Free Credit Counseling

Free Credit Counseling-Make Debt Settlements And Improve Credit At Same Time With This!

One of the big knocks against entering any Debt Settlements program is the fact that the creditors do not immediately get paid. Of course, usually people entering debt settlements are already in default, and have damaged credit. However, putting this aside for the moment their is actually a way to start to improve your credit while entering a debt settlements program.

Yes, that is correct, and up until now, has really not been possible. So exactly, how is this possible you ask. Their is a brand new Pre paid credit card available at PRE PAID CREDIT CARD that actually reports payments to the credit bureaus! WOW! So exactly what payments? Any payment that repeats on a monthly basis, such as, cable bill, utility bill, phone bill, etc. So has the light gone on yet? What this means is that every one of these repeating payments creates it's own new trade line on your credit report, so using it to make the monthly no-fee debt settlements program payments, is creating an additional very powerful trade line on your credit report, while your settlement program is progressing.

Of course, you should also use the card while paying your other recurring monthly bills, for maximum effect. To the best of my knowledge, this is the first time something this powerful has been available. The card is not expensive, and well worth every penny.

If you are interested in learning more, please feel free to contact: FREE CREDIT COUNSELING, and speak to a counselor.

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

FREE Credit Counseling-Personal Debt Management-Are You?

The question is are you engaging in Personal Debt Management. Do you even know what it is? Doing it can save your financial life and keep a roof over your head in a financial downturn.

So, exactly what is Personal Debt Management? It means simply making sure that at any given time you are not taking on to much debt. You know, this is the exact opposite of what the Federal government does. Of course, they have the option of printing money, and virtually borrowing unlimited amounts, to the eventual detriment of us all, but that is for another article. This article is about you!

Have you noted that with this horrible economy the American consumer is still being sold the bill of goods about having the good life. Home prices are expected to fall this year by another eight percent. Yet, the National Association of Realtors is saying that the housing recession is over. Another little fact is that housing starts are down by 50% this year, thats 2011, since I do not know when you are reading this. And if that’s not bad enough, unemployment is still over eight percent.

OK, do you find this information sobering? I hope so. I am not trying to depress you, however, we need to awaken from the opiate dream of "the good life", we are being sold by corporate American, and realize just how serious debt is.

Debt will destroy your peace of mind. It can and has ruined to many marriages. It has caused people to become ill, or made existing illness worse. It will make you cranky and irritable, totally self focused and just plain miserable. Did you know that the bible mentions money 2300 times! You think God had a reason for that?

OK, have you had enough yet? Maybe you suffer from an avoidance syndrome. You know, just make believe it's not really there. Or, maybe you are just frozen by worry and simply cannot act, or maybe even you just do not know what to do about your own debt.

If you are reading this, their is hope for you> Maybe, it is no accident that you came across this article. Now is the time to take the first step. If you have tried unsuccessfully to relieve yourself of an oppressive debt burden, than it is time to speak to a trustworthy expert. You can get FREE CREDIT COUNSELING by visiting or calling 877-766-2465, for an absolutely no pressure consultation. We have no complaints, only satisfied customers.

If you enjoyed this article and are not a subscriber to this newsletter, please visit: FREE Credit Counseling Newsletterand simply leave your email address. No one will call, and we never share your information.

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

Free Credit Counseling-Avoiding Wage Garnishments

Wage Garnishments are both embarrassing and financially painful. Their are many options available to a distressed creditor to prevent this from occurring.

The following paragraph is reprinted from a Fox News article How Wage Garnishment works.

As a result of consumer advocates taking issue with the practice of freezing all bank funds and placing the onus on the consumer to prove which funds are exempt, a new rule was passed, effective May 1, 2011, to protect exempted funds from garnishment orders. Electronically deposited exempted funds, such as Social Security, will now be "tagged" by the federal government, making it easier for financial institutions to separate exempt and nonexempt funds to be garnished. The bank must also provide debtors with the amounts of these protected and unprotected funds once it is served with a garnishment order. Nonexempt funds that are not direct deposited, however, do not qualify, as they will not be electronically tagged.

This is extremely important information to know because if your money is not electronically deposited, a creditor may still place a hold on the exempt funds and leave you to prove that the funds in fact did come from an exempt source.

Their is no reason to put yourself at risk of a wage garnishment. The worst thing that a debtor can do is to put your head in the sand and ignore debt problems. They will not simply go away.

So, if you feel overwhelmed by debt then you need to get a hold of yourself and contact a Free Credit Counseling company where you can speak with a certified credit counselor and learn all the options you have.

These may include some form of debt consolidation program, perhaps debt settlements, or a debt restructure program.

Whatever you do, do not do nothing.

If you enjoyed this article, feel free to subscribe to the FREE Credit Counseling Newsletter

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

Free Credit Counseling, What Are The Benefits?

If you have debt problems, then perhaps the best thing you can do for yourself is find a verifiaby reputable company that offers FREE CREDIT COUNSELING.

So Why is ths a good idea? Because a Credit counseling professional has the best understanding of debt relief possibilities. A credit counselor is someone who is very different than the usual enrollment agent who works at a debt relief company, whether it is a non-profit or a Debt Settlement company. How so you ask? E.g. When you call a debt settlement company, you will most likely speak to a person who is a salesperson, and has been trained to enroll people into their program. Now, Even if the program is a good one, if the person does not have specialized knowledge in all areas of credit counseling, they cannot advise you on any other type of debt relief which may be more suitable for your situation. That includes, speaking with bankruptcy attorny's.

This could be a problem because you are not getting a full picture from a professional during the free credit counseling session. The idea is to speak to someone able to fully understand your problem and how a solution applies to your debt situation. Suppose, for example, you wish to file a bankruptcy, because you may know someone who said it was what you needed to do. So, you consult a bankruptcy attorney. He tells you that you can't file a bankruptcy. Unfortunately, he will not tell you that you have other options, because that is not his job, and it will cost him income, if you do not file the bankruptcy. You might, in that case be much better off doing debt settlements. Perhaps, even a credit card consolidation program, in which you would be simply consilidationg all your debt, and getting better terms from your creditors. But, how will you even know if these options are suitable for you, unless you speak to someone with a thorough knowledge of them.

In summation, you need to improve your chances of success in terms of achieving debt refief, by making sure that you first, find a solution that is appropriate for you. because not all debt problems are alike.

If you enjoyed this article, and would like more information about FREE CREDIT COUNSELING. can help you, subscribe to our Free credit counseling newsletter.

If you have a question, please feel free to contact me at the contact information below.

Written By:
Steven Ciantro
Certified Credit Counselor
American Debt Enders
help@americandebtenders.com

In previous articles I have written about credit card consolidation . In this article we will explain another type of credit card consolidation. Which is Debt Restructure combined with Debt Settlements.

What exactly is this form of debt relief? Pretty simple and very effective. First, a debt buyer, someone who purchases debt for a living, with your permission, settles your debt for approximately 40% of what you owe. Next, if you approve, the debt buyer writes the creditor a check for the entire 40%. You then pay back the debt buyer at 55% of the original debt over a period of years, in affordable monthly payments. Yes, the debt buyer, who is assuming the risk, is making a nice profit, but you, the debt ridden consumer, are also benefiting greatly. This is a win, win situation.

Is this program appropriate for everyone? No, it is appropriate for consumers who are at the end of their rope, and can no longer afford to keep up with their minimum payments, and either cannot afford a bankruptcy, or would rather not file a bankruptcy.

Their is another aspect to this program that is very effective. Built in to the program is legal protection. Just in case you are sued by a creditor before the debt is settled and purchased.

Another nice feature is you are actually assigned an attorney to follow up with a lawsuit for violations by creditors of the FDCPA, thats the Fair Debt Collection Practices Act.

These features make this program unique, and a great help for debt relief in the appropriate circumstance.

If you are interested in learning more about this Debt Restructure program, please call 877-766-2465, or visit FREE CREDIT COUNSELING.

Written By:
Steven Ciantro
Certified Credit Counselor
American Debt Enders

Credit Card Consolidation With Debt Restructure

In previous articles I have written about credit card consolidation . In this article we will explain another type of credit card consolidation. Which is Debt Restructure combined with Debt Settlements.

What exactly is this form of debt relief? Pretty simple and very effective. First, a debt buyer, someone who purchases debt for a living, with your permission, settles your debt for approximately 40% of what you owe. Next, if you approve, the debt buyer writes the creditor a check for the entire 40%. You then pay back the debt buyer at 55% of the original debt over a period of years, in affordable monthly payments. Yes, the debt buyer, who is assuming the risk, is making a nice profit, but you, the debt ridden consumer, are also benefiting greatly. This is a win, win situation.

Is this program appropriate for everyone? No, it is appropriate for consumers who are at the end of their rope, and can no longer afford to keep up with their minimum payments, and either cannot afford a bankruptcy, or would rather not file a bankruptcy.

Their is another aspect to this program that is very effective. Built in to the program is legal protection. Just in case you are sued by a creditor before the debt is settled and purchased.

Another nice feature is you are actually assigned an attorney to follow up with a lawsuit for violations by creditors of the FDCPA, thats the Fair Debt Collection Practices Act.

These features make this program unique, and a great help for debt relief in the appropriate circumstance.

If you are interested in learning more about this Debt Restructure program, please call 877-766-2465, or visit FREE CREDIT COUNSELING.

Written By:
Steven Ciantro
Certified Credit Counselor
American Debt Enders