Saturday, June 29, 2013
Thursday, May 20, 2010
Ten warning signs you need debt help
Ten Warning Signs
1. Do you make only minimum payments on your credit card debt and other revolving accounts?
The best advice, of course, would be to pay off your credit card debt and revolving charges in full every month. Since this is not possible for most people, it is highly recommended to pay more than the minimum, if you can afford to do so. If minimum payments or paying slightly more are all you can afford, this is probably an indication that you are overextended and should analyze your budget and make lifestyle adjustments. Any unforeseen expense will throw your finances into disarray.
2. Have you been declined credit or a credit line increase?
Being declined for credit is a sure sign that you need to examine your finances. In making credit decisions, creditors use information obtained from the various credit bureaus to determine your credit worthiness based on what is known as a FICO or Beacon Score. Therefore, if they decline you, it means that they feel that your finances are either stretched to the limit or beyond.
3. Do you have a savings account or find yourself exhausting your savings to support your lifestyle?
If you are not able to set aside savings on a consistent weekly or monthly basis there is cause for concern because you may not be able to meet any unexpected situation that requires additional financial resources. If you are exhausting savings to keep up with your lifestyle, it’s a sure fire sign that you are living beyond your means. A budget reassessment is definitely needed.
4. Do your credit card bills run approximately the same each month?
This may be a sign that you are living off your credit cards to maintain your lifestyle or to pay for day to day living expenses. It’s time to examine your budget and credit card debt!
5. Are your cards nearing or over your credit limit or have you ever had a credit card purchase declined?
If you answered yes, this is a good sign that you are stretched to the limit or already overextended. Many are still in denial at this point. This is the time to get a good grasp on your finances and work out a game plan to prevent further damage. If you were more aware of your finances and realized how high your balances were, you might have been able to avoid the situation. Your creditors set your credit limit based on your credit history, income and outstanding debt. If you are at or near this limit it is a good sign that trouble awaits you if some hard financial decisions are not made.
6. Do you run up unaccountable credit card debt each month or avoid totaling up the amount of your outstanding debt?
If you cannot account for the total amount of debt that you owe, you may be avoiding the problem. Simply hiding your head in the sand will not make the problem go away, it will only get worse! You must immediately reassess your spending patterns. Face up to paying off your debt in a more efficient manner, even if it means doing without that coffee and donut you buy every morning on the way to work. If you do not, you area inviting catastrophe.
7. Are you relying on cash advances to pay your other bills?
Danger!!!! You are simply robbing Peter to pay Paul and you are committing financial suicide! Your income can not support your style of life. An immediate budget analysis is necessary and professional help may be extremely useful.
8. Is your debt so out of control or are you so ashamed of your debt that you keep it from family members?
Hiding debt from family members is a clear sign that you are in denial. The fact that you feel you have to hide your spending behavior from loved ones indicates that you refuse to acknowledge there is a problem. If you still cannot share the problem with your loved one, seek professional help on your own. The time to act is now.
9. Are you living pay check to pay check?
Do you issue checks and then keep your fingers crossed in hopes that by the time the check is cashed, you will have sufficient money in the account to cover the check. Issuing checks on the hope they will clear or, even worse, bouncing checks is a red light that you are in serious financial trouble.
10. Are creditors calling you?
Receiving calls from creditors is a sure sign of trouble. Ducking these calls will not make the problem go away. Since most creditors are unwilling to make direct concessions the use of a trained professional such as a debt settlement service might be the only way to gain control of the situation and become current again.
1. Do you make only minimum payments on your credit card debt and other revolving accounts?
The best advice, of course, would be to pay off your credit card debt and revolving charges in full every month. Since this is not possible for most people, it is highly recommended to pay more than the minimum, if you can afford to do so. If minimum payments or paying slightly more are all you can afford, this is probably an indication that you are overextended and should analyze your budget and make lifestyle adjustments. Any unforeseen expense will throw your finances into disarray.
2. Have you been declined credit or a credit line increase?
Being declined for credit is a sure sign that you need to examine your finances. In making credit decisions, creditors use information obtained from the various credit bureaus to determine your credit worthiness based on what is known as a FICO or Beacon Score. Therefore, if they decline you, it means that they feel that your finances are either stretched to the limit or beyond.
3. Do you have a savings account or find yourself exhausting your savings to support your lifestyle?
If you are not able to set aside savings on a consistent weekly or monthly basis there is cause for concern because you may not be able to meet any unexpected situation that requires additional financial resources. If you are exhausting savings to keep up with your lifestyle, it’s a sure fire sign that you are living beyond your means. A budget reassessment is definitely needed.
4. Do your credit card bills run approximately the same each month?
This may be a sign that you are living off your credit cards to maintain your lifestyle or to pay for day to day living expenses. It’s time to examine your budget and credit card debt!
5. Are your cards nearing or over your credit limit or have you ever had a credit card purchase declined?
If you answered yes, this is a good sign that you are stretched to the limit or already overextended. Many are still in denial at this point. This is the time to get a good grasp on your finances and work out a game plan to prevent further damage. If you were more aware of your finances and realized how high your balances were, you might have been able to avoid the situation. Your creditors set your credit limit based on your credit history, income and outstanding debt. If you are at or near this limit it is a good sign that trouble awaits you if some hard financial decisions are not made.
6. Do you run up unaccountable credit card debt each month or avoid totaling up the amount of your outstanding debt?
If you cannot account for the total amount of debt that you owe, you may be avoiding the problem. Simply hiding your head in the sand will not make the problem go away, it will only get worse! You must immediately reassess your spending patterns. Face up to paying off your debt in a more efficient manner, even if it means doing without that coffee and donut you buy every morning on the way to work. If you do not, you area inviting catastrophe.
7. Are you relying on cash advances to pay your other bills?
Danger!!!! You are simply robbing Peter to pay Paul and you are committing financial suicide! Your income can not support your style of life. An immediate budget analysis is necessary and professional help may be extremely useful.
8. Is your debt so out of control or are you so ashamed of your debt that you keep it from family members?
Hiding debt from family members is a clear sign that you are in denial. The fact that you feel you have to hide your spending behavior from loved ones indicates that you refuse to acknowledge there is a problem. If you still cannot share the problem with your loved one, seek professional help on your own. The time to act is now.
9. Are you living pay check to pay check?
Do you issue checks and then keep your fingers crossed in hopes that by the time the check is cashed, you will have sufficient money in the account to cover the check. Issuing checks on the hope they will clear or, even worse, bouncing checks is a red light that you are in serious financial trouble.
10. Are creditors calling you?
Receiving calls from creditors is a sure sign of trouble. Ducking these calls will not make the problem go away. Since most creditors are unwilling to make direct concessions the use of a trained professional such as a debt settlement service might be the only way to gain control of the situation and become current again.
Thursday, April 22, 2010
Personal Debt Systems Of America or PDSOA
We are not a debt settlement company, but we offer a Automated Debt Settlement Software (ESP), supported by a team of attorneys (FBL & Assoc).
This is a revolutionary program offered by no one else!
Debt Settlement is NOT for everyone! It is like financial surgery to remove a growing and unmanagable "tumor". Like a surgery it should be done when there are no other alternative.
If you answer yes to any of the following you should strongly consider our program.
If you CAN NOT AFFORD to make your minimum credit card payments. a debt settlement program will allow on most occasions to lower you monthly payments by more than half!
If you are ONLY ABLE to pay your minimum payments. if you can only afford to make your minimum payments and are unable to make significant payments towards the total balance, it will take you over 15 years to payoff your credit cards!
If you can not get debt free on your own, in a reasonable amount of time.
if you have over $10,000 in unsecured debt
This is a revolutionary program offered by no one else!
Debt Settlement is NOT for everyone! It is like financial surgery to remove a growing and unmanagable "tumor". Like a surgery it should be done when there are no other alternative.
If you answer yes to any of the following you should strongly consider our program.
If you CAN NOT AFFORD to make your minimum credit card payments. a debt settlement program will allow on most occasions to lower you monthly payments by more than half!
If you are ONLY ABLE to pay your minimum payments. if you can only afford to make your minimum payments and are unable to make significant payments towards the total balance, it will take you over 15 years to payoff your credit cards!
If you can not get debt free on your own, in a reasonable amount of time.
if you have over $10,000 in unsecured debt
Thursday, September 24, 2009
Debt Settlement...What Does Big Brother Think?
Do you find yourself asking whether debt settlement is a safe or a wise course of action for you? Many of us have become accustomed to asking the government (Big Brother) to provide advice on how to get back on our feet. The question then is a simple one; does the government advocate debt settlement? Surprisingly the answer is a resounding YES!
With the increasing economic instability worldwide the government is looking out for consumers more than ever. Good news for anyone swimming in debt, but how is the government helping? Let’s just say Big Brother is putting a little “necessary encouragement” where it needs to…In fact, the FDIC has been told to regulate bank debt settlements to prevent unfair and deceptive practices from harming any consumers looking to get out of debt.
Why is the government helping? The main reason is consumers are having a very difficult time making ends meet these days. With wages going down, increases in corporate layoffs, and necessities becoming more expensive (fuel, food, etc.) consumers just don’t know where to turn. While the law does allow you to file bankruptcy, the government does not advocate it because it damages the economy by forcing all involved parties to take a greater loss than they might otherwise have to. With debt settlement, the amount of that loss can be mitigated. You get to keep your assets and your creditors take a smaller loss on their investments.
The government has advised banks and other lending organizations to consider debt settlement as a “favorable” alternative to increasingly harsh collection action. Even though the government may not help you directly, it is still a good idea to get help from someone.
Bottom line is Big Brother wants to help but does not have the necessary resources at this time to do so…
Hope you found this information useful. Please come back often as information is continually being updated.
With the increasing economic instability worldwide the government is looking out for consumers more than ever. Good news for anyone swimming in debt, but how is the government helping? Let’s just say Big Brother is putting a little “necessary encouragement” where it needs to…In fact, the FDIC has been told to regulate bank debt settlements to prevent unfair and deceptive practices from harming any consumers looking to get out of debt.
Why is the government helping? The main reason is consumers are having a very difficult time making ends meet these days. With wages going down, increases in corporate layoffs, and necessities becoming more expensive (fuel, food, etc.) consumers just don’t know where to turn. While the law does allow you to file bankruptcy, the government does not advocate it because it damages the economy by forcing all involved parties to take a greater loss than they might otherwise have to. With debt settlement, the amount of that loss can be mitigated. You get to keep your assets and your creditors take a smaller loss on their investments.
The government has advised banks and other lending organizations to consider debt settlement as a “favorable” alternative to increasingly harsh collection action. Even though the government may not help you directly, it is still a good idea to get help from someone.
Bottom line is Big Brother wants to help but does not have the necessary resources at this time to do so…
Hope you found this information useful. Please come back often as information is continually being updated.
Friday, August 21, 2009
Bankruptcy Doesn't Work
There are two different types of bankruptcy for consumers; chapter 7 and chapter 13.
Recently a new bankruptcy law passed that requires consumers to take a state means test to determine which bankruptcy you qualify for. If it's determined your income is above the state means (average), you would most likely qualify for a chapter 13 bankruptcy. 98% do not qualify for chapter 7.
In a chapter 13 bankruptcy, you would be set up with a trustee of the court, and required to pay back roughly 70-80% of your debt, depending on your situation. And the court will budget your spending and may even tell you to cancel your cable, and reduce your electric bill.
The disadvantage of personal bankruptcy is that a record of the bankruptcy stays on your credit credit record for up to 10 years, and stays on your public record for life. While it's on your credit record (7-10 years) , it will be more difficult to get loans from lenders. Additionally, even after the bankruptcy is off of your credit record, the fact that it's on your personal record means for the rest of your life, any time you apply for a new job, or for credit, if you are asked if you have ever filed for bankruptcy, you are required by law, to say yes. And doing so, can have a negative effect on your chance for the job and for approval for loan applications
Most people consider Bankruptcy as an absolute last resort for debt relief.
Instead of bankruptcy, debt settlement will:
* Settle unsecured debt at 55 cents on the dollar (thats a 45% savings)
* No upfront fees ever
* Eliminate interest, late fees, and over limit penlties
* Lower monthly payments
* Stop creditor collection calls
* Avoid having a bankruptcy on your record for up to ten years
* By the end of the program your credit score and debt to income ratio will improve
* Accounts will show Settled in Full
Call 954-237-8279 ext 8021 or 877-883-8384 ext 8021 for your free, confidential consultation
Recently a new bankruptcy law passed that requires consumers to take a state means test to determine which bankruptcy you qualify for. If it's determined your income is above the state means (average), you would most likely qualify for a chapter 13 bankruptcy. 98% do not qualify for chapter 7.
In a chapter 13 bankruptcy, you would be set up with a trustee of the court, and required to pay back roughly 70-80% of your debt, depending on your situation. And the court will budget your spending and may even tell you to cancel your cable, and reduce your electric bill.
Downsides of Bankruptcy
The disadvantage of personal bankruptcy is that a record of the bankruptcy stays on your credit credit record for up to 10 years, and stays on your public record for life. While it's on your credit record (7-10 years) , it will be more difficult to get loans from lenders. Additionally, even after the bankruptcy is off of your credit record, the fact that it's on your personal record means for the rest of your life, any time you apply for a new job, or for credit, if you are asked if you have ever filed for bankruptcy, you are required by law, to say yes. And doing so, can have a negative effect on your chance for the job and for approval for loan applications
Most people consider Bankruptcy as an absolute last resort for debt relief.
Debt Settlement can help you avoid Bankruptcy
Instead of bankruptcy, debt settlement will:
* Settle unsecured debt at 55 cents on the dollar (thats a 45% savings)
* No upfront fees ever
* Eliminate interest, late fees, and over limit penlties
* Lower monthly payments
* Stop creditor collection calls
* Avoid having a bankruptcy on your record for up to ten years
* By the end of the program your credit score and debt to income ratio will improve
* Accounts will show Settled in Full
Call 954-237-8279 ext 8021 or 877-883-8384 ext 8021 for your free, confidential consultation
Monday, August 17, 2009
Fourteen Questions to Ask a Settlement Company
If you are thinking about working with a debt settlement company to negotiate or settle your debts, there are some essential questions you should ask them before you sign up.
1. What are your accreditations?
Any company you choose should be a member of an accreditate organization. If not – Red Flag!
PleaseReduceMyDebt, LLC is a proud member of the following organizations:
United States Organization for Bankruptcy Alternatives (U.S.O.B.A.) - Mission: To represent the debt negotiation industry by creating state specific agendas and to advocate for fair regulation and protection of consumers.
IAPDA - PleaseReduceMyDebt, LLC requires all of our Debt Arbitrators to be accredited through the IAPDA, the International Association of Professional Debt Arbitrators * Tested and certified by Arbitrain
And has an A- rating with the Better Business Bureau
2. What are your fees?
The majority of fees should be based upon performance and results. Many companies charge a flat fee based upon a percentage of your debt amount. Their fees are collected in the beginning months of the program and are collected even if no settlements are completed. If fees are based upon a percentage of the debt and not tied to results – Red Flag!
Our only fee is a $49.00 a month admin fee
3. Are you being paid a commission?
Salespeople may stretch the truth or leave out vital information if they are paid on commission. If they say yes – Red Flag!
No, however we may receive a bonus based on performance
4. Do you have a money back guarantee if I change my mind?
Don’t accept anything less than a full 30 days. Don’t be pressured into making a decision you can’t reconsider. Anything less – Red Flag!
We have a full 30 day refund policy, and after you may still cancel minus any ammount paid out to your creditors.
5. If I have faithfully made my payments for one year and you haven’t settled any of my debt, how much money would I get back if I decided to quit?
Many companies charge excessive fees whether or not any of your accounts are settled. If fees are based upon a percentage of the debt and are not tied to results, the company will probably refuse to refund any of your fees – Red Flag!
We guarentee to negotiate your debt to 55 cents on the dollar (a 45% percent savings) and usually we start to settle individual accounts after 3 - 6 payments
6. How long have you been in the debt settlement business and how much debt have you settled?
Many companies don’t settle much debt at all, and young companies have very little experience. If the company cannot provide proof of their experience – Red Flag!
We have been doing debt settlement for over five years and are the best in the business, and have had more than 210,000 customers
7. Can you stop my creditors from calling me?
It is not possible to stop all creditor calls. If they say they can – Red Flag!
We will send cease and desist letters, but the less than moral collection companies may still call, we also provide you with letters to send those companies that continue to call. Most reputable companies will stop calling with in 30 - 60 days
8. Will you be making monthly payments to my creditors?
Settlement companies do not make monthly payments to your creditors. If they claim to do so or if they give you the impression that they do – Red Flag!
No we settle your debts in full one at a time as the funds in your account build up.
9. Can I get sued?
The answer to this question is “yes;” it is a possibility. If they say anything to the contrary – Red Flag!
Yes, but once we notify your creditors that we are representing you, most will not want to spend the extra money in court costs
10. Will this have a negative effect on my credit report?
The correct answer to this question is “Yes.” All debt management programs will have a negative impact on your credit report. If they say anything to the contrary – Red Flag!
Yes you do need to take one step back, to take three steps forward. Unlike most companies, we do negotiate with your creditors to show your account as settled in full at settlement. So by the end of the program your score will approve, and your debt to income ratio will be much better.
11. When can I expect my first settlement?
Your first settlement should be made well within the first 12 months of your program. Any longer than 12 months – Red Flag!
It will depend on your peticular situation, but we usually begin to settle once you have paid between 3 and 6 payments.
12. Can you tell me exactly how long this will take and exactly how much this will cost?
Debt settlement is not an exact science, and there are too many variables to quote exact time frames and figures. Many companies will tell you anything to get you in the door. Any attempt to provide exact information would be a Red Flag!
We will design a program specifically for you between 1 – 4 years depending on the ammount you owe and the monthly payment you can afford.
13. Are there tax consequences I should be made aware of?
The correct is “Yes.” The IRS considers forgiven debt to be taxable income, though you may be able to get the taxes waived if you can show the IRS you are insolvent. This should be explained. If not – Red Flag!
Creditors may report the amount you save as income. Check with your tax advisor, and file form 982 showing your hardship and this may be forgiven.
14. Who is holding my money while I’m waiting on a settlement?
Your funds should be held at a third party escrow company in a FDIC insured trust account. If the company tells you to save your own money or to send the funds to them – Red Flag
We put your money in a FDIC insured account with a third party clearing house (we use Noteworld an A+ rated company with the BBB) You will also have your own password to access your account online or via the 1-800 number.
Call for your free consultation or with any other questions 877-883-8384 ext 8021
1. What are your accreditations?
Any company you choose should be a member of an accreditate organization. If not – Red Flag!
PleaseReduceMyDebt, LLC is a proud member of the following organizations:
United States Organization for Bankruptcy Alternatives (U.S.O.B.A.) - Mission: To represent the debt negotiation industry by creating state specific agendas and to advocate for fair regulation and protection of consumers.
IAPDA - PleaseReduceMyDebt, LLC requires all of our Debt Arbitrators to be accredited through the IAPDA, the International Association of Professional Debt Arbitrators * Tested and certified by Arbitrain
And has an A- rating with the Better Business Bureau
2. What are your fees?
The majority of fees should be based upon performance and results. Many companies charge a flat fee based upon a percentage of your debt amount. Their fees are collected in the beginning months of the program and are collected even if no settlements are completed. If fees are based upon a percentage of the debt and not tied to results – Red Flag!
Our only fee is a $49.00 a month admin fee
3. Are you being paid a commission?
Salespeople may stretch the truth or leave out vital information if they are paid on commission. If they say yes – Red Flag!
No, however we may receive a bonus based on performance
4. Do you have a money back guarantee if I change my mind?
Don’t accept anything less than a full 30 days. Don’t be pressured into making a decision you can’t reconsider. Anything less – Red Flag!
We have a full 30 day refund policy, and after you may still cancel minus any ammount paid out to your creditors.
5. If I have faithfully made my payments for one year and you haven’t settled any of my debt, how much money would I get back if I decided to quit?
Many companies charge excessive fees whether or not any of your accounts are settled. If fees are based upon a percentage of the debt and are not tied to results, the company will probably refuse to refund any of your fees – Red Flag!
We guarentee to negotiate your debt to 55 cents on the dollar (a 45% percent savings) and usually we start to settle individual accounts after 3 - 6 payments
6. How long have you been in the debt settlement business and how much debt have you settled?
Many companies don’t settle much debt at all, and young companies have very little experience. If the company cannot provide proof of their experience – Red Flag!
We have been doing debt settlement for over five years and are the best in the business, and have had more than 210,000 customers
7. Can you stop my creditors from calling me?
It is not possible to stop all creditor calls. If they say they can – Red Flag!
We will send cease and desist letters, but the less than moral collection companies may still call, we also provide you with letters to send those companies that continue to call. Most reputable companies will stop calling with in 30 - 60 days
8. Will you be making monthly payments to my creditors?
Settlement companies do not make monthly payments to your creditors. If they claim to do so or if they give you the impression that they do – Red Flag!
No we settle your debts in full one at a time as the funds in your account build up.
9. Can I get sued?
The answer to this question is “yes;” it is a possibility. If they say anything to the contrary – Red Flag!
Yes, but once we notify your creditors that we are representing you, most will not want to spend the extra money in court costs
10. Will this have a negative effect on my credit report?
The correct answer to this question is “Yes.” All debt management programs will have a negative impact on your credit report. If they say anything to the contrary – Red Flag!
Yes you do need to take one step back, to take three steps forward. Unlike most companies, we do negotiate with your creditors to show your account as settled in full at settlement. So by the end of the program your score will approve, and your debt to income ratio will be much better.
11. When can I expect my first settlement?
Your first settlement should be made well within the first 12 months of your program. Any longer than 12 months – Red Flag!
It will depend on your peticular situation, but we usually begin to settle once you have paid between 3 and 6 payments.
12. Can you tell me exactly how long this will take and exactly how much this will cost?
Debt settlement is not an exact science, and there are too many variables to quote exact time frames and figures. Many companies will tell you anything to get you in the door. Any attempt to provide exact information would be a Red Flag!
We will design a program specifically for you between 1 – 4 years depending on the ammount you owe and the monthly payment you can afford.
13. Are there tax consequences I should be made aware of?
The correct is “Yes.” The IRS considers forgiven debt to be taxable income, though you may be able to get the taxes waived if you can show the IRS you are insolvent. This should be explained. If not – Red Flag!
Creditors may report the amount you save as income. Check with your tax advisor, and file form 982 showing your hardship and this may be forgiven.
14. Who is holding my money while I’m waiting on a settlement?
Your funds should be held at a third party escrow company in a FDIC insured trust account. If the company tells you to save your own money or to send the funds to them – Red Flag
We put your money in a FDIC insured account with a third party clearing house (we use Noteworld an A+ rated company with the BBB) You will also have your own password to access your account online or via the 1-800 number.
Call for your free consultation or with any other questions 877-883-8384 ext 8021
Saturday, August 15, 2009
Debt Settlement Can Help You
Debt Settlement / Negotiation
is an Effective Way to Get Out of Debt.
Of all the debt relief options available, Debt Settlement is the fastest way to eliminate credit card debt and other unsecured debts. It’s also the most economical. Creditors become increasingly accepting of debt settlement once it becomes evident that hardship is occurring with a consumer and that there is a strong possibility that they may collect nothing at all.
Debt settlement is designed to help you eliminate your debt in 18 to 36 months, NOT years! If you are making the minimum payments on your debt, it could take you 30 years or more to become debt free, depending on your interest rate and other factors. Through debt settlement, you can obtain total debt relief on your unsecured debt. You will save up to 50% or more, instead of paying your creditors outrageous interest and fees equaling 3 times what you originally owed. Unsecured debt elimination, through debt settlement, is a tried and proven method of debt relief which gives you the opportunity to reduce your outstanding balances and get out of debt fast.
is an Effective Way to Get Out of Debt.
Of all the debt relief options available, Debt Settlement is the fastest way to eliminate credit card debt and other unsecured debts. It’s also the most economical. Creditors become increasingly accepting of debt settlement once it becomes evident that hardship is occurring with a consumer and that there is a strong possibility that they may collect nothing at all.
Debt settlement is designed to help you eliminate your debt in 18 to 36 months, NOT years! If you are making the minimum payments on your debt, it could take you 30 years or more to become debt free, depending on your interest rate and other factors. Through debt settlement, you can obtain total debt relief on your unsecured debt. You will save up to 50% or more, instead of paying your creditors outrageous interest and fees equaling 3 times what you originally owed. Unsecured debt elimination, through debt settlement, is a tried and proven method of debt relief which gives you the opportunity to reduce your outstanding balances and get out of debt fast.
- Settle unsecured debt at 55 cents on the dollar (thats a 45% savings)
- No upfront fees ever
- Eliminate interest, late fees, and over limit penlties
- Lower monthly payments
- Stop creditor collection calls
- Avoid having a bankruptcy on your record for up to ten years
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