A Quote by Mark Goulston
When you are continuing to be in debt or are going deeper into it, every time a creditor calls, it rubs your face not only in how vulnerable you are, but that people are out to get something from you that you don't have to give.
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The debt settlement company will direct you to stop paying your creditor and instead send the money directly to them each month. The company's goal is to demonstrate to your creditor that you don't have the money to pay up - that's your leverage. After a few months, the company will typically go to the creditor and say, "I'm holding X dollars on behalf of your customer. He doesn't have the money to pay you, so you should take this amount as a settlement or you'll end up with nothing." If the creditor wants to get paid badly enough, it will take the money.
Economic polarization is also occurring between creditor and debtor nations. This issplitting the eurozone between Germany, France and the Netherlands in the creditor camp, against Greece, Spain, Portugal, Ireland and Italy falling deeper into debt, unemployment and austerity - followed by emigration and capital flight.
When you default on a secured debt, the creditor takes the asset that backs up that debt. When you convert credit card debt to mortgage debt, you are securing that credit card debt with your home. That's a risky proposition.
Sometimes a creditor is willingto do this as a bargaining point - you give the creditor cash in hand, it gives you a positive listing on your credit report - even though you haven't paid the full amount. Get this agreement in writing.
There are people that are always going to dive in and look deeper. Then there are going to be people that don't want to give you the credit or say you don't have the capacity to even contribute something to society. They're going to take it at its surface level and never dive deeper. It is what it is.
I think reporters think that they can get something extra out of a person face-to-face, but in reality people just give stock answers because there's a social situation going on.
Debt settlement companies work as a middleman between you and your creditor. If all goes well (and that's a big if), you should be able to settle your debts for cents on the dollar. You'll also pay a fee to the debt settlement company, usually either a percentage of the total debt you have or a percentage of the total amount forgiven.
Money can make people look at you in strange ways. You get phone calls from people you haven't spoken with in a long time, and they'll leave a message saying, 'Do me a favor, call me back. I have something I want to ask you.' I'm not going to answer those calls, because there's always something behind it, like a loan.
There is something that can happen to every athlete and every human being; the instinct to slack off, to give in to pain, to give less than your best; the instinct to hope you can win through luck or through your opponent not doing his best, instead of going to the limit and past your limit where victory is always found. Defeating those negative instincts that are out to defeat us, is the difference between winning and losing - and we all face that battle every day.
A creditor is worse than a slave-owner; for the master owns only your person, but a creditor owns your dignity, and can command it.
Let every man, every corporation, and especially let every village, town, and city, every county and State, get out of debt and keep out of debt. It is the debtor that is ruined by hard times.
Every debt is ultimately paid, if not by the debtor, then eventually by the creditor.
The biggest change we have to tackle that's out there is that we're digging the hole deeper and deeper and spending is totally out of control. And that's something that, quite frankly, is affecting future generations. You're giving a lot of debt to them and you can't keep doing it. It's not helping anybody.
When you have people who are embarrassing themselves for a living, who are making themselves look foolish and vulnerable and emotional for a living, your day-to-day reality is going to be a high-wire act. People are going to get in fights. People are going to get upset. People are going to walk off set. People are going to call each other names. It happens on every film that has any emotional people.
Having serious consequences to your decision-making process is something you have to be very comfortable with. It's something you learn and you practise over time, so I encourage people to find some way to challenge themselves. The other thing I share with people, which I've learned over time, is self-confidence. You have to get very comfortable with saying, "Well, every day, I'm just going to give my best. I have skill sets I've learned, I'm going to employ them, and my best is going to be good enough".
There are 6 billion people in the world and every single one is a diamond in some stage of being polished. Life is either going to polish you up or grind you down. And the difference between the two lies in how much hope you have, how much faith you have in the fact that you do carry something special on the inside that's waiting to get out. Many give up, not knowing they were only 10 minutes from triumph.
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