Unbiased and Free Credit Counseling Advice
For A Free No Pressure Consultation about your Debt Relief Options,
CALL: 877-766-2465 or Email us at:
[email protected]
Featured Debt Experts of Gail Kaspers www.top1percentclub.com
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, 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.
Yes, another article about
the debt snowball and what exactly is
account reaging. Well, for one thing, account
reaging cannot be accomplished by using a
debt snowball to pay down the debt, you can
refer to a previous article to see how a debt
snowball works. Free Credit Counseling
Newsletter.
OK, account reaging is
when you are behind on your credit card payments,
lets say two full months. The problem is that you
cannot catch it up because you can barely afford one
months payment at a time. By looking into a personal
debt management, debt consolidation program you
might very well not onlylower your monthly
payments, even with the state mandated fees, but the banks will bring
your accounts back to their current status after 3 to 4 payments,
just because it is one of thepositive aspects of a debt
management program.
The famous debt snowball, can
never accomplish this. So what is the net effect
and benefit of reaging. Well. for one thing you
did not have to come up with many months of payments to
catch up, or reage.As soon as you started the
program, you only had to pay minimum payments on
a new due date that you selected. No penalties, and a new
lower monthly payment in which all your
creditors get paid every month in a timely manner.
The other nice thing that
happens is that the account reaging causes a
credit restoration, raising your credit score because you are no
longer being reported late to the credit bureaus.
Does it get any better than this? All you had to do was get
a free quote and see what the new payment would be. In
other words just take a single step, and let the counseling
experts help you.
Fell free to call or email
the author with any questions.
We have come to depend on technology to live our daily lives.
Today’s technology has just become a way of life. It seems
that this is the case in most areas of today’s world, with one big exception.
The area of debt relief. I was listening to a famous TV personality,
who invented the debt snowball. The problem with this “snowball
is that if you were paying 29% interest on a credit card, you are still throwing
money away at 29% interest. This technique is low-tech, and absolutely
does not take advantage of today’s technology that allows you
to do a debt snowball in an automated fashion, and pay off at 8% interest
not 29%. This would be called a personal debt management program.
Because in prior years there was a battle raging between non-profits
who are restricted in terms of what programs they can offer, and for-profits
who pay taxes and are not restricted, the truth was hard to find. Since
late 2011 the ground rules have all changed due to clear regulatory
guidelines which protect the consumer from any bad actors. In fact,
the bad actors have left the industry. Good companies are plentiful,
and it is easy to check their credentials.
You can get debt relief online, without ever leaving the comfort
of your home. E.G American Debt Enders publishes
phone numbers for absolutely free credit counseling with an expert
in each area of debt relief. Here is an example:
Need a
debt settlement program, call 877-766-2465,
Need a free quote with an application to look at for a Debt
Consolidation Program, the kind that actually lowers your interest rate
and will not destroy your credit, just Email American Debt Enders and
ask for the secure application link. If you fill it out, you will generate a quote,
and an actual application, all filled in, which you can look over and sign or not.
Either way,a customer service rep, will contact you to answer any questions.
NOTE:
Filling out the application does not obligate you to anything.
How about,need to have a free bankruptcy counseling session with
a BK Attorney, anywhere in the country, with no obligation to proceed,
simply visit: Free Bankruptcy Counseling or call 516-204-4640.
What if you are ready to rejoin the world of wise credit users?
Yes, just visit:
credit restoration consultation or speak with a real
credit restoration specialist by calling: 888-586-2661, and getting a free
credit report evaluation.
How about student loan help and a consultation with an
expert who can consolidate student loan debt or just call: 855-794-3425
Wow! I don’t know about you but I think that
is an impressive list and approach to debt relief,
that qualifies as high tech.
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
Many consumers still struggling on the treadmill
of to high interest rates are completely unaware that
this situation does not have to exist. Paying an interest rate
over 15% on a credit card is the equivalent of putting your
hard earned money on a table and turning on a fan
with a window open. If you do not have an appreciation
for the point I just made, than perhaps you need to
stop reading now.
In addition to the non-profit debt consolidation
programs available, which will greatly lower your interest rates
and pretty much keep your credit score in tact,
their is also a Hardship Debt Consolidation Program
offered by many banks through the non-profit program.
Here is how it works. If you are behind on your
payments some banks will offer even lower rates than are
available in the standard debt consolidation program and even
many times lower payments. Here is just a partial list
of the credit card banks that participate: American Eagle,
Banana Republic, Chase Bank, Bank of America credit cards,
BP Oil Cards, Circuit City and many more. If you are in
a hardship situation, which can easily be determined during
the Free Credit Counseling
session, Chase bank, for example will lower the interest rate to 2%.
It never ceases to amaze me, in all my years of
counseling, that so many consumers are resistant to
taking advantage of these programs that are so readily
available, until a crises strikes.
Might I suggest, that if you have credit card debt,
you speak with a credit counselor and get a free quote
on just what a debt consolidation program can do for you,
as part of an overall personal debt management program
and use your hard earned money to a more productive end.
Recent Comments