Free Credit Counseling

The ADE Debt Relief Phone Numbers

Free Credit Counseling---       877-766-2465

Student Loan Consolidation---877-766-2465

Free Bankruptcy Counseling-- 516-204-4640 (National Number)

Credit Restoration Counseling-888-586-2661 Inc. Credit Report Review

Each of these numbers provides Free Counseling.

Debt Settlement Programs, You Are Not Alone-15% Of All Americans With A Credit Account Have At Least One Of Them In Collection?

 In a May 2013 Story from InsideArm.com  which is the newsletter for the debt collection industry, literally 15% of Americans with any type of credit account have at least one of those accounts in collection and appearing on their credit report. It is higher th an in the last quarter of 2012. That number is from the 1^st quarter of 2013, and is a new record. The only bright spot is that the balances of the collection accounts is slightly lower. Could that mean that consumers are seeking help earlier?

Here is what the picture looks like going back 10 Years:

 

  Just as I have always maintained in all my writings, this is a new economy and not about to change anytime soon. The dollar devalues every year by a significant amount thanks to the policies of the Federal Reserve Bank, and consumers simply must use credit, or money which they do not have to bridge the gap. Each year the problem becomes a bit more severe than the year before.

  Given enough time payments on the debt become unmanageable and the consumer must find a solution. Very often that solution becomes a conversation with a credit counselor, and also often a Debt Management Program will simply not lower the payments enough to make a difference. Note: A Debt Management Program was created by the banks over 20 years ago. It will lower interest, but not usually lower the payment in a significant way, any credit cards placed into the program must be closed but the debt is paid back in full in less than 5 years. For a further explanation of how this works, simply visit: what is a debt management program.

  If the consumer cannot meet the minimum payment in a debt management program then they begin exploring debt settlement programs. The essence of a settlement program and a very basic explanation is that the creditor will accept much less than the original debt amount that is currently owed, rather than get nothing if the consumer completely defaults. For a more detailed explanation of  this debt resolution program simply visit debt settlement program explained. The fact that debt settlement programs have become a huge industry should speak volumes confirming the fact that we are in a totally new economic environment, and one that is not about to change at all. Can you imagine your parents and grand parents talking about entering a debt settlement program to get out from under credit card debt. Chances are, your grandparents didn’t even have credit cards. Imagine living your whole life without having anything like a credit card to fall back on in an emergency, and you will really begin to understand just how different our economic times have become.

  So what is the bottom line. Along with the new economy has come a multitude of highly regulated and effective debt relief programs to help consumers recover from the oppression of debt. And, clearly, as we have just seen, if you need to avail yourself of one of them, know that you are not alone.

  If you would like to subscribe to this free debt help newsletter, simply visit, www.freecreditcounselingblog.com and leave your email address. If you need debt help simply use one of the phone numbers listed below. A counselor will be happy to help, and the talking is always free.

The ADE Debt Relief Phone Numbers

Free Credit Counseling---       877-766-2465 

Student Loan Consolidation---877-766-2465

Free Bankruptcy Counseling-- 516-204-4640 (National Number)

Credit Restoration Counseling-888-586-2661 Inc. Credit Report Review

Each of these numbers provides Free Counseling.

 

Yours Truly

Steven Ciantro
Consumer Advocate
American Debt Enders
Rated 3rd Nationally
Certified Credit Counselor
TalkShoe Radio Host
Member National Association of Certified Credit Counselors
Debt Expert for Gail Kasper's Top 1% Club
Top 1 Percent Club
Linkedin Profile
Author #1 Ranked Debt Relief Newsletter
877-766-2465

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Massachusetts Stops Collection Agency From Collecting On Payday Loans

@ Debt Settlement Georgia

Sen. Elizabeth Warren Introduces Bill to Slash Student Loan Interest Rates-We Can Help You Lower Your Rates And Your Interest Now, Without Waiting

    Yes, in an article appearing in Insidearm.com recently, Elizabeth Warren has introduced a bill with no cosponsors in which the rates charged by the
Federal Government for student loans would be set to the same rate
charged to banks when banks borrow money from the Fed.  The bill is Senator Warrens attempt to preempt the Increase in interest charged on student loans beginning in July of 2013.
Essentially the bill would allow students to borrow at the same rate now enjoyed by the banks when they borrow money from the Federal Reserve, which is as of this writing essentially 0.75%.

    Average interest rates currently on Federal student loans is 3.4%, but is expected to rise to 6.8% come July 1^st. It goes like this, when banks borrow money to lend to the consumer they get the money at .75%, but make a very tidy profit, depending on what exactly they charge in interest. It should be noted here that in 2010 banks were essentially taken out of the student loan business as they were federalized and brought under the Dep’t of Education in 2010.

   It is anticipated that the federal Government will bring in about 37 Billion dollars in profit next year on student loans, as things now stand. It is interesting to note that last year when Congress was faced with this same issue it elected to put the matter off to this year, and here we are.

  So with all this as background, it is interesting to note the actual comments
made to the original story when it first appeared in Insidearm.com.

  As it is, the Feds under the Dep’t of Education now offer many debt relief
programs for students struggling under the burden of payments they cannot afford regarding student loan payments.

  You know. Johnny got the degree, but now cannot get a job, and has the student loan to pay back. He has used up all his deferments and the defaulted student loans are causing some problems. What sort of problems you ask? Well, for one thing, if Johnny wants to now work for the Federal Government, then he has to get his loans under control, because in the Federal work arena they are somewhat touchy about having debts you are not dealing with. If you are in the Military, chances are you will not be promoted if you are just ignoring your debts. Additionally, going back to school to advance your education, on a student loan, is pretty much not going to happen, until you correct any default on your current student loans.

 The idea that every American is somehow entitled to a college education
of his or hers choice is a topic for another article.

 Now back to what I started to say about the comments on this article.

 Here is one of them: (name withheld) you are out of touch on student loans. Most students will never pay back their loans for one reason or other.

 (Another: (name withheld) “Mike, you are out of touch on student loans.”

 Of course I then realized that these comments are posted by debt collectors, because, except for myself, that’s you reads this publication. They are already not very happy that they cannot collect in Student loans as of 2010.

 But here is the real bottom line. If you are saddled with a student loan and cannot afford to make the  current payments, there are many programs now available through the Dep’t of Education which can lower the payment, and even in some cases make the payment on the interest due on the loan and reevaluate your situation each year.

 I am a credit counselor, that is my only interest here, and that is to help you live
a debt free life, and so that is my sole purpose for writing this article. So if you are stuck in a debt situation and need help, whether it is student loans or another type of debt, please feel free to use one of the phone numbers and links below for a free credit counseling session, over the phone and see what your options are, because there are always options, and make it happen for yourself, because no one can do it for you.

The ADE Debt Relief Phone Numbers

Free Credit Counseling---       877-766-2465

Student Loan Consolidation---877-766-2465

Free Ch 7 Bankruptcy Counseling-- 516-204-4640 (National Number)

Credit Restoration Counseling-888-586-2661 - Credit Report Review

Each of these numbers provides Free Counseling.

 

Yours Truly

Steven Ciantro
Consumer Advocate
American Debt Enders
Rated 3rd Nationally
Certified Credit Counselor
TalkShoe Radio Host
Member National Association of Certified Credit Counselors
Debt Expert for Gail Kasper's Top 1% Club
Top 1 Percent Club
Linkedin Profile
Author #1 Ranked Debt Relief Newsletter
877-766-2465

 

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Massachusetts Stops Collection Agency From Collecting On Payday Loans

In a previous article on the subject of payday loans and
trying to get help to extricate yourself from them, I indicated
that now available and for consumers who reside in states
where payday loans are illegal, to see the list visit: Payday
loans debt settlement.

Well, the state of Massachusetts has just stopped a debt collection
company from trying to collect on these oppressive loans.
Why? Because the interest on payday loans can reach 350%,
and in Massachusetts the maximum interest that can be charged
to consumers is 23%. And if the loans are more than six thousand
dollars, than the issuing entity must be licensed as a small loan
company by the division of banks. Here is the source for this
story: http://www.insidearm.com/daily/debt-buying-topics/debt-buying/state-shuts-down-collection-agency-warns-other-debt-collectors-on-payday-loans/?utm_source=WhatCountsEmail&utm_medium=2012%20Insider%20Daily%20and%20Weekender&utm_campaign=ARM%20insider%20-%205-2-13&_wcsid=0F13D47E3C6910F6CB50A88E434C7C1BED9E60AF7DB59D481E31D10888B34F52

I am not going to debate the merits of these loans in this article.
I think that the problems and the need for this service should
be apparent to anyone. This new economy of unemployment,
working down, earning less, and going into debt to simply
survive should be apparent to anyone breathing. Unfortunately the
problem is only going to get worse. This is the same reason
that people are pushing their credit cards to the max, and then
at the end of the cycle simply enrolling in a debt settlement program
and then starting the cycle over again.

These are simply the observations of a credit counselor
who has been helping people get out of debt for over ten years.
So, if you need debt relief of any kind, why not call one of the numbers below for a completely evaluation of your situation, along
with all the solutions, so you can begin sleeping again.

The ADE Debt Relief Phone Numbers

Free Credit Counseling---       877-766-2465

Student Loan Consolidation---877-766-2465

Free Bankruptcy Counseling-- 516-204-4640 (National Number)

Credit Restoration Counseling-888-586-2661 Inc. Credit Report Review

Each of these numbers provides Free Counseling.

Want to know who I am, simply check the links in the signature line below:

 

Yours Truly

Steven Ciantro
Consumer Advocate
American Debt Enders
Rated 3rd Nationally
Certified Credit Counselor
TalkShoe Radio Host
Member National Association of Certified Credit Counselors
Debt Expert for Gail Kasper's Top 1% Club
Top 1 Percent Club
Linkedin Profile
Author #1 Ranked Debt Relief Newsletter
877-766-2465

 

 

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Avoid Procrastination! And Set A Good Example For Your Kids By Gail Kasper, Author, Television Host, Certified Fitness Trainer, and Motivational Speaker

Top 1% Club Expert Steven Ciantro says as a partner and featured expert for the Top 1% Club, you are not only able to view many of my articles, but you will also have the opportunity to learn from Top 1% Club Mentor Gail Kasper, one of the nation's leading professional speakers, a television commentator, and a life and business coach. Membership costs you nothing and if you join now , you will be eligible to receive a complimentary set of Gail's new books. 

It can be frustrating when you ask your child to tidy their room and they tell you, "In a minute." That minute stretches into five, then twenty, then sixty, but the room remains a mess. Or how about when your child has had three weeks to work on a school project, but she hasn't done a thing and now she's rushing through it because it's due tomorrow? I'd say a lesson on avoiding procrastination is in order.

But what if the one who inadvertently taught your child to procrastinate is YOU? If your son or daughter has learned to put tasks off to the last possible minute from watching you do the same, don't scold your child and don't beat yourself up. Instead, take action! Teach yourself to avoid procrastination, and you'll become a fantastic role model of efficiency for your child.

 My self-empowerment tool called Systematic Attitude Development-Technique (SAD-T) teaches people to take action and get results, especially when they feel stuck or unmotivated. I've included three action items below, taken straight from SAD-T, to give you an effective strategy for avoiding procrastination.

 1. Formulate a plan. You have a job to do, but you keep putting it off because you have no idea where to begin. Lacking a roadmap, you don't know what to do, how to start, or even what's involved to get the job done. To get out of this crippling state of uncertainty, the first thing you must do is develop a plan. Write down what needs to get done and how you plan to approach the job. Don't worry about all the details yet. Just capture on paper a big-picture plan listing major goals and activities.

 2. Create a detailed list. Once you've written down the major points of your plan, its time to define and refine. How will you accomplish the goals listed in your plan? What steps will you take to get from point A to point B? What specific tasks need to get done to complete each goal and activity in your plan? Here's where you work out all the little details, getting as specific as possible. If you can, give each task a time frame.

 3. Now do it! You've got your roadmap, you've got your detailed list of specific tasks. All you have to do now is jump in and do it! Follow your step-by-step plan, and keep that momentum going. You can be sure that your kids are watching and learning from you. By beating procrastination through a systematic, logical approach, you're setting a great example for them to follow. 

 About Gail Kasper: Mid-1998, Gail Kasper started her business from a small one-bedroom apartment, in the middle of bankruptcy, with no money in the bank. Today, Gail is one of the nation's leading speakers, author, Top 1% Club Mentor, a television host, advice columnist, Certified Fitness Trainer, Ms. Continental America 2008, and the creator of SAD-T™ (Systematic Attitude Development-Technique™). A former Contributing Editor to Success Magazine with the "Ask Gail" column and host of the "Ask Gail" segment on the Comcast morning show, Gail is the author of her self-help autobiography Another Day Without A Cage: My Breakthrough From Self-Imprisonment To Total Empowerment and the self-help parable Unstoppable: 6 Easy Steps To Achieve Your Goals. With national media appearances that include Inside Edition, The Today Show, FOX Business News, and Oprah and Friends, Gail has earned the ranking of an in-demand national media personality who has been the topic of discussion on Regis and Kelly. The current host of the Philadelphia Visitors Channel, she has also made numerous appearances on network affiliates that include ABC, FOX, CW11, Comcast, and CBS, where she co-hosted the Emmy award-winning America's TVJobNetwork. www.gailkasper.com

Presented on behalf of Gail Kasper By

 

 

Yours Truly

Steven Ciantro
Consumer Advocate
American Debt Enders
Rated 3rd Nationally
Certified Credit Counselor
TalkShoe Radio Host
Member National Association of Certified Credit Counselors
Debt Expert for Gail Kasper's Top 1% Club
Top 1 Percent Club
Linkedin Profile
Author #1 Ranked Debt Relief Newsletter
877-766-2465

 

  

 

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Is There Help For My Student Loans? Yes, But Is Someone Getting Ready To Tax Your Scholarship?

OK, get ready, because here it comes. Governor Duval Patrick,
of course of very recent note, in the Boston Marathon Bombing,
said regarding his new budget that in looking to close loopholes,
he is looking to tax the value of your college scholarship. Oh yeah,
that will definitely encourage higher education. Here is the source of the story: Taxing College Scholarships   This is just one of the many personal
exemptions the Governor is trying to get rid of. And while his new budget
may not pass in its entirety, that does not mean that individual parts will not.

Political analyst, columnist, and radio talk show host Jeffrey Kuhner says that Patrick’s proposal to tax scholarships is anti-growth and an assault on Americans.

“Frankly, I don’t think we should tax anything. We’re overtaxed. We should be cutting taxes to grow the economy,” Kuhner said. “The state government has more than enough money if they would go after the waste, fraud, and abuse.”

In all seriousness, I am not suggesting that you are entitled to a free college education, however, when you simply consider the return on the
investment of a college education in todays world, I would suggest choosing very carefully what your career path will be. Every day, I speak to graduates who are totally stressed out over their Federal and private student loans, because their seems to be no end in sight to a final payoff. At least as far as Federal Loans go the Dep’t of Education has many programs to relieve the payments and lower the interest rates on your Federal student loans.

You can get a free no obligation quote on federal student loan relief by visiting consolidate my student loans.  Where you can download a simple one page application to get a free quote.

What about other types of debt including private student loans. Well,
if your private student loans have gone to collection, then they may qualify for a debt settlement program.

 Here are the phone numbers:

The ADE Debt Relief Phone Numbers

Free Credit Counseling---       877-766-2465

Student Loan Consolidation---877-766-2465

Free Bankruptcy Counseling-- 516-204-4640 (National Number)

Credit Restoration Counseling-888-586-2661 Inc. Credit Report Review

Each of these numbers provides Free Counseling.

Yours Truly

Steven Ciantro
Consumer Advocate
American Debt Enders
Rated 3rd Nationally
Certified Credit Counselor
TalkShoe Radio Host
Member National Association of Certified Credit Counselors
Debt Expert for Gail Kasper's Top 1% Club
Top 1 Percent Club
Linkedin Profile
Author #1 Ranked Debt Relief Newsletter
877-766-2465

 

 

 

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