GetOutOfDebt.org

A great resource for free assistance and genuine advice on managing and reducing your debt. You'll find a wealth of insider knowledge and helpful tips from the debt relief industry here.

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How Retail Credit Cards Are Driving Americans Into Bankruptcy-and Why It’s Worse Than You Think

1 week ago | getoutofdebt.org | Steve Rhode

Table of ContentsToggleYou walk into Macy’s for a new outfit. The cashier says, “Wanna save 20% today by signing up for our card?”Sounds like a no-brainer. But what if that one decision quietly added seven years of debt to your life? That’s exactly what’s happening to millions of Americans right now. Retail credit card debt isn’t just an inconvenience—it’s become a hidden trapdoor into bankruptcy, especially for young or lower-credit consumers. And it’s only getting worse. Let’s pull back the curtain.
When Love Gets Awkward: The Truth About Financial Intimacy

2 months ago | getoutofdebt.org | Steve Rhode

Table of ContentsToggleFinancial 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.
Too Broke to Win: Why Being in Debt Costs More Than You Think

2 months ago | getoutofdebt.org | Steve Rhode

Table of ContentsToggleâ€śIf you’re broke, why does everything cost more?â€ťBecause the system wasn’t built to help you escapeâ€”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 youâ€™re broke, you donâ€™t just have lessâ€”you pay more. More in late fees. More in interest. More in lost time, bad options, and financial landmines that quietly eat away at your future. And yet, nobody tells you that. So we did.
You Reboot Everything Else-Why Not Your Debt?

2 months ago | getoutofdebt.org | Steve Rhode

Table of ContentsToggleWe 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 are allowed to reset your financial life. You’re allowed to begin again.
Wall & Associates Promised to Settle Your Tax Debt for Pennies. Here’s What They Really Did.

2 months ago | getoutofdebt.org | Steve Rhode

Table of ContentsToggleSpoiler: 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 10 cents on the dollar. Sounds like a dream, right?
In Debt and Starting Over: Why It’s Not the End-It’s the Exit

2 months ago | getoutofdebt.org | Steve Rhode

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. Do You Have a Question You'd Like Help With? Contact Debt Coach Damon Day. Click here to reach Damon. It’s called “In Debt and Starting Over: Why It’s Not the End—It’s the Exit”—and it might be exactly what your heart and head need right now.
Credit Repair vs. Credit Fraud: Why “Fixing Your Score” Might Wreck Your Life

2 months ago | getoutofdebt.org | Steve Rhode

Table of ContentsToggleTL;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. It always starts the same way:“Erase bad credit fast.”“Start over with a new number.”“Get approved for anything in 30 days.”It’s the kind of thing you see on late-night TV or TikTok reels—shady advice dressed up as secret knowledge.
The Credit Trap: How Credit One Built an Empire Off People Struggling to Pay the Light Bill

2 months ago | getoutofdebt.org | Steve Rhode

Table of ContentsToggleImagine 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 a minefield of fees, interest charges, and fine print so thick it makes a payday loan look generous.
Associates Asset Recovery Sued Over Alleged Illegal Vehicle Repossession

2 months ago | getoutofdebt.org | Steve Rhode

Table of ContentsDo You Have a Question You'd Like Help With? Contact Debt Coach Damon Day. Click here to reach Damon. ToggleFiling Date: April 11, 2025Court: U.S. District Court for the District of South Carolina (Columbia Division)Plaintiff: Gloria BirchmoreDefendants: Associates Asset Recovery, LLC; Westlake Portfolio Management, LLC; Patrick K. Willis Company, Inc.
The Most Valuable Financial Lessons Might Come From the People You Least Expect

2 months ago | getoutofdebt.org | Steve Rhode

Table of ContentsToggleWhen 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 just released a new episode on the Old Guy Insights Podcast about this very thing.