Free Credit Counseling

American Debt Enders Says Watch For FDCPA Changes

Many of you may be aware that congressman Barney Frank is leaving office after his term runs out. But, while he is still in office he is inflicting plenty of damage. He is introducing amendments to the Fair Debt Collection Practices Act, that is the bill that currently protects you the consumer from debt collector abuses, that will no doubt, in my opinion make it easier for the debt collector and more difficult for you the consumer.

As a point of fact, successful court actions against debt collectors for FDCPA violations have grown in the past two years. No doubt the Congressman has been seriously lobbied. We know, so far, that the new language looks to specifically exempt debt collectors from liability when using approved language prescribed in voice mails and messages, by the new Bureau of Consumer Financial Protection. The full text of the new bill is not yet available for public viewing.

What is believed to be clear, is that the new bill, H.R.5794 is designed to better protect debt collectors from consumers. The exact opposite of the current bill, which was passed after congress heard horror stories of abuses by collectors against consumers.

While it is still somewhat premature to render an opinion about the new bill, it seems quite clear that it's intent is to make it more difficult to file suit against debt collectors for violations of the FDCPA.

The staff of American Debt Enders will be closely following the movement of this bill.

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Written By
Steven Ciantro
American Debt Enders
Credit Counselor
Talkshoe Radio Host
Help@americandebtenders.com
Gail Kasper Official Debt Expert
877-766-2465

Build On The Spiritual Side Of Life by Gail Kasper, Author and Motivational Speaker

Top 1% Club Expert. Here is another in a series of articles since I have recently partnered with the Top 1% Club where I am featured as an expert. Not only will you be able to view additional articles from me, but you will also have the opportunity to learn from the Top 1% Club Mentor, Gail Kasper, one of the nation's leading professional speakers, a television commentator, and a life and business coach. Membership costs you nothing and if you join now you will be eligible to receive a complimentary set of Gail's new books.

Here Is Gails Article:

Are we a bunch of robots? No, of course not. We are living, breathing beings who think, feel, love, offer help and support, create, develop ideas, form beliefs and express ourselves in countless ways. There is definitely more to life than our routines. There is an immensely rich spiritual life we can enjoy, if we allow ourselves to.

By building on the spiritual side of your life, you bring balance and a sense of inner peace to your existence. Developing your spiritual side offers numerous benefits, including achieving a sense of purpose for yourself and minimizing the effects of daily stress.

In my autobiography, Another Day Without A Cage: My Breakthrough From Self-Imprisonment To Total Empowerment, I share with my readers several experiences I went through that built me up spiritually. Growing up, I was well aware of a spiritual guidance, and through my many ups and downs, that spiritual sense continued to uphold me and bring serenity. A well-balanced life is one where the spiritual component is strong.

How do you strengthen your own spiritual life? Try these tips:

1. Pray or meditate – or do both. Do what is most comfortable for you according to your belief system. Meditation will quiet your mind and relax your body, allowing you to think more clearly, feel emotionally stronger, and even rest better. Prayer will connect you to something greater than yourself. Feel free to express your innermost thoughts during prayer, from thankfulness to any concerns you may be experiencing to your heartfelt goals and ambitions. Many people find strength through some form of prayer.

2. Assess your values. You live by a system of values. Every so often, it is important to reflect on these values. Do you know what your values are? Are they posted where you can see them? Are you living by them? Once you have acknowledged them, assess where you stand with them, and adjust your life as needed so that your choices and actions match up with your core values. For example, if risk-taking is one of your core values, then taking risks should be a part of your life. If honesty is one of your core values, reflect on this value often to verify that you are living true to yourself.

3. Help someone else. Nothing boosts your spiritual life like reaching out and helping somebody. Whether the recipient is someone in your inner circle or a total stranger doesn’t really matter. What is important is that you take the time to improve someone else’s condition. Remember that our animal friends count, too. Whatever we do to help another will come back to us as spiritual growth. My life changed when I adopted my two Basset Hounds Apollo and Winslow, two of the funniest and most loving characters of my life. They remind me often and eternally of the importance of animal rescue and the power we all have to change others’ lives.

Whatever your own personal meaning of spirituality, find it, develop it, and live it and watch your life evolve.

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-winning America's TVJobNetwork. www.gailkasper.com

Tidbits Of Knowledge To Stay Debt Free

I am going to take a slightly different approach in this newsletter edition. Instead of giving you a lot of information about one subject, I am going to provide multiple tidbits of information you generally will not get anywhere else.

Are Banks The New Pay Day Loan Providers?

Consumer reports released an online report showing how Banks are taking in billions of dollars in new income from new much higher overdraft fees on Debit cards. Thanks to the way Washington offers consumer protection, recently passed legislation requires that banks notify you and ask if you want overdraft protection, rather than automatically enrolling you, and charges have increased from 5.00 per covered transaction to 35.00 dollars per transaction. Yes, that means every time they pay a Debit card charge against uncleared funds of even one dollar, they can chrge you 35.00 additional. Since a vast majority of consumers opted for the protection, the banks brought in an additional 32 Billion dollars just last year, (2011). You can frankly borrow money at a payday loan company cheaper. Want to avoid getting ripped off? Here are three ways to do it: 1-Simply decline overdraft protection. (Make sure you monitor carefully if you do this). 2-Try linking your bank accounts, so you can quickly transfer money. Just be sure you know how much they are going to charge you per transfer. 3-Sign up for "Alerts" so you always have enough cash in the account.

Do Not Let A Short Sale Ruin Your Credit

Previously, if you were under water on your mortgage, or owed more than the house was worth, and you got the bank to agree to a short sale, your credit would be ruined. However, thanks to a new piece of legislation, if you need to do a short sale and the bank agrees, if you have been making all your payments on time, then your credit will not be effected. Important: This only applies if all your payments have been made on time.

Thanks for reading, this FREE Credit Counseling Newsletter is brought to you by American Debt Enders where their is never a charge for Credit Counseling on ways to relieve debt.

Written By
Steven Ciantro
American Debt Enders
Credit Counselor
Talkshoe Radio Host
Help@americandebtenders.com
Gail Kasper Official Debt Expert
877-766-2465

Build Long-Term Relationships With Clients By Gail Kasper, Author and Mentor of the Top 1% Club (www.gailkasper.com)

Note To All My Readers: Because We Are About Helping You Become Debt Free as a Part of Self Empowered I have recently partnered with the Top 1% Club where I am featured as an expert. Not only will you be able to view additional articles from me, but you will also have the opportunity to learn from the Top 1% Club Mentor, Gail Kasper, one of the nation's leading professional speakers, a television commentator, and a life and business coach. Membership costs you nothing and if you Join now you will be eligible to receive a complimentary set of Gail's new books.

No matter what you do in life, bringing what Gail has to say to you will take you a step closer to living the life you want to live.

FROM GAIL

To grow your business, you need repeat clients. So what do you have to do to get clients to come back?

That’s a question I would wonder about when I was launching my own business several years ago. As a brand new entrepreneur, I simply did not yet know the answers. (If you want to read about my early challenges as a fledgling business owner and how I overcame them, check out my book, Another Day Without A Cage.)

Now that I’ve been running my business many years, I know what it takes to build long-term relationships with clients, as evidenced by numerous repeat clients:

1. Over-Deliver. When you go the extra mile, clients notice. They see that you’re serious about customer service. They’ll be more inclined to grasp the value of your services when they realize they’re getting more for their money. They’ll want to work with you again, and they’ll even refer others to you.

2. Treat Them With Courtesy. No matter how demanding the client or how frazzled you may feel, never lose your cool. Always treat your clients with courtesy, respect and dignity. Foster a positive working relationship with your clients, and they’ll return.

3. Know Their Needs. Don’t be shy about asking exactly what they need. If the answer isn’t clear, ask more questions. No matter how great your products or services are, if you don’t quite meet each client’s unique needs, they won’t come back.

4. Progressive, Not Traditional. In some traditional business models, a client relationship is all about business: make the sale, deliver the goods, move on. While you need to be supremely professional, things don’t need to be so cut and dry between you and your client. You can adopt a more progressive model that engages the client to a much greater extent and meets more of their needs.

5. Keep In Touch. Periodically check back with clients and ask if they need anything at this time. If you have new services or programs to offer, let your clients know. You’ll surely get a degree of repeat business by keeping your clients posted on any new offerings they’ll find relevant.

Join the Top 1% Club today and get high-content tips from industry experts from across the country.

About the Training Company - Gail Kasper, LLC. Gail Kasper, LLC is an international organization dedicated to creating the highest quality of customized coaching and speaking programs that increases individual and organizational confidence and performance. Fortune 500 companies, Ivy League universities, professional sports teams, executives, and athletes have benefited from the Gail Kasper, LLC brand with programs that range from motivation and achievement to sales, leadership, team building, and customer satisfaction. GailKasper.com

About Gail Mid-1998, Gail 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-winning America's TVJobNetwork.

Failure To Communicate? Recognize & Fix It, By Gail Kasper, Author and Mentor of the Top 1% Club (www.gailkasper.com)

Note To All My Readers: I have recently partnered with the Top 1% Club where I am featured as an expert. Not only will you be able to view additional articles from me, but you will also have the opportunity to learn from the Top 1% Club Mentor, Gail Kasper, one of the nation's leading professional speakers, a television commentator, and a life and business coach. Membership costs you nothing and if you Join now you will be eligible to receive a complimentary set of Gail's new books. 

Gails Article Follows:

As a professional speaker and life coach,
I often get question after question with regard to communication
and how to do it effectively. Do you find yourself often
frustrated because you “say” one thing but people “hear” something else?
Do you waste a lot of time explaining the same information over
and over again? Does there seem to be a “disconnect” between
you and your co-workers, employees, managers, family members
or friends? If so, then you have a failure to communicate.

Here are common ways people don’t communicate effectively:
1. Sending memos and emails that are way too short and filled with errors,
making the message unclear to the recipient.
2. Assuming the listener already knows the context of a conversation and
failing to fill in pertinent information.
3. Giving confusing messages, such as saying, “If you could get this to me
at your earliest convenience, that would be great,” when you really mean,
“I want this by noon.”
4. Incorrectly assuming the listener understood what was just said.

Have you found yourself making these communication mistakes? If so, be our guest on theTop 1% Club where we’ve posted 50 Ways To Fix Communication Mistakes: Essential Keys To Improve How You Communicate With Others.
You May Join Here,
We’ve listed a few tips below:
1. Before sending that memo or email, re-read it – at least twice. You may
find it helpful to read it out loud. Fix any errors you find. As you review
what you wrote, ask yourself, “Will this be clear to the recipient?” If the
answer is no, then make revisions to convey the information clearly.
Always review what you wrote before firing it off.
2. When you approach someone with instructions or other relevant information,
don’t assume they know the context of what you’re talking about. For example,
the following question is very ambiguous: “You know that thing we were
talking about the other day?” The other person may think you’re referring
to one thing when you’re actually talking about something entirely different.
Always provide context and be very specific, as in the following example:
“You know how we were talking about marketing with social media at
the status meeting on Tuesday morning?”
3. When asking someone to do something for you, be very specific. State
exactly what deliverables you want and by when you expect them.
4. Don’t assume your listener “got” what you said. Always ask,
in a nonthreatening manner, if they understood. If they tell you they
didn’t quite get everything, or if you see confusion in their eyes,
then repeat or rephrase what you just said. Don’t leave until you’re
certain they got it.

Written By:
Gail Kasper
www.http://top1percentclub.com
www.http://gailkasper.com