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
Consumer Statement: I have had no paper work from Cockburns and ass and i have now idea where i stand . I have pay them more than 4000 and nothing Consumer Action Taken: Can’t reach them by phone or e-mail Date This Problem Happened: October 22, 2014 State You Live in: British Columbia Race/Ethnicity: White … Read more
Consumer Statement: I paid 700.00 a month for 13 months to Sheila Cockburn and Associates They were supposed to be a debt relief company. They did nothing for me except steal my money. Now they are probably scaming people using another name. Sheila Cockburn should be in jail she is the ring leader of this … Read more
Consumer Statement: A little over a year ago I contacted online Cockburn and associates to do a Debt solution on two credit cards ,I was to pay 311.47 a month for three years , I was to recive phone calls monthly to update me and to help any questions I had this went on for … Read more
Consumer Statement: We went to Cockburn & Associate, in April of 2012, because they honestly look legit in helping us to get our debts resolved. They told us to pay them $300.00 per month and that as they negotiated with our debtors they would pay them off one by one as the money built up … Read more
Consumer Statement: I was falling behind in my credit cards payments, and decided to look for options. As the internet seems to be one of the best options, I tried it, and I saw Cockburn & Associate law firm. As a canadian, I saw that the company is located in Canada as well, with a … Read more
Consumer Statement: I tried to get a personal loan with a bank to pay off my high interest credit card debt. But, got rejected, so I started to search for other ways. I saw a website for Cockburn & Associates, and filled out the form for more info. I got a call right away – … Read more
Consumer Statement: I entered into a Debt Settlement agreement with Silverthorn and Lupolover it was taken over by Cockburn and Associate. I’ve paid them almost $7000 and from my perspective they’ve not negotiated with any of my creditors. In February this year I received a letter from CCI financial Inc offering me a settlement for … Read more
Consumer Statement: I received a phone call from my elderly mother yesterday, informing me that she had been contacted by the Law Office of Cockburn & Associate LLP, Debt Settlement about helping her settle her debts. My mother had been pay Cockburn and Associate $300 per month since April 2012 until this month October 2012 … Read more
Consumer Statement: Joined debt solution company Silverthorn & Lupolover for $21,000 in debt for 30 mos., after paying them $465/mon. for 8 mos. one of my creditors filed a judgement and put a lien on my house – Luolover were still saying they could settle it but couldn’t guarantee it – I was not going … Read more