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🎯 What “Debt Free” Really Means Let’s get real about something that should be simple—but never really is: Getting debt free. Sounds straightforward, right? Pay off what you owe, and boom—you’re free. But if you’re feeling overwhelmed, frozen, or completely burned out trying to chase that dream, you’re not the problem. The real issue? There …
When someone you care about is stuck in a debt crisis, it’s easy to feel helpless—or worse, to say something that accidentally makes them feel even more ashamed or alone. I’ve been helping people with debt problems since 1994, and I’ve seen it too many times: well-meaning friends and family give advice that backfires, not …
You’ve probably seen the ads: 🚨 “Get free government debt relief programs now!”🚨 “Erase your debt—no cost, no problem!”🚨 “Special stimulus program wipes out what you owe!” Sounds amazing, right? Well, here’s the thing—those ads are lying to you. There’s no secret government program handing out debt erasers like Oprah giving away cars. BUT—and this …
Feeling like your finances are running the show while you’re barely hanging on? You’re not alone—financial anxiety is real, and it’s more than just numbers. In this episode, Steve and Damon dive into the sneaky ways debt messes with your mental health, the telltale signs of financial stress (spoiler: if you think you have a …
In this episode of Get Out of Debt Guy, Damon Day and I discuss a major problem keeping people stuck in debt: misconceptions. I wrote an article explaining why so many people believe their financial situation will magically fix itself… even when all signs point the other way. We get into the science behind it—how …
Introduction: The Truth About Debt No One Talks About I remember the moment debt took over my life. I had a stack of overdue bills sitting on my kitchen table—credit card statements, past-due notices, letters with big, bold warnings like “FINAL NOTICE” and “IMMEDIATE ACTION REQUIRED.” Every time I looked at them, my stomach tightened. …
Ever looked at an apple and thought, “That’s red,” only to realize that color is just your brain interpreting light waves? Wild, right? Well, your perception of debt works the same way. What you think is happening with your money isn’t always what’s actually happening—and that disconnect can cost you big time. The Reality Filter: …
Being in debt is a terrible situation. You are at your lowest moment in life or darn near close to it. On top of that you may be experiencing the common side effects problem debt brings like depression, hopelessness, feelings of failure, or marital strife. The one point most can agree on is being in …
A survey by Bankrate.com that was conducted at the beginning of February, 2012, which found people are feeling more confident about their financial standing. That’s good news for a rebounding economy. Bad news for debt advice providers. The most shocking figure for me, in a positive way, was that more than 70 percent report having …
Loyal readers may have observed that I routinely never mention IAPDA, the International Association of Professional Debt Arbitrators (IAPDA) or even mention that a company may display their logo as being a member. It’s not that I’ve not noticed their logo displayed on sites, it’s that many in the industry have disparaging things to say …