Have you ever felt sick to your stomach about your debt? Like it’s your fault, your shame, your failure?

You’re not alone—and you’re definitely not broken.

In this powerful episode, we’re talking about debt shame—that heavy, quiet monster that keeps you up at night and makes you afraid to ask for help. You’ll hear how it messes with your mental health, relationships, and even your ability to get out of debt.

Here’s what we cover:

• Why debt shame is more common than you think (even among people who look like they have it all together)

• The sneaky ways shame makes debt worse, not better

• How to separate your self-worth from your net worth

• The truth about bankruptcy, credit card debt, and “being responsible”

• Real strategies to let go of shame and finally take action

This isn’t a lecture. It’s a real talk with Steve Rhode, The Get Out of Debt Guy. He’s been helping good people with tough debt problems since 1994, and he knows how to speak truth to the emotional traps keeping you stuck.

This episode is an AI-narrated presentation based on Steve’s article at GetOutOfDebt.org—but it’s not a word-for-word reading. It’s a practical, compassionate breakdown of what you really need to hear.

🎧 If you’re struggling with debt and shame, this one’s worth every minute.

Need help with your own situation? Talk to Damon at DamonDay.com—Steve’s mentored him for years, and he’s one of the smartest, most honest debt coaches out there.

📖 Read the full article:
https://getoutofdebt.org/175138/is-debt-shame-wrecking-you-heres-the-truth-you-need-to-break-free

🎙 Get Out of Debt Like a Pro | Smart Strategies, Brutal Truths & Deep Dives to Get Your Life Back

Keywords: debt shame, emotional impact of debt, credit card debt, bankruptcy, mental health and money, self-worth, debt help, get out of debt, Steve Rhode, Damon Day

Based on a post from GetOutOfDebt.org by Steve Rhode, The Get Out of Debt Guy. In this episode, we bust the myth that debt collectors have to respond within 30 days—or else your debt magically vanishes. Spoiler alert: it doesn’t. Steve breaks down why this popular belief is flat-out wrong, and what actually happens when you send a dispute letter. If you're dealing with debt collectors, you need to hear this before making a costly mistake. For the full article, check the link below.

https://getoutofdebt.org/175121/you-are-wrong-if-you-think-your-debt-disappears-if-collectors-dont-respond-in-30-days

Ever read the fine print on your credit card agreement? Yeah, most people don’t. But what you don’t know can hurt you—especially with Chase.

In this episode, we break down the real story behind the Chase Bank Visa cardholder agreement—the kind of stuff credit card companies hope you’ll ignore until it’s too late. Based on a post by Steve Rhode, The Get Out of Debt Guy, this AI-narrated episode is not a word-for-word reading. It’s a practical, eye-opening guide to what you’re really agreeing to when you swipe that shiny Chase Visa.

🔍 Here’s what we’ll uncover:

• Why your rewards can disappear—even if you did everything right

• The binding arbitration trap that can kill your right to sue

• How Chase can change the rules anytime—and what you can (and can’t) do about it

• What happens if you miss a payment or fall behind

• The fine-print tricks that turn loyalty into liability

This isn’t about fear—it’s about facts. And knowing these terms ahead of time could save you hundreds (or thousands) of dollars down the road.

👂 This episode is for you if:

• You already have a Chase card

• You’re thinking about applying for one

• You want to be smarter with credit—without the legalese headache

• You’ve ever wondered, “What am I actually signing up for?”

  
  

  🔗 Read the original article here: https://getoutofdebt.org/174911/chase-bank-visa-cardholder-agreement-review-what-you-should-know

Suddenly can’t find the Zelle app on your phone? You’re not alone—and it’s not a bug.

In this episode, I break down:

• Why the standalone Zelle app is gone

• How banks are changing the rules of money movement

• What this means for you if you pay rent, split bills, or rely on Zelle for fast cash

• What steps to take now to stay protected and in control

Zelle isn’t going away—it’s just being absorbed into the banks that run it. But that shift changes how you access it, what data they collect, and what risks you face.

This is an AI-narrated presentation based on a post by Steve Rhode, The Get Out of Debt Guy, who’s helped people with tough debt problems since 1994. It’s not a word-for-word reading—it’s an entertaining and practical breakdown to help you stay ahead.

Need help with a debt situation? Talk to Damon at DamonDay.com—Steve has mentored him for years, and he’s one of the smartest, most honest debt coaches out there.

🔗 Read the full article here:
https://getoutofdebt.org/175019/the-zelle-app-is-gone-heres-the-real-reason-why-and-what-you-need-to-do-now

Most people assume they own their credit card account. But what if I told you… you don’t?

In this episode, I break down the truth about credit card ownership, and why understanding who really owns the account could make or break your ability to fight a charge, stop a debt collector, or even win in court. This is one of those hidden-in-plain-sight truths that completely reframes how we think about credit cards—and why the fine print matters more than you think.

Here’s what we cover:

- Who actually owns your credit card account

- Why your credit card issuer can shut you down at any time- What the cardholder agreement really says (spoiler: it’s not in your favor)

- How this affects your rights in credit card disputes and collections

- The relationship between debt ownership and credit card companies

- What to know before trying to pay off or settle credit card debt

This episode isn’t a word-for-word reading—it’s an AI-narrated presentation based on a post by Steve Rhode, The Get Out of Debt Guy, who’s helped people with tough debt problems since 1994. You’ll get an entertaining, no-fluff breakdown of the real story behind credit card contracts, ownership, and control.

👉 Need help with a specific debt issue? Talk to Damon over at DamonDay.com. I’ve mentored Damon for years—he’s one of the smartest, most honest debt coaches out there.

📝 Read the original article here: https://getoutofdebt.org/174883

🎧 Get Out of Debt Like a Pro | Smart Strategies, Brutal Truths & Deep Dives to Get Your Life Back