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For A Free No Pressure Consultation about your Debt Relief Options,
CALL: 877-766-2465 or Email us at:
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Featured Debt Experts of Gail Kaspers www.top1percentclub.com
Dear reader, of late American Debt Enders has received a number of inquiries from consumers looking to obtain a Debt Consolidation Loan to relieve their personal cash flow problem. As a result we have responded to meet this need. We have set up a website which contains over forty lenders, all of whom have been peer reviewed. That means that you the consumer have shared your experiences in dealing with each of them.
This resource is absolutely free to use. I will give you the link here: Get A Consolidation Loan. Before you click on it, here is some guidance to help you. After you get to the site, look in the left hand column and enter your FICO score, or credit score. This will present you with a list of lenders who will lend to you at your credit score. Now, you can check the reviews on each one, and look to see who might be the best to approach for the amount of money you want, and who will provide you with the best interest rate.
You can then apply right on the site, without leaving your home, to see who will provide you with the best terms. Please do not get crazy and think of this as free money. Using this type of loan to resolve a debt issue can be risky a blessing or a curse. We want to keep things on the blessing side. Make absolutely certain that your new monthly payment will be affordable to you, and is at a lower interest rate than the interest rate of the money you are paying back. Make sure you do pay back the money you owe, in other words this is not money from a windfall, although it can feel that way.
If you have gone this route in the past and it has not worked out, then you need to call American Debt Enders and we will help you get back on the right track. Best of luck to you.
This is part one of a two part article explaining exactly what debt invalidation is. The above question is a popular inquiry on Google and all other search engines. So time to really delve into it. Their may be some variations on each companies approach, but overall this article will provide you with a thorough understanding about this process which is becoming more popular. First, what it is not. It is not illegal, it is not a scam, it is not immoral, it is not Debt Settlement, or Bankruptcy. Secondly, the company you hire to represent you and your interest does not have to be a law firm, although it is good to have an Attorney involved in the process, or at least on standby, should one become necessary. We will cover this in more detail later on. By the way, American Debt Enders is not a law firm and does not give legal advise. For all the trouble makers on the internet, providing information and education about law, is not the practice of law.
Despite what most consumers believe, one does not have to have a BAR card to be an authorized representative for another person. Contrary to popular belief, there are no laws against appointing a personal authorized representative to present your interests in a claim or dispute. It would be against all American equitable principals to create laws that would prevent a free man or woman from appointing an authorized representative, or agent, to act on their behalf. Other terms for a personal authorized representative may include, power of attorney, trustee, executor and agent to name a few. Sorry lawyers.
Next Item. Why Dispute A Debt? A debt should be disputed to make a debt collector prove they have the right to collect on a particular alleged debt. Their is absolutely nothing illegal or immoral about doing this. It is the law that makes it possible. For clarification, I do not and would never recommend using this method to avoid a debt you know is valid and that you really owe and can afford to pay.
When a debt collector sends a notice of a debt owed to a consumer they are making a claim against that consumer. Note:(this article is based on researching the debt dispute program as laid out by Infinity Consumer Services, which contains some unique elements.) When you the consumer dispute the debt you are making a counterclaim, the claim and counterclaim create a commercial record of both. right at the outset of the dispute. The following information must appear on all notices for collection sent to a consumer. “…unless you dispute this debt within 30 days of receipt of this letter, we’ll assume the debt is valid.” Please notice the word Assume. If all debts were valid without assumption than their would be no need for any laws governing the rules for dispute.
Please do take the time to read part two of this a article, and if you are interested in enrolling in this powerful debt relief program, feel free to call. 877-766-2465.
American Debt Enders offers one of the best Pay Day Loan help programs available anywhere. First, it is a non profit program, and as such is a non adversarial program. What does that mean exactly? It means that the Pay Day loan lenders cooperate with the program and will stop liens and garnishments from happening and generally stop the high interest bleeding. In case you are not aware, the interest you agreed to pay on these easy money loans is upwards of 350% per year! Ouch! This is the reason you get into trouble with them. We can take care of the interest and help you pay back the debt in affordable monthly payments.
This will eliminate the high blood pressure type debt stress that keeps you awake at night.
The advice and free credit counseling is absolutely free.
Well, I am going to start this article which will definitely educate you, by republishing the following excerpt The following article excerpt comes from Credit Shield: Discover Bank Sues On Debt it Does Not Own. Who has experience determining ownership of accounts? I'm still looking for info on who has seen proof of ownership from Discover, proof of untruth of their affidavits. See this article: Discover Bank Sues On Debt it Does Not Own February 16th, 2010 . by wcbensley, an Attorney. For a bank to sue someone to collect a debt, the bank must own the debt. Similarly, if I was going to sue you for stealing my car, I would have to prove that I owned the car. I would have to produce a copy of the Title. Seems like simple proposition. So simple, that it is often overlooked by debtors, their attorneys, and the Courts.
This cute little tactic goes on every day and is exactly why you the debtor does not have a chance against these large institutions when you default. Or, how about you simply get something placed on your credit report in error. Better still, who is even aware that this type of stuff goes on, on a regular basis, and many other violations of consumer law designed and put in place to protect you, the consumer.
Well, my friends, at last their is hope for you the beleaguered debt ridden consumer. Article after article I read on what to do about debt problems all start with contacting the creditor or lender. This assumes that they play nice. Well, whose kidding who. They do not play nice which is why you should never take them on alone if you get into trouble. Don't forget that these guys are collecting usually better than 20% interest in a 3% interest world. Do you really think that they are going to play nice?
So why the title. What comes after the ... are the words Credit Shield. What exactly is credit shield? It is a debt validation or forensic debt audit which was approved by the FTC about 5 years ago, and is designed to take on collectors and creditors who simply do not play by the rules. The Credit Shield system invokes the laws and statutes found in the Fair Debt Collection Practices Act, and 8 other laws to protect you from third party debt collectors, fraudulent debt collection practices, and violations of your rights. We work with a nationwide attorney firm for collecting money for you as well when debt collectors violate your rights by calling or continuing collection without verifying the debt. The amazing thing is that it is cheaper than even debt settlement and even more, if you can take it, it is done in about half the time of debt settlement and provides for credit restoration as the final step of the program, at no additional cost! Credit Shield is both the name of the debt relief program and the name of the company which handles the processing and holds the FTC approval. Many of the methods for invalidating a debt used by Credit Shield are proprietary. I can also tell you that this program comes with a 100% money back guarantee!
So, if you find yourself struggling with debt and a low credit score, why not get a free Credit Shield quote and have the program further explained to you. Considering the 100% money back guarantee, you have absolutely nothing to lose.
In keeping with its primary vision and purpose American Debt Enders is bringing Debt Relief to the future of Credit Counseling by getting ready to offer Click To Calldebt relief and free credit counseling to mobile users. So what is click to call? We have found that people calling for counseling just don't know where to begin. Already hurting from being oppressed by debt, of course they are seeking relief, but where to begin. Often they are faced with the dilemma of do I fill out the intake form, or do I call? If I call what do I say? Exactly what is credit counseling? is it for me?
The answer is that anyone who is feeling the effects of carrying to much unsecured debt can benefit from credit counseling. Click to call is simply a better way to connect consumers to a qualified counselor. One who is capable of analyzing their situation and then explaining the options which are not only available to them but also suitable to them. Lets be real, not every program is for everyone in debt. Or, stated another way, when it comes to debt one size definitely does not fit all.
While many debt relief companies offer only one program, this is really the equivalent of being sick and going to an emergency room which only handles broken legs. To many companies offer only one program. American Debt Enders had enjoyed great success offering a wide variety of relief programs to consumers. This is done by having counselors available who understand a wide variety of debt relief programs and then can place the consumer in the hands of a debt specialist who understands the program they are explaining fully and is capable of truly helping the individual.
By utilizing the click to call feature a consumer is immediately put in touch with a counselor who can guide them to what they need and even qualify them for a particular debt relief program. At the current time American Debt Enders offers debt consolidation, federal student loan help, private student loan help, payday loan help, a word here regarding payday loans, this program is a non profit program with very low fees and is also non-adversarial which means the consumer will not be flooded by phone calls. Additionally ADE offers debt invalidation with complete credit restoration at no additional charge, we also offer debt settlement with debt invalidation which is an extremely powerful combination, we can also help with tax problems and chapter 7 bankruptcy free consultations to see if you qualify.
This article is presented by: Gale Newell writes about the many aspects of debt and reviews top debt settlement companies.
She believes consumers should be as informed as possible when looking
into debt relief companies. On her down time, she loves going to sci-fi
conventions and listening to Eddie Money.
Perhaps you’re in debt, or
someone you know is in debt. You’re
thinking about what you might do to get out of debt and one of those solutions
it to go to a debt reliefcompany and seek professional advice. It’s a step many have taken before and more
will take in the future. But wait! Before you drive or call that debt relief
company have you checked out their credentials?
Do you have questions ready to ask them—not just about your financial
situation—but about them. What are they
going to do for you and how are they going to do it? Getting the upper hand and doing your
research before committing to a debt relief company can save you a massive
headache later, not to mention money, in the event that company isn’t all it’s
cracked up to be.
To start, you’ll want find a debt
relief agency in your area. Make a list
and look at the options. And don’t judge
them by their location. One might be in
a seedier part of town and another might be near a posh neighborhood. People are in debt everywhere.
Once you’ve found a few debt
relief agencies in your area (which might include debt settlement and
consolidation services), make a list so you can further research each
option. And when you’re looking them up,
don’t judge them by their location. One
might be located in a seedier part of town and another might be near a posh
neighborhood, but remember, people are in debt everywhere and there are plenty
of reasons so many people are in debt.
The more options you can list the better, because it will make it easier
for you as you do your research since they won’t all make the cut as you learn
about each one.
Don’t forget to reference the Better Business Bureau. Look up each one and see
what you can find. Keep in mind if you
can’t find a company listed this isn’t an immediate red flag. Not all businesses apply for the BBB’s
accreditation. If this is the case,
there a couple of things you can do. One,
you can ignore the agencies that aren’t listed.
Or, two, you can conduct an internet search and see what else you can
find. If info is sparse, then, yes, it’s
a good idea to move on to one you can find info on, whether it’s from the BBB
or an secondary internet search.
After you’ve done preliminary
research and have a well-developed idea about who you might want to go with,
it’s time to ask them questions. Now you
can drive or call them and get more in-depth info. First impression will be everything. Are they pushy? Are they looking to immediately get you
started with something (settlement, consolidation, or otherwise)? Walk away.
High pressure situations are a huge red flag. Another red flag can be upfront fees. It’s not always the case, but it can indicate
where their focus is: on your money. In
the end you want to find a business that has evidence of reliability, it could
be through the BBB or through online consumer reviews, or better yet,
both. They should be focused on helping
you, not on making money off of you.
That’s a legit business.
The answer
is a resounding yes! And why not? Those of you who follow my writings know that
I always espouse the value of remaining debt-free as a way to live your life.
After all, you only need so much money to live a comfortable lifestyle, and
living debt-free will help you get there that much faster.
What about
the ability to control your lifestyle—where you work, when you work, and
whether you truly enjoy what you do? Yes, you definitely can have control over
your lifestyle. Many of the successful people I know say they never believed it
was possible to have the lifestyle they enjoy today, but then they learned that
like anything else in life, if you envision it, nurture it, and have faith, you
can achieve it. You might have to endure some hard times along the way; this is
called paying dues.
OK, so how
do you really begin? You begin by doing. To that end, I am presenting to you
something I found in the last edition of The Penny Hoarder.
The making
money offer actually comes from usertesting.com. I calculated that by working
about one hour per day surfing websites and providing feedback, you could
realistically earn $7,500 per year. Why would anyone pay you for this? Because
web designers need to know how consumers are navigating their sites so they can
fix the flaws and optimize them for a maximum return.
If you
think you have no talent or can’t come up with an idea to make money, I suggest
starting with a home income-producing opportunity like this. Remember, if you
ever hope to get past this point, you have to actually begin. This might just
be that beginning. Once you have success, you will gain confidence and begin
thinking of other things you can do to go further. Whenever debt occurs because
of a drop in earnings, the solution should include finding a way to increase
income.
In closing,
if you have any type of debt problem, feel free to give me a call for a free
counseling session and let’s talk about it. I’m sure we can find a solution.
If you are a regular reader here, you already know that myself and American Debt Enders are the official debt experts for Gail Kaspers Top 1% Club, which is all about self empowerment of the individual, no matter what your present life circumstances are.
As soon as November
rolled around,Christmas music started playing at stores and shopping
malls across America. For some people, hearing this music is
comforting, while for others it’s annoying. It’s no secret shops
are decorating for the holidays and changing their music selections
early in the hopes of extending the end-of-year shopping season.
That’s business.
On a personal level,
however, the holidays – whichever ones you celebrate – certainly
mean much more than an excuse to shop. So this year, instead of
feeling stressed out by material expectations of the season pushed by
stores and on television, detach yourself from the commercial side
and ask yourself this one important question:
What do the
holidays mean to me?
You may want to
revisit childhood traditions and remember the magic you used to feel
this time of year. What warmed your heart the most? Was it baking and
cooking with family? Waking up to a snowy winter wonderland? Saying
prayers around the table? Spending time with special friends or
relatives you typically saw just once a year?
As we approach
Thanksgiving as well as the end-of-year holidays, we can take time to
be grateful. I know that as I look at my past, I am tremendously
grateful for the people, experiences and lessons that have shaped who
I am and brought me to this point in my life. When I went through the
process of writing my memoir, Another Day Without a Cage: My
Breakthrough From Self-Imprisonment to Total Empowerment, I had
the opportunity to revisit and give thanks for the moments in my life
that transformed me.
You can do the same
this holiday season, on a smaller scale. I’d like you to take a
moment to look at the holidays, then look at your life, and write
about meaning. Whatever you celebrate – Christmas, Hanukah,
Kwanzaa, Diwali, or another holiday – ask yourself this: Why is
this time important to me? How have holidays past shaped who I am?
How do I want to approach the holidays this year to get the most from
them? What do I want to take away from the holidays? How can I
contribute to them to make them special?
You don’t need to get sucked into the stress and mess of a holiday
season you don’t enjoy. By taking a moment to evaluate and regroup,
you can improve your attitude about the holidays. You can approach
them with a sense of delight and a heart full of gratitude. You can
make your 2012 holidays the best ever by bringing back meaning.
Focus on this, and the rest will fall into place.
What a great way to
start preparing for the new year ahead!
Want to give yourself the gift of debt freedom? Just contact us below..
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-winningAmerica's TVJobNetwork. www.gailkasper.com
Trust
me when I tell you, I am not one for New Years Resolutions. However, I am a
true believer in fresh starts. No matter how bad you think the situation may
be, no matter how badly you feel, the beauty of life is that we can always
begin again. As of the writing of this article with so many Americans in
financial stress as is clearly proven by the growth in public assistance, I am
afraid many of you have given up.
The
amount of debt you carry does not make you a bad person, however, what you
choose to do about it speaks volumes about your character. Remember the saying,
“your word is your bond”. How about the days when a handshake was all the
contract needed for two people or entities to do business together. Remember,
that as the writer of this article and newsletter about debt help, my own story
is one of growing up with nothing, making a million, then losing it all and
accumulating nothing but debt, and making a blessed recovery. I know first hand
what this does to your own emotions, and how helpless you may feel when the
debt just piles up with no resolution in site. It does not matter what the
amount of debt is either.
So
here is the deal. If you are really ready to regain your own self esteem and
feel truly better about yourself, we at American Debt Enders can and will help.
First of all, our credit counseling is free. So, if you just need guidance,
feel free to call. If you need a debt settlement program, or personal debt
management program to lower your high interest rate credit cards, we are
prepared to make you an offer you cannot refuse.
So,
if you are reading this article, or have a friend who needs debt help, and they
or you enroll in either a debt settlement program or credit card debt
consolidation program we are prepared to pay 100.00 dollars to you toward our
awesome credit restoration program to fix and raise your credit score. Why
100.00 dollars? Because it is the enrollment fee into the program that is
guaranteed to remove the negatives from your credit report. All you have to do
is make your first two payments in the debt relief program
I
cannot believe you will find a better offer or incentive anywhere. And while
you are at it, visit the ADE website and check out billionaire Ed Mercers 100 Millionaire self
empowerment project. It has the ability to change your entire life. American
Debt Enders has signed on to this project.
Feel
free to subscribe to this free credit counseling newsletter by simply visiting http://freecreditcounselingblog.typepad.com/creditcounseling/
and leaving your email address. We never share your information.
If you would like to speak to me about any
debt problem you are having,
I can be reached at the contact information below. The talking is always free.
The case for using a reputable program
to help settle your debt, is in this writers humble opinion stronger today than
ever. Before I go on, let me establish some of my personal beliefs so you know
where I am coming from. I am a Christian who did not grow up as a real
believer. At least not the type of belief system that would change a persons
life. So I would say that my moral compass is pretty strong, and I have learned
to take a very non judgmental view of people, as we all fight basically the
same battles in life. You know, “there but for the Grace of God go I”. I
believe it is of the utmost importance to always take a stance and do the right
thing by others, no matter how painful it may be to you.
So that having been said, yes, I
believe that there is a very strong case to be made for utilizing a debt settlement to relieve a debt problem and regain the ability to start over. We
all make mistakes and we all have things that befall us that are devastating
financially.
I don’t think I have to
delineate them. All of this is compounded by the fact that the banking system
in the US
has run amok. Those smaller banks that try to do the right thing often go out
of business.
Just what do I mean by run amok?
I mean 29% interest rates on credit cards in what has become a 3% interest
world, and then absolutely refusing to help the consumer when they ask for
modest payment relief due to a sudden hardship. Couple this with the fact that
in 2007, they had the Bankruptcy laws in the US changed, so as to make it
impossible for many to walk away from their debts. Again, you should now know
that I do not advocate walking away from your debts just for the sake of it,
nothing good can come into your life from that approach. But, do you see what
the intent of the banking institutions was? Clearly to trap the consumer who
was already laboring under duress. Outrageous! None of this has changed. The
banks are tougher today than they have ever been, even though they receive gobs
of money from the Federal Reserve Bank, especially at the writing of this
article.
Right now, the fractional
reserve is 10%. That means that the banks put up one dollar for every ten
dollars that they loan out. The collect insurance when you default on your
credit cards, then they sell the debt to debt collectors and claim the
difference as a loss on their tax returns. Banking just isn’t that complicated,
the system is using smoke and mirror tricks on you, and the tacking TV heads,
are in on the game.
I know, if you are reading this
you have been raised to live a moral life. You can define moral, as it is not
the point of this article. However, don’t let anyone lay a guilt trip on you
about using a sophisticated debt settlement program to get you out of a mess.
As a final note, I try to always
present the following opportunity for you to change your life. It is the most
incredible opportunity I have ever seen because all you have to do is follow
simple instructions.
All the rest has been done for
you.
If you are so inclined feel free
to watch the following opportunity video, presented by Mr Ed Mercer one of the worlds
certified Billionaires explain it to you:
I hope this article has
benefited you in some way, and please feel absolutely free to call me
personally using the contact information below. The talking is always free.
877-766-2465 
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