Debtors, challenge yourself today and overcome…

There are thousands of you still lurking in the shadows, fighting your debt-crisis silently, hoping for a miracle, because I know you have tried all ways with no positive outcome, but today is where I redirect your focus, on how you arrived at this crisis and how to transform your life. The steps I am sharing will form the sound foundation you need to emotionally prepare yourself, to face your debt-crisis. There is absolutely no way when you are engulfed in emotional fear, with zero clarity or focus, including being insecure and unstable, that you can make informed decisions to act.

This advice is not ‘a pie in the sky’, or a ‘delusion of grandeur’, but the true facts, which are, creation of realities, i.e. you are responsible for your situation, because simply, you created it!

a. “How did I get into this situation so fast, without even noticing?

b. How did my business just spiral, why was I not focusing and wasting time and not noticing that I had not set an intention to achieve anything, I was just spending money unconsciously, probably assuming there was a ‘bottomless pit’?

c. Why did I not see any ‘red flags’?

d. Why can I not account for most of this expenditure in detail?

Because, when money flows, we lose our mind, we never stop to ‘maintain records, or even think about a rainy day and as fast as that money flows into your life, if you don’t respect it, you will lose it and it doesn’t matter if it’s thousands, hundreds of thousands or millions.

I know this, because it happened to me, except, I was spending my own millions, not someone else’s, but I also never focused on the fact that my money flow was not a bottomless pit, I was too concerned to meet the needs of Tom, Dick and Harry, until my flow was depleted, where the shock was, they were all nowhere to be found once my pit was dry!

We are human, we make mistakes, so beating yourselves up about it, will ensure you continue to regress, the doors will continue to remain close, nothing will move and the tunnel will seem long and dark with no hope, because that is what you are creating, just like you created your debt, or lost your money – Blame yourself, take responsibility and once you have clarity, set your intention and take the much needed action to save yourself and your life.

Many will say talking is easy, yes, it is, but put action into your words and thoughts and keep them positive, because you need to do nothing else but change your thoughts to change your world. Nothing remains dark forever, so unless you make that move to step out and take action, nothing will change, you will simply revolve around in circles, with no progress, worsening your situation.

When you don’t have a plan, you are lost, because then it means you have no direction, therefore no forthcoming solution and it’s a sad day when just around the corner, you could have saved yourself.

When you are down and out, learn to saturate yourself with books pertaining to achieving wealth, abundance, prosperity and new success in your life, forget about beating the old drums of how you got to your debt-crisis, because it’s gone, you must learn to move forward and put the old behind you.

I never stop emerging myself in improving my own knowledge and experience and just this weekend I picked up my favourite “Think And Grow Rich” by Napoleon Hill and it’s a book you should keep pushing yourself daily, because if you master the teachings in that book, you will master achieving tremendous wealth and transforming your life. So instead of prancing to the mall and spending money you don’t have on goods you don’t need, invest in this book, because it is a lifetime investment.

Let me share some significant points with you. There are six ways to turn desire into Gold, so follow those steps daily, no matter how depressed, suppressed and repressed you feel. Some powerful affirmations he shares in this book, that should resonate with those of you who live with huge hope, who know that you can transform your life, but maybe you don’t know how, so here they are:

“Every person who wins in any undertaking, must be willing to burn he’s ships and cut all sources of retreat…”

“You may as well know, right here, that you can never have riches in great quantities, unless you can work yourself into white heat of desire for money, and actually believe you will possess it…”

“When you begin to think and grow rich, you will observe that riches begin with a state of mind, with definiteness of purpose, with little or no hard work…”

“Before success comes in any man’s life, he is sure to meet with much temporary defeat…”

“I will never stop, because men say no…”

So, really, things are thoughts and powerful things at that, when they are mixed with a definiteness of purpose, persistence and a burning desire for their translation into riches. Which means that it doesn’t matter where you are right now with your debt-crisis, you can change your situation by changing your thoughts and the help you need will flow to you. This is not a fallacy, it is how the universe revolves for us humans who can connect at that level and somehow many of you remain clouded. I speak to many daily, but they are bent on rattling off their old story and beating their old drums, when they don’t realize, if they just stopped for 5minutes and listened to themselves, and remembered how many people they rattled that same story to, how may people stopped taking their calls or responding to their pleas for help, because most people will listen to your story, but they can’t get involved as they have their own lives and responsibilities.

The job is yours and only yours and nobody can do it for you and I am here to convince you, that your problem is miniscule versus the power you can acquire to be happy and at peace again. Just listen to yourself when you want to start on a rampage or rattle on about your problems and tell yourself, ‘nobody is really listening or want to help, because they have their problems’, I need to find the right solution for myself and start your daily practices, google, read up about transformation and start your new journey, because it’s that simple…

 

Debtors, a lesson in debt, is a serious journey…

The lesson of debt is not dumping your debt on someone’s desk and transposing the entire responsibility onto their plate with your futile excuses, mostly pleading poverty, then later it is found you went on vacation, whilst someone else is trying to protect your life, believing your lies and incorrectly defending you with your creditors?

Who does this? How is possible that you are oblivious to the facts that:

a. It is unacceptable to dump your debt onto someone else’s desk and walk into the sunshine with no sense of responsibility;

b. It is also obnoxious to assume that the company or individual has no choice but to accept this attitude, because you signed an agreement on the dotted line and now you call the shots?

c. It’s also totally unacceptable for the company to protect you against your creditors during the process of remedial submission, whilst you plead poverty by convincing ways that you cannot afford to contribute towards your overdues, but then you are keeping the money for your vacation?

d. Where is your conscience? You cannot recover without one.

e. How come someone else who never spent the money you borrowed, must unintentionally lie to your creditors, because you are underhanded?

f. How come once the remedial tasks are completed, you now feel the need to dissect their service fees because you believe most is undeserved, even if the outcome is positive? Based on what level of mentality are you biting the hand the feeds you?

g. Initially when you are seated in front of a remedial officer, pleading, begging and crying for mercy and help with bad intentions, my advice is enroll yourself in Hollywood, as they are direly seeking actors like yourself.

h. Existing with no self-respect, integrity or respect for those whom you reach out to for help, who take the time and make the effort to tender this help, is a shameless act, where it is deserving for you to rather face your wrath, so you will be forced pay dues to learn respect.

i. When you openly devalue the value of any individual, company or creditor who takes your hand to save your life, then it comes around, in its own time, not yours and when you least expect it, but come around it will, as true as the sun rises and sets daily.

Authentic humanitarian gratitude and appreciation are the only forms of reciprocation that fosters progress, recovery and abundance we all dream of, without that, we are almost soulless and empty humans. Nothing replaces being thankful for someone for being there for you, respecting their efforts and unwavering support to help you. Acting without any remorse and ungratefulness is not the attitude to take, as it will negatively ricochet back into your life.

Many debtors who faced a debt-crisis and acted out this way, are clueless about how much they have compromised their own image and integrity, which affects the character you presented, where the country is huge but also small, because there is literally nowhere to hide.

This attitude can be compared to the mentality of such debtors who assume that when they were in dire debt, unable to pay their EMI’s, they just applied for another loan or credit card, which filled a hole, saved them for a month or more, but left another hole, which is why they faced a debt-crisis.

In the same way if you assume that right now you could cheat your way through asking for help, not paying for the service and the job is done? You are sadly mistaken, as dues you will pay and more than what is owing, because it’s the circle of life.

There has always been dishonest under-handed debtors, but it appears the trend has increased substantially, more so the very good actors, of specific nationalities, who have opted for this route and my message to you today is carry on, see how far it will get you, but one fine day, when you find yourself in a place where your hands are tied, no more under-handed activities, then don’t ask why, know why and think of the acts of dishonesty intentionally performed by you.

At the end, these acts of dishonesty affect the lives of other bread winners, who were either terminated from their jobs, because they reached out and took your hand to help you, or someone who never received their salary like you did, because you never paid your dues. So, when you negatively touch a life, a life touches you in the same way, there is no escape.

Like I said, it’s a circle, it will always be a circle, so any negative cog affects the circle somewhere along the line and it is a sad day that such debtors have no conscience, but we are hoping for less users and more honest sincerity, because the circle of evolution must continue, the bad apples always ever drop off along the way.

Debtors hovering in the background, procrastinating …

I’ve been speaking about this for years, trying to encourage debtors facing a debt-crisis, or those who know they will soon, to stop hovering in the background, faceless, because you are ashamed or embarrassed. The truth is every day that you procrastinate, is a day that you put the progress of your life on hold and you allow your debt problems to snowball, later into an uncontrollable situation.

You know you have a critical debt problem, you have known for some time now, but you’ve either wasted so much time to delay reaching out to your creditors or remedial companies that can fully support you, or you are simply existing in a delusional zone, pushing this story so far back out of your mind and reality, too busy draining energy from yourself. It takes energy to continue being pretentious, like there is nothing wrong, hard work to put up a good façade all day, only to crumble into a sad pile when you can lift that façade, be that when you get home at night, or spasms during the day, when you are alone.  Know that the people who matter in your life, your loved one’s they can feel the pressure, tension and negative emotions hence you are also affecting their life! So, as much as you assume they don’t know, or you are hiding it from them, they know something is horribly wrong, if they don’t know the actual situation.

Therefore, it is your duty to convene a family meeting and open to the real situation, because you will need this support and most times you will be surprised that the needed support will be given, you only had to ask. This lifts a huge burden off your head, so you can gain clarity, focus and take the first step to your debt recovery, without having additional fear that they will find out, or anyone will find out, you owe it to yourself, nobody else.

I am here to tell you that all is not lost, hope exists if you believe it, or you can come to terms with the fact that it is never too late to step forward and reach out for the hands that understand and is willing to help you activate a debt recovery plan, to ensure you are on the road to debt recovery.

It’s simple, put everything aside and think of yourself, your own well-being, existence, progress in life, the fact that you want to be in a place of recovery, start to feel better about yourself and be able to be proud of your achievements and live your authentic self.

It’s hard work to continue putting up a façade with others, like there is no problem, like all is fine when it’s not, because that zone has an expiry date and if you are fortunate enough to cut the cords before the situation worsens, then you’ve won your own day. This debt problem has an uncanny way of creeping into your entire life and saturating it, until there is no way to turn and you don’t want to be there, because it’s an unpleasant place to cope with and it can destroy you.

Very important is that it’s not going to be easy to get back on track, but there are no choices, once you take the first step then there are huge sacrifices to be made, perseverance, keeping your commitment to your creditors and reducing your personal expenses, scaling down all-round, no shopping for items you don’t need, no vacations (yes, I mean it!), no extra luxuries and this can continue for a good many years, but at the end, the journey would have been worth it!

Remember, you did not accumulate this debt in one or six months, so don’t expect instantaneous miracles of recovery, because it is a path where you are tested, you may crack many times, but you must learn to pick yourself up and push forward, nothing lost, nothing gained! It’s 100% times better than facing legal action, because then you have minimal options if you’ve left it too late.

It’s not easy to come out of the woodwork and admit to anyone that you are facing a debt-crisis, but the problem is, if you don’t act, the debt will do it for you and then the situation is worse, where you will have no choice and face harsher actions.

Don’t look back, keep looking forward, forget about the possibility of being blacklisted, you are not here to seek more credit, but a remedial solution to your debt-crisis problems, so more credit is never going to be an option, else, you will never recover. Debt is a serious addiction, because in the past credit was readily available where people never had any constraints, but it’s caught up with them in a serious way, because they were out of control.

The story of ‘what happened to the money?’ is a fruitless exercise, because nobody will admit that they have it stashed away somewhere else if this is their situation, the fact is, the problem is here, so it must be faced in the most honest way. Being dishonest has a bigger price tag attached to it somewhere in the distant future, when you least expect it and when you can least afford it, because that’s the lesson of life, dues must be paid and it’s not up to you, me or anyone else.

Hovering in the background with no clarity and loads of procrastination is an historic trait of debtors, because they never want to reveal themselves for the negative stigmas attached to debtors facing a debt-crisis. Those days are gone, we must evolve to survive, thrive and be the very best that we can be, where facing a debt-crisis is a hurdle that you can overcome, with enough determination, willpower and inner strength, call it faith, or your beliefs, but it’s what you will need on this journey.

My invitation to those of you facing this debt-crisis problem, step out, take ownership and responsibility, lift the burden off your shoulders and if there are fees to be paid, then stop complaining and trying to haggle prices, because professional services with excellent deliverables can appear to be intangible, until the performance is tangible. If this is the case, then you need to think about what your life is worth, and I am sure it’s worth much more than what money can buy.

When anyone reaches out to take your hand to help you in your debt-crisis then remember, they are taking a huge risk, because with your default record, they have no guarantee of your future commitment and as the record stands, many have been dishonest and leveraged on a remedial mechanism to ease their debt burden, only to disappear into thin air!

Be credible, learn to rebuild your integrity and remember, the money you spent, was given to you in good faith by your creditors, so you need to reciprocate in the same vein, as they don’t owe you any favours to apply ridiculous discounts, only to protect their assets, because their livelihood depends on this very important factor too!