Credit & Debt Management Control

Have you gone or know enough about going through Credit Solutions or a debt consolidator?

As most people know times are hard and my husband like many others has lost his job. We are really considering going through a company called Credit solutions or maybe another dept consolidator. To me it seems really good but I know that sometimes you can get “screwed”. I would like to know how bad this will really hurt my credit and if any of this is all worth doing? So can someone please help us out with any information or your own personal expediences about this?

This company is a Debt Settlement firm, not a debt consolidator.

What you need to know about debt settlement firms:

Your credit card companies are not going to offer you settlements like 50%, for example, if you are current (not behind) on your payments. If credit card companies offered settlements to people who are current on their payments, then everyone would be calling them up and asking for 50% settlements. Basically, the only way you can get into a position to negotiate settlements is to deliberately let your accounts go into default. This is exactly what debt settlement firms do….They take a monthly amount from you and use that to build a “settlement” account, which will go towards paying the “settlement” at a later date. Whatever monthly payments you make will go directly to the debt settlement firm for their fees and your settlement account. All of your accounts will go unpaid for several months and will default. This is not an accident. It’s a deliberate default as an incentive for the credit card companies to accept settlements.

If you are current on your accounts, this process will ruin your credit rating as your accounts will all go into default. Your creditors are under no obligation whatsoever to accept settlements from any debt settlement firm you hire. Their response might be to serve you papers and take you to court.

As your accounts all go into default…you will get increasingly aggressive collection calls from debt collectors. It is “typical” that creditors offer settlements for defaulted credit card debt….They often do this in lieu of loosing everything if you file for BK. HOWEVER, you can never predict how any one creditor will respond to defaulted debt. They might decide to take you to court and get a judgment against you. If they win, your wages may be garnished. Debt settlement firms have no power whatsoever to stop creditors from taking this action and they have no power to force creditors to accept settlements.

****If you have already defaulted on your cards….make your own settlement offers…you can do this on your own and it puts you in control. If you do…get all settlement terms IN WRITING PRIOR to paying them.

Credit Solutions Lending.com Server Room Update

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Birth Credit $124.27 A choicebased, marketable, birth license plan or birth credits for population control has been promoted by urban designer and environmental activist Michael E. Arth since the 1990s. Previous iterations of similar transferable birth licensing schemes can also be traced to economist Kenneth Boulding 1964 and ecological economist Herman Daly 1991 Arth offers birth credits in the place of solutions to human overpopulation that may take too long like economic development and traditional family planning, are impractical like space colonization, or cruel like forced sterility, genocide, famine, disease, and war. Author: Miller, Frederic P./ Vandome, Agnes F./ McBrewster, John Binding Type: Paperback Number of Pages: 200 Publication Date: 2010/01/12 Language: English Dimensions: 5.98 x 9.01 x 0.45 inches

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Credit (Finance) $73.28 Credit is the provision of resources (such as granting a loan) by one party to another party where that second party does not reimburse the first party immediately, thereby generating a debt, and instead arranges either to repay or return those resources (or material(s) of equal value) at a later date. It is any form of deferred payment. The first party is called a creditor, also known as a lender, while the second party is called a debtor, also known as a borrower. Author: Miller, Frederic P./ Vandome, Agnes F./ McBrewster, John Binding Type: Paperback Number of Pages: 100 Publication Date: 2010/09/28 Language: English Dimensions: 6.00 x 9.02 x 0.24 inches

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Offshore Credit Card $76.47 High Quality Content by WIKIPEDIA articles Offshore credit cards are credit cards issued by an offshore bank in a jurisdiction that is different to that of the cardholder. Real unsecured offshore credit cards with credit lines are very difficult for the average person to obtain because banks refuse to issue them. Most banks will need possession of reliable credit histories and a means of getting their money back. If a customer is somewhere offshore the risk of extending a credit line is too great and so as a result these cards are only issued to clients that have long standing relationships with the bank in question. Author: Surhone, Lambert M./ Timpledon, Miriam T./ Marseken, Susan F. Binding Type: Paperback Number of Pages: 120 Publication Date: 2010/06/27 Language: English Dimensions: 5.98 x 9.01 x 0.28 inches

Credit Rating Agency $78.07 A credit rating agency (CRA) is a company that assigns credit ratings for issuers of certain types of debt obligations as well as the debt instruments themselves. In some cases, the servicers of the underlying debt are also given ratings. In most cases, the issuers of securities are companies, special purpose entities, state and local governments, nonprofit organizations, or national governments issuing debtlike securities (i.e., bonds) that can be traded on a secondary market. A credit rating for an issuer takes into consideration the issuers credit worthiness (i.e., its ability to pay back a loan), and affects the interest rate applied to the particular security being issued. (In contrast to CRAs, a company that issues credit scores for individual creditworthiness is generally called a credit bureau or consumer credit reporting agency.) The value of such ratings has been widely questioned after the 2008 financial crisis. In 2003 the Securities and Exchange Commission submitted a report to Congress detailing plans to launch an investigation into the anticompetitive practices of credit rating agencies and issues including conflicts of interest. Author: Miller, Frederic P./ Vandome, Agnes F./ McBrewster, John Binding Type: Paperback Number of Pages: 94 Publication Date: 2010/07/01 Language: English Dimensions: 6.00 x 9.00 x 0.23 inches

USA Federal Credit Union $79.66 High Quality Content by WIKIPEDIA articles United Services of America Federal Credit Union (often referred to as USA Federal Credit Union or USA Fed) is a credit union headquartered in San Diego, California, chartered and regulated under the authority of the National Credit Union Administration (NCUA) of the U.S. federal government. USA Federal Credit Union began in November 1953 with ten members as N.T.C. San Diego Employees Federal Credit Union. The employeeorganized federal credit union was initially formed to serve the civilian employees of the Naval Training Center (N.T.C.). In 1955, all military personnel working at N.T.C. were added to the field of membership. As the credit union grew, the field of membership expanded internationally allowing for USA Feds presence in the Pacific Rim. Author: Surhone, Lambert M./ Tennoe, Mariam T./ Henssonow, Susan F. Binding Type: Paperback Number of Pages: 116 Publication Date: 2010/08/20 Language: English Dimensions: 6.00 x 9.02 x 0.28 inches