The Complete Debt Relief Manual

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80% of phone calls placed to the company during business hours are answered within 30 seconds. Other resources include articles, newsletters, and blogs that help customers understand the complexities of their situation. It’s ideal if you have a basic understanding of what debt consolidation is, and want to read and learn more about it. I hope you are determined to choose the higher way,which is to legally get rid of your debt. It is recommendedthat you assign a daily spending cap, but do not degrade yourself to eatingbread for breakfast, lunch and dinner. Don't get scammed by a debt settlement, debt consolidation, or credit repair company. There are still a few things you can do to help yourself. Painstaking measures need to be taken over a course of time in order to limitthe damage you take in your bank account and earn enough money to pay off yourdebt.   i was a slave to debt for decades. I wish i had known this stuff before i got into debt in the first place. The best way to avoid a scam is to educate yourself. The dissatisfaction is usually a result of how hard it is to make those payments and not actually with the service the company provides. Help from freedom debt relief starts with just a quote. Reading listicles on the internet about debt consolidation will not necessarily help you understand the method. The complete idiot’s guide to getting out of debt by ken clark. To answer questions quickly and provide individualized customer service, customers will have one representative assigned to their case, the entire time you are in repayment. If a company has only been around for a year or two, that doesn't mean it's necessarily a scam, but it should raise a red flag.  in fact, some things they promise to do for you can only be done by you. Get help from a professional. The complete debt relief manual is the definitive guide to paying off and eliminating any kind of debt. The financial world is rife with useless jargon used to conceal what’s actually happening. This should really help people.  i have captured all of the best strategies and precautions available and have created a map to get you through the mine-field of serious debt problems safely. It’s just good, practical, advice. In fact, the company helps debtors settle about $80,000 a month of bad debt. If i hadn’t figured out their “game”, i would have spent over six-thousand dollars on their “service”. After you receive your quote, you will be given contact information for a representative at freedom debt relief. Thisshould be a very obvious point, but you will be surprised that some people willstill splurge on items they do not need. The total money makeover: a proven plan for financial fitness (classic edition) by dave ramsey. If you’re in a financial jam, aren’t sure where to turn, trust me this book will lead you through the difficult steps. I wish i had a copy of this book 6 years ago. As a free gift you will also receive a copy of my own family budget spreadsheet (a $47 value). This may require you to sit down and calculate your various expenses, and youmay even have to narrow your expenses down to a daily level.  it got to the point where i was beaten down and hopeless in debt, with no retirement savings (cashed out), no savings, tens of thousands in credit card debt, and not enough income to pay my mortgage, bills, and monthly payments. If you don’t use microsoft excel™, you can easily set up the same budget sheet in your own spreadsheet software, or just print it out and use it by hand. You may not be able to eat luxuriously,but you certainly should not have to live like a beggar to clear your debt. Print out the checklists so you can stay organized and track your progress, and get started now. Do notworry, because you can still come up with your very own debt management scheme. If you’re paying one right now, stop. To qualify for the company’s services, a debtor must have at least $7,500 in unsecured debt. Being debt free is so awesome; i'm so excited about this and can't want to share that freedom and that feeling with you. Once a debtor is accepted by freedom debt relief, a monthly payment plan will be created. As you progress, email me with questions or for encouragement. It works for some, but not for all. Before i figured out the scam and told them to take a hike, i paid them over $2,400. – pastor daryl nelson in west palm beach. It should be used as a college text book. The key to being happy with freedom debt relief’s services is understanding how the entire process works. Customers can also reach support by email and online. This book is a treasure map, a jailbreak plan, a war plan. This book is authored by a certified financial planner. Foreclosure is not dealt with due to its specialized nature and the risks involved of tackling it without an attorney. The only reason those companies exist is because most people don’t know how to quickly solve serious debt or credit repair issues on their own.  please let me save you both the time and money you would spend learning this treasure of information the hard way. It will save you many hours of set up and formatting. If customers aren’t familiar with the way this process works, they can be unhappy with the results. You will receive the book and free gift by instant download. But you, my friend, can change that right now. Hopefully they can get it before they get taken in by a debt relief company. I read the book…it’s what we’re talking about right now in our financial management class. The term itself, “debt consolidation”, can be quite perplexing. Be wary of fraudulent and illegal practices. Concerned about your credit score. Buy the book and get started today. Also, any legitimate debt consolidation or credit counseling company should be accredited by the appropriate nonprofit agencies. Don't pay a large sum upfront. I was a slave to debt for decades. How to rebuild bad credit. Thousands of customers have completed their repayment plans and gone on to financial freedom.  the wisdom in this book cost me several thousand dollars to acquire, not to mention the hundreds of hours spent researching, reading, consulting with accountants and attorneys, writing, and editing. Customers will also have the ability to monitor and adjustment their repayment plan anytime online. It even gives you step-by-step plans for dealing with creditors, collectors, lawsuits, bankruptcy, and the irs. Unfortunately, any debt relief company is going to require significant payments.  you can get out of the contract and break free any time. This book lays out workable and foolproof plans to:.

The Complete Debt Relief Manual

The complete debt relief manual is the best source of credit card debt elimination information you can find. If you’re deep in debt like i was, and you use this credit card debt elimination information, you will save yourself a ton of money. This is the latest and the most comprehensive version of ramsey’s advice for eliminating debt. Had i followed their program to the end, i would have ended up paying them $6,225. The recent news about the new york city-based debt settlement scam company, mission settlement agency, which federal agents found to be defrauding customers of millions of dollars, serves as a stark reminder of the kinds of scams consumers encounter when seeking financial help. A freedom debt relief representative will go over details of your situation and help determine what repayment methods are best for your situation. I hope you haven’t already been scammed by a credit card debt consolidation company. To help you rest easy and trust your debt resolution to them, freedom debt relief offers a money back guarantee. He learned that avoiding his own mistakes and dealing with debt problems, credit card companies, collectors, the irs, and attorneys would have been profoundly simple, if he had known the secrets and methods he reveals in the complete debt relief manual. I hope you haven't already been scammed by a credit card debt consolidation company. You can easily customize it to fit your situation. In fact, some things they promise to do for you can only be done by you. After making several costly mistakes and spending hundreds of hours of intense research i became, through first-hand experience, an expert on debt… read more…. It made him debt free. They lead you to believe you can't do this on your own. This is also illegal and fraudulent, and does not work. How to deal with creditors, collectors, attorneys, and the irs. Why credit card debt consolidation is not a good idea. They don’t have the complete debt relief manual. Read this book to learn about pragmatic debt elimination tips such as reducing interest rates and negotiating with creditors. The good news is, the company offers a free quote and requires no fees to be paid upfront. How to write a powerful and . Most importantly, the team will work to resolve debt with a customer’s debtors. The company has erased more debt than any other company on the market and offer 24/7 assistance online. Zero debt: the ultimate guide to financial freedom (2nd edition) by lynnette khalfani-cox. How to negotiate credit card debt settlements. It got to the point where i was beaten down and hopeless in debt, with no retirement savings (cashed out), no savings, tens of thousands in credit card debt, and not enough income to pay my mortgage, bills, and monthly payments. Are you worried about your debt. If you're battling debt problems, wondering how to eliminate your debts or repair your credit quickly, and you don't want to spend a fortune for "help", learn to do it yourself. I wish you good luck in clearing your debt. Are you a slave to debt. Khalfani-cox may not be an expert financial analyst, but she is an expert in balancing the home accounts during tough financial times. His passion is to help people avoid his mistakes, eliminate their debts, and steer clear of the predatory debt settlement and consolidation companies. Budgeting, paying off debt, negotiating credit card and irs debt settlements, avoiding bankruptcy, dealing with collectors and lawsuits, and credit repair – without debt settlement companies. You can do everything they want you to pay them to do. Financial advice can be hard to follow, even if you have a degree in the field. I bought "the complete debt relief manual" for my e-reader.  after making several costly mistakes and spending hundreds of hours of intense research i became, through first-hand experience, an expert on debt elimination and credit repair. However, not all debt is eligible for debt resolution. That is thewrong mindset to have. Are you desperate to getout of debt. In most situations, a debtor can still expect a savings of 30% by resolving their debt with freedom debt relief. It details helpful strategies for getting out of debts incurred by student loans, mortgages, and payday loans. Freedom debt relief lets their reputation do the speaking for them. Need to get out of debt fast. Why credit card debt settlement services are a scam. Save thousands of dollars, stop the harassment, eliminate your debt, avoid bankruptcy, and repair your credit rating. The content has been revised to include the money situation many faced following the 2008 financial crisis. The bad reviews associated with freedom debt relief are in regards to how much time it takes to repay settled debt amounts. What this means if a customer is not happy with the way their debts were resolved, they can ask for their money back. The process may be slow and it may span across manymonths, but do realize that you cannot cancel a huge debt overnight. Most customers will eventually pay between 15 to 25% of the debt trying to be resolved. The company is an offshoot of the freedom financial network and refer to themselves as members of the freedom family. Review the agreement closely to ensure it outlines the timeframe for payoff, and the exact amount the company is going to charge in terms of fees. Creditors, collectors, credit card and irs debt settlement companies and attorneys don’t want people to know this stuff – it would put them out of business. Freedom debt relief has an a+ rating with the bbb. There are proven, effective, lightning fast and virtually unknown ways to get the credit card debt relief you need. It’ll work for you. Borrowers in the following states are not eligible to work with freedom debt relief:. Freedom debt relief is a debt resolution organization created in 2002 by two stanford business graduates; andrew housser and brad stroh. The fastest way to achieve total credit card debt elimination. It’s a step above the other books on this list. Freedom debt relief offers a variety of services and features to help debtors eliminate their debt. This book is a complete, step-by-step guide to debt freedom, from any angle. Whether debt consolidation is appropriate for you will depend on your current financial situation. I began a painful, confusing, and expensive journey through the maze of debt relief options and consequences. Are you heavily in debt right now. While there are steps that consumers can take to repair bad credit, all of these steps require little to no money, just time. I would have saved $$$ thousands $$$ and lots of heartache. You can share your own personal mistakes and lessons, like we do with our children, and hopefully they will listen and not make the same mistakes. It covers all aspects, in meticulous detail, of getting out of any form of debt, repairing your credit report, and rebuilding your credit.  so to help you avoid falling victim to a scam, the following are five red flags to look for when seeking debt help: . Under housser and stroh’s leadership, the california-based company has created a premier management team of financial professionals. For more information about debt settlement scams and ways to avoid falling victim to fraudulent practices, visit ftc. The advantage here is that instead of paying several interest rates for numerous loans, you get to repay all your debts at once with a single interest rate. Debtors can approve all debt settlements made on their behalf before they are final. Knowing what i know, and being where i've been, i will never get into debt again, and my passion is helping people eliminate credit card debt (and all debt). Here are five excellent books that will help you understand what debt consolidation is:. If a customer has less than this minimum amount, they will not be eligible to enroll. Tempted to hire a debt relief company to help you. That was money i could have used to pay off debt. If you are mentally allergic to financial literature, or are not an avid reader in general, this book will provide an entertaining guide to getting out of debt. Freedom debt relief has a sliding scale fee. Please read our terms of use and privacy policy. The complete debt relief manual is a professionally formatted, searchable e-book in. Most consumers are confused regarding what debt consolidation is and what is does. You can do it faster. The author compares debt to the zombie apocalypse. Freedom debt relief services and features. Freedom debt relief has received recognition and awards in its industry and continues to impress customers. This is a no-nonsense financial guide to debt relief filled with real-life examples and comprehensive details.  before i figured out the scam and told them to take a hike, i paid them over $2,400. In addition, mmi has roots that go back 55 years. They offer excellent customer service, employ experienced members who can provide sound, legal, and helpful advice, and also provide excellent customer service with professional conduct. Then she explains how to “kill” the zombies with “weapons” like debt consolidation. Debt consolidation is one of the strategies you can try to gradually reduce and completely eliminate your existing debt. Don't get scammed like i did. Well, some of you may be reluctant to hire a professionalfinancial advisor to help you out because of the situation you are in. You can get professional help from financial advisors. You can get out of debt, fast, doing it all yourself. So if you are looking for professional financial advice, without wanting to pay hefty charges, this book is for you. The simplest definition of debt consolidation is combining multiple small debts into one large debt. It’s almost impossible to open your email or surf online without stumbling across ads to “repair your credit” or “get rid of your debt. The company does not have a cap on the amount of debt a customer can have to enroll in the program. The quote is completely free and requires no obligation from the customer. Before you decide to consolidate or not consolidate your debt, you should first have at least a fundamental understanding of what it is. Read on asi give you some managing debt tips in this article. How to write a credit card debt settlement letter that gets results. Follow the author’s advice. How it works – freedom debt relief. The popular book has seen numerous editions since. Relax, take a deep breath, and listen. I hope you have benefitted from these managingdebt tips. However, this book covers only the basics. The complete debt relief manual: step-by-step procedures for: budgeting, paying off debt, negotiating credit card and irs debt settlements, avoiding bankruptcy, dealing with collectors and lawsuits, and credit repair - without debt settlement companies. If a company isn't aware of your specific situation, but claim to have the ability to eliminate your debt in one year "guaranteed", then it's time to start asking questions. Creditors, collectors, credit card and irs debt settlement companies and attorneys don't want people to know this stuff - it would put them out of business. The complete debt relief manual by john oswald. The bottom line is freedom debt relief is one of the best debt resolution companies in the industry. Keep in mind that any legal, ethical method to repairing credit can be done by you, without any fee. She offers excellent advice on debt consolidation as well.  had i followed their program to the end, i would have ended up paying them $6,225. February 2018) get started by clicking each link below:. Don’t waste a penny on "professional help". How to create simple budgeting sheets. Sure,this may cost you some money, but at the end of the day, you may be gettinggood advice from them, and they could help you save time and stress over planningdebt management plan.  you can do it faster. How much is 10 hours of your time worth. I made every mistake with handling money you could imagine. She managed to completely pay it off in just three years. You can get out of the contract and break free any time. Additionally, freedom debt relief is also a platinum member accredited by the american fair credit report council (afcc) and accredited by the international association of professional debt arbitrators (iapda). Like most debt resolution companies, freedom debt relief has minimum liability requirements. Born from the author's painful lessons learned and personal experience, the compete debt relief manual is a treasure of accurate and effective procedures to guide your every step on your journey to debt freedom. For example, mmi is accredited by the association of independent consumer credit counseling agencies (aicca), and is also a member of the national foundation for credit counseling (nfcc). If you're deep in debt like i was, and you use this credit card debt elimination information, you will save yourself a ton of money. How to decide which approach to take. Effective cease and desist letter. The original “total money makeover” book dave ramsey wrote became an instant bestseller thanks to its solid advice for getting out of debt. You will learn everything you need to know about debt, financial planning, and debt elimination tactics like consolidation.  that was money i could have used to pay off debt. Drowning in debt and divorced in 2006, he started his journey to debt-freedom, which included getting swindled by a debt settlement company, lawsuits, an irs repayment plan, debt settlements, chapter 7 bankruptcy, and recovery of his good credit rating. Discover the well-hidden secrets the credit card companies, credit card debt settlement services, collection agencies, the irs, and the attorneys, don’t want you to know. Follow us on social media. However, companies that pledge instant elimination of your debt, or promise remarkable improvements to your credit score are not going to be able to deliver these results. Or should promise to improve your credit. This is your chance to discover proven, safe, and fast methods to win your war with debt and completely eliminate the mountain of debt you're under. However, the company has unique terms and conditions that must be met to qualify for this guarantee. If you’re battling debt problems, wondering how to eliminate your debts or repair your credit quickly, and you don’t want to spend a fortune for "help", learn to do it yourself. They promise to negotiate settlements with your creditors, and to deal with them directly so the creditors aren't ringing your phone off the hook, . When you ask former customers what they think about freedom debt relief, you get access to many positive reviews. Zombie economics: a guide to personal finance by lisa desjardins. Some companies will send multiple credit disputes of negative (but accurate) records to the credit reporting agencies, claiming that information is incorrect, under the law that information must be verified as accurate within 30 days or should be removed from your record. The rich rules over the poor, and the borrower becomes the lender’s slave –king solomon - proverbs 22:7. To know exactly what you’re getting into, customers need to make sure they know exactly what to expect when the process is complete to avoid any misunderstandings. You are not in a hopelesssituation. Are you tempted to call the (800) number for one of the credit card debt reduction or credit repair services you heard on the radio.