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
Question: Good morning, I’m not sure if you can help as this is Dubai, UAE specific. Due to unforeseen circumstances, I was left in a very difficult and desperate situation which resulted in me having to leave Dubai with an outstanding debt of 90 K AED debt. I tried to liaise with the bank for … Read more
Question: Jon, Received an email from Judge & Priestley saying there client Emirates NBD bank in Dubai is chasing me for an unpaid credit card. I haven’t acknowledged or rang j&p to discuss. Can they legally pursue me and can they demand payment even though the debt is in UAE? Please can you advise if … Read more
Question: Dear Steve, Hi there I left Dubai in 1998 with a debt of around 15000 GBP; I was in a dreadful situation personally, my wife and I pregnant and my employer is quite difficult. We left on vacation and didn’t return. As my passport was being withheld, as is Policy I believe, yet felt … Read more
Question: Dear Jon, I had a bank loan in Dubai along with credit cards as well. Recently I couldn’t afford to make the payments as well as covering the living expenses. The job was not secure as well so I left the country. I have a travel ban in place already and its only been … Read more
Question: Dear Jon, I have a debt of 20,000 aed in Dubai. I moved to Australia last year. Now a debt collection agency from Dubai contacted my employee in Australia to confirm my contact details. Is it possible for them to take legal action in Australia or hand over the debt to an agency in … Read more
Question: Dear Jon, My Father just died and I found out that he have a pending balance (a debt to be paid) in HSBC Dubai. I have no access to any information apart of his emails where i found out, and I live in europe. Should I pay the debt? How can I know what … Read more
Question: Dear Jon, I had a credit card debt with nbd which I settled in 2008, got a receipt and my original security cheque back. 8 years after paying what the bank asked me to pay, I had been contacted by a debt collection agency in Dubai demanding an astronomical amount based on this old … Read more
Question: My Husband worked in a private firm in Dubai from 2012 – 2015. Myself and my son was on residence visa as his dependent. Due to his employer not paid the salary for more than 4 months ,we were not able to survive in Dubai and left the place abruptly with credit card due … Read more
“Dear Jon, I am single mom with 3 kids last year i left Dubai to go back to Romania. I left loan of 100000 Dth no paying back to the bank because one of my kids need very urgent expensive operation. Now i get job in UK i need to know if I don’t pay … Read more
Question: Dear Steve, I have FGB credit card,the limit is only 9000 aed and I have it from almost 7 years, and last 3 months I haven’t made a payment because of no job. They are emailing me that if I didn’t make a payment the will file a case, they just email me not … Read more