Get Out of Debt Guy

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Get Out of Debt Guy I give people free, caring, compassionate, and practical advice on money, credit, and debt issues. The home of Debt Expert – Steve Rhode

20/06/2025

I wrote this because I care about you and the financial struggles many of us face today. Walking into a store like Macy’s and being offered a 20% discount for a credit card can feel like a great deal at first. But I’ve seen how decisions like this can silently burden you with years of debt. It’s heartbreaking to realize that a simple choice can add so much stress and financial strain to your life.

Have you ever found yourself in a similar situation? Let’s talk about it in the comments. I’m here to help!

I've been through my share of awkward financial conversations over the years, and let me tell you, it can feel like navi...
22/04/2025

I've been through my share of awkward financial conversations over the years, and let me tell you, it can feel like navigating a minefield. We're often so open with our partners about our dreams, our family plans, and our everyday lives, yet when it comes to discussing credit scores or debt, the room suddenly gets silent. I wrote this because I believe we need to break that barrier. Love is built on trust, and financial intimacy is just as important as sharing your favorite Netflix shows.

I've seen couples struggle because they avoided these tough talks, only to face bigger issues down the road. It's okay to feel anxious about it, but having those honest conversations can really strengthen your bond. Have you been through this? How did you approach the topic? I’d love to hear your thoughts in the comments!

When love is strong but money's off-limits, this episode reveals why financial intimacy matters and how secrets can quietly break relationships.

I wrote this because I know what it’s like to feel trapped by debt. It’s not just about having less money in your pocket...
21/04/2025

I wrote this because I know what it’s like to feel trapped by debt. It’s not just about having less money in your pocket; it’s about those endless late fees, that sinking feeling when bills stack up, and the worry that keeps you up at night. I’ve seen so many people, myself included, think that being broke means you don’t get to enjoy life, but the truth is, it often costs more to be broke. We get hit with the penalties and fees that add up, making it feel impossible to get out of the hole.

Let’s be real for a moment. Have you ever thought about how much those late fees and high interest rates truly affect your life? It’s time we talk about it and support each other through this. You’re not alone in this struggle, and together we can find a way through it. Have you been through this? Let’s talk in the comments.

Discover the hidden costs of being broke in this eye-opening podcast episode. Learn how debt impacts more than just your wallet. 🎧

Hey friends, I wrote this because I’ve been there—you know, that moment when your finances feel like they’re stuck in a ...
18/04/2025

Hey friends, I wrote this because I’ve been there—you know, that moment when your finances feel like they’re stuck in a never-ending freeze? I remember the weight of that stress, feeling like I couldn’t breathe with debt hanging over my head. It’s amazing how easily we reboot our devices when they glitch, yet we forget we can do the same with our financial lives. The truth is, taking that first step towards getting your finances back on track doesn’t have to be as scary as it seems. It might even lead to the clarity and peace you’ve been yearning for.

Have you ever felt paralyzed with debt, just waiting for things to change? Let’s talk in the comments—I’d love to hear your stories and support each other!

Feeling stuck in debt? It's time to hit reset. Discover why rebooting your finances can be the fresh start you need in this insightful episode.

Hey friends, I wrote this because I’ve seen too many people falling for promises that seem too good to be true, especial...
17/04/2025

Hey friends, I wrote this because I’ve seen too many people falling for promises that seem too good to be true, especially when it comes to tax debt. I remember a time when I felt overwhelmed and anxious about my own debts, thinking there had to be an easy way out. Then I learned that some companies, like Wall & Associates, prey on that desperation, making big promises but leaving you in even deeper trouble.

What I want you to take away from this is that it’s crucial to do your homework and trust your instincts. There are honest solutions out there, and you don’t have to navigate this alone. If you’ve ever felt stuck or confused about your financial situation, you’re not alone. Let’s talk in the comments about what you’ve experienced or how you’re tackling this challenge.

Find out how a tax relief company scammed clients of millions and what the court ordered in restitution and penalties. Protect yourself from similar scams!

I wrote this because I know how it feels to wake up in a cold sweat, overwhelmed by debt and wondering if there's any wa...
17/04/2025

I wrote this because I know how it feels to wake up in a cold sweat, overwhelmed by debt and wondering if there's any way out. Trust me, I've been there. It can feel like you're in a tunnel with no light at the end, but I promise you—it's not the end. It’s just the beginning of a new chapter in your life where you take control and start fresh.

In my latest podcast episode, "In Debt and Starting Over: Why It’s Not the End—It’s the Exit," I share some honest insights that might just spark the hope you need. Remember, taking the first step is always the hardest, but it’s also the most important. Have you been through this? I’d love to hear your story and how you found your way back. Let’s talk in the comments.

Find out why starting over financially is not the end, but a chance to breathe. Damon shares why it's okay to walk away from debt and start anew.

I wrote this because I've seen too many people caught in the web of credit card traps, and it breaks my heart. We’ve all...
15/04/2025

I wrote this because I've seen too many people caught in the web of credit card traps, and it breaks my heart. We’ve all been there—overwhelmed, anxious, and just trying to stay afloat when an envelope arrives promising relief. That shiny card from Credit One might look like a solution, but more often than not, it leads to deeper struggles. I remember one client who thought it would help her pay the bills but ended up with mountains of debt instead.

It’s so easy to feel hopeless when we’re juggling bills and can’t seem to catch a break. But remember, you’re not alone in this. We all carry burdens, and it’s okay to seek genuine paths to relief without falling into new traps. Have you found yourself in a similar situation? Let’s talk in the comments.

Learn how credit one profits off your financial struggles with hidden fees, interest charges, and a business model built on punishment.

I wrote this because I’ve seen so many people fall for the shiny promises of quick credit repair solutions, only to find...
15/04/2025

I wrote this because I’ve seen so many people fall for the shiny promises of quick credit repair solutions, only to find themselves in a far worse situation. It breaks my heart to hear their stories—how they wanted to turn their financial lives around but ended up tangled in scams that lead to identity theft and even legal troubles. Trust me, fixing your credit isn’t as complicated as they make it sound, but it does take some patience and honest effort.

Have you ever felt overwhelmed by your credit situation, wondering if you should take the shortcut or do the hard work? Let’s talk about it in the comments. I want to hear your experiences and help where I can!

Discover the truth about credit repair: it's not as complicated as you think. Avoid fraud and prison time with these simple steps.

Hey friends, I wanted to share a story that really hit home for me. Recently, I learned about a South Carolina woman nam...
14/04/2025

Hey friends, I wanted to share a story that really hit home for me. Recently, I learned about a South Carolina woman named Gloria who faced a really tough situation when her Jeep was repossessed—even though she was current on her loan. It’s heart-wrenching to think how easily things can go wrong in our financial lives, especially when we believe we’re doing everything right. I’ve been there, feeling helpless when something unexpected pops up in my finances.

It reminds me how important it is to stay informed about our rights and responsibilities, especially when it comes to loans. Legal battles can be daunting but knowledge is power. Have you ever faced a shocking financial setback? Let’s talk in the comments about what you've learned from your experiences.

Discover key allegations of a lawsuit regarding an unauthorized vehicle repossession causing emotional distress and loss of property.

I wrote this because I’ve learned that some of the most valuable financial advice isn’t coming from the Wall Street wiza...
13/04/2025

I wrote this because I’ve learned that some of the most valuable financial advice isn’t coming from the Wall Street wizards or the latest financial influencer, but from the everyday folks we encounter in our lives. I remember chatting with an elderly neighbor who shared her story of saving every little bit she could, and how that simple habit turned into a financial cushion when times got tough. It’s a humble reminder that financial wisdom often comes from personal experience rather than degrees and certifications.

So, let’s not overlook the lessons from those around us. Have you ever had a conversation with someone that changed your perspective on money? I’d love to hear your stories!

The best money lessons don’t always come from experts. Sometimes, it’s the quiet coworker or a mistake you watched someone else make. Here’s why that matters.

I wrote this because I’m seeing more and more people feel unsure about what’s coming next in the economy. The New York F...
11/04/2025

I wrote this because I’m seeing more and more people feel unsure about what’s coming next in the economy. The New York Fed just uncovered some eye-opening insights about how we view our financial futures, and it struck a chord with me. When I think back to my own experiences, I remember the anxiety of uncertain times, worrying about job stability and what it all means for our families. It’s easy to feel lost in the noise.

But here’s the truth: acknowledging our fears is the first step toward reclaiming our financial independence. We’re all in this together, and understanding these insights can help us navigate the challenges ahead. I’d love to hear your thoughts. Have you felt this uncertainty too? Let’s talk in the comments.

Discover the surprising findings from the New York Fed's latest survey on public policy expectations in the US economy for 2023 and beyond.

I wrote this because I've seen too many people fall into job scams that seem like a golden opportunity, only to discover...
10/04/2025

I wrote this because I've seen too many people fall into job scams that seem like a golden opportunity, only to discover it's a nightmare after giving out personal information. We all want a fresh start, especially in tough times, and it’s heart-wrenching to watch someone lose hope over something that could have been avoided. One time, a friend of mine was so excited about a remote job—high pay, flexible hours—only to find out it was all a ruse. It broke my heart, and it made me realize how much we need to keep our guard up.

So let’s take a moment to talk about it. Have you ever found yourself in a similar situation or heard about someone who almost got caught up in a scam like this? Let’s share our experiences and help each other be a little wiser.

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 ...

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