With the Economy the way it is, where can a consumer go to get help?
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The Bankruptcy rates are on the rise! Lately more and more people are filing for a Chapter 7 and Chapter 13 Bankruptcy. The difference between a Chapter 7 BK and a Chapter 13 BK is that the Chapter 7 wipes out the consumer’s debt and the Chapter 13 is a Repayment Plan over a period of time, usually 3 to 5 years.
Because of the economy these past several months, consumers are being laid off, with some consumers having difficulty paying their credit card debt, they do not know how to priortize their debt or the laws that govern credit, and debt. Consumers need to be educated on all of their options by Federal Laws!! This is where we at Simple Solutions Credit Consulting can help consumers unlike any other company! If a consumer has been laid off from their work, going through a divorce, have had medical problems, or just simply can’t make their money stretch to cover all of their bills, then that is where we can help.
This is what usually happens: a consumer goes to a Bankruptcy attorney to ask if they should file for a Bankruptcy. Most Bankruptcy attornies will say “of course you do”! (We know of one attorney that will be very honest with consumers and let them know the HONEST truth if they do need to file. This is Monte Alan Rich in Prescott, Arizona at: 1.928.778.4438). If a consumer goes to a Debt Consolidation place, then they will tell them, sure you need to use our services, because they want the consumer’s money. This can go on and on!
What consumers really need is a consultant who can tell them ALL OF THEIR OPTIONS, choices and rights under the Federal Laws such as: The Fair Credit Reporting Act, The Fair Debt Collections Practices Act, and The Fair Credit Billing Act. To us, it is only common sense! We all want to know this. Why wouldn’t we? If we did know all of our options, we can then make an educated decision on what is best for our own circumstance. Now that is empowerment!
Why do these companies only give us one choice, theirs? Because it is YOUR MONEY that they want!!! Most won’t even help clean up your credit reports let alone stop the harassing collection calls! Ok, maybe filing a Chapter 7 Bankruptcy can stop the calls but the Bankruptcy attornies won’t help clean up the credit reports or even tell you what you need to do to boost your credit scores. As for the Debt Consolidators, they can make BIG BUCKS either consolidating your credit card debt or receiving a “kick back” of money from the consumer’s creditors. Again, these types of companies still don’t improve consumers credit reports, raise their credit scores or stop the collection calls!
This is where Simple Solutions Credit Consulting can help consumers: improve credit reports by following federal laws; raising credit scores; stop collection calls; help with Credit Identity Theft; negotiate their debt for 40% or more; prioritize their debt; obtain and understand their credit reports; properly validate their debt within the federal law time frame to prevent new collections from being placed on their credit reports; and so much more!
There are so many reasons why you need to have excellent credit. Some of the reasons are: better interest rates; obtain good jobs; receive lower premiums on vehicle/home insurance; obtain credit; etc. The cost of having bad credit is in the hundreds to thousands of dollars! No joke!
Our fees will be based on what exactly you want us to do for you. It can range from $45 to $1195 at the very top end. Most people fall in the $45 to $695 range, with couples in the $45 to 1195 range. We are very honest and fair in our pricing and do not have “cookie cutter” fees. “This is the fairest way of doing business we think”!
If you are in need of any of these items above, please call our office to set up an appointment in person or an appointment by phone or email.
Office: 1.888.303.7722
email:
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We would love to help you to achieve optimal credit!
Valeri A. James
President and Certified Credit Consultant
Simple Solutions Credit Consulting and Training, Inc.
