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
The U.S. District Court for the District of Nevada has ruled in favor of the Federal Trade Commission in a case against the operators of a scheme that deceived financially distressed homeowners by falsely promising to make their mortgages more affordable. The defendants also charged consumers illegal advance fees and unlawfully told consumers not to … Read more
Benjamin R. Horton is banned from the debt relief business under a settlement with the Federal Trade Commission for his role in a mortgage relief scheme that falsely promised financially distressed homeowners foreclosure prevention and more affordable mortgage payments. According to the FTC, the operation typically charged consumers $3,900 in unlawful advance fees and touted … Read more
The Federal Trade Commission has charged a mortgage loan modification operation with deceiving financially distressed homeowners by falsely promising to prevent foreclosure and make their mortgages more affordable. A federal court temporarily halted the scheme and froze the defendants’ assets at the FTC’s request. According to the FTC, the defendants typically charged consumers $3,900 in … Read more
On January 8, 2018, the Federal Trade Commission filed suit against Consumer Defense, Consumer Link, Prefered Law, American Home Loan Counselors, American Home Loans, Consumer Defense Group, Modification Review Board, Brown Legal AM Property Management, FMG Partners, Zinly, Jonathan Hanley, Benjamin Horton, and Sandra Hanley. The Defendants, in this case, are names I recognize from … Read more
Maybe more in the debt relief world can learn by the unfortunate actions below by the Connecticut Department of Banking. I’ll let their words give the lesson that needs to be learned. LOCN, Inc, United Relief Services – December 3, 2014 1. LOCN Inc. d/b/a United Relief Services CEASE AND DESIST from violating Section 36a-671(b) … Read more
Consumer Statement: In August 2010 we were having some financial problems paying our mortgage. We received a letter in the mail from a firm called Compass Law Office saying that they might be able to help us do a modification on our home loan. We then called them to see what it was about and … Read more
“Dear Steve, I recently contacted Preferred Law PLLC to help me with BOA Modification. I have tried for 14 months on my own and this is just to much stress. Of course, they said that they could get it done within 4-6 months and the cost would be $3,900.00. Stop making my mortgage payments, they … Read more
“Dear Steve, I have been looking into the Making Home Affordable Program. I found some companies offering assistance and asked for call backs. I have also been reading some of what they are allowed to do, not do, offer or not offer. I got a call back today from “the Modification Review Board.” I am … Read more
“Dear Steve, I am currently working with Preferred Law, in Sandy, Utah. I noticed many negative remarks concerning their business practices. They are supposed to be helping me with issues regarding my Loan Modification from Aurora Bank that was totally approved. A few weeks after the approval and continued making payments, Aurora sold the account … Read more
Consumer Statement: I had a Mortgage with Aurora Mortgage since 2007. It was a 5 year interest only arm. This year the arm payment changed from $460.00 to $946.00. So I applied for a Loan Modification. After going through the test period the Loan Mod was accepted by Aurora Mortgage. They sent the contract which … Read more