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?
Date Received: 2018-10-09T00:00:00 Product: Auto debt Issue: Communication tactics Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: I have asked Ally Auto Financing back in XXXX then again in XXXX, XXXX and XXXX not to call my cell phone during the hours of XXXX to XXXX XXXX that it is an inconvenient time … Read more
Date Received: 2018-09-24T00:00:00 Product: I do not know Issue: Communication tactics Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: I have received telephone calls from an ” unknown number ” to my cell phone every day for the past two weeks, at varying times of the day. When I answer the phone and … Read more
Date Received: 2018-09-18T00:00:00 Product: Auto debt Issue: Attempts to collect debt not owed Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: I repeatedly called them, spoke with management, customer service told me although its theif they cant do anything about it. Company: ALLY FINANCIAL INC. State/Zip: IL 605XX Company Response to Complaint: Closed … Read more
Date Received: 2018-09-18T00:00:00 Product: I do not know Issue: Communication tactics Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: Over the period of 3 months starting around XXXX, Ally Financial began contacting me trying to reach another person about a debt and leaving messages on my voice mail. I dismissed the calls as … Read more
Date Received: 2018-09-16T00:00:00 Product: Auto debt Issue: Attempts to collect debt not owed Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: I am requesting verification of the account from Ally, account # XXXX on my XXXX report. XXXX has been reporting a balance that is owed. I have paid the balance of in … Read more
Date Received: 2018-09-02T00:00:00 Product: Auto debt Issue: Communication tactics Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: Also involves the phone number XXXX. I have already made payment arrangements with the collector and their website shows the payment arrangement. Even after making an arrangement they still continue to call me. They continue to … Read more
Date Received: 2018-08-20T00:00:00 Product: Auto debt Issue: Attempts to collect debt not owed Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: To Whom It May Concern- I am victim of IDENTITY THEFT. As a result, There was an account FRAUDULENTLY opened in my name with ALLY FINANCIAL. This is one of MANY accounts … Read more
Date Received: 2018-08-11T00:00:00 Product: Auto debt Issue: Written notification about debt Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: Ally Financial continues to report unverified and inaccurate information to XXXX.XXXX and XXXX. I sent a letter on XX/XX/2018 asking for validation of this debt under the FCRA Section 623 ( a ) ( … Read more
Date Received: 2018-08-09T00:00:00 Product: Auto debt Issue: Attempts to collect debt not owed Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: XX/XX/18 Received phone call ( not robo ) from ” XXXX ” who asked for me by name and left voice message asking me to call back regarding a person named ” … Read more
Date Received: 2018-08-09T00:00:00 Product: Auto debt Issue: Threatened to contact someone or share information improperly Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: Good Morning, I have repeatedly requested my creditor Ally Financial not to contact the certain phone numbers. I provided the phone numbers that I did not want them to contact. … Read more