Many consumers still struggling on the treadmill of to high interest rates are completely unaware that this situation does not have to exist. Paying an interest rate over 15% on a credit card is the equivalent of putting your hard earned money on a table and turning on a fan with a window open. If you do not have an appreciation for the point I just made, than perhaps you need to stop reading now.
In addition to the non-profit debt consolidation programs available, which will greatly lower your interest rates and pretty much keep your credit score in tact, their is also a Hardship Debt Consolidation Program offered by many banks through the non-profit program.
Here is how it works. If you are behind on your payments some banks will offer even lower rates than are available in the standard debt consolidation program and even many times lower payments. Here is just a partial list of the credit card banks that participate: American Eagle, Banana Republic, Chase Bank, Bank of America credit cards, BP Oil Cards, Circuit City and many more. If you are in a hardship situation, which can easily be determined during the Free Credit Counseling session, Chase bank, for example will lower the interest rate to 2%.
It never ceases to amaze me, in all my years of counseling, that so many consumers are resistant to taking advantage of these programs that are so readily available, until a crises strikes.
Might I suggest, that if you have credit card debt, you speak with a credit counselor and get a free quote on just what a debt consolidation program can do for you, as part of an overall personal debt management program and use your hard earned money to a more productive end.
If you have enjoyed this article, please feel free
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Written By:
Steven Ciantro
Certified Credit Counselor
American Debt Enders
877-766-2465
help@americandebtenders.com
If I sent you one of those nice and flashy websites with all the great colors and the countdown clock, and even a line that says if you order by midnite, a Genie will appear. And of course, I will offer you a money back guarantee, if it does not work. Would you buy it?
Because I will bet that at least half of you have ordered similar websites only to find your hopes dashed.
If you notice, my direct contact informationis on every email that goes out from American Debt EndersAmerican Debt Enders. This company was formed to help people get out of debt by offering credit counseling services. Because we had a shoe string budget, or actually, no budget at all, we had to work very hard. Someone, about 5 years ago, like me, told me about a system called Veretekk. It was for me, the beginning of success. First I signed up for a free Silver system, so I could sit in on the live free training. At the time I had no idea how the internet worked, or how to make a web page, or send an email, or anything else. But what I did know was how to get people out of debt.
After about a week in the FREE Silver System, it was obvious that these tools and knowledge provided by Veretekk, were the real deal,so I spent the 54.95 and upgraded to the Gold system. After about 6 months of herd work the American Debt Enders website gaines first page google ranking on some of the most competetive key words in use. Try typing "personal debt management" into google and you will see what I mean.
I know you are busy trying to succeed with those " Genie in a Box" websites, but if you are smart, you will try visit the Veretekk link mentioned in this article and sign up. Or you can just keep on as you are.
Written By
Steven Ciantro
American Debt Enders
877-766-2465
help@americandebtenders.com
Hours: 10am thru 5pm
Monday thru Friday
Feel free to call.
If I sent you one of those nice and flashy websites with all the great colors and the countdown clock, and even a line that says if you order by midnite, a Genie will appear. And of course, I will offer you a money back guarantee, if it does not work. Would you buy it?
Because I will bet that at least half of you have ordered similar websites only to find your hopes dashed.
If you notice, my direct contact informationis on every email that goes out from American Debt EndersAmerican Debt Enders. This company was formed to help people get out of debt by offering credit counseling services. Because we had a shoe string budget, or actually, no budget at all, we had to work very hard. Someone, about 5 years ago, like me, told me about a system called Veretekk. It was for me, the beginning of success. First I signed up for a free Silver system, so I could sit in on the live free training. At the time I had no idea how the internet worked, or how to make a web page, or send an email, or anything else. But what I did know was how to get people out of debt.
After about a week in the FREE Silver System, it was obvious that these tools and knowledge provided by Veretekk, were the real deal,so I spent the 54.95 and upgraded to the Gold system. After about 6 months of herd work the American Debt Enders website gaines first page google ranking on some of the most competetive key words in use. Try typing "personal debt management" into google and you will see what I mean.
I know you are busy trying to succeed with those " Genie in a Box" websites, but if you are smart, you will try visit the Veretekk link mentioned in this article and sign up. Or you can just keep on as you are.
Written By
Steven Ciantro
American Debt Enders
877-766-2465
help@americandebtenders.com
Hours: 10am thru 5pm
Monday thru Friday
Feel free to call.
Millions of American consumers are afraid to answer the phone, or simply have devised clever screening met5hods to avoid detection by debt collectors.
Well, there is a better way. And it is no cost. It is called Collection Protection. OK, what is it? and what does it do? and how can it be good if it is free? Yes, these are all excellent questions, and I will answer them. Collection Protection is a company made up of Attorneys who specialize in the Fair Debt Collection Practices Act and its enforcement. They are devoted to educating you the debt ridden consumer on ways to monitor your collector contacts and record them in such a way as to make a legal record so that if violations are foundto occur the collector can be sued for up to 1000.00 dollars per violation.
Why is it free? Because like many Attornies, they are willing to work on a contingency basis and split the recovery with you the consumer, on a 50/50 basis. I would say that if you have a debt problem, this is a no brainer.
You are not required to enroll in any other program like debt settlement etc., although you can if you like. The beauty of this program is that debt collectors are put on notice by the Attorneys that they are being monitered, and that any infractions of the FDCPA or any other collection law will be dealt with in court by filing suit against the debt collector. This alone tends to dramatically slow down the collection phone calls.
So, if you are a debt ridden consumer who is in need of debt help, do not hesitate to call or email Personal Debt Management for a free credit counseling consultation and get enrolled in the program for free.
If you are not a subscriber to the Credit Counseling Newsletter which is free, simply click on the previous link and leave your email address. We never share your information.
Written By
Steven Ciantro
American Debt Enders
Certified Credit Counselor
TalkShoe Radio Host
877-766-2465
help@americandebtenders.com
Here it is short and sweet. By now you have figured out that the Free credit score site is not free at all.
But here is a fool proof way to get the credit report, and your credit score absolutely free, and also, if you find you do not like your credit report or your credit score needs to be raised, then you can do that in the same breath.
Here is How! Visit FREE Credit Report and Score. Go to the two sites listed, and follow the simple directions. You can feel free to thank me later. If you find that you get depressed and feel you would like to raise your credit score, then simply follow the directions on the Free credit report page for how to proceed.
This is guaranteed to work.
Feel free to subscribe to our FREE Credit Counseling Newsletter
Written By:
Steven Ciantro
Certified Credit Counselor
American Debt Enders
877-766-2465
help@americandebtenders.com
Here is how to do a rapid Credit Restoration. First, you need a reputable company, with a heavy track record of having unverified data, including late payments, charge offs, and yes sometimes even bankruptcies removed from your credit report legally. Oh you didn't know that could be done? Well that is due to the fact that you have been listening to the wrong people. I assure you that it can be done. Here is a company that in my opinion is the best in the country at doing it CREDIT RESTORATION WITH LEXINGTON LAW FIRM. For 99.00 dollars down, and 59.00 dollars per month with no contract, you will be well on your way to a higher credit score.
So that was step one, here is step two: There is now an awesome PRE PAID CREDIT CARD from 1st Bank of California, which will report to all 3 credit bureaus, thats, Trans Union, Equifax, and Experian, any recurring bill you pay with it. That includes utility bills, cable bill, cell phones and on and on. This will place a new on time tradeline on your credit report for each bill you pay using it. Awesome. The cost of the card is 29.95 and is directly available at Pre Paid Credit Card
There you have it. The unbeatable, raise your credit score one two punch.
Written By
Steven Ciantro
American Debt Enders
Certified Credit Counselor
help@americandebtenders.com
877-766-2465
Here is a recent article in the Washington Post Unpaid Traffic Tickets Effect Credit Scores. It seems cash strapped cities have found a way to motivate even more cash strapped consumers yo pay their traffic violations in a timely manner. Currently the level of defaults for non payment of traffic fines is becoming very high. Since cities are now, more than ever using these fines to help close budget gaps, as a way to entice consumers to pay up, they have begun having the collection agencies report them to the credit bureaus.
As if consumers did not have enough to worry about themselves, facing their own cash flow shortfalls.
Well, if you find that your credit score has taken a hit due to some unpaid traffic fines, do not ignore it. Simply enroll in a Credit Restotation Program that can remove them, by requesting validation. This site contains a great deal of interesting information about credit scores. If they are not validated, they must be removed. This will raise your credit score. The price for the program is 99.00 down, and 59.00 dollars per month, with no contract required. And the service includes ID Theft protection.
Written By:
Steven Ciantro
Certified Credit ounselor
American Debt Enders
Help@americandebtenders.com
877-766-2465
So just how long do you think it takes to raise a credit score? If you listen to all the talking heads, 7 years? or perhaps 10 years? I say How about one year, or less.
Here is how to do a rapid Credit Restoration. First, you need a reputable company, with a heavy track record of having unverified data, including late payments, charge offs, and yes sometimes even bankruptcies removed from your credit report legally. Oh you didn't know that could be done? Well that is due to the fact that you have been listening to the wrong people. I assure you that it can be done. Here is a company that in my opinion is the best in the country at doing it CREDIT RESTORATION WITH LEXINGTON LAW FIRM. For 99.00 dollars down, and 59.00 dollars per month with no contract, you will be well on your way to a higher credit score.
So that was step one, here is step two: There is now an awesome PRE PAID CREDIT CARD from 1st Bank of California, which will report to all 3 credit bureaus, thats, Trans Union, Equifax, and Experian, any recurring bill you pay with it. That includes utility bills, cable bill, cell phones and on and on. This will place a new on time tradeline on your credit report for each bill you pay using it. Awesome. The cost of the card is 29.95 and is directly available at Pre Paid Credit Card
There you have it. The unbeatable, raise your credit score one two punch.
Written By
Steven Ciantro
American Debt Enders
Certified Credit Counselor
help@americandebtenders.com
877-766-2465
An experienced credit counselor can evaluate a consumers debt situation in a 15 minute conversation. That is if the counsellor is truly knowledgeable and experienced. There are only so many options available to a consumer for debt relief. What are they: credit counselling also known as a Debt Management Program or Debt Consolidation. If the consumer is to far behind or cannot afford the payments in this type of program, then there is also available a debt settlements program, in which the debts are settled for hopefully much less than they owe at face value. If there credit score is still reasonably ok, that means mid 600's, then they might also be able to explore a low interest, unsecured debt consolidation loan. If none of the above are a fit, then a Chapter 7 bankruptcy should be explored.
One final option, and that is for the consumer to do nothing at all. In this option, the consumer basically just decides to ignore the debt and the creditors. Unless the consumer has exempt income and no real assets, this last option is extremely unwise.
So, if you the consumer needing help, have gone through a credit counselling session, and the counsellor has told you what you qualify for in terms of structured debt relief programs. Do yourself a favor, and make sure you implement the plan, otherwise you have really wasted every ones time. And, like so many others, find yourself calling again for help after you receive the first subpoena from a creditor.
Written by
Steven Ciantro
American Debt Enders
Certified Credit Counselor
help@americandebtenders.com
877-766-2465
I have recently noticed that the common misspelling in Google searches by consumers oppressed by debt, and needing debt help, Credit Counselling is used a great deal. While using this misspelling will miss many credit counselling companies, it will not miss perhaps one of the most highly regarded credit counselling companies in the country, and that is American Debt Enders.
We are one of the few companies in the industry of credit counselling, that does not have a single documentable and valid complaint. Easy to check as we are members of Netcheck which is similar to the BBB.
We provide Personal Debt Management and were one of the first companies in the country to combine non-profit debt consolidation, with Debt Settlements and other types of debt relief, including Credit Restoration while in a debt settlements program.
So, if you need any of the above services, please do not hesitate to contact us, the counselling is always free and without obligation.
Also, while you are visiting the home page, feel free to subscribe to our Free credit Counselling Newsletter, by simply leaving your email address. We never share your information.
Written By
Certified Counselor
American Debt Enders
Talk Shoe Radio Host
help@americandebtenders.com
877-766-2465
With the economy in a free fall those of you who are suffering from significant income cutbacks, are entering a war zone if you have significant unsecured debts.
Allow me to prove my case. Here is the basic breakdown of an email to the debt collection industry, which was sent to me. The email is from SiezeAssets.com, and it even has a video. I think the title is self explanatory. Here are some of the highlights of the email: Their services include: Other Services
Social Security Number Searches
EIN Searches
Skip Tracing / SSN Verification / Bank Verification Ping
Real Property & Vehicle Searches
Judgment Recovery Attorney Network
Contingency Judgment Recovery
Accounts Receivable Outsourcing
and much much more.
These are the tools that Debt Collectors use once they have secured a judgement against you, or to see if it is worth persuing you in court. They have this stuff down to a science. I cannot tell you the number of phone calls we receive after a client has been sued. You cannot hide from them. It is a bad debt relief strategy. If you insist on not dealing with your unsecured debt issue, you will only wind up with a garnishment, siezed bank account, or you will watch someone drive away with your car.
I actually had one caller, who had just received a subpoena regarding their credit card debt say that no way a judge would order a judgement against them because they had 3 car payments to make. By the way, they were only two people. Really? If this is your thinking you need to wake up from your slumber.
If you are reading this article and in need of credit card debt settlement, then act now and get a free credit counseling consultation, and see if a Debt Settlements Program with full legal representation can help you overcome your debt problems and provide the debt help you need.
That way, if you are served asubpoena by a debt collector, you will not have to worry about Exempt Income you will have an Attorney representing you in person to help avoid a judgement, and get the debt settled properly.
Doesn't that make more sense then scrambling around at the last minute, to learn your options. By the way, if you have already been served a subpoena, then that particular debt cannot be placed in any debt settlement program. Just a word to the wise.
Well, if you enjoyed this article do feel free to subscribe to our FREE Credit Counseling Newsletter we never share your information.
Written By:
Steven Ciantro
Certified Credit Counselor
American Debt Enders
help@americandebtenders.com
877-766-2465
In the recent past I have written about how difficult it can be to break free from pay day loans. Of course, it is no easy task to escape any type of debt, but, programs like Debt Settlements with Restructure have been available to help the distressed consumer fight the battle.
Unfortunately, these programs cannot help with pay day loans. After years of offering free credit counseling, I have come to believe that the best way out of a bad pay day loan problem is to consolidate the debt.
But, how do you consolidate the debt when you have less than good credit? American Debt Enders has long been a company on the cutting edge of self empowerment and debt help. As such we have and are always on the lookout for ways to improve or expand the quality and type of debt relief we can offer consumers.
It is along these lines that we have affiliated with an unsecured loan consolidation company called "Prosper". This is not just another loan company. This is about people helping people. The concept is very simple. On the one hand you have consumers who maybe could not qualify through more conventional sources for an unsecured personal loan, due to less than stellar credit. And, if they could get a loan it would be at extremely high interest rates, which is exactly what caused the problem to begin with. On the other side, you have consumers who have money and are looking for a better return on their money than they can currently get in a bank, but are not greedy.
Putting the two together, is exactly what Prosper is about. Lets say you need to borrow 5,000 dollars. After making your request, and filling out the application, 20 consumers invest 500 dollars each to cover your loan. Each of them makes a better than usual return, without ripping you off, and none of them, is totally exposed to a big loss, in the event you default.
So stop wasting time. If you are in need of debt relief consolidation, just visit pay day loan consolidation click on the banner and fill out the application.
Please note that American Debt Enders is a member of the Netcheck commerce bureau, with no complaints. We also publish a highly acclaimed FREE credit counseling newsletter, which you may subscribe to by visiting American Debt Enders, and leaving your email on the subscribe link. We never share your information, period.
Written by:
Steven Ciantro
Certified Credit Counselor
'
American Debt Enders
Help@americandebtenders.com
877-766-2465
One of the major advances of the past year, in my opinion, has been the development of a more advanced kind of debt settlement strategy. It is the Debt Settlements, with Debt Restructure, or Debt Buyers Exchange, which is a personal debt settlement program. This program is software driven, although live customer service is available as well. The nice thing is that the software operates 24/7, and the client has 24/7 access to their own personal software platform. Hence, the client can send change of information requests through the software anytime.
The consumer also can access the status of their accounts to see if offers have been made on them for purchase, and how much each offer was, and of course, whether or not that offer was accepted, by the creditor. Once the debts have been purchased for a settled amount buy a debt buyer, the consumer is then paying back the debt buyer in monthly affordable payments.
In my opinion, this is far superior to do it yourself, personal debt settlement, as a debt settlement strategy, because, in addition to the aforementioned, the consumer is upon enrollment, receives full legal protection, should they be served a subpoena, before the debts are settled and purchased.
You can get more information about this unique, one of a kind, personal debt settlement strategy, by simply clicking the previous link.
American Debt Enders also publishes a Free Credit Counseling Newsletter, which is acclaimed for its content, by simply leaving your email address at the site in the subscribe box. Your privacy is always respected.
Feel free to contact the author.
Written By:
Steven Ciantro
Certified Credit Counselor
American Debt Enders
877-766-2465
Unfortunately, there is really no such thing as payday loan debt consolidation or even ptting pay day loans into a debt settlements program, because no debt settlement company will take them. It is absolutely amazing that with so many consumers being trapped by these modern day loan sharks, our legislators have not yet acted. One of the reasons for this is that there really are no usary laws in america any more. While the Obama adminisration is busy writing new restrictive laws on the banking industry, nothing on pay day loans.
It is amazing in our free credit counseling phone calls, how many of them are about people trying to get relief from pay day loans. Of course, to state the obvious, the best thing to do is not to get involved with them in the first place, no matter what the situation. When you do take out a pay day loan the agreement you sign gives them the right to just go after your bank accounts, and charge onerous fees, and interest. People borrowing 400.00 dollars, wind up paying back over 1000.00 dollars. It is no wonder that in the United States by many reports there are more Pay Day Loan Companies than there are McDonalds and Burger King combined! Source Borrowers Lawmakers grapple with payday loan makers. So, the fact that the lure of easy money is generating a big problem for credit counselors, should be no surprise.
If you are a Pay Day Loan victim, here is a resourse that may help you. Pay Day Loan Forum. It is an open forum where you can ask questions about Pay Day Loans, and get pretty good advice on what specific steps to take to get relief.
If you would like to subscribe to the best Free Credit Counseling Newsletter available anywhere, simply visit the previous link and leave your email address. We do not ever share your information.
Written By
Steven Ciantro
Certified Credit Counselor
American Debt Enders
877-766-2465
help@americandebtenders.com
If you have been a subscriber to this FREE Credit Counseling Newsletter for any period of time, and I must say it is a bargain, then you know that from time to time we offer our prognostications regarding things economic, and how they will effect you where you live. If you look back at earlier articles, you will see that any time we have made a forecast, we have not been wrong, not a single time.
So, we came across this article about housing entitled 20% Drop In Housing To Cause Recession In 2012, Says Gary Shilling. You can read the entire rticle and view the video simply by clicking on the link. The future for real estate is very bleak. I hope that is direct enough to get your attention. I personally know individuals who think they are financial geniuses and are investing and buying real estate thinking that they are going to make a killing when this market turns around. I feel sorry for them. If you are buying real estate because you can rent it and get a cash flow, that is one thing. If you are buying because you believe their is going to be a huge turnaround coming, I urge you not to do it.
Lets just look at this from a common sense vantage point. If you ever just kept your eyes open in recent past years, their was a time when a property that was foreclosed on was scooped up in a lightening flash. Try this same exercise now, just notice the next time you see a for sale sign on a foreclosed home, how long it just sits their with nothing happening. Whether or not the property is in a good neighborhood or not makes little difference. It still just sits their. This was absolutely unheard of in recent years. The norm was for people to trip over themselves making offer after counter offer to try to purchase it. Is this not true?
Interest rates are extremely low now. I mention this because if you have good credit, you could purchase one of these foreclosed properties with attractive financing , and use it as a rental. Even that's not happening.
I feel I can safely say that what is coming economically, is going to make the past few years look like a boy scout jamboree. We have completely incompetent leaders, and are in large part a society that has completely lost its moral compass.
Do I have an answer? The point of this article is not to provide an answer, like all the talking heads out their. I can however offer advice to you. This is no time to allow yourself to be saddled with debt.
If you are living with debt it is high time to get rid of it. You have options. If you are motivated you can even do it without enrolling in a structured Credit Card Consolidation, or Debt Settlements program. But, you must be disciplined. If you would like to discuss your options visit Personal Debt Management.
Written By:
Steven Ciantro
Certified Credit Counselor
American Debt Enders
help@americandebtenders.com
877-766-2465
While recently providing Free credit counseling to a consumer who was in the process of a divorce. As usual, I always screen out for the least painful Personal Debt Management approach, meaning, that which will be the least disruptive to their credit, etc. After reviewing the credit card debts, and working up a quote for a non-profit credit card consolidation program, it turned out that the consumer would be saving about 100.00 dollars per month, even after the monthly fee was factored in and a ton of money in interest charges.
Thinking this was a no brainer enrollment I sent the quote. only to be met with whether or not the payment could be made lower, and the program extended because the new budget after the separation would be very tight. The question was, if the payment could be brought down by 68.00 dollars per month, they would immediately enroll. So, I explained that this was simply not possible, and that the banks were unyielding in their terms for this type of program.
What to do? What to do? Well, I suggested reviewing the monthly expense budget and trying to find what amounted to a 2.25 cents savings per day. This, to prevent a default on their payments, and allow them to save a ton of money in interest. After all, was, realistically was the alternative?
This is what I call missing the forest for the trees. The question was not unreasonable, nor the desire to bring the payment down further, but, it happens all the time, that after running up a very large debt, regardless of the reasons, some consumers simply want it all their own way. I agree, that the banks caused a great deal of this misery, to begin with, by charging such insanely high interest rates in the first place. But, the fact is, that the best solution, is learn from your mistakes and bite the bullet, and get rid of the debt. And, never again allow yourself to be put into this situation.
I hope that someone reading this will benefit by it.
If you enjoyed this article and would like to receive our Free Newsletter, than visit: FREE Credit Counseling Newsletter, and leaving your email address. We never share your information.
Written By
Steven Ciantro
Certified Credit Counselor
American Debt Enders
help@americandebtenders.com
877-766-2465
OK, so I woke up this morning to read How to Fix Your Credit Without Hiring Help. I am sorry, but articles like this really do more harm than good. I have absolutely no affiliation with the company mentioned in the article. That being said, the author implies that "do it yourself credit restoration can be done by simply contacting the credit bureaus and making them validate the negatives on the report.
Have any of you reading this, ever tried this approach? More times than not, you have learned that it is an exercise in fustration. Do you have any idea how many disputes per day, the credit bureaus handle? We are talking huge numbers here. Do you really believe that they are following through with each dispute received? Of course not. You cannot possibly believe that. Like many other things, the talking heads of TV land, like to hear themselves talk. No substance.
Like anything else, dealing successfully with the credit bureaus, requires some knowledge and experience. Does this not make sense? Are their bad companies and good companies? Yes, and I am sure, that you have already figured this out.
CREDIT RESTORATION or Debt Restoration works, but you must know what you are doing, especially if your credit is very bad, due to years of neglect or just hard times. Whatever, your tale of woe, as to how it got so bad, the only thing anyone looking at your credit report is imterested in seeing is your credit score, yes, you have been reduced to a number. Welcome to The Brave New World. Adding statements to your credit report, will not help, contrary to what the article implies.
These are the facts. If you are interested in really learning more, may I suggest that you subscribe to FREE CREDIT COUNSELING the best credit counseling newsletter anywhere.
Written By
Steven Ciantro
Certified Credit Counselor
American Debt Enders
Help@americandebtenders.com
877-766-2465
Let's be clear here. If you are living in America and you do not have millions and millions of dollars stashed away in your checking account ready to purchase everything you want...You need to care about your Credit Score.
Now a days, not only do the banks and lenders rely on credit scores to make an important credit decision. The Landlords, employers, insurance companies, cell phone companies even utility companies all utilize credit scores to help determine their business and credit relationships with consumers.
What this means is that your credit is the most important component of your entire financial portfolio.
Like I mentioned your credit report is a history of your use of credit and other personal information which gives lenders a snapshot of your how financially responsible your are.
Whether you are applying for a credit card, a car loan, a personal loan or a mortgage, lenders want to determine your credit risk level.
The bottom line is that, having a credit score less then 750 could cost you anywhere from 200K to 1 million $$$ in wasted interest payments!
Here is the good news. Their is now, for the first time ever, a pre paid credit card available that will report your payments to all 3 credit bureaus. Yes, that is correct, and this will give you new on time trade lines thereby raising your credit scores. The cost of the Vista debit card, is 29.95. You can order it here: ORDER THE PRE PAID CREDIT CARD.
Also, if you have negatives and inaccuracies on your credit report you can have them removed by visiting: CREDIT RESTORATION. Just click on the Lexington Law Firm link, this is an excellent program, and not expensive.
While you are on the website, feel free to explore if you need free credit counseling, or advise on debt settlements, and personal debt management, you can get it their at no charge.
I hope you found this information helpful. To your credit improving success,
Written By:
Steven Ciantro
Certified Credit Counselor
American Debt Enders
help@americandebtenders.com
877-766-2465
Need a better credit score If you are one of the millions of Americans today suffering
from a low credit score, help has arrived.
This pre paid Debit Card reports recurring monthly payments to all 3 major credit reporting agencies. That is, Experian,
Trans Union, and Equifax. So, what does this mean? Whenever you pay recurring monthly recurring monthly bills,
like your Cable Bill, Utility Bills, Cell Phone, even other credit cards, you create a new line of credit, or, more commonly called a
trade line. Trade lines are extremely important to your credit score. You will create these new tradelines 30 days after you start
paying using the Debit Card. These new on time trade lines will account for 35% of your credit score. That is masssive.
So, what is the bottom line on this. It is awesome, for you the consumer. It means that for the first time ever,
you now can create almost unlimited trade lines, on your credit reports, and raise your credit score dramatically. If you are using
a Debit Card currently, then you are crazy, if you do not switch to this one. The cost of this card is 29.95! An absolute no brainer.
So, what are you waiting for? Again, to apply for the card,
visit: Pre Paid Debit Card.t
Written By:
Steven Ciantro
American Debt Enders
Certified Credit ounselor
help@americandebtenders.com
One of the big critisisms against entering any Debt Settlements program is that the creditors do not immediately get paid. Of course, usually people entering debt settlement programs are already in default, and have damaged credit. But for our purposes, putting this aside for the moment their is actually a way to start to improve your credit while entering a debt settlements program.
Yes, that is right, and up until now, this has really not been possible. So how is this possible you ask. Their is a brand new, PRE PAID CREDIT CARD that actually reports payments to the credit bureaus after the first payment! WOW! So exactly what payments? Any payment that repeats on a monthly basis, such as, cable bill, utility bill, phone bill, etc. So has the light gone on yet? What this means is that every one of these repeating payments creates it's own new trade line on your credit report, New trade lines which report that you are paying on time, increase your credit score by 35%!!!! So using it to make the monthly no-fee debt settlements program payments, is creating an additional very powerful trade line on your credit report, while your settlement program is progressing.
Of course, do not stop their. You should also use the card while paying your other recurring monthly bills, for maximum effect. To the best of my knowledge, this is the first time something this powerful has been available, at a reasonable price. The card is not expensive, and well worth every penny.
If you are interested in learning more, please feel free to contact: FREE CREDIT COUNSELING, and speak to a counselor.
If you enjoyed this article and are not currently a subscriber to this FREE Credit Counseling Newsletter, simply visit the previous link and leave your email address. We never share your information..
Written By:
Steven Ciantro
Certified Credit Counselor
American Debt Enders
Help@americandebtenders.com
877-766-2465
The Wages Of Debt Are Misery.
Are are you taking care of Personal Debt Management. Doing it can save your financial life and keep a roof over your head in a financial downturn. Do you know what it is?
So, what is Personal Debt Management? It is making sure that you are not taking on to much debt. This is the exact opposite of what our Federal government does. They have the option of printing money, and just borrowing unlimited amounts, to the detriment of us all, but that is for another article. This article is about you, the consumer.
Have you observed that with thispoor economy the consumer is still being sold the bill of goods about having the good life. Home prices will fall this year by another eight percent. Yet, the National Association of Realtors says that the housing recession is over. In fact, it is worse now than ever. Another fact is that housing starts are down by 50% this year, that's 2011, since I do not know when you are reading this. And if thats not bad enough, unemployment is still over eight percent, amd not expected to improve. In fact, this may very well be the new normal.
Do you find this information sobering? I hope so. I am not trying to depress you, but, we need to awaken from the opiate dream of "the good life", we are daily sold by corporate American, and realize just how serious debt really is.
Debt will steal your peace of mind. It can ruin many marriages. It has caused people to become physically ill, or made existing illness worse. It will make you miserable and irritable, self focused and just plain miserable. Did you know that the bible mentions money 2300 times! You think God had a reason for that?
Have you had enough of debt yet? Maybe you suffer from an avoidance syndrome. You know, just make believe it's not really there. Or, maybe you are just frozen by worry and simply cannot act, or maybe even you just do not know what to do about your own debt.
If you are reading this, their is hope for you> Maybe, it is no accident that you came across this article. Now is the time to take the first step. If you have tried unsuccessfully to relieve yourself of an oppressive debt burden, than it is time to speak to a trustworthy expert. You can get FREE CREDIT COUNSELING by visiting or calling 877-766-2465, for an absolutely no pressure consultation. We have no complaints, only satisfied customers.
If you enjoyed this article and are not a subscriber to this newsletter, please visit: FREE Credit Counseling Newsletterand simply leave your email address. No one will call, and we never share your information.
Written By:
Steven Ciantro
Certified Credit Counselor
American Debt Enders
help@americandebtenders.com
877-766-2465
If you have debt problems, then maybe the best thing you can do is find a verifiaby reputable company that offers FREE CREDIT COUNSELING.
So Why is ths a good idea? Because a Credit counseling professional has the widest understanding of debt relief possibilities. A good free credit counselor is someone who is very different than an enrollment agent who works at a debt relief company, whether it is a non-profit or a Debt Settlement company. How so you ask? E.g. When you call a debt settlement company, you will most likely speak to a person who is a trained professional salesperson, and has been trained to enroll people into their program. Even if the program is a good one, if the person does not have specialized knowledge in all areas of credit counseling, they cannot advise you on any other type of debt relief which may be more suitable for your situation. That includes, speaking with bankruptcy attorneys.
This could be a problem because you are not getting a full and clear picture from a professional during the free credit counseling session. The best thing to do is to speak to someone who is able to fully understand your problem and how a solution applies to your debt situation. Suppose, you wish to file a bankruptcy, because you may know someone who said it this is what you should do. So, you speak to a bankruptcy attorney. He tells you that you can't file a bankruptcy, because under the new laws, you do not qualify for any type of personal bankruptcy, either a chapter 7 or a chapter 13. Unfortunately, he will not tell you that you have other options, because that is not his job, and it will cost him income, and, he is believe it or not even aware of what other options may exist. Why? Because he is a specialist in Bankruptcy Law. if you do not file the bankruptcy. You might, in that case be much better off doing debt settlements. Perhaps, even a credit card consolidation program, in which you would be simply consilidationg all your debt, and getting better terms from your creditors. But, how will you even know if these options are suitable for you, unless you speak to someone with a thorough knowledge of them.
In summation, you need to improve your chances of success in terms of achieving debt refief, by making sure that you first, find a solution that is appropriate for you. because not all debt problems are alike.
If you enjoyed this article, and would like more information about FREE CREDIT COUNSELING. can help you, subscribe to our Free credit counseling newsletter.
If you have a question, please feel free to contact me at the contact information below.
Written By: If you are considering a Bankruptcy instead of Debt Settlements
be aware of the advantages and disadvantages of your
decision. If you have spoken with a credit counselor and determined
Bankruptcy is the only option for you,
then you should seek legal advice from a bankruptcy attorney.
The following is intende to be legal information only.
And, as such, it is an overview on the basics of the 2 most common
bankruptcy types.
For prsonal Bankruptcy, there are 2 different types. that a consumer may
consider: Chapter 7 or Chapter 13. On October 17, 2005, the
bankruptcy code was revised by the Bankruptcy Abuse Prevention
and Consumer Protection Act. [BAPCPA] This change was intended
to eliminate the option of Chapter 7 Bankruptcy for people who could
afford to repay some of their debts. As of 2005,in order to qualify for
Chapter 7, a clients expenses must be examined using the governments
means test which was introduced as part of the 2005 change to the
law. This means test analyzes a clients income versus expenses local living standards,
and the median income for the clients state.
Chapter 7: No asset bankruptcy In this type of bankruptcy,
You do not have to pay any portion of your debts.
To qualify for a Chapter 7, first a client must obtain Consumer
Credit Counseling from an organization approved by the US
Trustees office within 180 days of filing. The credit counseling is intended
to see if the client has realistic alternatives to filing for bankruptcy.
A client must pass the means test. This is the measure of disposable income
left over monthly, if they cannot pass the means test for their state,
then they can only qualify for a hapter 13. This is a 5 year repayment plan
of the consumers debt with the oversight of a Bankruptcy trustee.
Rather than take this option,
DEBT SETTLEMENTS
might be a better option to consider, if the only issue is unsecured debt.
Most bankruptcy attorneys require you to pay their fees up front
in full before they will process your bankruptcy. Fees vary by state.
A bankruptcy will remain on your credit report for up to ten (10) years.
Chapter 13: Repayment Plan bankruptcy You must repay a portion
of your debts. Chapter 13's can be more costly.
- The court will analyze your income and expenses, and set the
client up on a repayment plan with their creditors typically for 3 to 5
years.
- A bankruptcy Trustee is appointed by the courts and monitors
and administrates your repayment plan.
If you cannot file a chapter 7 bankruptcy, you may be much better
off entering a valid Debt Settlement Program
, administrated by a law firm.
The debt settlement program will not be listed on your credit report,
you will not need to be involved with the courts, and a chapter 13 is
really a court ordered settlement program. Also, chances are good our credit
score will recover faster in a debt settlements program.
Here is the Bottom line: You must get the facts. You can get a free
quote and free credit counseling consultation by contacting us at:
Free Credit Counseling.
If you enjoyed this article, please feel free to subscribe
to our FREE Credit Counseling Newsletter.
We will never share your information, and never spam you.
Wtitten By: I have previously written about
credit card consolidation .
This time we will explore another type of credit card consolidation.
Which is Debt Restructure combined with Debt Settlements.
What is this form of debt relief?
Very simple and very effective. First, a debt buyer,
which is someone who purchases debt for a living, with your
permission, settles your debt for approximately
40% of what you owe. Next, and only with your approval, the
debt buyer writes the creditor a check for the entire
40%. You then pay back the debt buyer at 55% of the
original debt over a period of years, in affordable
monthly payments. Yes, the debt buyer, who is taking on
the risk, is receiving a nice profit, but you, the debt
consumer, are also benefiting greatly, as once the debt
is restructured you stop getting phone calls, and negatives stop
being reported on your credit report.
This is a win, win situation.
Is this an appropriate program for everyone?
No, it is appropriate for those who are at the
end of their rope, and can no longer afford to keep
up with their credit card minimum payments, and either cannot afford
a bankruptcy, or would rather not file a bankruptcy.
Their is another positive aspect to this program
that is very effective. Included in to the program
is legal protection. Just in case you are sued
by a creditor before the debt is settled and purchased.
Another feature is that you are actually
assigned an attorney to report any
violations by creditors of the FDCPA, thats
Fair Debt Collection Practices Act.
These features make this program very unique,
and a great help for debt relief in the appropriate
circumstance.
If you are interested in learning more about
this Debt Restructure program, please call
877-766-2465, or visit
FREE CREDIT COUNSELING.
Written By:
Steven Ciantro
Certified Credit Counselor
American Debt Enders
help@americandebtenders.com
24. When To Take Debt Settlements Over Bankruptcy?
Steven Ciantro
Member National Association of Credit Counselors
American Debt Enders
help@americandebtenders.com
877-766-2465
25. Credit Card Consolidation, Debt Restructure with Debt Settlements
Steven Ciantro
Certified Credit Counselor
American Debt Enders
help@americandebtenders.com
877-766-2465
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