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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

 

Related articles

Sen. Elizabeth Warren Introduces Bill to Slash Student Loan Interest Rates-We Can Help You Lower Your Rates And Your Interest Now, Without Waiting

    Yes, in an article appearing in Insidearm.com recently, Elizabeth Warren has introduced a bill with no cosponsors in which the rates charged by the
Federal Government for student loans would be set to the same rate
charged to banks when banks borrow money from the Fed.  The bill is Senator Warrens attempt to preempt the Increase in interest charged on student loans beginning in July of 2013.
Essentially the bill would allow students to borrow at the same rate now enjoyed by the banks when they borrow money from the Federal Reserve, which is as of this writing essentially 0.75%.

    Average interest rates currently on Federal student loans is 3.4%, but is expected to rise to 6.8% come July 1^st. It goes like this, when banks borrow money to lend to the consumer they get the money at .75%, but make a very tidy profit, depending on what exactly they charge in interest. It should be noted here that in 2010 banks were essentially taken out of the student loan business as they were federalized and brought under the Dep’t of Education in 2010.

   It is anticipated that the federal Government will bring in about 37 Billion dollars in profit next year on student loans, as things now stand. It is interesting to note that last year when Congress was faced with this same issue it elected to put the matter off to this year, and here we are.

  So with all this as background, it is interesting to note the actual comments
made to the original story when it first appeared in Insidearm.com.

  As it is, the Feds under the Dep’t of Education now offer many debt relief
programs for students struggling under the burden of payments they cannot afford regarding student loan payments.

  You know. Johnny got the degree, but now cannot get a job, and has the student loan to pay back. He has used up all his deferments and the defaulted student loans are causing some problems. What sort of problems you ask? Well, for one thing, if Johnny wants to now work for the Federal Government, then he has to get his loans under control, because in the Federal work arena they are somewhat touchy about having debts you are not dealing with. If you are in the Military, chances are you will not be promoted if you are just ignoring your debts. Additionally, going back to school to advance your education, on a student loan, is pretty much not going to happen, until you correct any default on your current student loans.

 The idea that every American is somehow entitled to a college education
of his or hers choice is a topic for another article.

 Now back to what I started to say about the comments on this article.

 Here is one of them: (name withheld) you are out of touch on student loans. Most students will never pay back their loans for one reason or other.

 (Another: (name withheld) “Mike, you are out of touch on student loans.”

 Of course I then realized that these comments are posted by debt collectors, because, except for myself, that’s you reads this publication. They are already not very happy that they cannot collect in Student loans as of 2010.

 But here is the real bottom line. If you are saddled with a student loan and cannot afford to make the  current payments, there are many programs now available through the Dep’t of Education which can lower the payment, and even in some cases make the payment on the interest due on the loan and reevaluate your situation each year.

 I am a credit counselor, that is my only interest here, and that is to help you live
a debt free life, and so that is my sole purpose for writing this article. So if you are stuck in a debt situation and need help, whether it is student loans or another type of debt, please feel free to use one of the phone numbers and links below for a free credit counseling session, over the phone and see what your options are, because there are always options, and make it happen for yourself, because no one can do it for you.

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 - 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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Warren bill would ease student loan interest rates

Elizabeth Warren: Students should get the same loan rate as big banks

Can Someone Please Tell Me How To Lower My Student Loan Payments?

So, you graduated. Made your parents proud and feel
accomplished. That is a good thing. However, if you are like many of todays graduates you are drowning in student loan debt. It’s not you, and its definitely not your fault. I have been a Certified Debt Expert for 10 years, and I have seen it all before. However, in today’s world there is a new twist, and it is not about to change anytime soon.

While you were busy getting your education, something big happened. What? It is called the new economy. It’s wiping out the middle class, with the rich getting richer and the poor getting poorer, and it’s not about to change.

The good news is that there is an answer, at least to your student loan problem, and we at American Debt Enders can help. As one of the top rated debt relief companies nationally, we have teamed up with a company called Student Loan Debt Experts. You may not be aware, but the Department of Education, now has many programs available to make your federal student loans manageable.

Here is just a sampling:
Standard Repayment Plan: If client’s income is low now, but client expects it to increase steadily over time, this plan may be right for them.

Income Based Repayment or IBR: To qualify for IBR, the client must have a partial financial hardship. Under this plan, the monthly payments are based on income and family size.

INCOME CONTINGENT Repayment (ICR) Plan: This repayment plan is similar to the IBR; requirements and guidelines are the same, however, the repayment amount is calculated with different formulas.

These represent just a few of the options available. So, no reason to stress, but every good reason to take the following simple action: Simply go to: consolidate my federal student loans and download the free one page application and return by email or fax to American Debt Enders, or call 877-766-2465 for a no obligation consultation and get a free quote on what can be done to help you.

 

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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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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New House Bill And The Federal Student Loan Debt Problem Time To Consolidate

If you are struggling to pay your student loans, or, are presently considering taking on more than you might be able to eventually handle, please do read on. A bill introduced this week in congress would require your employer to withhold your student loan payments from your paycheck in exactly the same way that social security is now withheld. As presently written, this bill would allow up to 15% to be withheld from you. Yikes!

 So why is this bill even being considered? Student loan debt has surpassed credit card debt in the United States for the first time ever. It is approaching the one Trillion dollar mark! And, continues to grow. So what else do you think is happening? In this economy it is an easy answer. Student loans are being defaulted on at an alarming rate. Of course leaving the taxpayer on the hook, and doing further economic damage to our sputtering economy.

 The problem for you the consumer is that if you are currently defaulting on your student loans, there are a variety of problems that you set up for yourself. Military service becomes an issue, as well as Federal employment, and a slew of other things.

 If you are reading this, now would be an excellent time to take advantage of programs through the Dep’t of Education for student loan consolidation, and forgiveness, and a lowering of your present payments.

 To learn more about these forgiveness programs in detail, and download a simple application to receive an absolutely free evaluation of what is available for you in terms of relief through the Federal Dep’t of Education,
simply visit: Consolidate My Student Loans.

 If you would like to speak to us about any debt problem you may have simply contact me using the information below. The counseling is always free.

 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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Are You Asking, “How Do I Consolidate My Student Loans”? We Have The Simple Answer.

The student loan debt burden in the United States has reached a debt equal to the National debt on credit cards. That number is just under one trillion dollars. As a credit counselor I speak to people every day who are saddled with student loan debt amounts of greater than one hundred thousand dollars.

Consider that your purchasing power and mine has dropped by four thousand dollars in the last four years, and is it any wonder that consumers once again are defaulting on not only credit cards but their student loans as well.

 Defaulting on a student loan has far greater negative ramifications than does not paying on credit cards.

You cannot file Bankruptcy to eliminate a student loan.

So what to do, if you have used up your deferments or simply are unable to handle the monthly payment any longer?

You need to take action, and not ignore this problem.

 Here Are The Benefits Of Taking Action:

One Payment instead of multiple payments.
Lower Payment--Income Based Payment Plans Assure An Affordable Payment.
Get out of Default.
Much Lower Interest Rates.
Existing Defaulted Loans Are Paid Off--Positively Effecting Credit Scores.
Restores Federal Privileges
Restores Eligibility To Place Loans Back Into Deferment.

Here Are Some Options You May Qualify For:

STANDARD REPAYMENT:
This repayment plan saves the client money over time because the monthly payments may be slightly higher than payments made under other plans, but client will pay off the student loan in the shortest time

Graduated Repayment Plan:
If client’s income is low now, but client expects it to increase steadily over time, this plan may be right for them

Income Based Repayment (IBR Plan:
To qualify for IBR, the client must have a partial financial hardship. Under this plan, the monthly payments are based on income and family size.

I(ICR) Plan: This repayment plan is similar to the IBR; requirements and guidelines are the same,

PUBLIC SERVICE Forgiveness Program:Under this program, borrowers may qualify for forgiveness of the remaining balance due on their eligible federal student loans (Direct Loans) after they have made 120 payments under the IBR, or ICR plan.

So please, if you are struggling with your federal student loan debt, you really need to take action., because taking action is simple, and there is no fee to find out which student loan debt relief program you qualify for.

Simply visit us by clicking consolidate my student loans where you can download a simple application to get the process going at no charge and no obligation, just like all of our free counseling for credit and debt problems. After we receive your application a counselor will call you and speak with you.

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
877-766-2465

 

 

 

 

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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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Consolidating Student Loan Debt

Student loan debt has become in 2012, what credit card
debt was in 2009. Yes, that means one trillion dollars worth
of student loan debt. The problem has gotten so bad that
people cannot finish their education, because they have
fallen to far behind on their current payments, and,
having no idea where to turn, simply throw up their hands
in frustration.

Here are some interesting facts to prove my point.
37 million people in the US have student loan debt.
10 million of them have defaulted.
The average outstanding debt is 23 thousand and growing.

Here is the good news. The Department of Education,
has a student loan consolidation program to consolidate
federal student loans.
Do not assume beause you loan may have come from a bank
that it is not federal. Let an expert evaluate it.

This is tremendous news for those of you debt oppressed from
student loans. Student loan consolidation will provide the following benefits.
One lower monthly payment
Income based payment plans which again allows you to afford the monthly payment.
Lower interest rates on defaulted loans from 18% to7%.
This is accomplished by paying off the previous loans which
eliminates any mention of default, and begins to restore credit scores.
The process also eliminates the IRS from keeping your refund,
and the entire process takes less than 2 weeks.

To take advantage of this process and get a FREE student loan consultation. Simply visit: Consolidating Student Loan Debt.

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

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