Free Credit Counseling

NO FEE DEBT SETTLEMENT, A NO BRAINER!

Unfortunately, most consumers are still not aware of the many debt relief options available to them. Financial illiteracy is a real problem in our consumer driven economy. Every day, we counsel with people who simply cannot or will not get out of their own way to achieve debt freedom and financial success. It's the equivalent of going to a doctor and being told you will die unless you have surgery. You choose to "do nothing" because at the moment you feel ok.

Then one day you wake up sick. So now, you are rushed into surgery and the problem has become much worse.

This is exact equivalent of having a process server at your front door, with papers beginning a collection lawsuit.

While it is true that doing nothing, is an option in all situations, it is generally, to your own peril, unless it is part of a well thought out debt relief plan..

People put up all kinds of excuses. Here are some that I have heard:
1-My husband told me just don't do anything, eventually, the statute of limitations will expire. 2-God is going to take care of my debts,
I wonder, is he also going to show up in court on your behalf? NOTE: I believe in God. 3-I have read that these companies are all rip offs.
4-I do not want to think about anything negative right now.

Even when presented with a structured highly affordable payment option, for No advanced fee debt settlement that does not involve the consumer paying one single penny, to any expert or attorney, until that person is successful, they still hesitate. If you are one of the above described people, you can stop reading now.

But, if you find this debt settlement approach might just be the tool you need to finally deal with your debt and become self empowered, then by all means, feel free to contact us at: 877-766-2465, or simply visit: American Debt Enders for a free no obligation explanation, of how we can help you.

If you are not a subscriber to this newsletter, and would like to be, simply visit:FREE Credit Counseling Newsletter. It is FREE, and we will send you a budgeting worksheet to help yo gain control over your money.

Written By:
Steven Ciantro
Credit Counselor
Member National Association of Certified Credit Counselors
American Debt Enders
help@americandebtenders.com
877-766-2465

Will Someone Finally Tell The Truth About Non-Profit Credit Counseling?

Yes, this is a bold topic. I am so tired of the articles put out by the propagandists extolling the virtues and saintliness’ of the non- profit credit counseling industry, tha this article had to be written.

They would have you believe that only a non-profit credit counseling program can review your budget, and find a real solution to your debt problems. Really? As a former regional manager of a national non-profit, allow me to set the record straight.

Non- profits are completely in the pocket of the banks. You know which pocket that is? It's the one where you keep your money clip. The truth is, it is the banks that conceived of this industry as a way of limiting out and out defaults of credit card holders, after they raped consumers with those 29.99% interest rates. The idea was, after ripping you off for years at the high interest rate, they were happy to get your money through a non-profit, whom they would pay for every dollar collected, as long as that money kept coming.

That's right. The non-profits survive only at the will of the banks. This is one of the big reasons you read so much negative information about the debt Settlement industry. The banks cannot control it, nor do they benefit by it. It would be an eye opening experience to know the salaries of some of the directors of the non profits. Believe me that money is not coming from charitable donations for the wonderful work with the poor which they so valiently perform.

OK, so , do I believe non-profits serve any good.? Of course,Debt Management Program can be a lifesaver for some. But, what about when a person is months into collection? They are completely impotent to help. What about when a person needs a Bankruptcy, but the new laws will not allow for bankruptcy relief?

The debt relief industry has evolved out of necessity into companies that are capable of offering multiple debt relief solutions to consumers. And what a wonderful thing that is, for the consumer.

These companies will analyze a persons budget, and situation, just as the non-profits do, and are capable of implementing the best resolution for the consumer. The counseling is free, and they are paid not by the consumer.

So, consider these things the next time you read something negative about a for profit company that has chosen to operate outside of the realm of banking control.

If you enjoyed this article please feel free to subscribe to our FREE Credit Counseling Newsletter.

If you have a debt problem, please visit Debt Relief Help. for an absolutely free, no obligation, honest assessment of your debt problem.

This article may be reproduced in it's entirety, provided all links and authorship lines remain in tact. I absolutely invite comments.

Written By
Steven Ciantro
Certified Credit Counselor
American Debt Enders
877-766-2465
help@americandebtenders.com