Got My Student Loan Payments Down To 0...Amazing

Damon, A big thank you for your help on my student loan situation! After following your advice, I went from being told by Sallie Mae that I had to pay about $900 just to get current to receiving monthly statements saying I have $0 monthly payment right now. Amazing! I have referred others to you. Thank you again!
Kelly

This Information Is Not Covered In The CFP Coursework

As a holder of the Certified Financial Planner™ (CFP®) designation in two countries, I have leant on Damon for advice on debt settlement. This is a topic that is not covered in the CFP® coursework and it has been a pleasure to learn about this subject from an independent and objective professional consultant like Damon.

Tim

Provided Clear And Understandable Answers

I really enjoyed speaking with you today. I have spoken with several other companies regarding debt solutions. Unfortunately, they all gave a canned sales pitch that proved to be worthless and potentially dangerous to those who might follow their advice. I found our conversation however to be both enjoyable and informative.

You really know your subject and provided clear and understandable answers to my questions. I have been a lawyer for over 20 years and I will send anyone I know looking for debt solutions to you without hesitation. Thanks for the information and best of luck.

Richard

Our Conversation Gave Us Peace

I cannot tell you how much more at peace I am after our conversation last night. I think Lance is too. We are not happy with any of this situation, but we are praying that maybe we can see the light at the end of tunnel.

Lori

Your Sincerity And Honesty Was What We Needed

Hi Damon, I just wanted to thank you for all your help. Not only did you provide us with simple, logical steps to follow but you gave us hope. You made us feel as though our situation wasn’t so bad that we couldn’t get out of it. Your sincerity and honesty was what we desperately needed, especially after being led down the wrong road before.

Bobby

I Seriously Owe It To You

It feels amazing to be in this place in my life and I seriously owe it to you. I'll never forget how much you threw me off when you first told me to stop paying my bills. And that was when the first realization hit that I was in too deep.

I now look back and say that this was totally the best decision in my situation. There was another girl at the hearing who had filed, who had been using a debt management agency and it made me so glad I never went that route just to end up filing anyway.

Thanks again Damon! Take care.

Stacy

I Could Not Ask For A Better Advisor

It has been a pleasure and a great support to have Damon’s counsel.  In only one session he gave me the strategy and the confidence to know how to take a dramatically less expensive strategy to eliminate my debt.  His time is gold, in that it brings immediately greater peace of mind and greater hope for the future, and then it converts into, literally, thousands of dollars of savings and relief much sooner.

Several months later, I knew that talking with him again about how to handle a second phase was going to save me thousands once more.  It even enabled me to leverage some of the funds I would have stupidly given to the creditors into investments in my business and my wife’s that are already helping reestablish my income and a buffer, that is a God send for being happier.

Damon is smart and generous, and was 100% focused on helping me.  He’ll even guide you as to how to prepare for and make the best use of his time.  I literally could not ask for a better advisor.   Literally, Step One is getting his advice!

Carl

Compassionate, Respectful, Friendly, and Solution-Focused

I recently contacted Damon Day for financial advice, and he, in a word, was fantastic!  In a few more words, he was compassionate, respectful, friendly, and solution-focused.

I currently have a well-paying job, but lots of debt.  At my current salary level, I can handle my debt, but if my salary drops, I'll quickly be in trouble. Unfortunately, I am dealing with a "bully" boss and a very toxic work situation, which I've decided to leave for my mental health.

Damon took a look at my financial situation with me (he has you fill out a spreadsheet for your specifics).  As grim as it is, I never felt criticized or judged. Damon just focused on the problem and gave me lots of options, from bankruptcy to debt settlement, to hardship repayment, etc., if I have to take a drop in salary to leave my current situation.  This is not cookie-cutter, one-size-fits-all advice.  He is not selling a product or trying to steer me in a direction that benefits him.  He is offering customized advice to my particular situation, and this is worth FAR more than his hourly fee.

If you are facing financial hardship, do yourself a favor and contact Damon NOW.  Don't wait.  You owe it to yourself to talk to someone who will walk with you to find the best solution for your situation. Damon knows how it feels because he has been there, and he knows how to help you get out, because he has done it.  The peace of mind I have gained from knowing I have expert advice in a very tough situation is priceless.  Thank you, Damon!

Sherry

Only Consult To Present All Options

How refreshing!  Here is a guy that really has your best interests as his only motivation.  After looking at our 100K in credit card debt and the devastating way it was affecting our lives we had researched and talked to "experts" in the field of finance and only one presented ALL the options with all the possible consequences and benefits of those options.  DAMON DAY!

Thanks to Mr Day we have charted a course, developed a plan and are confident we will be on the road to recovery in no time.   Thank you for your time, your expertise, your patience and your help.  We will be forever in your (pardon the term) DEBT.

Mike

Emotionally I Feel Much Calmer

Thanks Damon; all is well, next month I will finish my payments to Atty and begin the next phase of actually filing for bankruptcy.

Emotionally, I feel much calmer, having made this decision and seeing that it is not the end of the world.

You helped tremendously and I thank you for your service.  I wish you continued success!

Sheila

Damon Listened To My Complete Picture

I had a conference call with Damon and we went over my current situation with my creditors.  Damon listened to the complete picture and was able to help me with a strategy that was balanced and beneficial to my overall situation. Damon’s experience was very helpful and made a difference, especially when you need that extra cross check and validation along the way.

I appreciate the help and look forward to my future without debts.

Eric

Thanks For Your Advice

Hi Damon!

Thanks a lot for your advice! Really appreciate it. I will take your advice and continue focusing on my business! It is really doing well and it is nice to know I can still come and visit US as we are planning to come soon for our dance competition!

Mikko

We Won The $100,000 Lottery

Damon,

My recent request to you on Linked In reminded me that I ought to contact you and update you on how one of your clients has fared.

We spoke to you last January, and I have to tell you that you were the catalyst that got us headed on a new and better path.  Your analysis indicated the reality that “something had to go”—either the house or the debts or both.  We hired one of the best bankruptcy/foreclosure lawyers in Wisconsin and the results of our efforts are as follows:  we are letting the house go, into foreclosure, so we can shed ourselves of the mortgage plus exorbitant heating/electric bills, a place too big to care for, etc.  5 of our 10 unsecured debts have gone into a Ch 128 filing, 3 have been or will be settled, and two we are bringing current to stay in the good graces of USAA, a company I have been with for 26 years and who provide insurance protection second to none.

We are so much more happy now than a year ago—your consultation was the beginning of our willingness to soak up a little shame in order to improve the bottom line.  Next May (or so) when we move out, our bottom line will be as if we had won $100,000 in the lottery, due to shedding debt and getting out from under the house.

Thanks for the great and affordable service you provided to me and my family!  Feel free to use this as a testimonial on your site.

Thanks again and take care!

 

Wayne

One Heck of An Honest Guy

Thank you for your no-hype approach. Compared to others who are cold and script-based, Damon took time to understand my situation and recommended an appropriate solution. He is sympathetic, genuine and puts himself into your shoes. He is one heck of an honest guy which is hard to find nowadays among the plethora of false advertisers in this debt-ridden world! God bless you, Damon. Thank you
Maria

Trustworthy And Honest Man

Just wanted to let you know i am still debt free and have no credit cards. You really helped me out when i needed it. You are a very sincere, trustworthy, honest man. I am so glad i trusted you. Thank you again Damon. - Flanagan

Your Advice Was Solid

I appreciated the information tonight.  You seem really straightforward and knowledgeable. I think your advice was solid.
Jesse

Breath of Fresh Air

Dear Damon… I just wanted to thank you for the time you spent with me the other day on my credit card debt problems. I have talked to several companies about my situation and there is NO QUESTION that you are knowledgeable of these matters. I like the ethical approach you take in explaining the options. There are many unethical companies out there that wanted to "help" me. You are a breath of fresh air! Blessings,
Phil

No Sales Pitch

Before speaking to you, I literally thought that bankruptcy was the only way to go and you gave me other options to look at. You explained everything very clearly and were very patient with me. You weren’t trying to sell me anything. Like others that have said before me, I will definitely recommend you to any that need a debt solution.- Anh

Slept Peacefully Last Night

Just a quick thank you for all of your advice and help last night during our consultation. My husband and I both walked away feeling lighter. I slept peacefully last night. Like I said during our conversation…we believe that God caused our path to cross with yours. I am thankful that you were available and will continue to be there to help us.Michelle

Helped Us Avoid A Scam

Hi Damon - Thank You again for your financial advice. It is so scary trying to figure out who are the lambs vs. wolves in this world of debt management. I will keep your name handy if I hear of others in need. We are very thankful that you helped us from being scammed! Take care and blessings to you & your family. – Katherine

His Service is Invaluable

The one time fee to get Damon’s advice was worth its weight in gold!!! His services and insight were invaluable to us! Thanks again! – Anne

Thank You From Diane

We both feel optimistic since we spoke.  You did not make us feel ashamed.  Keep doing what you do to help people.  Because of you, we slept much better. Thank you.  thank you. thank you.

Thank You For Your Assistance

We thank you for your assistance and great guidance.  It did explain our options and suggested best course of action.  There seems to be light at the end of the tunnel.  We are looking forward to getting out of debt and  starting fresh again. - Ron and Rita

Appreciated That My Questions Were Answered

Damon, I was looking forward to speaking with you today after having seen your video. The video made so much sense. I have talked to about 15 settlement companies so am quite familiar with all the various pitches. Most of the companies I talked to wanted the entire fee upfront. I narrowed my search to a company that offered “pay as you go “ as you recommend. I’m glad I talked to you last.

Of the companies that will agree to be paid on performance some are as high as 21% if you settle your debts for 30% on the dollar. Yours is a novel approach and one that I very much like. I appreciated that you were willing to spend the time with me to answer any questions I had. I also like the fact that I am in control of my funds, although I know the importance of a disciplined saving program or this process will not work. Even though I have not yet started with the firm you recommended yet, I feel comfortable that I am making a decision to work with someone who will be a partner to me in this process. Thanks again for your time and I look forward to working with you and your staff. 

Dan

Damon Was Knowledgeable And Honest

Dear Damon, I want to thank you again for taking the time and meeting with me over the phone to discuss my financial situation. It is refreshing to find an organization nowadays that is not out there to take advantage of people. You were very knowledgeable and honest about the possible solutions available to me and I appreciate you making me feel at ease by giving me hope and suggestions that there is a solution to my situation even though your services may not be one of them for the time being. I sincerely thank you and your efforts to help the citizens of our country during this financially difficult times.

Noel

I Feel A Great Sense Of Relief

I really appreciate your time on the phone with me today. I was fully prepared to file bankruptcy, even though I didn’t feel good about the prospect of having to make a size-able payment every month for the next five years to the Chapter 13 Trustee. Thanks to the information you provided through your video and your phone call, I feel a great sense of relief about my situation and can actually see that there is a way out of it.

I didn’t feel the least bit pressured to work with you or make any rash decisions about how to proceed; on the contrary, you went out of your way to emphasize that I need to take my time and thoroughly weigh my options. Thanks for so much generously sharing your expertise. 

Holly

Damon Instilled Hope And Treated Me With Respect

My consultation with Damon Day was extremely helpful. I particularly appreciate the amount of time he took with me to fully understand my personal situation, to explain every aspect of his company and this process, and to answer each and every question that I had. He informed me of all of my potential options, not just what would bring him my business. At a time when I feel so overwhelmed, stressed, and embarrassed, he instilled hope and treated me with respect. I thank you very, very much for your help.

Tracy

Damon Was A Real Human Being

Finally being able to talk with a real human being about our financial mess has helped tremendously. Your frank and honest answers are exactly what we have been looking for, needed to hear and had been unable to find. Digging ourselves out of this muck and mire won’t be an easy path however understanding the process and learning how to prevent future mistakes is worth its weight in gold. Thank you Damon, for the truth and the education to make it possible!

Susan

No Sales Pitch and No B.S.

My consultation with Damon was so different from the “consultations” I had with debt settlement companies. Damon stressed the importance of education with his clients, and also made certain that I understood that the program should be custom-tailored to fit my needs and goals. As he put it, there shouldn’t be a “one size fits all” approach when it comes to debt settlement, because everyone’s situations are different. I couldn’t agree more.

There was no sales pitch and no b.s. during our conversation. Damon was straightforward and honest which I really appreciated. I encourage anyone who is thinking of debt settlement as a solution to their debt problems to schedule a consultation with Damon. You will be glad you did!

Karen

I Was Fortunate To Be Directed To Mr. Day

I am a computer programmer, and like many others fully utilize the Internet and search engines available to us. After endless days of Google searches, Consumer report reviews I was confident that I had found the “right” Debt Settlement Company to help me out of this stressful situation I had put myself into. After signing a contract with this company, I began to feel uncomfortable.

For starters a third party not only managing my money, but charging additional fee’s to make automatic withdrawals from my local bank account every month. The amount of money being withdrawn from the Settlement Company from the third party in the beginning of my plan, leaving not much money, even if a settlement where to come along. The final straw was when my so called debt counselor contacted me for a telephone interview and told me we only had 15 minutes as she was handling over 400 cases!!!!

How could she possibly understand my needs and be available later if I needed her??? Her answer was if I called and she was not available, I could just speak to another counselor. End of story.

I knew my time was short to cancel with this company. Before the first payment was withdrawn, I was fortunate enough to be directed to Mr. Day. After viewing his video & speaking with him I was shocked that first off I most likely could pay off this debt in half the time the other company was promoting, and secondly for about half the cost! I honestly am more comfortable now than I have been in some time and as well confident that his strategy is right for me!

I only can hope that others in similar situations do their homework, prior to signing on with one off the many settlement companies out there. It would be very easy, to put yourself in a deeper financial hole and possibly have to file for Bankruptcy if you make the wrong decision.

Finally, thank you for accepting me into your program, and giving me piece of mind that I am working with a team of professionals truly interested in helping me achieve a debt free life! 

Steve

Damon Exemplifies A True Consultant

I have been in consulting and sales for 7 years and have had the awful experience of watching sales reps use pressuring sales tactics to push customers into purchasing their product. My experience with Mr. Day was very different. Damon Day exemplifies a true consultant. He not only allowed me to vent my frustration with my current situation, he gave me sage and sobering advice that helped me realize that life will continue!

I felt much more prepared after our consultation to develop a strategy to end the maddening situation I am in today. He is well-educated in his industry, well-versed with the legal aspects of his job, and understands your rights as a consumer. He has the experience necessary to be a trusted advisor to help you through your financial struggles, whatever they may be.

My personal experience with Damon suggests that you will have an informative, consultative experience that will give you a much better perspective on how to truly get you one step closer to freedom.

Colter

I Feel Much Better Using Your Approach

After I’d signed with another debt settlement company, I started to get cold feet. Our conversation yesterday helped me realize that I’d made a mistake. Your service will be roughly half as expensive as theirs, and I am very happy with your contingency fee arrangement – I was worried that the other company would end up taking my money without providing me with substantial help.

It also makes good sense to me that I should be communicating with the credit card companies; I felt uneasy about the other company’s policy of prohibiting debtors from communicating with the creditors directly. I canceled my agreement with the other company today, and I am eager to get going with your service. I’ve been a lawyer for 26 years, and I never thought that I’d end up in such an enormous financial mess. I feel much better about the situation using your approach.

Mike

Impressed With Your Competency And Integrity

Damon:

Thanks very much for all of your good advice so far.

As we discussed, it is very hard to find someone, especially in the credit counseling business, who is both smart and honest.   I had a feeling about some of the characters I talked with, and you confirmed for me the angle they play, which are not often in the clients they hook.

After our initial discussion, and subsequent e-mails, I am impressed with your competency and your integrity.  I guess it takes shared experiences to know when talking to a straight shooter!

Also, and at least as important, the people you recommended seem just as solid.  My Mother taught me that actions speak louder than words, but at this point, I am glad to offer my support and recommendation.

As I move through and past this credit situation, I will also be passing your name along to others.

When you find a keeper, you stick with them, and make sure friends know too!

Best wishes and thanks,

Ken

You Were Extremely Pleasant To Speak With

Hi Mr. Day,

I am so thankful that I listened to my husband and contacted you prior to going with a debt resolution company who was misleading me. We have a lot of credit card debt that we have not been able to pay down from month to month.

After speaking to you, I am appalled at what some companies are able to do to people, who are really in need of some financial relief. I was contemplating going with a company who would have taken my money and had promised me something they could not have accomplished.

You were extremely pleasant to speak with and offered an exceptional honest opinion of some exact conversations I had had with other debt relief companies. You spoke with me well over the hour allotted and I came away feeling like I had a far better understanding of what we needed to do, not only to pay off our debt but be able to finally save for our retirement.

You were able to refer me to a debt settlement company that I feel I can trust to work for me not for themselves. Thank you so much for your time and I look forward to keeping in touch with our progress.

Donna

Give Damon A Call

If you have debt problems and want to get back on track financially, the best thing you can do is give Damon a call. Otherwise, you're just crossing your fingers and hoping for the best.  And, there are plenty of salespeople standing by to take your money - oops, I mean, your call - if you don't want to first speak with someone who is 100% unbiased.

Damon will examine your unique situation and, leveraging his understanding of the credit industry and debt relief solutions, help you to evaluate all of the options and find the best one for you.

Patrick

Honest and Informative

Tackling financial woes is not an easy task to take on.  It can be a humbling and very confusing undertaking.  With all the misleading information out there, it was great to talk to someone that was honest and informative.  Damon was able to give me ideas for tackling my financial mess not only immediately, but also over the next few months.  For the first time in a long time I felt at ease!

Laura

Damon - You Are Awesome

We're paying some taxes this year because of the settlements but well worth it!!! You made a huge difference and were the biggest factor in getting us on the road to financial well being- we're so much better off than we were 18 months ago.

Thanks again- you saved us a ton of grief as well as the money.

Timothy

Honest Practical Advice

I think, like most people who have financial troubles, whenever you have to talk to someone about your situation you worry that you will be judged for your situation or how you got into it.

Damon not only listened with an open mind, never once making us feel silly or ashamed for where we are at, but then gave us honest, practical advice on how to improve our situation right now.

We left with an action plan that feels doable and for once, we can actually see light at the end of the tunnel. I would recommend Damon's services for anyone needing financial advice. He is a thought leader in the financial space and will take the time to understand your individual situation and offer up a plan that truly fits your needs.

Dana

I Never Felt Criticized Or Judged

I recently contacted Damon Day for financial advice, and he, in a word, was fantastic!  In a few more words, he was compassionate, respectful, friendly, and solution-focused.

I currently have a well-paying job, but lots of debt.  At my current salary level, I can handle my debt, but if my salary drops, I'll quickly be in trouble.  Unfortunately, I am dealing with a "bully" boss and a very toxic work situation, which I've decided to leave for my mental health.

Damon took a look at my financial situation with me (he has you fill out a spreadsheet for your specifics).  As grim as it is, I never felt criticized or judged.  Damon just focused on the problem and gave me lots of options, from bankruptcy to debt settlement, to hardship repayment, etc., if I have to take a drop in salary to leave my current situation.  This is not cookie-cutter, one-size-fits-all advice.  He is not selling a product or trying to steer me in a direction that benefits him.  He is offering customized advice to my particular situation, and this is worth FAR more than the fee that he charges.

If you are facing financial hardship, do yourself a favor and contact Damon NOW.  Don't wait.  You owe it to yourself to talk to someone who will walk with you to find the best solution for your situation. Damon knows how it feels because he has been there, and he knows how to help you get out, because he has done it. The peace of mind I have gained from knowing I have expert advice in a very tough situation is priceless. Thank you, Damon!

Kathy

Only Advisor That Didn't Have An Agenda

There is a lot of stress that comes with not being able to pay your bills, and looking for the right solution for your situation adds to that stress exponentially.  Searching for the best way to handle your personal problem is difficult.

If you go to an attorney, they will discuss the different types of bankruptcy.  If you go to a credit counselor, they will discuss consolidation or payment plans or debt settlement programs (which leads to a whole other rat’s nest of decisions - and which company to trust).

Damon is the only advisor that I’ve come across that has no agenda. He’s educated AND experienced, and will look at where you actually are, what your real problems are, and help you decide on a course of action to help manage your current and long-term problems.

If you are experiencing problems right now, this is where you need to be so that you can have information NOW before you take the wrong actions and potentially make your problems much worse. Thank you, Damon!

 
Jo

Damon Is The Real Deal

You are the real deal, Damon. You saved me a lot of time and money, and steered me in the right direction. Best wishes.
Bob

Thank You For The Insight And Guidance

Hi Damon,

Late last year I had a telephone consultation with you to help decide if filing Chapter 7 bankruptcy might be the best decision to resolve the financial issues plaguing me at the time. After that conversation, I went ahead and took that step. As of today (April 13, 2013) I can categorically state it was one of the better decisions I've made. I anticipate the debt will be completely discharged as of the end of this month.

I want to thank you again for the insight and guidance you provided last year in helping me see that filing Chapter 7 would be in my financial (and emotional) best interest. While it was not one of my prouder life experiences, it has cleared the way to move forward without the irksome burden of debt hanging over me, and for that I am most grateful.

Steve

Damon Provided Me With Such A Sense Of Peace

I think Damon Day's motto of "an honest and ethical approach to debt freedom" explains exactly how I feel about the consultation I received.  I feel like I got an honest, fresh perspective, that the price for the consultation was more than fair and like he really cared about helping me figure out how to effectively deal with my financial dilemma and meet my goals.

Not only was his approach and advise honest and ethical, unlike the many other debt sales associates I talked to, but I also never felt judged, rushed during our conversation or pressured to take his advice.  Damon provided me with such a sense of peace about the difficult decisions I was facing and I'm so glad that I followed his advice because my family is finally starting to feel some financial relief!

Tanesha

You Saved Me At Least $3000 In Fees

Damon, After researching many settlement companies for about five months, I narrowed my choice down to the three that I found to be most trustworthy and were best qualified to work with me. After my consultation with you (one hour) there was no doubt which settlement company I wanted to work with.

First, you took the time to explain to me the entire process that included both the pros and cons of debt settlement. Other companies spent little time with me and skimmed over the negative issues. Second, you took the time to answer all of my questions and didn’t have a judgmental attitude about my credit problems.

Third, and probably most important, I will end up paying a service fee that will be about 50% less than the other companies I talked to. Others charge 15% based on the current total debt to be settled where the company that you recommend to me is performance based and only charges 15% on what they end up saving me in my total payoffs.

With my current $80,000 debt, that will save me about $3000. That’s huge considering I am already in deep financial trouble. Last, I want to emphasize that I have a real feeling and confidence that I won’t be going through this painful process alone – that you and your staff will be there to educate me and guide me through this difficult process. Thank you.

Tim

Solid Financial Advice That Made Sense

About a year ago I quit my day job to start a new business venture, but with the slow economy I quickly found myself owing more than 85K on credit cards. Not knowing what to do I contacted a debt settlement company that sent me a letter in the mail. The salesman that I spoke with seemed to be saying all the right things. It sounded really simple. I could send them a lower payment every month and in four years I would be out of debt. But fortunately for me, something in my gut was telling me this just wasn’t right.

So before filling out the paperwork I met with my financial consultant who advised me to schedule a consultation with Mr. Day before making any decisions. In less than 45 minutes on the phone, Damon taught me more about debt settlement and Bankruptcy than anyone had taught me before. He really took the time to understand my specific situation and then explain how the different options would actually effect me and my finances.

What really surprised me however was that he recommended that I don’t take any action now but wait a few months to see how things progressed with my job search. He explained that since I currently didn’t have the cash flow to successfully settle all of my debts, I would be better off waiting a few months to see if my income increased. If not, then I may have no other choice but to file for bankruptcy.

I really appreciated Mr. Day’s no non-sense approach and telling me step by step what I needed to do if I wanted to avoid bankruptcy. It was very refreshing to get solid financial advice that actually made sense for my situation rather than just a sales pitch about why I needed to sign up into some program.

If you are dealing with debt, and you would like someone to sit down with you, review your specific situation and provide you with honest, unbiased financial advice as opposed to a sales pitch, then I would highly recommend that you schedule a consultation with Damon.

Erin

Damon,
Our conversation was very pleasant and reassuring that there is light at the end of the tunnel. I have inquired into other sources of debt solutions and found yours to be my best option. It is a shorter term solution than the others I have talked to.

I am 58 and have never had any problem with paying my bills until I lost my job. I have read several books on finances and have found having credit can hurt you or help you. I would suggest everyone get educated on finances and if they need a solution to a financial problem to check your web site out. It feels like someone really cares. Thank you for caring Damon. - Mike

Damon,
Last week I had a chance to speak to you about my personal financial situation. I did have the opportunity to speak to 2 other companies before I spoke with you and also did some research online. The talk with you for 60 minutes was an eye opener.

You made sure I understood every aspect of the process and were very patient in handling all my questions however insignificant or small. I really do appreciate your help and education you provided me.

Just to let you know I have asked the same type of questions in different ways to all companies I talked too. All of them gave me a different answer each time for the same question formulated in a different way. Your answers were always consistent and after research I found that many pundits in the market said the same thing you said.
As your signature says

An Honest and Ethical Approach to Debt Freedom!
I CONCUR!!!!
Thank you once again and God bless – Mr. A

Damon,

Please pass this letter along to anyone that is considering setting up a consultation with you. I want everyone to know what the company you referred me to has been able to help me accomplish in just 6 short months.

12 months ago in January of 2008 I realized that I had a problem. My income took a dramatic turn down and I was looking at 127,000 dollars in credit card debt with no feasible way to pay it. I hated the prospect of having to go bankrupt so I set out to find a solution.

You name it I researched it. I looked at everything from consumer credit counseling, debt settlement even bankruptcy. Nothing I found made sense for me. I couldn’t qualify for the monthly payment with consumer credit counseling. I refused to file bankruptcy and every single debt settlement company I spoke with was much more interested in charging me 20,000 to 30,000 dollars in fees than they were in actually creating a plan to help me.

After about 6 months of searching I was lucky enough to find your website. The company that you referred me to was completely different than any other that I had researched. I can’t begin to tell you how much of my life they have given back to me. They prepared a plan that allowed me to start settling my debts very quickly.

It is now Jan 2009, just six months after I found you and requested your help. To date we have settled 115,000 of the original 127,000. I only have two cards left to go and those will be completed in the next few months. We settled the 115,000 for about 40,000 dollars.

In a few months I will be completely out of debt and will have settled everything for about 45,000 dollars. I have saved over 80,000 dollars in less than a year. I am so glad I listened to my gut instead of the sales pitches of all of those debt settlement company rip-offs. Had I gone with them, I would have never been able to settle my debt this quickly. In fact I would have just recently finished paying all of their fees. It is criminal what those companies do to people that are desperate for good advice.

If I could tell people one thing, I would say, if you think debt settlement is a good option, make sure you talk to Damon before making any decisions. In six months I never found anyone that would even come close to providing me with what you shared with me in less than an hour on the phone.

There is nothing like this feeling of being debt free. Free from the stress, the worry, the anxiety. Damon, you have given me this freedom, you have given me the ability to enjoy my life again. Thank you again, so much for all that you have done for me. - Gabe

Damon,
I can’t thank you enough for not giving up on me. I still cannot believe the settlement that was arranged for me. It took five months for me to convince myself that settling my debt with my creditors was actually possible.

Boy am I glad I took your advice. When I received the letter that they would accept a settlement for 15 cents on the dollar I couldn’t believe it. Before I contacted you my wife was convinced that I would go to jail if I couldn’t keep up on the payments. Saving us 40,000 dollars sure made a believer out of her. I can’t thank you enough for the help and education that you have given me. Phillip

Damon,

I have been speaking with over a dozen debt settlement companies for over 5 months, nearly signed contracts with 4 of them, but was stopped each time because their contracts were significantly different from the verbal conversations we had shared. There were many inconsistencies, and several statements taken back when I confronted them. I had grown weary and decided to just file for bankruptcy.

However, morally I couldn’t justify not doing all I was capable of in regarding to paying back my debts. I knew there must be a way to agree on a settlement with my creditors – which morally felt right to me, in light of our hardships.

But, how to find a third party settlement agent I could trust? I searched under reputable consumer education groups and felt fortunate to have been guided to you.

You took the time to educate me, and respond to my unique situation intelligently and competently. This alone was a breath of fresh air! Finally, here was what I was looking for, and the full service agent I could trust as my partner in debt settlement.

I had finally found the team I could work with – AND at significant savings and flexibility! Further, my money is my own, and not hanging out dangerously in someone else’s account. When you add up all that Mr. Day is offering – his package of combined education, expertise, longevity, reputation and common sense in how he has chosen to deliver his service – it’s a sorely needed breath of fresh air, amidst all the consumer debt settlement industry hot air! - Mr. and Mrs. K

Damon,
I am so happy I clicked on your video. Everyone in this situation needs to hear what you have to say. You are very personable and passionate about what you do. I definitely feel more at ease about all of this and prepared to take the next steps and move on. Again thanks for your time and knowledge. - Shawna

The marketing piece introducing Damon’s video sounded too good to be true. He spoke about frequent misrepresentations and partial truths – characteristics of typical ‘sales types‘ working for businesses that over promise and under deliver. Damon’s website advertisement appealed to me as an authentic and honest financial advisor whose philosophy of putting the client first, and not doing anything that would not be in the best interest of the client, propelled me to call his office to learn more about his service.

As I disclosed my financial situation, Damon was not judgmental; he listened carefully, asked questions, and quickly grasped the picture. Damon’s concern about people was evident during his consultation with me. He generated a number of potential options and outlined a preliminary way forward. When the session ended, I felt more hopeful about a solution and felt that Damon saw me as a PERSON who needed his expertise rather than another OPPORTUNITY to make a quick dollar. Damon can be trusted to identify the realities, the truths and the potential downside of choices or options you make. I look forward to benefiting from his expertise and guidance! - Rosie

Dear Damon… I just wanted to thank you for the time you spent with me the other day on my credit card debt problems. I have talked to several companies about my situation and there is NO QUESTION that you are knowledgeable of these matters. I like the ethical approach you take in explaining the options. There are many unethical companies out there that wanted to ‘help’ me. You are a breath of fresh air! Blessings, - Phil

We had already signed up with a debt settlement company, when my husband and I decided to research more deeply into our options on handling our large accumulation of credit card debt. That’s when I came across Damon Day & Associates’ website. My husband and I listened to his video, and my husband asked me to speak with Damon.

His no bs, no nonsense approach was a welcome change from the sales pitches that we had previously heard. His approach made sense logically as well as financially; and, after my consultation with Damon, my husband and I decided to cancel our debt settlement program because had we continued in the current program we were in, would have brought on greater financial hardship for us. - Dawn

Damon,

Thank you for taking time today to discuss my financial situation and options. I had talked to a few other debt settlement companies about their program and what they have to offer, and to be honest, they made their programs sound very easy and enticing, however,after talking to you, I understand a lot more about all of my options and how debt settlement works. You took the time to answer all of my questions. It sure is nice to know that there are still people out there that want to help others. After being overwhelmed by debt, my wife and I can finally see light at the end of the tunnel. Thank you very much and would definitely recommend you to others.- Kory

Before speaking with Damon I was getting conflicting information and people pushing the immediate sign up. While speaking to Damon I got someone who both grasped the situation I was in and was looking out for my long term good. There was no pushing just clear information and a loving hand to help me through an emotionally and financially challenging process.
Thank you Damon You won me and my business
. – Gurutej

Before speaking to you, I literally thought that bankruptcy was the only way to go and you gave me options other than that so thank you. You explained everything very clearly and was very patient with me. You weren’t trying to sell me anything. Like others that have said before me, I will definitely recommend you to any that need a debt solution. ^____^” - Anh

I have spoken with several debt settlement, debt management, and debt consulting firms, (in addition to 2 BK lawyers). i did my own research and due diligence on each of these firms. they all have a “plan”, they all talk the talk, and they all want fees up front, want my money up front in an escrow account, and cannot approach creditors until sufficient funds are in the account. well, with 10%-15% fees up front, that would take a while for my settlement funds to be adequate.


Damon listened to my situation, seemingly understood it, and directed me to a different sort of debt settlement company. I am a cynic, I am a skeptic, but finally I am optimistic. we shall see. Most importantly, Damon understands, his knowledge is strong, his advice sound, his ability to communicate is terrific, and his response time has been fast, which is reassuring.


I do not feel I was being sold anything, I do not feel there was any hype from Damon. He stayed on point with the particulars of my situation and then advised. For that I am appreciative. I have never been through anything like my present situation, Damon heard this, and understood. My fingers are crossed that the direction in which he is taking me will work. Thank you, Damon.
- Jim

Damon Day seemed genuinely interested in my plight. He evaluated my situation from all angles, including the fact that retirement is not too far away for me. I had signed up with a different company originally, and I thought it was revealing that he did not bad mouth their program, but pointed out some alternate ways that debt settlement should be handled. He took a more refreshing approach than by just reminding me that my payment was due on a certain date. I am in over my head, but now may be looking at the light at the end of the tunnel, as a result of his suggested approach. Thank you Damon! - Stan

Thank you for your sound advice. You’ve made me think things through before making a financial decision that could get me deeper into debt. Your realistic approach to credit card settlement will help many people in my position. It won’t be easy but at least I now know what has to be done. Thanks again Damon. John

Hi Damon,

We are very grateful to have connected with you during our stressful situation. After talking with you we had a much clearer picture of our options and this is what we needed the most. We never could have imagined being placed in such a stressful position at this point in our lives and it’s quite devastating. We are appreciative of the time you took with us to understand our particular situation. And we are grateful for your honest and sincere guidance. For anyone facing financial distress we highly recommend they contact you first before making any decisions or taking any action so they can fully understand their situation and potential options. Thank you Damon! Donna

Hello Damon,

Thank you very much for sharing your thoughts and highlighting the pros and cons of different alternatives I could be pursuing given the situation i am in. You gathered enough information from me to give me the exact options that may be viable in my case. There were no unnecessary selling of any idea or option, the very fair and candid conversation was most helpful for me.

Your approach is exactly what you are claiming to be doing no more – no less You answer the questions from a knowledge base and help your listener, me in my case, make an appropriate decision without being forced in any way. This is in 100% contrast with anybody I talked to over the phone and on the web on this matter of credit card dept that I found myself while dealing w unexpected expenses when I have a fixed income.

Thank you again very much for your genuine interest to help the one who comes to you for guidance. That is exactly what you gave me. – Best regards – Eser

I just wanted to thank you again for your advice. It was spot on. We spoke last month about my financial situation (May 10). Debt settlement, debt negotiation, credit counseling, etc. make no sense for my situation. I’ve retained a bankruptcy attorney and am in the process of filing chapter 7 bankruptcy. Hopefully in a few months I’ll be out from under this mess. If you ever find yourself in ******, Colorado come up to the ***********, I’ll buy you lunch or dinner (I’m the chef up there). Thanks again. John

Damon,
Thank you once again for taking the time to talk with me. I really do appreciate it. I so appreciate your honesty and that you seem to really care about your clients financial situation. I feel that you really care to see each one of us achieve a “debt free” lifestyle.Thanks once again for your caring ways. Jennifer

Damon,
It was great to talk to someone who had my best interest at heart. Being in a financial bind is so difficult and feeling that you are there alone makes it doubly so. I appreciate your listening to my situation without pressuring me into buying anything or making a decision right now as to how I am going to resolve my problem. I feel that if more people had someone like you in their corner they would be more apt to come to a resolution that will fit their needs.
Thank you for your advice and your obvious concern for others. Individuals like you are what this country needs to keep us together as a nation.
Regards, Pam

The onetime fee to get Damon’s advice was worth its weight in gold!!! His services and insight were invaluable to us! Thanks again! – Anne

Damon hi there. This is Flanagan. Just wanted to let you know i am still debt free and have no credit cards. You really helped me out when i needed it. You are a very sincere, trustworthy, honest man. I am so glad i trusted you. Thank you again Damon.

Hi Damon - I just wanted to say Thank You again for your financial advice and your referral. Like I said before, it is great that you are out there helping people like us who need this guidance. It is so scary trying to figure out who are the lambs vs. wolves in this world of debt management. I will keep your name & web site handy in case I hear of someone else who needs help. I just wanted you to know how thankful we are that you helped us from being scammed! Take care and blessings to you & your family. – Katherine

Damon,
Just a quick thank you for all of your advice and help last night during our consultation. My husband and I both walked away feeling lighter. I feel like I haven’t had a good nights sleep in more than a week. Feeling like we have a plan, or getting closer to having a plan helped so much. I slept peacefully last night. Like I said during our conversation…we believe that God caused our path to cross with yours. I am thankful that you were available and will continue to be there to help us. – Michelle

Hello Damon and Ann,

I am doing much better.  After almost 2 years without a closing, I had the first one in March.  I am still working part time at the department store.  I did file bankruptcy and went to court last summer.  It was such a relief, after so much thought and anxiety.  Damon’s words were ringing in my ears with advice and help from family and friends.   I felt it was confirmation to go ahead, get it over, move on and not be ashamed.  I appreciate Damon’s and your kindness, and I have not forgotten.  Talk to you soon!Berniece 

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