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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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@ Debt Settlement Georgia

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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What Is Scrubbing And What Does It Have To Do With A Debt Settlement Program?

  Yes, scrubbing is a real term in the settlement industry, and a process that is invaluable to consumers who are enrolled in an effective Debt Settlement Program. It is a process that has been worked out by both settlement programs and effective collection firms which are trying to work in the most efficient manner possible of  finding consumers ready to settle their debts.

 So, are there advantages to list scrubbing? And, if so, what might they be to you the consumer? There are definitely advantages, because it takes out of the equation the adversarial aspect of debt settlement. How so? Here is a simplified excplanation. The debt collector has purchased as a debt buyer, a large amount of debt from a particular creditor. Lets say that creditor XY credit card company has old debt which the consumer has not made payments on in 8 months. So the debt collector approaches the creditor to purchase the debt at a discount of lets say 25%. So, the collector is willing to pay 750.00 dollars for every 1000.00 dollars of debt.

 Why would the bank or original debt holder be willing to sell the debt for less than its face value? Yes, excellent question, please allow me to answer. The bank or original creditor is not able to keep a non performing asset on its books forever. Remember when the banking system almost collapsed? This was one of the problems. Consumers were beginning to default on assets like mortgages, and no one knew about it, or if they did, they had no way to figure out, what the degree of the default was. So, now financial institutions must remove the debt from their books so everyone is clear just what the real value of the stated assets are. The debt buyer is looking to make a profit, nothing more and nothing less. The settlement company is looking to protect its client and get the debt settled for them, the original creditor is looking to get the non performing debt off of its books, so here is why everyone wins. The bank first sells the debt to the collector, then they collect on an insurance policy protecting them from defaults, and claim the difference between the sale amount and the insurance proceeds as a loss on their tax return for that year. The debt buyer or collection company gets an asset they can settle on for a profit, and the consumer gets their needed settlement for less than what they owe, and the debt settlement company looks like the heroes. Avoiding endless litigation, along with the famous debt validation defense. Everybody wins.

 I can tell you firsthand that we receive a large number of calls asking if we can provide companies that are willing to scrub there client list on a monthly basis, in the hopes of getting things resolved.

 I do hope you have enjoyed this article, do fee free to comment, and if you are not presently a subscriber please feel free to visit: Free Credit counseling newsletter, and simply leave your email address. We never share your information.

 If you would like to speak personally to me about your debt issue, feel free to call or email me using the contact information below.

 

 Yours Truly

Steven Ciantro
Consumer Advocate
American Debt Enders
[email protected]
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
Gail Kasper's Top 1% Club
Linkedin Profile
Author #1 Ranked Debt Relief Newsletter
877-766-2465

 

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Who Should Never Enter A Debt Settlement Program And Why?

 Here is how the credit counseling call goes. I would like a quote for 80,000.00 dollars of debt for debt settlement, a two or three year program, I am doing a little shopping. Shopping? Is that like buying food in a grocery store? Or, new clothes? Of course I am being sarcastic. Because after ten years of being a credit counselor, people who are in desperate shape with their creditors, never begin a conversation that way.

 So my first question is what type of debt and how far behind are you? The answer is, no, I am not behind I just do not want to pay back all the money. The first problem here is that he is really asking me to be his accomplice and help him not pay his creditors, when in fact, he is able to.

The second problem is that no hardship exists. Part of the enrollment process in any debt settlement program is to provide a narrative of the hardship and why the consumer must take the drastic step of a settlement program, instead of maybe a debt management program which is far less damaging to the consumer.

 The reason for the hardship narrative, which the debt collector will attempt to verify by pulling the consumers credit report to see if it holds true, if it does than the collector will be more cooperative in providing a lower and easier settlement. If the collector does not believe the narrative and thinks there are funds or assets that really exist, than they will be far less inclined to cooperate, and do everything to try and maximize the settlement, including, litigation. I am guessing that at this point you see the problem, when someone is just trying to get out of paying their debt for no good reason.

 I can assure you that there are plenty of counselors who would happily enroll this person, but not this one. I would attempt to place the consumer in a debt management program, but, not lie for them. In this scenario, nothing good will happen. The settlement program will be difficult for the settlement attorney to pull off, and in the end the consumer will not be happy.

 If you enjoyed this article, please feel free to get a FREE subscription to our newsletter feed by visiting free credit counseling.

 If you need debt help of any kind, by all means contact me using the information below, the talking is always free.

 

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
Gail Kasper's Top 1% Club
Linkedin Profile
Author #1 Ranked Debt Relief Newsletter
877-766-2465
[email protected]

 

 

 

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Reputable Research Shows Most Americans Under Significant Financial Stress—So What Are The Solutions?

 Recent research conducted by Employee Benefit News, which can be found here:
The Employee Benefits News points to the fact that the majority of Americans are under significant financial stress. It is very important to point out that they are not talking about consumer confidence, they are talking about peoples inability to make ends meet.

 If you were able to pay all your bills 4 years ago, and were supplementing your income with occasional credit card use, here and there, then by now you are probably one of the many trying to figure out why you are no longer able to meet your financial obligations, even using credit cards.

 Those seeking credit counseling are all using the same words to describe their situation. Words like, I just don’t understand how I got into this debt situation? Well, I can tell you exactly why, and most likely it really has nothing to do with you. One of the causes is the policy of the Federal Reserve to simply keep printing money and dumping into the US economy in droves. They are printing so much money that the government has stopped publishing the M1 money supply. That is exactly how much money is in circulation at any given time. They do not want to freak you out, is the only way to say it.

 All this printing has led to a devaluation of our currency which is backed by nothing. In other words the dollars you do have simply buy less. Couple this with rising prices, and no raises from the company you work for, this is all part of the new economy, and big trouble is here.

 The solution. There are basically two solutions to this problem. One, you must get rid of your debt, and now. You can do this through a debt management program or debt settlement program. Frankly, if you are missing debt payments, you are better off looking into a settlement program, because it takes into account your loss of buying power.

 The other solution. To make more money. How you ask. I have written about the fact that American Debt Enders has signed onto Billionaire Ed Mercers self empowerment project. Years in the making, it is designed to allow anyone with a good work ethic to change their financial life by working from home. You can listen to Ed Mercer himself explain it by visiting: Ed Mercer Opportunitity

 This project does not require any special skills or training to succeed at. Additionally, you will be personally mentored by Ed himself, and his team to success. If this is something you think you may be interested in, please feel free to contact me using the contact information below. I will be happy to speak to you about debt or Ed’s program, and if you like I will even put you on the phone with Ed himself, no recording, and have him explain this opportunity.

 If you enjoyed this article please subscribe to our Newsletter at www.freecreditcounselingblog.com and simply leaving your email address.

 FREE Counseling numbers below.

 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 Inc.FREE  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
Gail Kasper's Top 1% Club
Linkedin Profile
Author #1 Ranked Debt Relief Newsletter
877-766-2465

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American Debt Enders Says "Easy Fix For Your Federal Student Loan Problem"

 Federal student loan debt is pushing one trillion dollars nationally. If you are not currently drowning in your student loan debt this may not be meaningful to you, but it does effect you because it drags the entire economy. If you are having trouble managing your student loans then by all means read on, because we have the answer for you.

 The Dep’t of Education through which all Federal Student Loans are now handled, has put together many different relief options beyond the deferment solution which is only putting the problem off. American Debt Enders is now in a position with a simple one page application, which can be downloaded at: consolidate my student loans, to provide you with an accurate quote with what can be done to provide relief for your student loans.

 Additionally, if you have private student loans which are now in collection, we can also help with those in a debt settlement program. So why should you take action? Because student loans have no other solution except to pay them. You cannot file bankruptcy for federal or private student loans, you simply cannot escape them due to the way in which the laws are written. It doesn’t matter if you found that dream job after that one hundred thousand dollar education or not. If you default, you will wind up having your wages garnished, and liens put on anything you own. This is crazy, when it simply does not have to be.

 So please, I urge you. Save yourself from the madness, and contact us for immediate help and student loan relief.

The ADE FREE Debt Help 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. Free 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
Gail Kasper's Top 1% Club
Linkedin Profile
Author #1 Ranked Debt Relief Newsletter
877-766-2465

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American Debt Enders Says About Debt “Take Action Before You Have To!”

Ok I admit it, in my own life I have not always followed this creed, which is how I actually became a serious credit counselor. Yes, I am not afraid to share with you that 15 years ago I went through my own debt crises, and dragged my family with me. Trust me when I tell you that my crises was very big, because I was quite successful at the time. You can read it on the About ADE page of our extensive website. After all, you should know who is helping you resolve your debt problems.

 Millions of Americans today more than ever before are being forced to alter their lifestyles because they are beginning to realize that their buying power is slipping away. So what does it mean to take action before you have to?

 Over the past 4 years if you earn about fifty thousand dollars annually, then each year you have lost one thousand dollars of spending power. I am afraid the National debt does have consequences. So, if you are wondering why it has gotten so hard to pay your bills, you now know why.To many dollars in circulation is another reason, as the federal reserve is on a printing spree.

 I speak to middle class people every day who tell me they have sunken into debt because they have been supplementing their income with credit cards because they have not been getting raises. Yes, corporations have been operating with fewer people and they know those people need their jobs.

 Take heart my friend, for there is an answer to this problem. Before the crises hits, take a look at your finances and if you know you have that sinking feeling, you can do something to get debt help. Dave Ramsey espouses using the debt snowball approach. That’s fine, but will not work for everyone. I prefer more options, because simply stated we are all different, and debt issues are just as different as we are. Today, debt relief has become high tech and very regulated. For example, we can offer debt management programs to pay back in full and save thousands in interest, while preserving credit. Or, need lower payments, let us provide a quote for the best debt settlement program in the country. Perhaps you are one of the millions oppressed by student loan debt and need help with them.

Why not let us provide a free no obligation quote on what consolidating  your student loan debt will do for you. We can send you a simple one page application to provide at no cost all the options for repayment through the Department of education, and there are many.  How about a higher credit score, yes we can provide you with a consultation with a credit specialist to see what can be done exactly to raise that score. And believe me, things can be done that are quite legal.

 Or, if you just need free debt help advice, also known as credit counseling, simply give us a call. We promise we will only try to help.

 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 Inc.FREE  Credit Report Review

 

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 
Linkedin Profile

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Bill to Amend FDCPA for Attorneys Introduced in U.S. House (Bad News For Consumers In Debt)

Bill to Amend FDCPA for Attorneys Introduced in U.S. House (Bad News For Consumers In Debt)

 

  Inside Arm the newsletter for the debt collection industry recently reported that a revision to the Fair Debt Collection Practices Act was introduced into congress. Introduced by North Carolina Republican Walter Jones, Jr. a republican no less, as  H.R.6706 — the Fair Debt Collection Practices Technical Correction Act of 2012 –was introduced on December 27, 2012. Since Mr. Jones was just reelected, and it is too late to vote on he bill for the outgoing congress of 2012, no doubt he has plenty of time to re introduce it in 2013.

 This bill, in my humble opinion, is really bad news for consumers. Here is why in a nutshell. It completely re defines use of the word debt collector. Previously, only original creditors were exempted from the consumer protective provisions of this act. Meaning, they could freely call you, and harass you, and were also exempt from all its other provisions. This bill however, will treat Attorneys and their firms when acting as debt collectors to be treated just like the original creditor.  That means the tactics of debt validation, constant calls are now on there side, and would no longer offer protections to the consumer.

Here is the exact redefining language:

The term (debt collector) does not include –

(F) any law firm or licensed attorney–

(i) serving, filing, or conveying formal legal pleadings, discovery requests, or other documents pursuant to the applicable rules of civil procedure; or

(ii) communicating in, or at the direction of, a court of law or in depositions or settlement conferences, in connection with a pending legal action to collect a debt on behalf of a client; and…

 This is good news for debt settlement programs offered by legitimate law firms, who will be the only ones left standing t offer the necessary protections to any consumer suffering serious debt problems. And that will be many more consumers as our dollar continues to lose buying power. The full text of this article can be viewed here: http://www.insidearm.com/daily/collection-laws-regulations/collection-laws-and-regulations/bill-to-amend-fdcpa-for-attorneys-introduced-in-u-s-house/?utm_source=WhatCountsEmail&utm_medium=2012%20Insider%20Daily%20and%20Weekender&utm_campaign=ARM%20insider%20-%201-3-13&_wcsid=0F13D47E3C6910F6CB50A88E434C7C1BD3D7CA1904B4C94B38801CF9AE393D2B

 So, if you are dealing with a debt problem, and going forward think you can slow things down by asking for debt validation, ad filing suits for creditor harassment, let this be a word to the wise.

 The ADE FREE Debt Help 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
[email protected]
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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The End Of A Debt Settlement Program Is A New Beginning

 The quality of debt settlement in the past two years or so has been dramatically improved. Thanks to stringent new regulations put in place by the FTC. The bad actors basically gone, and settlement actually evolving into almost a mechanized science, there is really no reason why a consumer in financial trouble cannot reasonably choose this option to deal with their debt.

 Of course, it is perfectly understandable for a consumer, even after due diligence, to begin such a program with some level of concern. I think it is called fear of the unknown.

 The consumer has been most likely dealing with endless phone calls each day from less than friendly voices being driven crazy. Couple that with the fact that survival has become difficult because the consumers situation has somehow changed, and there is simply not enough money to live out each month any longer. And, because things have so badly fallen behind the credit score has dropped, so there is no way out of an emergency except through predatory pay day loan lenders.

 When the debt settlement option comes along and all of a sudden that same consumer has an ally in the battle coupled with professional guidance and someone, preferably a good settlement attorney who is part of a bigger program, they begin to breathe again. When the program begins and they see that they are constantly contacted by a service representative or paralegal who is at there service to help with anything that comes up, the anxiety level begins to be lowered and as the first actual settlement occurs it lowers completely and the consumer can visualize an end in sight.

 Yes, that end is a new beginning. Credit will now improve through a good credit restoration program. The onset of living a debt free life once again. The ability to think about a future both for the consumer and everyone else involved. Now, with proper guidance and budgeting the consumer smarter for the experience can move forward to a better life.

 I do not think any further comments are necessary.

Feel free to contact me, if you need debt help.

 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 
Linkedin Profile
Author #1 Ranked Debt Relief Newsletter
877-766-2465

 

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The Debt Problem In The US Is Caused By The Fact That We No Longer Have Enough Lemonade Stands!

 No doubt this article will date me. Do you remember growing up, I grew up in Brooklyn, and having your own business at the age of 10 or so? I do, and very well. It was a lemonade business. And I did my first one as a partnership with another like minded young entrepreneur.

 Of course, who has money to invest at that young age but a very few. So we went out and scouted a good location, which was right across the street from a construction location. Lots of thirsty workers at that location that summer. I think we might have even interviewed some of the workers and asked if they would buy our lemonade.

 So, we spoke to the parents to try to obtain some seed money to get this venture going. While the parents did not have a great deal of business savvy, they were smrt enough not to saddle us with heavy regulations. We were successful at presenting our business plan, and each of us got enough money to purchase the raw product, and the parents donated a big jug or two  from which to dispense the lemonade. We made signs, bought paper cups, and really had a well thought out operation.

 Was the venture successful? You bet it was. We could not believe how much money we were making. The company lasted about two weeks, then we paid back the parents, and split the profits. Glorious indeed,and what an outstanding education. And we noticed that the venture really made us feel good about ourselves.

 Please indulge me, and lets fast forward to today. The young people start a lemonade stand and the police show up asking for permits. No permits, no lemonade stand. Couple that with the fact that you rarely even see young people selling lemonade any more. The following is simply an innocent question,do you think President Obama ever owned a lemonade stand? I wonder how many from either party ever had a lemonade stand business experience? When I say business experience, I am not speaking about living on a trust fund set up by mommy and daddy. I am speaking about real in the trenches stuff. Are you getting the picture here? We have been sold a bill of goods, micro economics, macro economics, how about these common sense economics. If you spend more than you take in, not talking about the early days of a business venture, you will go bankrupt. If the treasury continues to print money into circulation at to fast a rate, we, as a country will go bankrupt, the money you make will be worth less and less. That is actually what real inflation is. It is not prices going up, it is the value of your money going down, which is exactly what is happening. So, what can you as an individual do to protect yourself. You can make more money, that’s number one, or you can insure you get yourself debt free. Just visit the American Debt Enders website, we can help you do both.

 If you would like to subscribe to this free  newsletter, simply visit: www.freecreditcounselingblog.com

 If you would like to know more about how to settle your debts for less, or any other type of structured debt relief program simply call us, or visit the website. The counseling is always free.

 The ADE Debt Relief Phone Numbers

Free Credit Counseling---         877-766-2465  

Student Loan Consolidation---855-794-3425

Free Ch 7 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
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