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
Date Received: 2019-01-01 Product: Other debt Issue: Attempts to collect debt not owed Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: I am unaware of this account on my XXXX and XXXX credit report. I do not know where this account comes from. I contacted the collection agency with no response. I want … Read more
Date Received: 2018-12-14 Product: Payday loan debt Issue: Attempts to collect debt not owed Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: I became aware of this debt in XXXX, XXXX and I disputed it. I also filed complaints with the FTC and XXXX. I believe this account may be the result of … Read more
Date Received: 2018-11-02 Product: I do not know Issue: False statements or representation Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: AD Astra Recovery Services is reporting on my credit report in the amount of {$1500.00} account # XXXX which is false and its keeping me from obtaining credit. * Were you named … Read more
Date Received: 2018-10-26 Product: Payday loan debt Issue: Attempts to collect debt not owed Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: A few months ago I pulled my credit and notice AD Astra Recovery is reporting a balance of {$610.00}. Because I honestly believe this debt IS NOT mine, I’ve sent letters … Read more
Date Received: 2018-10-24 Product: Payday loan debt Issue: Communication tactics Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: I spoke with a representative at Ad Astra about planning to make a payment of {$50.00} a month and was told that my payment wasn’t enough. The representative was really rude and disrespectful. I failed … Read more
Date Received: 2018-10-18 Product: Payday loan debt Issue: Attempts to collect debt not owed Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: On XX/XX/XXXX, I received communication from the company AD ASTRA claiming I have a debt with them. I need the following : Were you named on the original contract with the … Read more
Date Received: 2018-10-13 Product: Payday loan debt Issue: False statements or representation Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: I obtained what was supposed to be an installmant loan through XXXX XXXX on XX/XX/2017 for a total of XXXX dollars due to hardship. From my understanding they added about 200 dollars worth … Read more
Date Received: 2018-10-10 Product: I do not know Issue: Took or threatened to take negative or legal action Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: I have no knowledge of this debt and who this company or who there client is. I sent a debt validation letter via certified mail and have … Read more
Date Received: 2018-01-06 Product: I do not know Issue: Communication tactics Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: Ad Astra Recovery repeatedly harasses me for a collection on behalf of XXXX XXXX. They call constantly even after I requested they stop. I have disputed this on my credit reports numerous times with … Read more
Date Received: 2017-10-28 Product: I do not know Issue: Took or threatened to take negative or legal action Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: reported XXXX XXXX, XXXX XXXX : XXXX damaged credit not mine Company: Ad Astra Recovery Services Inc State/Zip: TX 752XX Company Response to Complaint: Closed with explanation … Read more