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
A reader sent in this information. “Tara Hernandez (Mcglynn). Remember United Credit Consultants from Minnesota? Joe’s ex-wife tried opening her own which you had reported on here. Now Tara is running thecreditrepairexperts.com under her boyfriend’s name Trevor Scott. I couldn’t find a license for it just the LLC filing. It’s unfair she’ll rip off more … Read more
CBS Minnesota is reporting the following: “A credit repair business owner from the Twin Cities is pleading guilty to using tax money on his luxurious lifestyle. WCCO has been investigating Joe McGlynn and his credit repair companies since 2015. In April of that year, the Department of Commerce revoked the license for United Credit Consultants, … Read more
Joe McGlynn appears to have finally received the boot from Minnesota. For those who may be unfamiliar, Joe McGlynn and iterations of United Credit Consultants, CreditServices,com, and Your Credit Teams have been problematically in the news. In the past when I publish information about McGlynn, the comments get pretty nasty so we shall see what … Read more
A reader sent me a link to a recent news story out of Minnesota about United Credit Consultants, now known as CreditServices.com, who is raining suspicions again. You can see the local television news story here. According to the news report, the Minnesota credit repair company changed names to start over after United Credit Consultants … Read more
A tipster (send in your tips here) contacted me and alleged that United Credit Consultants was now operating as Your Credit Team and CreditServices.com. So I went to check what I could find. For those that want to catchup on past stories about United Credit Consultants, click here. I recently wrote that on October 1, … Read more
McGlynn Marketing, doing business as United Credit Consultants and Debt Settlement Solutions is back in the news again. A reader alerted me to a recent enforcement action against the company so I hunted it down. My perplexation (just made that word up) started back in March, 2014 when I wrote “United Credit Consultants Says the … Read more
I just learned that someone initiated a DMCA complaint with Google to have a United Credit Consultants article I wrote, hidden from readers by Google. See update at bottom of the article. The notice sent to Google reads: “Hello, Google has been notified, according to the terms of the Digital Millennium Copyright Act (DMCA), that … Read more
Burnsville, Minnesota (PRWEB) March 31, 2015 – United Credit Consultants was honored during awards gala banquet in late February at the Bellagio Hotel in Las Vegas. More than 500 executives from the U.S.A. and several other nations attended. United Credit Consultants was presented with a Gold Stevie® award in the ‘Innovation In Sales’ category in … Read more
In a story I’ve been working on for a bit, United Credit Consultants in Minnesota had said something in a press release that caught the attention of readers who brought it to my attention. It seems United Credit Consultants was saying they had FICO certified negotiators who could provide debt settlement service. But not only … Read more