Free Credit Counseling

Are There Enough Free Credit Counselors To Help With The American Debt Problem?

  Well, here we go again. Yes banks are making it impossible
to qualify for a new mortgage but giving away plenty of new
credit cards a those killer interest rates, But please, don’t take my
word for it. Here is an article from Fox News Business entitled
Have credit card companies learned nothing?
http://www.foxbusiness.com/personal-finance/2012/09/19/have-credit-card-companies-learned-nothing/?goback=.gde_3970104_member_165863817

 The article talks about the remarkable increase in credit card debt.
Here we go again. And here is the worst part. All that new debt
is at usurious interest rates. You know, that means the rates
Uncle Vito the leg breaker used to charge for credit. Credit
is not a privilege it is a trap.  Ask yourself how can it be that the
banks are giving out credit cards like candy again. Well for one thing
they only have to put up 10% of the actual money currently. That is correct, the Federal Reserve puts up the rest, so the bank is really only on the hook for 10%, hat is our reserve banking system The part that is on reserve changes periodically and this is how the Fed controls whether we are in a tight or slack credit market. Of course, very few Americans have any idea about how the American banking system works, to busy worried about debt issues.

 Here is a quote from the article “The economy's getting better. As Equifax chief economist Amy Crews Cutts put it in a recent press release: "The economic recovery is increasing both demand for new credit cards and the supply of credit." So, as long as that recovery continues, most consumers should be able to stay on top of their credit card debt.” Well, are you laughing yet? What recovery, and whatever
it might be is being driven by credit card debt.

The economy is getting better? Are these people kidding? Exactly what are they looking at? The Gross Domestic Product is dropping like a stone,
and the spending ability of the average American is dropping dramatically.
Americans who were making 100 thousand annually and up are now making less, and realizing that they can no longer afford their debt service.

 This is absolutely nothing to be ashamed of. The incoming calls to
counselors now are from professionals who never had money problems.
All this t say if you are in this situation, there is help available and
it does not have to be complicated.  So unlike most other counseling professionals credit counseling is free. What stops most people from getting help is a topic for another article.  

 If you enjoyed this article and would like to subscribe to our
FREE credit counseling and debt help newsletter.  Simply
leave your email address. We never share your information.

 Want to change your life? Watch this video:
http://www.youtube.com/watch?v=YScTV0Jq4e4

If you want to know more, fill out the form below or call me:
http://americandebtenders.go4millionsclub.com

 

Feel Free To Cal Me Anytime

Yours Truly

Steven Ciantro
Consumer Advocate
American Debt Enders
Certified Credit Counselor
TalkShoe Radio Host
Member National Association of Certified Credit Counselors
Debt Expert for Gail Kasper's Top 1% Club
Gail Kasper's Top 1% Club 
877-766-2465

 

 

No One Can Tell Me No But Me!

Not only is this good credit counseling, it s also just great advice
that you are about to get. Do feel free to read about my story. It has been a life filled with great physical struggles but also great rewards, I would not change a thing. I am not going to suggest that life is in any way easy. For myself I can honestly say that my faith in Jesus Christ has truly sustained me.

 So here is the crux of the situation, as I see it.  You can go through life
focused on yourself, or you can make a decision not to live in a self centered fashion and be more aware of the people around you and their situations There is a wonderful statement made by Mother Teresa so powerful that it was turned into an awesome song. She said "every morning I wake up and when I see the homeless and the hurting I am seeing “Jesus in Disguise”.
Which is the name of the song.

 If you want to be a world changer, just work on your own issues first,
We are all human. we are very non-perfect beings. I wrote a song because I used to be in the music business.  I wrote many songs but this one was called “Rainy Day Feeling” probably not the one youare thinking of. You can hear it on you tube here:  http://youtu.be/6vPVbj2ARdk , the lyrics say “ You’ve got t take your harsh words and make them better” I wrote this when I was 16 years old.

 Don’t feel badly if you are dealing with issues, is my point. But do not allow them to stop moving forward. I have a BK artificial leg which I got from a motorcycle accident. I was 19 years old. I saw a picture recently of a 15 year old with two prosthetic arms—he said, “No one can tell me no but me”.. Does that not say it all?

 Wow, I can’t believe I am revealing all this personal stuff about my own life, Who knows, maybe there is a book in the making? What do you think?

 Well, I hope you got something out of this little rambling.
If you are oppressed by debt, feel free to contact me directly see my contact inf below.

 If you are at all interested in an incredible once in a lifetime opportunity (No I am not trying t see you a single thing, just sharing.
please watch this video:  http://www.youtube.com/watch?v=Ziw0cDb6Y3g, it is absolutely for real. Then fill out the form:
http://americandebtenders.go4millionsclub.com  
But only do it if you really want to change your life.

 If you enjoyed this article please do feel free to subscribe to
the FREE Credit Counseling Newsletter.

 Yours Truly

Steven Ciantro
Consumer Advocate
American Debt Enders
Certified Credit Counselor
TalkShoe Radio Host
Member National Association of Certified Credit Counselors
Debt Expert for Gail Kasper's Top 1% Club
Gail Kasper's Top 1% Club 
877-766-2465

 

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Ed Mercer-The Billionaire Wants To Mentor You!

Let me state at the outset, I am not a person given to financial schemes. . I have been a member of a community called Veretekk, Which is the most advanced internet marketing and lead generation company of all time. The company was started 16 years ago, and is a community of people who make a living from home and teach and support each other.

 

When a Wall Street Journal Article certified billionaire approached Veretekk with the fact that he wanted to make his 5th Guinness Book of World Records, and use Veretekk and its awesome technology to do it, I was paying attention. I knew exactly what Veretekk could do, as I had used it to build a national credit counseling company.

 

I then attended a meeting to learn more, and spoke personally to the founder of Veretekk, who was constantly approached to put the marketing power of his company behind the next get rich program, and for 16 years had declined until now. This was different. Veretekk would be the marketing company, Ed Mercer and a new ground floor opportunity, that people could be successful at from home the first tool on the way to being successful at this ground floor opportunity.

 

There is so much more to this, that if you are at all interested I personally invite you to one of the many meetings. Here is the Ed Mercer meeting link there are four per day, and clicking the link will get you where you need to be. If you are still not convinced then please check out this Ed Mercer short video.

Who am I?

Yours Truly
Steven Ciantro
Consumer Advocate
american debt enders
TalkShoe Radio Host
Member National Association of Certified Credit Counselors
Debt Expert for Gail Kasper's Top 1 percent Club
Gail Kasper's Top 1 percent Club
877-766-2465

 

 

 

 

 

 

 

 

 

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Free Cell Phones vs. Self Empowerment

Don't Drop The Gold To Pick Up The Silver

Shopping For Debt Help By The Numbers

Maybe You Need Credit Counseling More Than You Realize?

OK, so the question is why do consumers wait until they
are up against it to seek out absolutely free counseling
regarding debt issues or any other issue? I am not saying that I have the answer.
I really think that it is just human nature that makes us all seek help
only when the pain gets to be to much. Myself included. So it’s
just a part of the human condition. I always like to share my
motivations for my articles. This one was inspired by an article
I read on Linked in written by Lori Regenstreich, who discovered
an original article from the New York Times written by Jessica Silver Greenberg
entitled “In Prosecutors, Debt Collectors Find A Partner”.

Essentially, the article reveals a rather nefarious partnership, and I use the
word partnership loosely, in which Prosecutors allow private debt collectors to send out letters on their letterhead threatening prosecutorial action unless the
consumer makes good on the debt, usually a bounced check.
Not only do the debt collectors ask the consumer to make good,
but they are also adding on usurious fees. Just imagine if you had
a business and were able to collect your accounts receivable this way.

Quoted from the article “Prosecutors say that the partnerships allow
them to focus on more serious crimes, and that the letters are sent only
to check writers who ignore merchants’ demands for payment.”

Does this remind you of the Southern sheriff from the movies, or what?

So here is the moral of this article. Can a credit counselor help you
with every debt situation? No. But a credit counselor probably can help you
if your situation is the result of to much debt and not enough money, which
often causes a snowball effect because of the denal problem spoken about earlier.

A good debt settlement program or consolidation program, not to mention
an online budgeting course can go a very
long way to easing the debt burden early on, before the legal issues
begin.

If you would like to subscribe to this newsleter simply visit:
Free Credit Counseling Newsletter and leave your email address.
We never share information

Hope you enjoyed this article, feel free to comment, or contact me:

Yours Truly
Steven Ciantro
Consumer Advocate
American Debt Enders
Certified Credit Counselor
TalkShoe Radio Host
Member National Association of Certified Credit Counselors
Debt Expert for Gail Kasper's Top 1% Club
Gail Kasper's Top 1% Club 
877-766-2465

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Overcome The “Not Invented Here” Syndrome by Gail Kasper, Author, Television Host, Certified Fitness Trainer, and Motivational Speaker

From the author of this blog: This article may be the most life changing free counseling advice you will ever receive.

Are you familiar with NIH, the “not invented here” syndrome? Perhaps it’s rampant at your place of work. In essence, it’s a persistent culture of avoiding new technology, services, ideas, systems or methods unless they come from within. It’s a form of mistrust and even elitism. Unless you or your particular group developed it, you and your group want no part of it.

In case you weren’t aware, the evolution of my life and in my training to others, was because of the opposite. I firmly preach that you must see outside information, whether you are a company or a person. In my autobiography, Another Day Without A Cage: My Breakthrough From Self-Imprisonment To Total Empowerment, I take my life from helplessness to total empowerment because I seek outside input and stretch myself to uncover the unknown, despite fear.

Unfortunately, this ‘not invented here’ attitude exists and can lead to much inefficiency at work. I mean, why re-invent the wheel when it already exists and works just fine? Avoiding a concept or tool or procedure just because it “wasn’t invented here” stems from all the wrong ideas, from being suspicious of outside influences to being unwilling to value the work of others. It leads to an uncooperative, wasteful and even disorganized working environment – certainly not conducive for getting things done.

Here’s how to overcome this crippling mentality:

1.    Evaluate the product, system, tool or idea on its own merit, regardless of where it came from or who developed it. If it’s useful to you or your department, if it saves time, money or resources, if it’s brilliant, then put aside your concerns and use it.

2.    Determine how it will make your job easier or make you perform better. Does this method or technology help you do your job better? Does it benefit you? Can it potentially help you produce better work in less time? If the answer to any of these is “yes,” then apply the product or service even if it comes from an external group.

3.    Leave your ego at the door. Just because you didn’t come up with the idea doesn’t mean it has no value. Put your ego aside and determine the concept’s value logically, without letting your emotions get in the way.

4.    Keep an open mind. People tend to resist what’s unfamiliar, yet we often benefit when we’re open to trying something different. By keeping an open mind, you’ll be more likely to see the benefits of trying something that was “Not Invented Here.”


For More Information 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.

---------------------------------------------

Top 1% Club Expert. I have recently partnered with the Top 1% Club where I am featured as an expert. Not only will you be able to view additional articles from me, but you will also have the opportunity to learn from the 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.

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Free Cell Phones vs. Self Empowerment

Don’t Drop The Gold To Pick Up The Silver

 

Perhaps you are a regular reader and have noticed a slight change in tone and topic of these last few articles. It just seemed time, considering the economy to write about more than the usual. To many people do not even have the money to enter a structued program. So my hope is to let each article stand on its own merit. I will never lead you down a bad or negative path.

I was speaking with an individual the other day because she
filled out the same form contained at the bottom of this article. What was the form about? It was about the opportunity expressed in this
Wall Street Journal Press release.
The press release talks about an individual who is one of the worlds 1200 certified billionaires, Ed Mercer and how he is looking to break his 5th Guinness Book of World Records, by mentoring at least 100 people  to learn to become millionaires.
There will be a TV show after he does it, etc. In other words a big deal.

The young lady who filled out the form expressing interest, proceeded to tell me that she was on disability. I asked if she could use a telephone, she said yes. She wanted to know if there was a cost involved, because she had just invested 250.00 dollars into a gifting program. I asked if it was successful or not, to which she did not answer. She asked if this opportunity required money? I said, you mean like the gifting program? No answer.
 I Invited her to the meeting, where she would get all her questions answered. I explained that the meetings were in conference rooms with Ed Mercer and the principles
of a company called Veretekk, 15 years in the making, as the worlds greatest symbiotic marketing company and a community of individuals,
Just like her, who were committed to helping each other succeed. The meeting would last 55 minutes, and she would learn everything she needed to know, she was on disability, at the very least, it would give her something constructive to do.

So lets see. She was more than willing to invest 250.00 dollars into
a gifting program known to be less than above board. Filled out the form expressing an interest in attending an absolutely free meeting with no strings, and then ended the conversation by saying it was not for her.

Did she mean success was not for her? A real opportunity was not for her? I have no idea. Not my place to try and sell her anything. But this is a prime example of dropping the gold to hold onto the silver that was not even real silver.

I am a credit counselor and run into this same mindset with many of the consumers i speak with. If they get out of debt, they can become self empowered, and change their lives. Oh, did I mention my counseling is absolutely free. Yet strangely, at the last minute the idea of change holds them back, and they decide not to move ahead.

I grew up with this mentality, whatever it’s called it holds people back from success, and for some reason, thank God, I always rejected it.  Well, if this article made any sense to you and financially, you are struggling, and would like to change that. Only  you can change that.

I am inviting you to the same meeting:
100 Millionaires Meeting

The link will give you all the information you need.

I would also like to invite you to subscribe to our  Free credit counseling Newsletter. It is absolutely free  and you might find it to be some of the best reading you have ever done.


Yours Truly
Steven Ciantro
Consumer Advocate
American Debt Enders
Certified Credit Counselor
TalkShoe Radio Host
Member National Association of Certified Credit Counselors
Debt Expert for Gail Kasper's Top 1% Club
Gail Kasper's Top 1% Club 
877-766-2465

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Ed Mercer-The Billionaire Wants To Mentor You!

Free Cell Phones vs. Self Empowerment

The Guinness book of world records: The biggest biceps, the sharpest Mohican and a two-feet tall lady

Free Cell Phones vs. Self Empowerment

So, I have an 800#, and work 15 hours per day. It took six years to be able to get to this point So here is the point. We probably receive 10 calls
per day from people looking for the FREE (not really) cell phone. Has anyone told you that the rest of us who pay for their cell phones are paying for the giveaway phones?

 Oh, please don't tell me you thought that the government was paying for
them. Where exactly do you think the government gets its money?
Taxes, and in this case, it's a tax on everyone who pays for their own
cell phone, yes it is in your cell phone bill. And, it is well over one billion
dollars per year, and growing. Check out: http://www.fortliberty.org/the-government-handing-out-free-cell-phones-and-youre-paying-for-it.html

 I am all in favor of giving individuals a hand up, when they desperately
need it. But the only people who qualify for the cell phones are those who are already receiving some form of public assistance. What's that? You can't tell that from the commercials? Of course you can't. Our benevolent government officials would rather you were not aware.

 Their was a time when my wife and I did not have two nickels to rub together. You can read our story at: www.americandebtenders.com/about.html. It
provided us the motivation to work harder and make this free credit
counseling company work. And our counseling is really free.

 We are blessed to live in a nation where anything is still possible, if you are willing to work hard. ADE was started because we had to work
out of a serious debt problem, and we took starting the company as a calling. Not only do we help get people out of debt, the company recently
released two press releases which explain that we were branching out to
help people interested in actually earning money.

 We are doing this as members of a 15 year old internet marketing
company called http:americandebtenders.veretekk.com which was used
by American Debt Enders to reach people on the internet, who needed debt help.

 By the way, you can get a free Veretekk Silver system by clicking the previous link and signing up for a free system. Well, Veretekk, has teamed up with a billionaire named Ed Mercer, who is looking to make his 5^th Guinness Book of World Records by making 100 Millionaires.

You can read the press release in the Wall Street Journal: http://www.marketwatch.com/story/billionaire-edward-r-mercer-announces-program-to-set-a-new-guinness-world-record-by-helping-100-people-become-millionaires-2012-08-30

 The really good news, is that if you are reading this and really want to
change your life for the better, and truly seek self empowerment so you
can be a true care giver, then watch this video: http://www.americandebtenders.go4millionsclub.com
and if you are really interested, just fill out the form.

 Please do not misunderstand me. I spend every waking moment
helping people buried in debt. I am in no position to judge anyone.
I can only be true to my God given calling and do my best to be helpful.

 If you would like to subscribe to the highly acclaimed Free Credit Counseling Newsletter, just visit: http://freecreditcounselingblog.typepad.com/creditcounseling/
and leave your email address. We will never share your information.

Yours Truly

Steven Ciantro
Consumer Advocate
American Debt Enders
Certified Credit Counselor
TalkShoe Radio Host
Member National Association of Certified Credit Counselors
Debt Expert for Gail Kasper's Top 1% Club
Gail Kasper's Top 1% Club 
877-766-2465

 

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No One Can Tell Me No But Me!

What Does Free Credit Counseling Have To Do With A Billionaire?

At American Debt Enders, we believe that debt freedom no matter how
it is attained equals self empowerment. We also believe that debt relief
alone is not quite the entire story. What about after debt relief, you started focusing on prosperity? Or, are you one of those people who is content to simply sit back and proclaim how badly the world is treating you.

 I am sorry. The world does not owe, you or I anything. If you are ready
to improve your financial picture and are not afraid of hard work. Even if you are in debt. There is nothing better than resolving a debt problem by making more money. Recently, American Debt Enders put out a press release saying it was adding to its services opportunities to actually make more money.

 So, that means that in addition to offering debt settlement, debt management, credit restoration and help consolidating our student loans, We also have a spectacular home business opportunity.

 So, if you are interested in getting creditor debt help, and also interested in a separate home business pre launch opportunity, just watch this video:Go For Millions.

 This opportunity is real, just read about here in the wall street journal: 

Yours Truly

Steven Ciantro
Consumer Advocate
American Debt Enders
Certified Credit Counselor
TalkShoe Radio Host
Member National Association of Certified Credit Counselors
Debt Expert for Gail Kasper's Top 1% Club
Gail Kasper's Top 1% Club 
877-766-2465

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Fit Fun Into Your Personal Time To Maximize Your Success by Gail Kasper, Author, Television Host, Certified Fitness Trainer, and Motivational Speaker

To be successful in your chosen profession or with a particular goal, you need to be tenacious, determined and committed to being a winner. You also have to be willing to roll up your sleeves and work hard. Don’t forget, though, that you need to take breaks as well. You must fit a measure of fun into your personal time in order to relax, relieve stress, and distract your mind. All work and no fun is no good. By adding a healthy sprinkling of just-for-fun activities into your daily life, you give yourself a break, which just might provide the shortcut to success you’ve been searching for.

 In my book Unstoppable: 6 Easy Steps To Achieve Your Goals, I devote a chapter to escaping crisis immobilization. One of the points I emphasize is the importance of balancing out each day with fun in addition to doing the practical and goal-oriented tasks. Scheduling in fun boosts your energy level, and higher levels of positive energy facilitate a successful outlook.

 What you choose to do for fun is up to you. Here are ideas to get you started:

 1. Invite a friend or loved one to go for a walk with you at your favorite park or nature area.

2. Read a chapter from a work of fiction you enjoy or from a motivational book.

3. Spend 15 minutes on the phone with someone who makes you laugh.

4. Sign up for a class you’ve wanted to take just for the joy of it.

5. Engage in physical activity that’s good for your body and that you find 
    fun, such as swimming, cycling, hiking, sailing, gardening or dancing.

6. Spend half an hour on a hobby you enjoy.

7. Attend a social function that appeals to you.

8. Prepare yourself a meal that’s nutritious, delicious, and fun to make.

9. Listen to music you enjoy, such as tunes that help you relax or songs
    that make you get up and dance.

10.Spend quality time with a cuddly animal friend.

 With my new fitness routines, I also encourage people to add a healthy workout into your daily breaks. Click here to boost your endorphin level and burn calories at the same time. Which items on this list appeal to you the most? What else can you add to the list? Be sure to personalize your list with activities you consider fun. Then, take action. Incorporate at least one fun activity into your personal time every day for a well-balanced, effective approach to success.

 

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

Top 1% Club Expert. I have recently partnered with the Top 1% Club where I am featured as an expert. Not only will you be able to view additional articles from me, but you will also have the opportunity to learn from the 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. 

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Is Acting As Your Own Debt Settlement Program Smart

Are You Desperate Enough To Deal With Your Debt? Or, Subpoenas and Debt Settlement Do Not A Marriage Make

In the early stages of the debt problem you simply hope it will go away. Yes, the collector phone calls are annoying, but soon you learn to screen them, the drop in your credit score is not yet significant enough to be a bother as you have no big expenditures planned.

Soon enough just like ignoring the symptoms of any disease it begins to worsen, until finally it is disturbing enough to address. Usually by the time it is addressed, the process server has showed up with a subpoena in hand. Once a subpoena is served on a debt, that particular debt is no longer eligible to be placed in an FTC compliant debt settlement program.,

Lets see why The FTC has mandated that fees only be charged to consumers upon completion of a settlement Once the collector has served you with a subpoena it is much more difficult to settle with them and no attorney wants to spend time in court and not be sure they are getting paid. I cannot tell you the number of times I have received phone calls from concerned consumers, who not only want me to explain to them how to answer the subpoena, but are still not ready to do the right thing, and get the debts settled even if they are in financial position to do so, further extending their own dysfunction.

If you see your debts going into collection don't be embarrassed just find out how to get into a good settlement program, and start living real life again.

If you need FREE Credit Counseling please for your own sake contact us. There is never any charge for the advice.

This information is not intended to be a sales pitch but we can help you with, unsecured debt, bankruptcy, student loan debt, and credit restoration., all without you even leaving your house.

Yours Truly
Steven Ciantro
Consumer Advocate
American Debt Enders
Certified Credit Counselor
TalkShoe Radio Host
Member National Association of Certified Credit Counselors
Debt Expert for Gail Kasper's Top 1% Club
Gail Kasper's Top 1% Club
877-766-2465

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