts out. We reboot our computers without a second thought. But when our finances lock up? We stall. We panic. We wait—sometimes for years. And all the while, the stress grows. The shame deepens. The options shrink. But here’s the truth: You …
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getoutofdebt.org
April 18, 2025 at 2:06 PM
You Reboot Everything Else—Why Not Your Debt?
Wall & Associates Promised to Settle Your Tax Debt for Pennies. Here’s What They Really Did.
Wall & Associates Promised to Settle Your Tax Debt for Pennies. Here’s What They Really Did.
Spoiler: They’re now on the hook for nearly $5 million—because what they sold wasn’t relief, it was deception. Imagine you’re deep in tax debt. You’re anxious. Maybe even panicked. Then along comes a company offering a way out. They say they can negotiate with the IRS and settle your tax debt for as little as …
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getoutofdebt.org
April 17, 2025 at 6:06 PM
Wall & Associates Promised to Settle Your Tax Debt for Pennies. Here’s What They Really Did.
In Debt and Starting Over: Why It’s Not the End—It’s the Exit
In Debt and Starting Over: Why It’s Not the End—It’s the Exit
If you’ve been waking up in a cold sweat wondering how in the world you’re going to climb out of your debt situation… you need to hear the solid wisdom Damon just spilled in this latest podcast episode. It’s called “In Debt and Starting Over: Why It’s Not the End—It’s the Exit”—and it might be …
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getoutofdebt.org
April 17, 2025 at 5:45 PM
In Debt and Starting Over: Why It’s Not the End—It’s the Exit
The Credit Trap: How Credit One Built an Empire Off People Struggling to Pay the Light Bill
The Credit Trap: How Credit One Built an Empire Off People Struggling to Pay the Light Bill
Imagine this. You’re behind on rent. Your phone won’t stop ringing. You need gas to get to work. And in the middle of all that stress, an envelope arrives promising hope: “You’re pre-approved for a credit card!” That card? It’s from Credit One. What you don’t see until later is how this “opportunity” comes with …
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April 15, 2025 at 6:49 PM
The Credit Trap: How Credit One Built an Empire Off People Struggling to Pay the Light Bill
Credit Repair vs. Credit Fraud: Why “Fixing Your Score” Might Wreck Your Life
Credit Repair vs. Credit Fraud: Why “Fixing Your Score” Might Wreck Your Life
TL;DR:Fixing your credit isn’t hard. But the booming billion-dollar “credit repair” industry wants you to think it is—so they can sell you lies, fake identities, and fraud that might land you in prison. 🎭 The Scam That Looks Like a Solution It always starts the same way:“Erase bad credit fast.”“Start over with a new number.”“Get …
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getoutofdebt.org
April 15, 2025 at 6:39 PM
Credit Repair vs. Credit Fraud: Why “Fixing Your Score” Might Wreck Your Life
Associates Asset Recovery Sued Over Alleged Illegal Vehicle Repossession in South Carolina
Associates Asset Recovery Sued Over Alleged Illegal Vehicle Repossession in South Carolina
📄 Case Information: 🔍 Allegations at a Glance: Gloria Birchmore, a South Carolina resident, filed suit after her 2019 Jeep Renegade was allegedly wrongfully repossessed from her workplace in Columbia, SC on August 26, 2024. She claims she was current on her auto loan with Credit Acceptance Corp.—the only known lienholder—and that Westlake Portfolio Management …
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April 14, 2025 at 2:31 PM
Associates Asset Recovery Sued Over Alleged Illegal Vehicle Repossession in South Carolina
Sometimes the person you overlook is the one you’ll never forget.
The Leadership Lesson I Never Saw Coming
My latest Substack post.
getoutofdebtguy.substack.com
April 13, 2025 at 4:49 PM
Sometimes the person you overlook is the one you’ll never forget.
The Most Valuable Financial Lessons Might Come From the People You Least Expect
The Most Valuable Financial Lessons Might Come From the People You Least Expect
When it comes to money, we’re taught to look for answers from the “experts.” Financial advisors. Money gurus. People with podcasts and pie charts. But what if I told you some of the most important financial lessons don’t come from certified professionals… but from the everyday people you never thought of as mentors? 🎧 I …
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getoutofdebt.org
April 13, 2025 at 4:43 PM
The Most Valuable Financial Lessons Might Come From the People You Least Expect
What the Fed Just Discovered About You (and Why It Matters More Than You Think)
What the Fed Just Discovered About You (and Why It Matters More Than You Think)
Let’s play a quick game. What do you think the average American believes will happen to the economy next year? Higher taxes? Less social support? A tightening job market? Maybe all of the above? Well, the New York Fed just published a bombshell set of findings—buried inside are insights that hit a lot closer to …
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April 11, 2025 at 1:22 PM
What the Fed Just Discovered About You (and Why It Matters More Than You Think)
He Almost Fell for a Job Scam — Here’s How You Can Spot the Trap Before It’s Too Late
He Almost Fell for a Job Scam — Here’s How You Can Spot the Trap Before It’s Too Late
Imagine getting an email out of the blue offering you a high-paying remote job with flexible hours, amazing benefits, and no experience required. Sounds like a dream, right? But is it a job scam? Now imagine realizing, after you’ve handed over your personal info, that the “employer” was never real. That’s not a horror story. …
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getoutofdebt.org
April 10, 2025 at 8:46 PM
He Almost Fell for a Job Scam — Here’s How You Can Spot the Trap Before It’s Too Late
Too Ashamed to Start Over After a Financial Failure? This Is What You Need to Hear
Too Ashamed to Start Over After a Financial Failure? This Is What You Need to Hear
If you’re here reading this, it probably means one thing: Something didn’t go the way you planned. Maybe you hit rock bottom financially. Maybe life blindsided you with something bigger than your savings account could catch. Or maybe you’re just emotionally stuck, staring at the mess and wondering how you’re supposed to pick yourself up …
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getoutofdebt.org
April 9, 2025 at 3:47 PM
Too Ashamed to Start Over After a Financial Failure? This Is What You Need to Hear
PenFed Credit Union Slashed My Limit Despite Perfect Payment History – Denise
PenFed Credit Union Slashed My Limit Despite Perfect Payment History – Denise
Reader Question from Debt-free Denise “I paid my PenFed Credit Union cards every month on time. Never missed a payment in 2 years. I paid both off ($15k) in February. Reasoning they reduced my limits was that Equifax stated 1 of 3 possible reasons: My Answer: Hi Denise, thanks for the great question—and for doing …
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April 9, 2025 at 2:46 PM
PenFed Credit Union Slashed My Limit Despite Perfect Payment History – Denise
Making Extra Money Without Burning Out: The Proven Side Hustles That Actually Work
Making Extra Money Without Burning Out: The Proven Side Hustles That Actually Work
If you’d love to be making extra money but you’re sick of the generic advice that goes nowhere, you’re going to love this one. I just dropped a brand-new podcast episode with Damon Day, and this one’s packed with real talk, tested advice, and side hustle ideas that actually work for real people—no fluff, no …
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getoutofdebt.org
April 8, 2025 at 8:29 PM
Making Extra Money Without Burning Out: The Proven Side Hustles That Actually Work
LVNV Funding, Resurgent Capital Services Sued Over Alleged Unlawful Debt Collection Practices After Debt Validation Request
LVNV Funding, Resurgent Capital Services Sued Over Alleged Unlawful Debt Collection Practices After Debt Validation Request
Case Information Allegations at a Glance Cathy Jordan has filed a lawsuit against LVNV Funding LLC, alleging that the company violated federal and state laws through misleading and unlawful debt collection tactics. According to the complaint, LVNV attempted to collect a time-barred debt stemming from a 2007 credit card account that had been inactive since …
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April 8, 2025 at 3:43 PM
LVNV Funding, Resurgent Capital Services Sued Over Alleged Unlawful Debt Collection Practices After Debt Validation Request
Is Debt Shame Wrecking You? Here’s the Truth You Need to Break Free.
Is Debt Shame Wrecking You? Here’s the Truth You Need to Break Free.
It’s 4:03 AM. You’re staring at the ceiling, your stomach in knots, and your brain won’t stop racing. You’ve done the math a hundred times, but the numbers never work. The bills are due, the paycheck isn’t enough, and the pressure and debt shame feel unbearable. I’ve been there. In this video, I talk about …
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getoutofdebt.org
April 8, 2025 at 3:27 PM
Is Debt Shame Wrecking You? Here’s the Truth You Need to Break Free.
Panic Is Expensive: Why Fear Wrecks Your Finances
Panic Is Expensive: Why Fear Wrecks Your Finances
If your 401(k) just took a dive and you’re losing sleep over a debt collector breathing down your neck, you’re not alone—and you’re definitely not doomed. In the latest episode of The Get Out of Debt Guy Podcast, Damon Day and I dive into the emotional side of money decisions and why fear, not facts, …
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April 7, 2025 at 7:49 PM
Panic Is Expensive: Why Fear Wrecks Your Finances
You Are Wrong if You Think Your Debt Disappears if Collectors Don’t Respond in 30 Days
You Are Wrong if You Think Your Debt Disappears if Collectors Don’t Respond in 30 Days
Let me guess—you sent a debt collector a dispute letter, marked your calendar, and waited. Thirty days pass. No response. And now you’re wondering: “If they didn’t verify the debt in 30 days… does that mean it’s invalid? Do I win?” I wish it worked like that. But here’s the truth: not responding within 30 …
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getoutofdebt.org
April 7, 2025 at 2:59 PM
You Are Wrong if You Think Your Debt Disappears if Collectors Don’t Respond in 30 Days
Reflections from launching Episode One of Old Guy Insights Podcast
This Book Sucked (And Maybe So Did I)
My latest Substack post.
getoutofdebtguy.substack.com
April 6, 2025 at 9:18 PM
Reflections from launching Episode One of Old Guy Insights Podcast
Pennsylvania Slams Accelerated Debt Solutions for Illegal Practices — $500K in Refunds Ordered
Pennsylvania Slams Accelerated Debt Solutions for Illegal Practices — $500K in Refunds Ordered
What if the company you turned to for debt relief ended up draining your bank account instead? That’s what happened to dozens of Pennsylvanians who thought they were finally getting a handle on their finances—only to realize they’d been taken for a ride. But this time, the state wasn’t having it. Attorney General David Sunday …
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April 4, 2025 at 8:43 PM
Pennsylvania Slams Accelerated Debt Solutions for Illegal Practices — $500K in Refunds Ordered
The FTC Just Shined a Light on Debt Relief Scams—Here’s the Real Story
The FTC Just Shined a Light on Debt Relief Scams—Here’s the Real Story
You’re trying to get your finances back on track, and then a company calls, claiming they’re from the government. They say they can erase your student loans or settle your debt for pennies.It sounds like a dream… until it turns into a nightmare. On April 4, 2025, the Federal Trade Commission (FTC) released a report …
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getoutofdebt.org
April 4, 2025 at 8:21 PM
The FTC Just Shined a Light on Debt Relief Scams—Here’s the Real Story
Saving Money Might Not Feel Sexy — But It Can Be If You Do This
Saving Money Might Not Feel Sexy — But It Can Be If You Do This
If you’ve ever beaten yourself up for not doing a great job saving money, today’s the day to let go of that guilt. You’re not alone. Most people don’t struggle because they’re lazy or bad with money—they struggle because the system is designed to make you spend. The good news? You don’t need spreadsheets or …
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getoutofdebt.org
April 4, 2025 at 3:24 PM
Saving Money Might Not Feel Sexy — But It Can Be If You Do This
Hoverton, LLC Sued Over Fire-Prone Swagtron Electric Scooters
Hoverton, LLC Sued Over Fire-Prone Swagtron Electric Scooters
Case Information: Allegations at a Glance: David Alvarez brings a class action lawsuit against Hoverton, LLC, the company behind Swagtron, alleging that its SG-5 Swagger 5 Boost Commuter Electric Scooters are dangerously defective. The scooters, powered by lithium-ion batteries, are allegedly prone to overheating and catching fire, posing serious risks of burns, property damage, or …
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April 4, 2025 at 1:16 PM
Hoverton, LLC Sued Over Fire-Prone Swagtron Electric Scooters