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: 2018-11-07 Product: Private student loan Issue: Struggling to repay your loan Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: I am writing for assistance with a private student loan vendor, Citizens Bank. I have two private student loans totaling $ XXXX with high interest rates around 11 %. This results in … Read more
Date Received: 2018-11-13 Product: Private student loan Issue: Struggling to repay your loan Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: On XX/XX/18 I contacted XXXX XXXX , XXXX, the company that handles payments and loan servicing, for Citizens One student loans. I expressed to them that I could no longer afford their … Read more
Date Received: 2018-11-01 Product: Debt settlement Issue: Fraud or scam Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: CFPB XXXX FDIC XXXX. DEAR SIR THIS LETTER WAS SENT REGULAR MAIL TODAY TO ASCERTAIN THE FACT I WAS NOT A RESIDENT OF MASSACHUSETTS AND CITIZENS BANK IS REQUIRED TO RESEARCH THIS A.T.M.FACT, AND THEREFORE … Read more
Date Received: 2018-06-18 Product: Private student loan Issue: Struggling to repay your loan Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: I am a single mother of XXXX kids. I have tried lowering my student loan with Citizen Bank and they will not agree to do it. I could not make my payment … Read more
Date Received: 2017-12-12T00:00:00 Product: Private student loan Issue: Struggling to repay your loan Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: After moving home from my full time job in California ( back to NJ ) to try and help support my father and sister I have only been able to locate a … Read more
Consumer Statement: We were contacted by the Citizens Financial Group-Phoenix, AZ in November of 2011 promising that they could reduce our interest rate in half through a home loan modification. They also guaranteed our money back if we could not get a reduced interest rate. We then gave Citizens Financial Group $2500.00 to proceed. Our … Read more
Consumer Statement: Citizens Financial group sent us a letter promising after we were prequalified for a modification of our loan that if we paid them $2995.00 they would help us reduce our mortgage payment by at least 50% .There was also a 100% money back guarantee policy ,that they would refund 100% of money if … Read more
Date This Problem Happened: October 28, 2011 State You Live in: Massachusetts Race/Ethnicity: Hispanic or Latino Age Range: 51-65 Total Amount of Fee Paid: $2,700 Company Name: Citizens Financial Group Company Address: 40 North Central Ave Suite 1400 Phoenix, Az 85004 Company Telephone Number: 866-573-2890 Website of Company: citizensfg.com Consumer Statement: I was contacted by … Read more
Date This Problem Happened: November 11, 2011 State You Live in: Maryland Race/Ethnicity: White Age Range: 36-50 Total Amount of Fee Paid: $3,750 Company Name: Citizens Financial Group Company Address: 40 North Central Ave Suite 1400 Phoenix, Arizona 85004 Company Telephone Number: 866-573-2890 Website of Company: citzensfg.com Consumer Statement: Contacted by a company by the … Read more
Date This Problem Happened: September 6, 2011 State You Live in: Ohio Race/Ethnicity: White Age Range: 51-65 Total Amount of Fee Paid: $2,500 Company Name: Citizens Financial Group Company Address: 40 North Central Ave Ste 1400 Phoenix, AZ 85004 Company Telephone Number: 866-573-2890 Website of Company: citizensfg.com Consumer Statement: I was promised by Citizens Financial … Read more