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:.