Category Archives: Giving Debt Advice

I Suggest Bankruptcy Too Often, So Say Some

I really do read all the comments, all the Twitter messages you send me and appreciate the feedback. Over time a common statement I get is about my recommendations is that people think I suggest bankruptcy too often. For more information on this topic, please see all the links in my free guide about how [...]

How Do You Value Your Quality of Life? Debt Solutions to Fix The Future

Debt doesn’t just affect the people actually in debt, it often affects the ones around them, near and dear to them. I know this from first hand experience as someone who has loved and lived with someone so deep in debt they could not see a way out. Not only is the emotional toll hard [...]

How to Get Out of Debt – Part 1

What People Usually Say About Getting Out of Debt All day, every day, I read and hear the same pleas and wishes from people that want to get out of debt. See if any of these sound familiar to you. “I need fast help in gettin out of debt for free.” “I don’t know how [...]

Do I Meet the Four Traits of a Top Financial Blogger?

Earlier today a Twitter message passed by me with an interesting link to an article in the Globe and Mail about an article, ‘Four Traits of a Top Financial Blog‘. The article got me thinking about the subject so I thought I’d take a moment to revel myself to you. The Four Questions to Ask [...]

Most People Hate the Debt Advice They Get and Instead Seek Out Answers They Want to Hear

Since I’ve been helping people with money troubles, since 1994, one constant has existed, people don’t like the debt advice they get. This is not a reflection on the quality or appropriateness of the advice they get but a reflection of a conflict between what they want to hear and what they do hear. The [...]

Sensible Christian Advice Video to Get Out of Debt

I’ve written in the past about my issues with those outfits that promote themselves as Christian credit counselors. Read “Is Most Christian Debt Advice Bogus? Here’s What Jesus Would Really Do.” But for those that are interested in a good perspective on sensible debt advice based on the bible and scripture, I suggest that you [...]

Debt is Dragging Even Me Down, Mentally.

Right now it is a beautiful North Carolina day with the sun shinning over a blue sky, birds singing and a gentle breeze is blowing. In some respects it is a tremendous day worth living. But I’ve got to be honest, I’m trying to get in the mood to dive into the never ending requests [...]

What Are You Going to Do Today to Help Someone Dying With Debt?

Each day I get up, check my inbox and tackle answering emails and questions from people that are suffering with debt issues. I do it because I think it is the right thing to do. It is something tangible I can do to ease the suffering, fear, uncertainty and anxiousness that many are suffering with [...]

I’m Inquiring About You. – Ellen

Ellen sent in a question that I thought was worth covering again on this site. Here is what Ellen sent in. I’m inquiring about YOU. I sent this email a few minutes before but don’t think it went through, so am writing again. I am inquiring about YOU and your site. You say you don’t [...]

The Perfect Debt Assistance Program

I can dream, can’t I? If I could get a wish for debtors it would be to wave a wand and implement this perfect debt assistance or debt relief program. Here is what the program would look like. A Sliding Scale Nominal Charge – Consumers would have to pay a sliding scale setup fee. It [...]

Debt Counselors of America – What I Learned

In 1994 I decided I would start a non-profit charity to help find good solutions for bad debt problems, all I really knew was that I wanted to help people. Almost every organization at the time was named something with credit counseling in it. I figured that I did not want to counsel people about [...]