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
Date Received: 2018-12-10 Product: Other debt Issue: Attempts to collect debt not owed Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: On the XXXX of XXXX, I received a letter from the XXXX XXXX XXXX XXXX claiming to represent a company called XXXX XXXX. My only connection with this company was XX/XX/2017 when … Read more
Date Received: 2018-12-03 Product: Other debt Issue: Attempts to collect debt not owed Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: XXXX XXXX XXXX keeps trying to collect on a debt that I do not owe for XXXX XXXX. I have faxed them and other collection agencies that I do not owe a … Read more
Date Received: 2018-06-26 Product: I do not know Issue: Took or threatened to take negative or legal action Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: My husband & I rented an apartment at XXXX ‘s XXXX ( XXXX XXXX ) since XXXX. We were good tenants and regularly had maintenance repair things, … Read more
Date Received: 2018-06-15 Product: Other debt Issue: False statements or representation Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: I have had this debt collector on my credit report for 3 years and 9 months now. I have never even received a written letter or call about this debt. I don’t recall ever … Read more
Date Received: 2018-04-23 Product: I do not know Issue: Written notification about debt Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: On XX/XX/2018 I received an email from XXXX XXXX XXXX XXXX claiming I owed them {$1400.00}. They have placed a collection on my credit report for that debt 5 years after I … Read more
Date Received: 2018-04-12 Product: Other debt Issue: False statements or representation Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: On XX/XX/XXXX, I sent a letter to XXXX ( XXXX XXXX XXXX XXXX ) in regards to providing me with information to validate the said account which is reporting on my credit report as … Read more
Date Received: 2018-03-26 Product: Other debt Issue: Communication tactics Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: I contacted National credit audit requesting a pay in delete agreement. When I spoke with the individual XXXX she read my the attempt to collect verbiage on my first call I told her my concern and … Read more
Date Received: 2018-03-16 Product: Other debt Issue: Written notification about debt Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: I was never contacted by collection agency, XXXX XXXX XXXX XXXX, or original creditor, XXXX XXXX, about this false debt – {$8000.00}. Original creditor had received a judgment against me on XX/XX/XXXX for {$640.00}. … Read more
Date Received: 2018-03-16 Product: Other debt Issue: Attempts to collect debt not owed Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: I called XXXX off and on for several years since ( XXXX ), and would never get anywhere but rude response from XXXX XXXX. I continued and tried to dispute the inaccuracy … Read more
Date Received: 2018-01-08 Product: Other debt Issue: Attempts to collect debt not owed Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: Debt is not mine ; XXXX misunderstood my previous submission and is treating the situation unfairly. If you would review my previous statement : This debt is not mine ; I had … Read more