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
West Virginia Attorney General Darrell McGraw announces a settlement his office reached with Capital One Bank (USA) N.A.; Capital One Service, LLC, a Delaware corporation; Capital One Services II, LLC; Capital One Services III, LLC; COSI Receivables Management, Inc. (collectively Capital One), to resolve claims involving credit card practices in place prior to January 1, … Read more
Even though they can’t collect on a judgement against me, I would like to avoid one, especially since it appears to be a bottom-feeding JDB who is suing me expecting a default judgement. I want to make them squirm. The debt was from a Cap One credit card, but was charged off and either sold … Read more
I’ve been sued by Mendelson Law firm on behalf of Asset Management for a debt of roughly $3500 owed originally to Capital One. In February of this year I offered a settlement amount of $1300. After about 5 days they countered at $2300, I re-countered at $1500. I’ve made $50 payments on the 15th and … Read more
I lost my job 3 yrs ago. I was unemployed for 8 months with no income at all. I am now employed – but only part time. Can barely make the house payment and put food on the table for me and my son. I just completed a course to get an Activity Director Certificate. … Read more
“Dear Lewis, Hi, I filed chapter 7 back on 2003 or 2004. but got a credit card after my debt was cleared from capital one. I lost my job and couldn’t pay them. after 6 years they are sueing me for $7,600 when they lend me less then 2000 dollars of credit. Can I fight … Read more
“Dear Steve, I am in CA and I received a call from a collection agency on 9/6/11 about a credit card with Sams Club. They took me completely by surprise and against my better judgment I answered all kinds of questions i.e. Martial status, employment etc. When they told me how much I owed, I … Read more
“Dear Steve, I had good credit until I suffered a stroke after my 25 year marriage fell apart. I am on a fixed income now of $1380 from SSDI. Like Genie was, I am also being sued by Capital one for credit card debt of $3600, + unspecified add’l fees and interest, w/only about 25 … Read more
“Dear Michael, I’m 49 and married. Credit card is with Capitol One and I’ve had it for at least 6 years. No late payments. I don’t remember what my interest rate used to be, I think around 18%, but they raised it a couple of years ago to 24%! A few months ago my limit … Read more
“Dear Jeremy, I received a Money Judgement from the district Justice Court to the Common Pleas Court for 7,071.00. from being sued by Capital One. I tried to set up payments that I could afford, however they said it was not enough. I am recently unemployed and want to know how best to handle this … Read more
“Dear Steve, We had some life changing circumstances in 2004… it led us to stop paying on 11 credit cards. We went through a debt consolidation company and they basically took our $3800 and did nothing… In the past 2 years we have settled on 7 of these accounts. We got into an amazing church … Read more