Let’s Figure This Out Together
Five quick questions. I’ve walked in your shoes – filed bankruptcy myself in 1990.
I did one-on-one consultations for 30 years. Now I point people to Damon Day – I’ve mentored him since 2006 and trust him completely.
What’s going on right now?
How long have you been dealing with this?
What have you already tried?
How do you learn best?
How complicated is your situation?
Common Questions
Why should I trust your advice over other debt experts?
I filed bankruptcy myself in 1990 when my real estate business crashed. I’m not giving you textbook answers – I’ve lived this. I also ran one of the first nonprofit credit counseling organizations in America, so I’ve seen the industry from the inside. I know which advice actually works and which is just marketing.
Is bankruptcy really an option, or will it ruin my life?
Here’s what nobody tells you: bankruptcy can actually be the fastest path to rebuilding your financial life. A Federal Reserve study found that people who file bankruptcy recover faster than those who don’t. I rebuilt my credit to excellent after my 1990 bankruptcy. The shame you feel about it? That’s been manufactured by creditors who don’t want you to know your legal rights.
What if I’ve already tried budgeting and the snowball method?
If those approaches were going to work for you, they would have worked by now. Debt is math, not morality – and sometimes the math just doesn’t add up no matter how hard you try. That’s not a personal failure, it’s a signal that you need different tools. The podcast episodes where Damon and I discuss real situations might give you perspective the mainstream advice won’t.
Who is Damon Day and why would I talk to him?
Damon is someone I’ve mentored since 2006. He’s a debt coach – not a salesman. He doesn’t sell debt settlement, credit counseling, or any financial product. He gets paid for his time, which means his only job is to help you figure out what’s actually best for YOUR situation. When your situation is complicated, a real conversation beats generic advice every time.
Do you make money from recommending certain solutions?
No. I don’t take affiliate fees from debt companies, I don’t get paid to recommend bankruptcy attorneys, and I don’t sell financial products. I make money from this website and my books – that’s it. When I tell you something is the best option, it’s because I actually believe it’s best for you, not because someone’s paying me to say it.
