Each of us lives only now, in this brief instant. The rest has been lived already. So make the most thoughtful choices you can today that will lead to a better future.
Steve's Thought of the Day
Stop drifting and hoping a magic solution will appear. Instead, you can participate in rescuing yourself. Find peace by pursuing facts through trusted advisers and research rather than the blind trust of salespeople trying to sell you something by almost any means necessary.
Steve's Thought of the Day
Make decisions to deal with your debt with logic and facts, not assumptions, and worry about what other people will think. People who judge you will soon be forgotten. Nobody thinks about anyone that much.
Steve's Thought of the Day
The world is nothing but constant change. Your life is only a perception. Choose a way out of debt based on facts, not assumptions. Do what is best for your future because those that judge you will not feed you.
Steve's Thought of the Day
Do you have a greater responsibility to repair your financial past or your financial present and future? Make good choices that allow you to tackle your debt and immediately start building your emergency fund and saving for retirement. Tomorrow will be here before you know it. Lost time is a sin.
Steve's Thought of the Day
There is no sense in wasting a perfectly good financial mistake. Instead, learn from it and do better moving forward. The past is gone. Turn and face the future now.
Steve's Thought of the Day
Those who judge you for past financial mistakes are not your friends. So don't make choices about your future out of fear of what they may think. Instead, make choices based on truth, fact, and what is best for you moving forward from today.
Steve's Thought of the Day
Don't believe everything you think. Challenge your assumptions about getting out of debt. Do what is best for you, not others.
Steve's Thought of the Day
Is it less moral to file bankruptcy or to not take action that leaves you old, broke, hungry, and dependent on others?
Steve's Thought of the Day
If bankruptcy is so bad, why did our Founding Fathers specifically include it in the U.S. Constitution as protection for financial difficulties?
Stop listening to people that say bankruptcy is a last resort. It is neither first nor last. It is a tool like credit counseling, debt settlement, and others. For the best result, you need to use the right tool for the job.
Steve's Thought of the Day
People that tell you to avoid bankruptcy want to sell you something else are repeating something they heard or do not know what they are talking about. Get the facts and then make your own decision. Don't let an unskilled script-reading commissioned salesperson make life decisions for you.
Steve's Thought of the Day
Debt problems are like fingerprints. No two are alike. A one-size-fits-all solution will give you a one-size-fits-all result. You deserve better.
Steve's Thought of the Day
You are not your debt. Your value, self-esteem, and existence should not be defined by the money troubles you may be facing right now. Debt problems are solved with proper action, not guilt, self-hatred, and disgust.
Steve's Thought of the Day
Debt is nothing more than math wrapped in emotion. The math is easy, the emotional part leads us to do impulsive things. Not the right thing.
Steve's Thought of the Day
What type of money personality do you have? It is important to know. Take my online test now and discover how you unconsciously deal with money, credit, and debt.
Steve's Thought of the Day
How much retirement savings are you willing to throw away by dealing with your old debt instead of preparing for your financial future? Find how much you will lose by making the wrong choice. Use my online debt repayment calculator now.
Steve's Thought of the Day
Does it make more sense to ask for life-altering debt advice from an unskilled and untrained commissioned salesperson in a call center or an experienced debt coach like Damon Day that provides a customized solution for money troubles?
The Federal Trade Commission is sending 22,817 checks totaling more than $2 million to borrowers who lost money to a student loan debt-relief scam that operated under the names Student Debt Doctor. Consumers who receive checks should cash them within 90 days, as indicated on the check. Recipients who have questions about their refund should … Read more
Macy Hanson – Crusader Macy Hanson, an attorney out of Mississippi appears to have risen to the level of a crusader against some student loan assistance companies. Once a situation escalates to the crusader level and it becomes personal, watch out. Or at the very least, watch the cases closely if you are a client … Read more
In January of 2020 the Consumer Financial Protection Bureau (CFPB) went after Chou Team Realty, Monster Loans, MonsterLoans, Lend Tech Loans, Docu Prep Center, DocuPrep Center, Certified Document Center, Document Preparation Services, Certified Doc Prep, Certified Doc Prep Services, Assure Direct Services, Direct Document Solutions, Secure Preparation Services, Docs Done Right, Bilal Abdelfattah, Belal Abdelfattah, … Read more
The Consumer Financial Protection Bureau (CFPB) today sued a student loan debt relief company, its owner, and manager for allegedly charging thousands of consumers more than $3.5 million in illegal upfront fees. The lawsuit filed in federal district court accuses California-based Student Loan Pro, Judith Noh, and Syed Gilani of violating the Telemarketing Sales Rule … Read more
American Financial Support Services was shutdown for bad acts by the Federal Trade Commission. They were raided as a result of student loan assistance services they were selling. The allegations made were disturbing but consumers appear to be getting kicked twice. The court-appointed receiver in the case just announced the following: “The Receiver’s office received … Read more
Back in May the Consumer Financial Protection Bureau (CFPB) entered a stipulated final judgment and order against Defendant Chou Team Realty, LLC, Defendants and Relief Defendants Thomas Chou and Sean Cowell, and Relief Defendants TDK Enterprises, LLC and Cre8labs, Inc., which resolved the Bureau’s claims against them. On July 7, 2020, the Court entered a … Read more
It appears Premier Student Loan Center has come to an agreement with the Consumer Financial Protection Bureau (CFPB) the State of North Carolina, and the State of California regarding the case brought against them for scamming consumers. This case ranks in the top of of most interesting raid reports. The companies that were the focus … Read more
The U.S. District Court for the Central District of California has ruled in favor of the Federal Trade Commission in a case against the operators of a student loan debt relief scheme. The defendants are banned from telemarketing or providing debt relief services. The court found that the operators, doing business as Federal Direct Group, … Read more
Equitable Acceptance has been or was a big player in the student loan assistance space. While it might not have been the intention of Equitable Acceptance to create an unfortunate situation of enabling less than stellar student loan relief companies to sell questionable services, sell the originated contracts to Equitable Acceptance, get paid a portion, … Read more
The Consumer Financial Protection Bureau (Bureau) today filed a complaint in the federal district court for the Central District of California against GST Factoring, Inc., which runs a student-loan debt-relief business in Texas, and two of its owners, Rick Graff and Gregory Trimarche, as well as Champion Marketing Solutions, LLC, a customer service and marketing … Read more