Free Credit Counseling

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.

2nd In A Series, The Credit Restoration Process-Using The Services Of A Credit Restoration Specialist.

In our first article of this credit restoration series,  we laid
out Mary’s rather problematic credit report. Her credit score was in the mid 500’s, and here was the breakdown on negatives:

Experian      13 Negatives
Equifax        17 Negatives
Trans Union 14 Negatives
The negatives were made up of mostly charge offs, but also
late payments. During the review process it is explained
that the Mary would have both a para legal and an Attorney assigned to her,and that for 59.00 dollars per month, challenges could be made to the credit bureaus, to see if they could verify the negatives, and that for an additional 20.00 dollars per month debt validation letters could also be sent
to the actual creditors.

So, here we are 30 days later, well a bit more really, because we had to allow time for the creditors to mail responses. Remember, we had Lexington law firm dispute with both the creditors and the 3 reporting agencies at the same time.

So here are the results of the first round.

Experian      13 Negatives
Equifax        14 Negatives
Trans Union 11 Negatives

That is 6 negative items removed, and one of the items was a Federal Tax Lien! I guess the IRS is to busy investigating the Tea party, and probably me after that statement. Marys average credit score is now 575, and we ran a credit score simulation, if she was able to get an additional credit line of 3ooo dollars, which she was offered, her score would jump to 600.

So we are looking for great things on the next round.

Next we will follow Mary’s progress, so stay tuned.

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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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

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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

A Word From Me:

Top 1% Club Expert. As a partner and featured expert for the Top 1% Club, you are not only able to view many of my articles, but you will also have the opportunity to learn from Top 1% Club Mentor Gail Kasper, one of the nation's leading professional speakers, a television commentator, and a life and business coach. Visit the Top 1% Club  and gain the skills you need to achieve your life and business goals.

“Just Do It” encourages Nike, “It’s everywhere you want to be,” said Visa, and “Have it your way,” according to Burger King. Advertising has proven to persuade people to buy immediately. Resume action words such as increased, improved, or expanded have encouraged interviewers to notice candidates across the country, and empower sales representatives and high-level leaders to GET WHAT THEY WANT!

 Everyday, we are placed in a situation to sell ideas and concepts whether at work, on an interview or at home. Being heard and getting others to take action becomes a primary goal during the course of a day. However, finding the right words that will make the difference is difficult. As you know, I have spoken to tens of thousands of people during the course of my training career. Repeatedly, I must find ways to encourage others to take a new course of action or change their way of thinking. Below, I have identified key words that will help you get others to take action, ease a troubled mind, or prompts a response that will open the lines of communication, as well as increase results and make you more money!

 POWERFUL “MONEY” WORDS TO ENCOURAGE ACTION

 ISN’T IT TIME TO GET YOU WHAT YOU WANT AND DESERVE?

 Try these LUCKY 13!

 You. “You” when used appropriately, makes people feel important. People love to be the center of attention.so make the focus “you”, not “I”.

 Examples: “You can do it,” or “I can help you,” or “This is for you.”

 Easy. Today, more than ever, people need to feel that something is easy. This is particularly important when someone is starting a new task or exercise, or if someone is overwhelmed. “Easy” is critical.

 New. Who doesn’t want the latest and greatest? “New” means that I am one of the first.

 Exclusive opportunity. Exclusive opportunity is telling people that, essentially, ”I am going to give this to you and very few others will be able to benefit..”

 Fast. We live in a fast-paced society. We want everything to be right now and when you tell someone that is can be done fast it is music to their ears. You just want to make certain you can back up your promise.

 What do you think? Asking a question about a specific situation is a great way to get employees, friends, and children to buy in to a situation and get them to take action. When people are asked their perspective, they feel empowered and valued. So, ask!

 Results. Results are a promise to see a difference. When people are spending money or losing time, they want to know that results are connected.

 Absolutely. Using the word “absolutely is another way of saying yes, it can be done or that “I am on board, you can count on me.” It is reassuring.

 Love. No matter how you use the word, love, it is a pleasurable, positive experience. People will say, “You are going to love this,” or “I love you,” or “I love it!”

 Tested. Something that is tested is proven. This refers to actual steps which have occurred to prove a result.

 No cost to you. The word “free” has gotten a bad rap because there is always a loophole and most people feel that nothing is really free. Free has been abused and consumers know it. No cost to you offers a different tune to their ears which opens the pathway to their mind.

 Compelling. This is an oldie but a goody. Compelling has never been overused and creates a dramatic effect. 

 Others. “Others” is extremely useful when you are sharing information about what others have done or agreed to. It validates your statement to hear that others are bought in to your way of thinking, your product or service.

 Check out the Top 1% Club  for more articles to help you achieve your life and business goals.

 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 

 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 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

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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