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?
In a settlement with the Federal Trade Commission, two California-based companies and their principals, who allegedly took hundreds of thousands of dollars from consumers, are banned from marketing auto loan relief or any other type of debt relief to consumers. The FTC filed charges against the companies – Kore Services LLC, doing business as Auto … Read more
The Federal Trade Commission has announced yet another action against a debt relief company that closes their doors but protects consumers. But yet again, here is another example of a scammer being caught and fined, but unable to pay the big fines. Patrick Freeman, the sole owner of Hope for Car Owners has agreed to … Read more
A tipster (send in your tips here) sent in an email they received from 1st Choice Family Solutions regarding their auto loan audit / car modification program. According to the video on the linked site below the service costs $599. The promotional video makes it appear there is a clear relationship between 1st Choice Family … Read more
“Dear Steve, I have been with out a job for about 4 months and I am getting 1200 from unemployment, but I was bringing home around 4000 a month before that so I am really hurting! I want to know how I can lower my car payment so I dont have to give it back … Read more
Previously I wrote about the automobile loan modification group, Auto Relief Group. I had said: Lately I’ve noticed more advertisements and mentions of auto loan modifications or truck loan modifications in what appears to be an effort into charging consumers for a service to help them lower their car payments and avoid repossession. Unilateral loan … Read more
Here is a comercial from an entity that advertises themselves as the Auto Loan Reduction Center. The problem is, after searching, I can’t find any company really named the Auto Loan Reduction Center. – Source. And quite frankly, I’m not surprised. [flashvideo file=/wp-content/uploads/AutoLoanReductionCenter.flv /] Lately I’ve noticed more advertisements and mentions of auto loan modifications … Read more
Address: Unknown. Not on site and no registered company found with the name of Decision One Solutions. Website: DecisionOneSolutions.com Domain name was registered on January 21, 2010 and is owned by Michael Basilicato. mikeyb@mybuzzteam.com Description: “A full service debt solution company” – from Decision One Solutions sales video. [flashvideo file=/wp-content/uploads/mikeybdecisionone.flv /] Decision One Solutions is … Read more