American Debt Control Has Another “Mission”    American Debt Control’s purpose for being in business is to help people get out of debt and take back control of their lives. We see some pretty bad things happen, but for most, there nearly always is a way out.   There are people in our community – and yours – who would gladly trade places with just about any of our clients. These people have no debts. They also have no jobs and no homes.   Many of us have gotten so accustomed to hearing news accounts talk about “the homeless” that we accept the situation as a given. The people who are the subjects of those news stories often have a different perspective, however.   They are real people with real needs and desires to better themselves. We want to help them, too, so the Union Gospel Mission has become part of the mission of American Debt Control.    Each of the departments in our company is a money r... [More]

“It is easy to dodge our responsibilities, but we cannot dodge the consequences of dodging our responsibilities.” Sir Josiah Stamp, 20th Century British industrialist Personal responsibility is the key to this quote. I believe Mr. Stamp was saying we can kid ourselves for awhile, but the problems we duck today will come back tomorrow, and we still have to deal with them.   No finger Pointing! We see that all too often in our business. When people don’t get the debt settlement results they hoped for, some look everywhere but in the mirror for a solution. It always upsets us when someone doesn’t succeed, but it’s even worse when they point fingers at others – sometimes at us – when they need to accept some personal responsibility.   Don’t get me wrong. I’m not pointing my finger, but I feel the need to address this topic because it’s at the heart of achieving success in personal finances, debt settlement and... [More]

A line in a news story about credit card debt caught my eye last week:“Come February 22, 2010, college students won't be tempted with free pizza and other goodies to sign up for credit cards.”If you don’t have college-age kids, you may not know of the aggressive marketing the card companies use on campus. Bank marketers routinely approach college students with offers of free stuff, such as pizza. The kids are easy marks.Expensive Pizza When students go to the pizza place, they are asked to fill out an application. To many students, free food and a credit card of their own is an irresistible combination, so they’re happy to go along. For some, this will become very expensive pizza, as their credit card debts mount.The card companies know not all the students will become long-term customers, but they also know many will. They are pleased to keep the good customers. I doubt they have much concern for the young people they start on a downward spiral of high card ... [More]

Anytime a new blog appears,people must wonder why the author ever would enter such a crowded space. Thousands of new blogs begin – and end – every day, so how can a new one ever hope to attract an audience? Well, the great thing about blogs is they are intended for people who want to read the kind of thoughts the author presents. So, I’m writing this for you, not the world. It’s About People I will write about work, but a lot of other things, too. You see, our business at American Debt Control is people. We keep track of how we’re doing with numbers, but our work is all about helping people solve big problems and get on with their lives. Because this is for you, I’d really like to get your input. I encourage you to add your thoughts in the comments section. I intend to publish comments that disagree with my positions, as well as those that agree. We will screen out the ones with foul or abusive language, but I expect most people to be constru... [More]