Freedom from debt could be what you want if you are piled up with debts and don’t know what to do and how to get out of the sticky mess. You could get services ranging from credit card debt counseling, debt consolidation, debt settlement or even bankruptcy issues. Consumers coast to coast have been badly hit by the recession and their problems have mounted with foreclosures, job losses and pay cuts.
When two graduates of Stanford Business School started off by offering relief to consumers through Freedom Debt Relief, they had many takers. Everyone wants professional help and expertise for getting out of debts as they cannot do it on their own. In no time there has been a surge to get real time help for coming out of the sticky mess the economic recession has landed them in.
It is not easy to work out an effective debt relief program on your own as you have to deal with creditors and lenders who have already lost some faith in your ability to pay back. You can email or call up for counseling help from Freedom Debt Relief and get upfront information on whether you are eligible for debt relief. Most consumers skip this first step and throw in the towel straight away.
More leverage with creditors
Once the counseling services take up your case at Freedom Debt Relief , they start contacting your creditors. Consumers also feel that they can negotiate on their own. But, after defaulting on payments, credit card companies are a little wary of dealing directly. They prefer a mediator in the form of a counseling service, and they also enjoy more leverage. They handle cases like yours and have a way with lenders and creditors for offering debt relief.
It is common to decide how much you can pay. Once you start paying, they collect the money, and after a certain amount builds up, they contact the creditors. Freedom Debt Relief is possible only when they can bargain for a settlement that is not hard on you. And credit card companies have many other consumers facing the same debt relief issue like you are doing.
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A few weeks ago Equifax, one of the three credit monitoring bureaus in the United States, was breached by hackers. The hackers got access to personal information such as Social Security numbers, addresses, birth dates and much more.
Now as you can imagine, it’s a scary thing to think there is someone out there who can get credit in your name without you knowing about it. And while we can all sit here and point the finger at all the things Equifax has done wrong, at the end of the day that does no good.
The most important thing you can do right now is be proactive and do what you can to protect yourself.
One of the quickest and easiest ways to safeguard yourself is to place a freeze on your credit.
What is a credit freeze you ask? Well a credit freeze is exactly what it sounds like. Your credit will literally be “frozen” until you “unfreeze” it.
When there is a freeze on your credit no one will be able to use your credit. Anytime a creditor tries to run your credit it will come back blocked. This means scammers will be unable to get credit in your name.
The only time your credit can be used is if you yourself call in and “unfreeze” your account. This can only be done by you and you must have the secure PIN that was set up when you initially froze your credit.
About Freedom Debt Relief
When it comes to debt negotiation, Freedom Debt Relief (FDR), is at the head of the class. They are taken seriously by creditors and have helped consumers just like you get out of debt within a matter of months.
They are known as one of the big players in the industry and will use their knowledge, experience and reputation to negotiate with your creditors on your behalf. For more info about us: https://twitter.com/freedomfamily?lang=en click here.
To learn more visit them online at www.FreedomDebtRelief.com.
Adjusting to a new school term after a long holiday can be challenging. You have to start preparing for the new term in advance. For starters, always ensure you have a list of all you need including the schedule from the school. Most schools offer parents a list of the essential required when the schools reopen.
At times, the lists are usually similar to those provided in the previous years. Budgeting in advance for the academic term gives you peace of mind. Be sure to list goals in your budget as they guide your spending and make it more meaningful. Desist from shopping in advance; instead, take advantage of the back to school offers that are premiered just when schools are about to open.
By doing so, you will save a lot. Before any purchase, outline the things that are a priority such as the classroom tools, meals, uniforms amongst others. Once you take care of the supplies, create a schedule that will guide you through the term. As a parent, make the most out of the orientations to understand the school and interact with the teachers. Before the school reopens, ensure your kids have cleared homework and get as much sleep as possible.
Just like in a new school term, budgeting and financial planning is an important aspect of life. Most people create short-term and long-term goals to guide their spending and to improve their lives. The Freedom Debt Relief organization helps you plan these goals by ensuring that you have enough savings and that your income is not tied up in debts. With programs running for between 24 to 48 months, the Freedom Debt Relief company offers a personalized plan to help you cut down your spending.
You will work with a certified counselor and a detailed plan that allows you to monitor your progress. The company also works directly with creditors and can negotiate the payments and debt. After the 30th, 60th and 90th day you will receive regular updates from Freedom Debt Relief. The journey to a debt free life requires commitment, hard work, and persistence.
Visit Freedom Debt Relief’s Facebook Page: www.facebook.com/FreedomDebtRelief