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
Question: Dear Steve, I noticed Golden Financial Services is pushing their “Debt Validation” as a way to save more money compare to debt settlement with various internet marketing. I did more research and found they use a company called Actify Solutions for this debt validation. By reading through the BBB complaints of Actify Solutions, I … Read more
Question: Dear Steve, Joined Actify Solutions in September 2017 in response to more than 20K in credit card debt. I was almost 30K in total credit card debt in 2017. My debts were coming due and to delay filing for bankruptcy I joined their service. I paid about $267 per month for 12 months during … Read more
Question: Dear Steve, Two yrs. ago, I received a mortgage refinance solicitation, got approved but turned down the offer due to the high-interest rate. At that time, my credit score was 788. The Broker then referred me National Accounts who can settle w/ my creditors to lower my monthly payments. I never missed any of … Read more
Question: Dear Steve, I have $21,000 in credit card debt with high interest and I can only pay minimums. I was laid off from a job of 6 years in August. I was given severance pay until the end of Oct and started a new job Nov. 1st. I make about $10,000/year less now. My … Read more
Question: Dear Steve, I’m in debt with credit card,and I was notified by Actify Credit Solutions, they want to repair my credit, should I trust this company? I’ve tried talking to the credit card companies to lower my payment, by reducing my interest rate but they won’t do it. Should I go ahead with this … Read more
A kind reader forwarded me a client agreement from a company called Prime Solutions. I thought this was just another client agreement but two things happened. The first was I did some quick math on how much the purported credit repair services were costing. The second was I reached out to Prime Solutions and got … Read more
Please share your experience with this debt relief company and provide your review and feedback, in the comments section below. The goal of this page is to allow people to share information that may be important to help others to make a more informed decision regarding their experience with this debt relief company. Here are … Read more
Question: Dear Steve, My husband and I have about $18,000 in credit card debt and unsecured debt. We got into trouble after my husband had a stroke in 2014. I had to close down his trucking business. I was able to pay off most of that debt, but got behind on our personal debt. I … Read more