Here is the key to your Financial Toolbox

Thursday, October 14, 2010

Living With Your Debt Free Decisions

When you think about your debt situation did you ever think about how you got there? Was your debt situation a situation that was beyond your control like hospital bills, disability payments that had stopped, a financial arrangement that was not honored, bankruptcy of an associate or a partner and so on? Getting into debt is not always your fault. We know you can’t always blame others but you should make it clear to yourself how this happened to you. With the big question to yourself should be, how do I repay the debt? If you go back to the opening entry and read it, the opening statement is about not just thinking, but knowing where you want to be financially in ten years. It is a goal statement! I know where I am going to be financially in ten years and I will be doing exactly what my goal had stated. I already have the foundation steps of my game plan in motion. The one thing you have to remember is, there are no get out of debt for free passes out there. Unless you take the steps necessary to solve the problem your debt will be there to haunt you. What we offer you here at Finding Financial Freedom are the stepping-stones for you to live a life free of financial bourdon. Your first step is to make up your mind what you want to do, develop a plan, implement the plan and take action. We have the tools for you here at Finding Financial Freedom and Help With - Debt Rights. When you use our web address, a landing page comes up where all the products and services described in this blog are. Unlike this blog the landing pages have more products and services content. You can open the advertised websites in new windows in the Help With - Debt Rights pages. There you can easily compare the products to help you. The websites are easy to compare when all the websites you choose are open in a separate window. You can minimize one website to look at the other. Finally, in Help With - Debt Rights there are four pages of self-help products and professional financial help services for you to look over with more to be added as we research them.

In a short time the home website for Help With – Debt Rights, Scotty’s Specialty Shack, .com is going to be redesigned as a Debt Free Shopping Solution Website offering only Pay Pal as its main payment outlet. Coming in November and December if the associates we advertise for do not offer a beneficial product or service or a way to pay from your bank account safely we will not advertise for them, making room for only debt free shopping websites and solutions. The websites out there that do not offer debt free shopping are a dime a dozen and Scotty’s Specialty Shack wants to be a leader in solving debt problems and not creating debt problems by offering only responsible payment methods. For now Scotty’s Specialty Shack is transforming and Help With – Debt Rights is there for your debt solutions. We will keep you posted on our progress with Scott’s Specialty Shack.

In the mean time an associate we are going to highly endorse is e-Billme. e-Billme is a website dedicated to Debt Free Shopping in a very convenient way. You can signup with e-Billme directly through your bank account in a safe manner by using e-Billme’s safe signup method. Also, e-Billme has payment centers all over the USA to make your payments in cash for some that do not want to pay online for one reason or another. You order what you would like through any of e-Billme’s retailers then print a receipt take to the receipt to a e-Billme Payment Center then what you ordered will be delivered where you have specified. e-Billme Payment Center locations are specified on the e-Bill me website. Why shop online with e-Billme? The reason is you can get warehouse direct prices from many different retailers. You find something in the store you like, before you buy retail check e-Billme and buy the item with the benefit of paying cash you can get even better than sale prices. In some cases you can get up to forty to fifty percent savings with e-Billme online coupons. e-Billme is like a savings club and you do not have to pay a fee to be a member.

Another safe way to stay on your budget and not use credit cards is to link your accounts to Pay Pal. Many online shoppers use Pay Pal fo their purchases online. In fact Pay Pal is one of the originators in safe online payments. There are many linking options with Pay Pal and Pay Pal is one of the leaders against fraud with its alerting methods. You can also receive payments with Pay Pal making Pay Pal a great source for online transactions. Lastly you can dispute any purchase problem using Pay Pal as your vehicle for a dispute. This can save you time with phoning in a complaint or a getting a refund. Click on one of the Pay Pal keywords or the sign up for Pay Pal which will be on the side bar.

One other online budgeting idea is to buy a Visa or American Express Gift Card to do your shopping online. For a small fee you pay by purchasing these gift cards can save you big in interest dollars down the road while helping you stay within your budget. You can also recharge these cards so you do not have too many Gift Cards in your possession with small balances on them, or save the cards up with small balances and do something special for yourself. Just be careful and watch for expiration dates with these cards. They also can loose some value if you do not use them within a specified period of time. Any way you look at it, it is a great safe way to shop online, get great discounts and stay on budget. You can use the same idea for your regular shopping if you do not like to carry around a lot of cash. You can also use Gift Cards as a budgeting tool with many of the things you used to use a credit card for including on the telephone purchases. Lastly the best card to use is the Visa Gift Card. The Visa Gift Card is the most widely accepted with most purchases. However, the American Express Gift Cards are good if the Visa Gift Card is not available to you. You can get these cards at your Local Supermarket.

Now that we have some suggestions on how to shop online we would like to show you one more shopping solutions for now. This associate is called the UXcell Online Wholesale Outlet. When looking over this website we saw some great sale prices on the UXcell’s Website merchandize. Some of the savings at the UXcell Online Wholesale Outlet are up to forty five percent from the retail price on many items. The UXcell Online Wholesale Outlet has the potential of being a great website for you to shop for gifts with their warehouse direct low prices. The UXcell Online Wholesale Outlet accepts Pay Pal making your shopping experience easy.

Cleaning Up Your Financial Well Being

As we had said at the beginning of this entry we need to know where we have been to know where to go with you financial decisions in the future. To know where we have been means we should look over our credit past. There are tools you can use to do this yourself. As you look over your credit past have a pen and paper handy and take notes. You want to go through what is on your credit report and make sure there were not entries made on your credit report that did not actually happen by you or to you. These are call derogatory entries to your credit report. Derogatory entries are also put on your credit report when you have violated a credit policy such as being late on a payment and so on. My father,s and my name are similar and we have found things that have crossed on our credit reports. If there are derogatory entries you need to dispute them if you did not break the credit policy. This will help you with your recovery. Make sure there is no fraud activity going on in your credit profile ether. We will discuss this in some detail next week and how to combat some of these problems with your credit reports and score. We will have for you some sources of prevention and help to research and use. To check your credit report we have three sources we can suggest in credit monitoring. We offer three sources so you can choose a program you believe best suits you. All these sources are leading credit monitoring services and offer different programs. All these services alert you when there is activity in your credit report to help you monitor your progress and prevent future problems with your credit well being. The first is Credit Score .com which was one of the original credit monitoring services. The next is Free Credit Score .com probably the most widely known from their commercials but not affiliated with Free Credit Report .com. With the last being my FICO score .com, which is our last popular option. Look over the three and see what best suits your needs and sign up.

Here at Finding Financial Freedom we realize that this blog is not for everyone. In some ways this blog is back to basics financing. Back to basics is simple financing and if you are in financial crisis thinking simply offers a little comfort after dealing with debt collections and the complexity of a severe debt situation. What we want you to achieve is simple using some of the technology of today with some old time basic living and yesterday’s ideas in spending and saving. It is our wish to give you a bright financial future and hope you go back and read the past entries. If you are new to this blog please feel free to browse this blog and it will not be hard to catch up knowing this blog is a new blog that just started to post recently. With that thought it is comforting enough to know that there will be more Finding Financial Freedom to come so bookmark this blog address. We want you to come back time and time again for hints, products and services to strengthen your financial well being. We will be adding some interesting articles and videos in the future with more helpful hints in getting along while paying back your debt. The ideas are endless and it is to our contentment that we have sparked some hope for you and those around you.

Day by day becoming Financially Free seems like an uphill battle. Week by week it will start to get better for us, and month by month you will grow, prosper while being innovative with your finances. It takes a little time, a little patience, and a lot of discipline but as the time goes on you will see we can become Financially Free Together Forever!

A Promised Addition To Last Week’s Entry

For all our readers that are Job seeking we have found another source for you to find employment. This website is At you can post your resume for free. also offers tips on tweaking your resume. is a great source for employment with over 850,000 jobs posted. We at Finding Financial Freedom hope that will help with your job seeking needs.

Wednesday, October 6, 2010

Making Ends Meet

For many of us carrying debt is a part of life. Some of us manage our debt without over extending our limits. Many of us with the demands of this economy presently many of us will become over extended in our debt. Some of the latest statistics are saying that the average American is spending a dollar and ten cents for every dollar they are earning. In the past year or so there have been many laws passed to help consumers with mounting debt, counteracting many of the laws passed in the early 2000’s that favored the banking industry. The laws of the early 2000’s in today’s standards were not favorable to the consumer or small business. This has been proven by this current economy and has put many individuals in economic distress. We have briefly gone over some services, memberships and bankruptcy to help those who are in need of solutions. We have only just begun with all the work we still have to do in this blog. We have not even touched the surface of budgeting and cutting the fat out of your budget. This blog is about survival tactics without lashing back at individuals and staying close to those we care for.

If you are new to this blog it may be a good idea to go back and review the material in past entries. We know this blog is not for everyone, but for those survivors who want to deal with their debt problems and rebuild their lives bookmark this page. There is more Finding Financial Freedom to come. This week we are going to add credit-monitoring websites to our sidebar as well as one other source for bankruptcy lawyers. Rocket Lawyer a membership website where you can get legal advice and forms. Rocket Lawyer could be an inexpensive way to get the information you need to make a decision on any bankruptcy issue you may have. We are also going to add Just Ask. Just Ask is a website where you can ask any type of question and experts will give you answers. Just Ask is good for those individuals that are undecided and do not want to be influenced by a financial consultant or sales person.

Ideas To Get You Going

I want to take a moment to make an introduction to someone who is one of the innovators of online marketing. Our intent here is to give you some ideas on how you can start getting some cash together in your spare time. Bob Satchel has made money over the Internet for two decades. He is not one of those self proclaimed Internet Gurus. He has down to earth ideas and there are of seven hours of those ideas on video and audio in what Bob has to offer. There is also an e-Book that explains these ideas in more detail. Ideas as simple as placing the items around the house that are collecting dust and you don’t use in online free ads. Bob explains in detail the proper way to display your ads online to make them more attractive to buyers. Or ideas on getting started with eBay showing you the right way to auction and maximize what you make with those auctions. Bob also explains the best time to post your auction items with free websites to help you get the most from what you posted. All this is done in a down to earth manner to help you clear away some clutter and help you with the struggle with finances. It is as easy as turning on your digital camera, borrowing a digital camera, or having a friend as your photographer and downloading your pictures. That is only the beginning of all the ideas without the intimidation and fables of the Gurus. Bob calls his course Internet Riches Made Easy. I call it Working On the Internet Made More Realistic. It is worth the time and the money invested and you will get results as long as you know there is work involved. Bob and Internet Riches Made Easy makes working on the Internet seem easy when you know what you are doing. The Internet Riches Made Easy Audio (only) is Free for a short time. Look on the sidebar for Internet Riches Made Easy.

The next Idea we want you to see is freelance writing. In this website Go Freelance you can actually do writing jobs at home. Go Freelance also has job opportunities filling in forms. Go Freelance is a self-employment opportunity. If you have some talent writing or you are fast and accurate with a keyboard you may want to check into Go Freelance. According to Go Freelance there are thousands of writing and typing jobs in their network. Go Freelance is a membership website and they are currently offering a seven day free trial. I do not know how long the free trial will last so look into Go Freelance soon.

The other work from home offers are more sales than working on the Internet. Both are low cost to start. Both are single tier marketing and not multilevel marketing like most other marketing websites. The first one is a relatively new company it is called Natures First. Nature’s First is a diet and dietary supplement company. This can be done either on the Internet, with leads, with get-togethers, parties or whatever your skills and ideas are in sales. Nature’s First also offers free training over the phone. There are also sample specials which you can purchase with other marketing tools. The Start up cost with Nature’s First is low. You start by buying and trying one or two Nature’s First products. How you start depends on the package you choose. Once you choose a package by buying one or two products you will be given the website. Nature’s First e-mails you every Monday about the Monday night training calls. These training calls can be reviewed at any time if the Monday night call is not convenient for you. We want to remind you this is a young company and you can get started just by trying Nature’s First products at retail cost. Nature’s First also has a good compensation plan with down to earth ideas of income and marketing. Other than purchasing Nature’s First products there is no monthly Hosting Fee for your website..

The last idea we have for this week is My World Plus. My World Plus is free to look into. If you do sign up as a marketer it is fifty dollars with your first months membership fee of twenty dollars. If you just want to look into the savings plan that is twenty dollars and then decide whether you want to be a reprehensive or not. You can also just look at the program for free. The training is free. Again you have from five or six websites to choose from at all times with Banners and support with many different types of marketing schemes. You can start out marketing to your friends and neighbors, start clubs with My World Plus training calls every week to guide you. My World Plus is a discount merchandiser advertising products, restaurants with online discounts coupons with a My Word Plus Membership and discount card. My World Plus is referral membership. With each months membership you get over two hundred dollars in coupons with your membership being recognized by many retailers listed on the My Word Plus website. Remember you can look for free and then enroll. If My World Plus is not for you, you can cancel your subscription at any time. Lastly, just pay your monthly membership fee and you website hosting is included.

Please remember all these suggestions take work to be successful. Our intent is to give you extra income ideas. If you are unemployed and looking or a stay at home parent giving these ideas a little more effort is fine. There are individuals making money using online tools. However, until you get good at operating a online business and making a good positive income, Do Not Give Up Your Day Job! The Rewards will come later.

A Source For Job Seekers

Employment and marketing are not going to be the main theme here at Finding Financial Freedom, but we do realize many of you are struggling because a family member may not be working at this time to help with the family expenses. We also realize many of you have lost their jobs and are seeking employment to get back on your feet. We want you to help you find something suitable for you. We are now connected with Job Member Access Center a job placement website that looks to be for the higher management and professionals. From what we have read there are restaurant management, hospitality management, industrial management, professional and executive, positions open through Job Member Access Center. Unfortunately there are not skilled positions at Job Member Access Center. In the coming weeks we will be looking for a general employment websites for everyone. When we come in contact with one we will do a special posting.

As the weeks go on you will find that Finding Financial Freedom is dedicated to your future and how you can come to one place to help you with ideas from A to Z in solving financial problems. Some ideas will be back to basics and some innovative ideas to help you take the route you decide to successfully make your debt go away.

Next week we are going to briefly talk about credit monitoring. We will be going more in depth with credit monitoring the week of October 20th with credit repair. If you are just guessing your credit score you might be surprised that it may not be as bad as it seems. If there are problems with your credit report are or incorrect entries to your credit report you want to fix, we will provide sources that can help you with that. We are also going to get into online debt free shopping solutions. There are great values when shopping online the key is not to use a credit card. We are going to show you how you can pay cash online and save. You can pay for your purchases through your bank or a local office where you can pay cash. We want to do this early so the many of us with families do not have to sweat the Holiday Season while saving money and staying on budget. We are looking to help you solve your problems one day, one week, and one month at a time. So we all can become Financially Free Together Forever

Tuesday, September 28, 2010

Making The Tough Choices

Sometimes it seems like such a struggle to get along carrying so much debt. At some point you have to realize you need just to sit down and analyze your situation. If you are new to this blog in the past entries we have set the groundwork to help you do this. This blog is new and it will not take to much time to catch up so going back to the first entries may be a good idea. As this blog goes on we are going to get to the specifics of the topics we have covered to date and we will be referring back to these pages you are reading now. We are also going to cover the A to Zs of getting back on your feet and living a debt free life. You may think I am going through these topics rather quickly, but knowing some people really need help and need it fast we wanted to get solutions out so they can be looked at and implemented as quickly as possible. Day to day you get frustrated by the runaround from the people in the financial industry that seem to have there own agendas in mind instead of offering you solutions. We want to bring solutions right to your computer screen so you can decide what is the best action for you. If an advisor is not willing to give you options how are you going to know you are taking the best route to recovery? In the last entry I had told you the route I took twelve years ago. While being satisfied with the help I received I thought the result could have been better considering the loyalty and the time spent paying back my debts. We all have to know this is going to be a long process and you have to be disciplined to get a good result. This is where I hope this blog can give you hope and comfort. We know this blog is not going to be for everyone, but for the ones that follow by reading and participating in this blog you are taking the first steps to solving your debt problems and should be congratulated for being honest with yourselves and taking action. You will find as this blog goes on a feeling of comfort as your debt disappears and you gain wealth instead of debt. For those of you that want to stay with this blog bookmark this page because there is going to be more Finding Financial Freedom to come.

Dealing With the Calls and the Mail

It was twelve years ago and sometimes it seems like yesterday when I was declared legally blind. For me as a heavy equipment operator I didn’t only loose a career that I enjoyed I lost my main source of income. It just wasn’t like I could just get a job anywhere. Landscaping and park construction was all I knew. My heart goes out to everyone that who has lost their jobs in this current economic decline, a physical condition or any other cause. I can recall what it was like when I could not pay my bills any longer. My saving grace was that my wife’s career was starting to blossom. I still cannot forget those original days after my regular work had ended. The phone calls and the mail made it seem like creditors were terrorizing us. It was unrelenting the mail and the phone calls. At that point knowing how to use a computer for me was something I had talked about instead of using as a source of convenience. So I proceeded to do all my research the old fashioned way in contacting help by phone and public transportation. You can only imagine how slow that process was. But the problem was dealing with debt was not the only thing I had to overcome. It was all the other problems associated with my glaucoma I had to deal with at the same time. There was no mercy from those creditors as they were determined to get payment. I can still remember my wife sitting up in bed in the middle of a dead sleep and shaking because of the constant pressure and what we were going to do about the debt problem. At that point I had contacted Consumer Credit Counseling after reading the ad on a bus going to a part-time job I had just gotten just a few weeks earlier. I was still dealing with creditors until the week before Christmas when finally my first payments made their way to my creditors from Consumer Credit Counseling. I had contacted Consumer Credit Counseling in early November and it took over a month and a half to stop the calls.

If you are going to deal with your debt yourself we can only suggest an e-Book called Stop Creditor Harassment. In Stop Creditor Harassment is information and form letters in a PDF format so you can fill out and send the letters necessary to your creditors to stop their overwhelming correspondence. You can find Stop the Creditor Harassment at help with -debt rights. Keep in mind as long as debt collectors know they have the right to call you they are. The longer it takes for you to quiet them the nastier they get. Forget the number on threatening them. The only thing to do is being nice, and take action. If you feel you can deal with the harassment hang in there but if you want some space to work out solutions Stop Creditor Harassment is a great source to start with. Put yourself in a position to protect your rights. The creditor and debt collectors have employees and lawyers protecting their rights you should do the same. Stop Creditor Harassment gives you what you need to deal with your creditors and your rights. Just remember after you file with your creditors to stop the unnecessary correspondence you only have a short time to implement a payment plan, settle your debt, or hire a lawyer and file for bankruptcy. Even if you consult a lawyer you have as fast as the lawyer works to file your paper work to quiet the debt collectors so you may want to start ahead of your counsel and give yourself some peace of mind.

Contemplating Bankruptcy

Some people believe that filing for bankruptcy is a quick bailout. The process only happens as fast as you can get your case into Civil Court. Usually three to six months. In the mean time you have constant reminders from your creditors to settle your debt. Even after bankruptcy you have constant reminders when you go to apply for credit. It may be obtainable but at what cost? This process goes on for ten years and if you have financial difficulties within those ten years you cannot file for bankruptcy in the ten years from the date of your bankruptcy. If you straighten out your credit and pay on time it takes seven years to get your credit back into acceptable shape. if you work your credit solutions out with your creditors yourself. However, your credit score and report improve by each month you pay on time without default. Right now it may seem like a harder course to take but you will get better results faster if you can avoid bankruptcy. If there is any way possible for you to pay back your debts without bankruptcy no matter what any one tells you, you will save yourself years of possible agony. With bankruptcy you will not get a good rating after the ten years are up. You still may have to work on your credit rating for some time to get your credit rating from fair to good adding more time to your total recovery.

I have seen instances where bankruptcy has helped people but for me that was only birds eye views of what a family member and a friend went through. With a family member, and sometimes you know how that goes, you only get the parts of the story that they want you to hear. What happened with my friend was back in the early nineteen eighties, after he was laid off from a local tire plant. In both cases their lawyers advised them of one thing. No matter what else you default on do not fall behind in your mortgage payments. As a result both families got to stay in their residence and they got to keep their homes. When you file for bankruptcy there are three different chapters or laws commonly used to file under that basically tells you which of your possessions you can keep and what becomes part of a settlement. Forget the high dollar imported automobile as it will go with the bankruptcy so get ready to drive a regular used car as just an example of what may be the first things that will be seized. How you file depends a lot on your personal or business status. Another thing to keep in mind there are the three different ways to file but there are two types of bankruptcy, which are voluntary and involuntary. Involuntary is when creditors call for your assets in Civil Court and at that point a judgment is rendered against you. You want to avoid this at all costs because all your property is in jeopardy. Voluntary is where you have the most control over your assets, leaving you in better control of the results of any judgments. We will go on more about that in the future. In the mean time it is best for you to speak with a lawyer about what your bankruptcy options are. In help with – debt rights we have the forms to file for bankruptcy yourself however this is one instance that we may insist you consult a lawyer and not try to handle a bankruptcy on your own.

If you have been with this blog for the few weeks this blog has been making steady entries you know that a lawyer is going to want you to get your paper work together. It may be a good idea to revert back to Getting Started portion of this blog for help. If the law firm you choose hires an accountant for you this can get very expensive. You may not have to pay your creditors but you will have to pay the lawyer so keep that in mind when preparing for your visit to the lawyer. Also do not get upset when he or she asks you to reference and give him or her more information. I say this because it can get a little more personal than is comfortable for you. Just work with your lawyer and be patient. I know this from a different situation I was in dealing with my disability coverage recently. For those of you that have your paperwork together try to find someone to recommend to you a good lawyer. Referrals on lawyers seem to be the best and may leave you in the most comfortable position to take action. Finding a lawyer can be exhausting. You can look through the phone book or Legal Match can help you. Legal Match is a multiple-listing website that will help you get in touch with a lawyer in your area to help you with your specific needs by filing out a form. You will find Legal Match in help with - debt rights. For all you that have a busy schedule this may be a good option. Just make sure no matter what you do, you do not settle for second best and be comfortable with who you use. More on bankruptcy later, as we get more information I will post it on this blog as a special entry.

Next week we are going to talk about how we can shop online with a few online shopping solutions. With the Holidays coming, and with the season of hope we want to give to you solutions for hope. Also for people that are short on cash we are going to look at an e-Book video and audio to help you raise some cash to deal with many of the problems you are facing. You will be surprised on what you can do to start raising some money and you can start right from home by starting small. All with little or no money down and I am going to repeat no money down. Noting works like cash when you are in need.

Keep in mind if you can do it yourself or if you need some help it is here in this blog for you. Just stay disciplined and confident, and let’s all become Financially Free Together Forever.

A Promised Update To This Entry

We found Better Bankruptcy as a significant source for more bankruptcy information. As you go through this website Better Bankruptcy has different articles about themselves and the different types of bankruptcy. Better Bankruptcy also keynotes some of the signs in which you should contemplate bankruptcy. We here at Finding Financial Freedom will support any decision you should make only you know your situation. However, we at Finding Financial Freedom still urge you to look at all the options before declaring bankruptcy. Ten years can be a real life changing challenge and there are many alternatives in the entries, on the sidebar and at help with – debt rights. We will still be here for you to help you with other services, suggestions and solutions here at Find Financial Freedom no matter what course you take.

Tuesday, September 21, 2010

Finding Help

If you are new to this blog you may want to go back to the beginning and catch up. Since this is a new blog itself catching up will not take that much time. As we go on I will remind everyone that this Blog is a guide to services and not one professional wanting you to look only into one service. For some of you may just want to clear up some nagging debt, while others may have a serious debt situation. The only reference point I want to bring up is that this blog contains referenced material to help you come to an educated decision with more than one option. There is no easier way to this than to bring the information to you in one place.

Thirteen years ago after starting a small contracting firm I was falling into debt after having problems getting paid from contractors I had completed work for. I should have known that working for contractors was a slow pay industry and they were borrowing the money from me instead of a bank. At first this was great money but it was seasonal work. Between the seasonal work, start up costs every year and the slow pay the good money eventually turned to debt and after a while it was not even a living anymore, while making it a struggle to pay all the bills that came due. To finalize everything when I had turned forty I was diagnosed with Glaucoma, and twenty days later I was declared legally blind. At that point I knew I would never drive a car let alone a truck or operate equipment again. With the help of a friend I liquidated my equipment but I still could not pay off a large some of the unsecured debt and all I had was a part time job. The part time job was all I could keep if I was to receive disability. I was declared legally blind in October twelve years ago, and my disability benefits did not start until the following April.

At this point I had contacted Consumer Credit Counseling. We worked out my budget and the counselor had determined it would be impossible for me to pay the payments they had set for me. Then I explained that my wife was working and we had worked on our own budget and shown the counselor a copy of the budget. With the Counselors figures we came down with a different determination and I had managed to get into the program.

You can easily see with my situation, how you may have gotten into your situation. We all have good intents of repaying the money but circumstances can alter your plans. This does not mean you are a dead beat or any other thought a debt collector may have. But you have to accept the fact that you signed a contract and that is where they have you when you cannot fulfill the obligation. What we all have to take home from my situation is that situation could have been avoided by better use of unsecured credit. The bottom line is that no matter what credit you use, you have to follow a plan to pay back your debt and stick to it. You will always in one way or another be held accountable for what you borrowed. It took me a little less than five years but I did pay the debt back with the help of Consumer Credit Counseling.

You would expect after completing my obligation to endorse Consumer Credit Counseling. It may work for you but this is where you have to decide. When I started with Consumer Credit Counseling it was a free service all I had to do is send the payment. The payment had to be a cashier’s check or a money order only they did not accept automatic payments or debit cards. That did not seem to be a big obstacle; however by the time I completed my payments Consumer Credit Counseling had added a processing fee to my payments. They also say they are not for profit. However, that doesn’t mean they don’t have expenses they have to pay. This just means they have pay their expenses like office space, stationary, advertising, employees and the executives. When you figure the costs in operating anything even a nonprofit agency, you still need to look at your options to make sure you are doing what is right for you. Just because Consumer Credit Counseling is nonprofit does not mean they have the best product or service for you. The last issue I would like to bring up about Consumer Credit Counseling is, for almost five years I had paid every payment on time and the credit rating I had was only a fair credit rating because I had used that service according to the Credit Bureaus. I thought I should have gotten a better rating for being faithful to the obligation. However if you feel you can’t afford or do not want to pay upfront fees for help this could be a good resource for help. You will pay a fee for processing your payment as you go and that may end up more expensive than paying an upfront fee.

There are companies out there that specialize in debt management, credit repair, loan modification, and mortgage solutions. It is not a bad idea to look into these companies. For more information go to help with - debt rights and you will find the companies we endorse. D W Scott Financial is a company with debt and insurance resources as well as investments and financial planning. D W Scott Financial also has a very comprehensive website with good information about them as a company and how they can help you. MACs is another source to look into. MACs stands for Mortgage and Credit Solutions. In this site you can find different programs to help you with your Mortgage and Credit Solutions. As an extra feature in the MACs website there are other programs to help you rebuild your life as well as your credit report and credit score. Both programs are well worth your time in checking into. There is a third company and they offer just debt relief. Without all the bells and whistles of the other two debt settlement companies just to keep it simple Empire Debt Relief may be another option. There is one point we need you to remember, Empire Debt Relief only settles credit card debt. Lets face it dealing with debt is agonizing and keeping it simple with Empire Debt Relief may be right for you at this time. All three services have free consultations.

Now saving the best for last in our research we stumbled over this gem that we believe will work best for those of you that have a debt issue instead of a debt problem. This program, which is an online debt service that helps you personally settle your debt. Debt Goal is more of a membership site that helps you settle your debt faster without affecting your credit rating. They do this by making your money work to your advantage in paying down your debt. Debt Goal is true do it yourself debt management. To me Debt Goal is as good of a product as the Debt To Wealth Series or would work well with other debt management e-books and credit repair services, in helping you rebuild your credit score faster. Self-management means that you can leave an emergency credit line open while you are paying off your debt. Just remember that is an emergency account only or you are defeating your own cause! All these e-Books, services, and memberships are offered in help with - debt rights.

Before we end this entry, it is Important to remember as you do your research you have to figure in all the factors in your situation. How it will affect your credit score and report? And what will it take to get my credit score and report back to acceptable once I have taken action? You have to consider that almost anything you do these days is dependent of your credit rating and report even when it comes to your career or in some instances auto insurance and other services you may need. Unfortunately you could be misjudged in getting a job, the job you may want or be qualified for with a bad credit rating and report. The most non-evasive way to deal with your debt is if you can settle your debt yourself. That is why I strongly recommend The Debt to Wealth Series, The Debt Solution and /or Debt Goal. If you have a good credit score and you are not overwhelmed by debt these might be the best solutions for you. There are other helpful e-Books in help with - debt rights look though the ads and see which may suit you. If you have a good credit score you may just want to seek a debt consolidation loan first. It can’t hurt and you may be surprised with a good result. America One maybe a good source you can check into for a debt consolidation loan. America One is a multy listing financing source. If you are just plain overwhelmed with a falling credit score some kind of debt settlement may be in order. If you have the threat of wage garnishment and so on, bankruptcy may be your only way out. Bankruptcy should always be your last option and we will talk about that next week.

In the next blog we will be looking at harassing phone calls and mail and how to deal with the issue. We will also get into bankruptcy the pros and the cons. As this blog builds we will also talk specifically, blog by blog on the different ways to pay off your debt along with the A to Zs about getting back on your feet. Lastly to get a credit report and monitor your credit scores you can go to Free Credit Score or My FICO Score available in help with - debt rights. With a little research and if you need it some help, you will see we can become Financially FreeTogether Forever.

Tuesday, September 14, 2010

Getting Started

As you go through all the upcoming information in this blog, I want you to know the format is going to be on the real human side (Lower Income, Blue Collar, Middle Management, or Middle Class) of debt and its effects. Professionals whether legal or financial are welcome to follow however, this blog will always stay in a format that everyone can understand. Professional terms will not go unexplained as they would in a courtroom or discussed by other professionals. I firmly believe that people should be led into a competent decision that can only come from exposure to multiple resources.

I have seen the ads, I have read the emails, I have gotten the phone calls, and it has sent my head spinning at the amount of professionals and services trying to get my attention. Consider this blog a safe haven if you have some serious financial problems. If people do not have other information that they can compare, how is anyone able to make a competent decision about their financial future? You can seek advice, but you and only you should make that final decision. Your financial future should be up to you not a lawyer or a sales person that has their interests in mind by influencing your decision. I also believe that those individuals will still have plenty of work from educated or well-informed individuals that are seeking their help, and the dishonest ones exposed. When people are desperate the vultures sure know how to lurk. We also want to make sure people are protected against scams. Be extremely careful of phone calls inquiring about your debt and interest reduction offers. Especially credit card interest reduction where they ask for money on the spot. You do not want to enter into anything without negotiating and a signed contract or agreement that you are confident with.

With all that said, lets get started. The first thing you have to do is get all your financial statements together. Separate all your statements into categories. Bank Statements, Mortgage Statements, Installment Loan Statements, Credit Card Statements, and so on. Do not forget any odd local taxes this always seems to come into play along the line. Get only statements from the last three months or more to make sure you cover everything. List monthly, your monthly income, your household expenses, your living expenses, your travel expenses and your debt. Do this for the past three to six months.

Now this is where the rubber meets the road! The Dept Solution is a reasonable download you can use as a guide, or I have one that is highly recommended. It’s The Debt to Wealth System. You have probably heard The Dept To Wealth System advertised on the radio or television. In this series of downloads is a series of seminars. You can view them or listen to the over and over. John gets right to the point of the problem with this informative, and entertaining series of downloads. There is also an easy to use workbook to get all your financial information together. If you already have The Debt to Wealth downloads refer back to them as they are very helpful. If you do not have a copy of either The Debt Solution Or The Dept To Wealth System you can get them at helpwith-deptrights.

The Debt Solution
is written by Brandon Schmidt who is Canadian and if there is a concern that the financial system is different than here in the US, but the concept is the same.The Debt to Wealth System written by John Cuummuta. John’s debt solving skills are concrete. However, These downloads may not be for everyone so there are more offered in helpwith-debtrights. What we are trying to do is get you to where you stand financially in hopes of giving you direction and start lifting your spirits. You also have to be able to figure out whether you have the ability to pay the debt. Not even John or Brandon can do that for you. John had the ability to pay you may not. Not having the ability to pay is not the end of the world. We are going to start talking about direction in the next blog. If you are having problems with excessive phone calls go to the Stop Creditor Harassment Guaranteed ad click on it and get if you believe it will help, offered in helpwith-debtrights. We will talk about the calls in the next blog briefly and then in more depth in the future. We are also going to talk in future blogs about the unemployed, how to get some liquid cash together for necessities and to pay down debt, with many ideas from A to Z to help make us Financially Free Together Forever!

Tuesday, July 27, 2010


You would expect me to begin this blog by bashing our financial system and financial institutions. This will not be the case. I am not going to take the time to bash the educational system. That is up to educational institutions to make financial management a priority course for every student. I do not even believe that our parents were at fault. If they were not instructed by their parents the right financial techniques, how are they going to teach you strong financial skills. However, I do believe that debt is a real social problem that needs to be addressed. Debt is a major factor in stress, depression, failure of relationships, divorce, and even suicide. I did not even mention all the addictions that can be attributed to the stress of debt. The truth is the latest statistic say that up to seventy percent of American Families will be seeking financial help in the next five years. That’s not to mention the current economic condition.

Now that I got you through the shock wave, let us look at the problem. When we were younger, our parents and teachers used to talk about how bad it was to fall in debt and go bankrupt. Your parents or teachers only instilled the fear of bankruptcy but did not guide you properly in how to manage you money. Teaching these values is a process that takes time to instill in anyone, and it just does not happen over night. This is most likely the reason why you are reading this information now. Reading this information is a wonderful thing. Why? It is now my passion to help as many people get on track as I possibly can. I do not want to waste your time in bashing the system I prefer taking the time to guide you through your dilemma, if one exists. For some of you, who do not have a serious debt problem, just think of this as a start in building a terrific future of being debt free and building true wealth. I just want you to be put in the right position, and the rest will be up to you. You will find many resources as this blog continues. Unlike one-sided sales professional with this blog you will gain the knowledge and the resources to help you keep from stumbling on your way to financial recovery.

I am sure your first question is how am I going to do this? The answer is that I am not the one that is going to teach you. Other professionals are. My job is only going to be to suggest and guide you. There are other resources that can help you and I am going to guide you to them. Some are going to be low cost, some are going to be little or no money out of pocket (if you need professional services), and some going to be free as in free reports and video. You will be in control of becoming debt free and it will be interesting, enjoyable, rewarding, with the content constantly updating.

Now you say what makes me an authority on debt? Certainly not a degree! I am just like you, except I have successfully paid off all my unsecured debt before. How did I do this? I went to seek counseling and did it without going bankrupt. It takes time patients, discipline determination, and dedication. Since I have gone the process before I want the job coaching you because I am in the process of doing it again. You will not feel alone during this process. Yes, we together, will change our financial future!

Do you remember that real estate crunch of 2007? That Real Estate Crunch is now firmly planted in many of our minds. Yes, I was in that crunch financially. After paying off all that debt in hopes of becoming an investor I used resources that now I have to pay back. Then I had a problem with my disability being denied because of a mistake an Investigator made in my case. This happened after being disabled for eleven years they wanted all their money back. Between the lawyer’s fees and all the unsecured debt I used, I am back in my debt dilemma and now I am in the process of paying back all that debt over again. That is why I say we can do this together. You will eventually see why I am to blame for my dilemma because I want you to see my trap in taking on debt did for me, so it does not happen to you. It is the question of good debt vs. bad dept. Again. this is why I say we can do this together. Which brings me to the reason I chose a blog format instead of a regular website. You can be a part of the process by commenting and being involved. That is where this process will become interesting and I hope entertaining. So, find and click on the keywords, phrases, and banners get the products and services you believe that best suits you. Everybody’s financial standing and situation is different. Finally let me do some of the research to guide you, let others show you the way, and let’s become “Financially Free Together Forever.”

Thursday, July 22, 2010

First Steps To Financial Freedom

Relax and take one moment to think of where you want to be ten years from now. Will you be peaceful and happy? Will you be free from debt or will you be bogged down with financial obligations?


I am Blaine Scott, and in the picture with me is my granddaughter Stella.

I know ten years from now I will be helping her Dad chase the boys away and I will be Debt Free while building my wealth to help take care of my family for generations to come. Can you say the same thing?
No matter what your age financial planning is essential. You are never too young to start. You don’t want to say I will do it tomorrow because you may be to old to become debt free before you know it. Please join me as we go step by step in solving our bad financial habits and replacing them with good financial habits through online seminars, reading materials, professional services, fun interesting videos, and sharing ideas. So read through the introduction and let’s become Financially Free Forever Together!