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?
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?
The Federal Trade Commission obtained an order halting a credit repair scheme that allegedly bilked consumers out of millions of dollars by falsely claiming they will remove negative information from credit reports, while also filing fake identity theft reports to explain negative items on customers’ credit reports. At the request of the FTC and the … Read more
Question: Dear Steve, I am 32,000 in debt from student loans. My mother pulled out these loans under my name and using my login information on the college site. All of this money did NOT go to me. I was never allowed to ask where it went or how much she was pulling out under … Read more
Question: Dear Steve, I live in Georgia and I have a T-Mobile bill in collections account that has been on my credit since 2015. It was an account that a family member opened in my name and I didn’t want to file a police report (I know crazy). While the collection appeared to be dormant, … Read more
Question: Dear Steve, My daughter signed up for two credit cards and had my name added on I did not sign anything. If my daughter files for bankrupt can they go after me for the balance? Jerry Answer: Dear Jerry, Yes, unless you identify yourself as a victim of identity theft. You will need to … Read more
Starting today, consumers who are concerned about identity theft or data breaches can freeze their credit and place one-year fraud alerts for free. Under the new Economic Growth, Regulatory Relief, and Consumer Protection Act, consumers in some states – those who previously had to pay fees to freeze their credit – will no longer have … Read more
Question: Dear Steve, I graduated from college in 2014 after spending five years in school due to a college transfer my second year in making me incur an extra year. I have several student loans in my name, mostly through Navient and a Perkins loan in my name I believe that’s currently being paid by … Read more
Question: Dear Steve, My husband and his business partner used my daughter info to get a private loan. The partner later took my husband to court alleging identity theft because the loan was also in my daughter’s name she was also implicated but charges were later dropped and it was later determined that actually her … Read more
Question: Dear Steve, Ex-wife took out a student loan in my name without my knowledge. didn’t care at the time but now it’s affecting my ability to go back to school since there are holds in my name. What do I do now? Do I have to pay back the loan? Can I ever go … Read more
Question: Dear Steve, My husband filled out several car loans applications without my knowledge and put me in as co-applicant, now I have 8 hard inquiries on my report and can’t get them off How do I get them off, equifax took them off but TransUnion won’t. Gail Answer: Dear Gail, The issue here has … Read more
Question: Dear Steve, In 2015, my ex-husband used a credit card after our divorce with my name on it. He charged several thousand dollars on my card, then never paid the credit card company or me. The debt went into collections and I paid-off the $7,000 balance. How do I get reimbursement from my ex-husband … Read more