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?
Steve's Thought of the Day
Maybe it is time to read what the Bible really says about bankruptcy instead of listening to the assumptions of others. Throw out your misperceptions and you'll be fine. (And who is stopping you from throwing them out?) - Marcus Aurelius
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?
Steve's Thought of the Day
Throw out your misperceptions and you'll be fine. (And who is stopping you from throwing them out?) - Marcus Aurelius
A now former Enhanced Servicing Solutions debt settlement division employee is reporting the following: “I was an employee of Enhanced Servicing Solutions. As of today 8-23-11 we were shut down. Due to Mr. Johnson and his shady acts we were not able to keep & maintain business operations. Some of the information that was published … Read more
The FTC has settled two actions that charged marketers with deceptively claiming they could reduce consumers’ credit card interest rates. Both operations allegedly made deceptive telemarketing calls, called consumers on the Do Not Call Registry, and used illegal robocalls. The settlements will ban all of the defendants from selling debt relief services. Advanced Management Services … Read more
The IRS has revoked its determinations of the following organizations as described in sections 501(c)(3) and 170(c)(2) of the Code. Christian Credit Counselors International, Santa Ana, CA – 2-28-2011 Consumer Credit Protection Agency, Tampa, FL – 2-28-2011 Debt Serve, Fort lauderdale, FL – 2-22-2011 Falls Consumer Credit Management, Akron, OH and Saint Clairsville, OH – … Read more
A consumer who had enrolled in a debt settlement plan with Safeguard Financial sent me the current company number and asked me to listen to the message. It sure sounds like they are trying to swim away from all the consumers they sold into a debt settlement program. Listen to Safeguard-18885259898 It also appears the … Read more
An awesome tipster (send in your tips here) just sent in the following email they received from Safetrust Financial. Kind of ironic that a debt settlement company goes bankrupt to keep servicing the accounts of people who wanted to avoid bankruptcy. But then uses bankruptcy as a way to shed the liabilities of the affiliates … Read more
Thanks to a tipster (send in your tips here) I found out about a loan modification company in Utah called Modify Utah. The company apparently closed up without advance notice to consumers that had paid for services. The Desert News is reporting: According to a letter from the firm’s attorney, Paxton Guymon, Modify Utah ceased … Read more
A forum poster just submitted the following email allegedly sent out by Greenshield Financial Services. After careful consideration, extensive research, and discussions regarding what is best for our clients, GreenshieldFS is excited to announce that Davenport Law, P.C. a Texas-based law firm, will be providing its services to all of our clients. As we examined … Read more
The IRS has revoked its determinations of the following organizations as described in sections 501(c)(3) and 170(c)(2) of the Code. Advanced Debt Management Solutions, Inc. of Tampa, FL American Family Credit Counseling of Peoria, AZ Apple Consumer Credit Counseling, Inc. of Lynebrook, NY California Consumer Credit of Los Angeles, CA Consumer Counseling Centers of America … Read more
At the request of the Federal Trade Commission, a federal district court in Chicago has shut down an international robocall ring that allegedly conned consumers out of $995 each with false promises that it would reduce their credit card interest rates, but provided little or nothing in return. As part of its crackdown on frauds … Read more
I just spoke to Michael Bovee from Consumer Recovery Network (CRN). Michael is concerned that consumers may be abandoned by debt settlement companies that will go out of business. I was told that one debt settlement trade association recently commented they’ve lost 35% of their members so far and the October 27, 2010 implementation date … Read more