See my research, posts, and articles on debt settlement, including how it works, risks, and alternatives. Click the link to explore key insights and strategies!
Connecticut ordered CDS Financial, David Lugo, and Kevin Lugo to cease and desist and pay restitution. I flagged the same address and manager back in 2019.
Sallie Mae told the SEC that some ‘refinance’ pitches are really pushing able-to-pay borrowers into default. Here’s the filing and what to do instead.
Steve Rhode and Damon Day break down why knowing what to do about debt isn’t the problem — acting on it is, and what actually gets people unstuck.
A fired debt settlement salesperson’s court journal exposes the quotas behind the sales call — and how tax debt really can be discharged in bankruptcy.
A debt settlement salesperson’s handwritten journal just landed in federal court. What it reveals about the person on your call changes how to hear the pitch.
I paid into a debt settlement program for months — and nothing settled. You have legal rights: the FTC advance-fee ban and the right to get your escrow money back in 7 days. Here’s what to do right now.
Steve Rhode and Damon Day on why people punish themselves to repay debt they could legally erase — a 71-year-old refusing bankruptcy, and a man trapped in…
Already in a debt settlement program and wondering if you should switch to bankruptcy? You can leave anytime. Here’s how to decide without the sunk-cost trap.
Yes, a creditor can sue you while you’re in a debt settlement program — and the company won’t defend you. Here’s the one move that protects you: answer the lawsuit.
Steve Rhode and Damon Day explain why six-figure earners still feel broke: a middle-class lifestyle that cost $50,000 in the 1990s now costs $125,000 to $180,000. They break down the spending creep that causes it and how to redirect cash onto the ‘asset train’ before the train leaves.
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Think of this as me — just in AI form. I've walked in your shoes. I filed bankruptcy myself in 1990, and in over 30 years of experience I haven't seen a situation that can't be worked through or a person who deserves judgment. Everything here is built on that experience, that research, and genuine care for you. I can't be there in person. But I can be here.
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