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Managing money wisely starts with making a decision. You must choose to handle the money you have now if you expect to receive more in the future. You must also realize what you have accumulated really belongs to God and He wants you to manage it for Him.

God is the Owner and you are His steward. The definition of a steward is one who manages the property of the owner. If God would sit down with you right now and have you show Him your financial records, would He be pleased with how you are managing His wealth?

We need to develop a “stewardship mindset” if we plan on managing more of what God gives us. Wealth was created by God and for Him. He is our Provider and our Source for everything. When you give back His role as Provider and take on your role as Steward, then you will experience a peace you’ve never known before.

Can God trust you with more? Are you just trying to get your own needs met or are you helping others in need? Once you realize God will take care of your EVERY need, then you can focus on your role as His steward. If you were an owner of a business, who would you trust to manage it? Wouldn’t it be someone who has proven themselves faithful with what you gave them to manage for you?

If you look at stewardship from this perspective, then you can see how God views your role. He wants to give you more, but He also wants you to be wise with what you already have right now. Where does wisdom come from? It comes directly from God and His Word, The Bible. Take a look at the book of Proverbs and you will find the secret to getting wisdom.

This book will show you how to be rich and how to be poor. God will show you what you can do to acquire more wealth and how to lose it all. If you really want to be a wise manager of money, then do an in depth study in the book of Proverbs and apply what you learn. When you do, wealth will find its way to you.

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Carol Odell of your BBB and Valerie Ballard from Air Academy Federal Credit Union talk about the rules debt collectors must follow and how consumers can verify a debt collector has the legal right to be collecting a particular debt. Start with our website www.southerncolorado.bbb.org

debtrelief-program.com Watch this video to learn about your options for handling phone calls from debt collectors. The Firm PLLC is a general practice law firm that aids consumers to get out from under credit card debt and other unsecured debt through an innovative debt validation and debt relief plan.

The Federal Trade Commission recently reviewed thousands of phone calls between debt collectors and the families of deceased debtors and didn’t care for much of what they heard. According to the FTC, many debt collectors skimmed obituaries and began cold-calling relatives to determine whether or not they were handling their loved one’s affairs. The responses from family members helped collectors gauge whether or not they would continue to contact the individual to recover the decedent’s financial obligation. Even more disturbing was that some collectors implied that family members had a moral obligation to pay these debts, and they routinely asked for voluntary payment to satisfy an outstanding balance.

I don’t need anyone putting me down and calling me a deadbeat PLEASE just some advise!!
In may of 2008 I had a payday loan through a on line company (bad idea I now know) they were to take the payment out of my checking, when they tried to take the money they notified me and said there was not enough to cover the payment. Turned out a direct deposit that was supposed to be made wasn’t. I said I would mail a money order which I did. I thought this was cleared up. I have looked high and low for my M.O. receipt and I cant find it, therefore if said company says they didn’t receive the payment then I do feel obligated to pay it yet again as its my bad that i lost my proof of payment…

Now over a year later i get a call from a company Eclipse Resolutions LLC in New York they have a called 4 or 5 times and leave a message I have tried to return their calls to find out what it was they wanted. When I did get a answer the person I was supposed to talk with was never around and there was no voice mail. So I continued to try and reach someone. I called this AM and spoke with someone they are calling in regards to the payday advance I described. I told them I need to see some documentation, something in writing…. OK fine but the secretary was out maybe if I call back the next day they can email or fax me something.. so I chat with this person for a bit, I expressed that IF I receive something in writing and this seems valid I can work out some type of agreement. But I was not unwilling to just send them money…. His response was "well you have screwed up get a lawyer" and he hung up on me…
So I called back spoke with someone else (at that point I still didn’t know what company I was dealing with) I tried to talk with him and was interrupted a number of times unable to ever finish a sentence, he then told me that If I didn’t call back tomorrow and set up a payment agreement and get them a payment via, checking account or debit/credit card by the 3rd that they were sending paper work to my County because I wrote a bad check across state lines and committed a felony offense. I told him again that if they sent me something in writing to validate the debt I would work out a plan to pay the debt starting 8/15 the earliest I would have money available.. He then proceeded to tell me that they were trying to work with me and it was what it was, if i didn’t have the money to them by the 3rd then i can expect it to be turned over to the county and he could no longer speak with me as he was leaving the office and the soonest I could get something in writing was via fax or email tomorrow IF I called them tomorrow and he wouldn’t even take my contact info (email/fax/mailing) so that first thing tomorrow they could get it sent to me. I also asked why I had not received anything up to this date and his response was they will not waste money mailing me a bill.

I am wondering if you can please tell me how to handle this situation? like I said if the original company claims they didn’t receive payment then I feel obligated to pay it. But I also do not have a good feeling about this other company. I am at a loss at this point and unsure what to do.
I have been trying to research this company and have came up empty handed. When they leave a message they say a name, and a call back number and case number: xxxxxx
The company that has been calling me is:
Elcipse Resolutions LLC a litigation company
Tonawanda, New York
1-888-368-1116

I appreciate any advise that you can give me. I have contacted a lawyer for his advise but haven’t heard back yet…

Thank you very much for your time.
I did use cash for the money order, to clear up the mistake with my checking account. but i can not find the reciept from the money order