Free Credit Counseling

Need A Debt Consolidation Loan?

      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.

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

American Debt Enders Pay Day Loan Consolidation

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.

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

 

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

Pay Day Loan Help------877-766-2465

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Not Bankruptcy, Not Debt Settlement But .....

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.

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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Imagine

No, not the John Lennon song (I never agreed with the premise, but as a songwriter myself, I did like the melody). If all you do is read this article and feel good for a moment, I won’t have accomplished my goal. Every day, I listen to people describe their debt situations in order to allow me to help them, and make no mistake, I count it a privilege to help them.

You see, I have been through my own debt struggles, and I have yet to meet anyone whose financial problems were as bad and complicated as my own. I’m not ashamed to say this. It is the reason I work so many hours each day one-on-one with people who are hurting financially. You see, there is no such thing as only hurting financially. Financial problems are like an ill-fitting pair of shoes: the problem affects your whole body. To take the analogy further, financial oppression day after day affects your entire outlook on life.

Remember, I’ve been there. If you can relate to anything I’ve said so far, then just imagine. Imagine that, as you begin another day, you realize that you have the resources to pay your housing, clothing, and food bills with no real struggle involved, and the only time the phone rings is when a friend is calling. I’m not being cute. Would it affect your outlook? Perhaps put a little spring in your step? Yes, it would. But I hope it would also do something far greater—perhaps remove the focus on yourself (pain will do that), and help you begin to realize that the numbers of people living in pain each day are overwhelming. Perhaps, if you could get your own financial house in order and relieve the stress, you could begin to realize what a contribution you could make to those you meet each day.

So, what is it that causes inaction by people who are buried in debt? Quite often, inertia—the idea that a body at rest tends to want to stay at rest. I have observed after 10 years that those who take action are not those who have mountains of debt, but rather those whose debt is causing them great discomfort. It is the prime motivating factor to action. They have had a moment of enlightenment and decided to act on it to relieve the pain.

So, when and if your moment comes, whether you have credit card debt, federal student loan debt, or payday loan debt, or you just need debt advice, I assure you, we can help and are more than willing to do so.

 

Feel free to contact me directly.

 

Yours Truly,

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

 

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Learn These Powerful Words That Can Cause People To Take Action And Make You More Money - By Gail Kasper by Gail Kasper, Author, Television Host, Certified Fitness Trainer, and Motivational Speaker

top debt consolidation loans mississippi

How to Avoid More Debt When Using a Debt Settlement Company

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

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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