 |
|
|
|
|
Credit Advisor
Our debt elimination plans are often the fastest and cheapest way for people to get OUT of DEBT.
We-
take action by contacting all of your creditors,
everyone you owe money to,
and work out a payment arrangement with each one of them, based
on what you can
afford to pay.This is not a loan.
Why use Credit Advisors?
- Work with the oldest credit counseling service with over 30 years of proven experience
helping people.
- Consolidate all of your bills not just credit cards.
- More
then just a temporary solution, we help you stay out of debt for good.
Through our
plan you make one payment per month to Credit Advisors and we pay all of your bills.
We work with every
major creditor across the country. We know them and they know us.
Our debt elimination plans are often
the fastest and cheapest way for people to get out of debt.
1) Why should I check my credit
Whenever
you apply for a loan, a job, or an
apartment, your credit comes under scrutiny. Your credit history and
credit score are
used by lenders to assess the
amount of risk you represent. Lower credit scores or adverse credit
history will result in
higher interest rates that can cost
you thousands of dollars in the long run. That is why improving your
credit is so important.
Checking
your credit report is the first step. Sometimes a small mistake can
linger on your credit report and continue
costing you money for years. For
example, if you change addresses and a bill does not get forwarded to
you, or if a vendor
makes a mistake in processing a
payment, it may remain on your record as delinquent.
2) What
is credit monitoring?
Credit
monitoring is a service in which an authorized agency notifies you
whenever an
update is made to your credit
report, such as the opening or closing of an account, a change in
address, or the processing
of a loan payment. It's a great way
to keep track of your credit standing. It's also one of the only ways
to catch
identity theft early, before any
serious damage is done.
3) How can I protect myself
from identity theft?
- Shred
or tear up the "pre-approved" credit card offers
you get in the mail. A common
tactic among identity thieves is to raid trash sites and fill out these
offers in your name.
- Don't
print your social security number on
your driver's license or personal checks, and don't give it out unless
it's
absolutely necessary.
- Monitor your credit by obtaining your credit report and credit score.
- Consider enrolling
in a credit monitoring service that alerts you of possible suspicious activity.
4) Building Your Credit History
Even
if you don't think your
credit history is good, or if you
don't think you have any at all, consider checking your credit report
to find out
just where you stand. You might be
surprised. If you notice negative information on your report, confirm
that that information
is accurate. Most derogatory
information, such as a loan payment that was 180 days late, must remain
on your credit report
for at least 7 years. However, if a
negative record is not accurate, be sure to send a letter of dispute
to the credit bureau
that reported the error. See the
section below on disputing errors. The next step in building or
rebuilding your credit
history is to get a credit card. You
may have to start with a secured credit card, in which a savings
account is used as
collateral for your credit. Also
consider special-interest cards that are oriented to your purchasing
habits, such as a
gas card or department store credit
card. No matter what card you decide to get, be sure to read the fine
print and watch
for high APR rates, setup fees,
annual fees, and short grace periods. Be sure to use your new card
responsibly and make all
your payments on time.
5) Disputing
Errors on Your Credit Report
When you check your credit report or account statements from
financial institutions
and notice suspicious or inaccurate
information, you should first try to contact the creditor or company
responsible for
the inaccuracy. Their contact
information will appear in your credit report. Minor errors can often
be corrected over the
phone. If this is unsuccessful, or
you wish to dispute the information with the credit bureau that has
reported it, it must
be done in writing, either online
or by mail. Send them a brief letter describing the error, and include a
copy of your
credit report with the error(s)
highlighted. Also include any documentation you have that proves your
position (for example,
that you have paid an account that
is marked on your report as delinquent). Be sure to include your full
name, date of birth,
social security number, mailing
address, the name and of the creditor you have a dispute with, and your
reason(s) for the
dispute. Send the letter by
certified mail and keep a copy for your records. By law, the credit
bureaus are required to
investigate your claim. However,
they will not necessarily find that the i item is an error.
Following are a few of the most
common questions asked by
people that are currently seeking help. If you do not see the answer
to your
questions feel free to e-mail or contact us directly
at 416 402 7701
What is debt consolidation/credit
counseling?
Common Questions
How can a debt consolidation or credit counseling service lower my monthly payments?
There
are a few reasons why a credit counseling/debt consolidation
service can lower monthly payments.
The most common way a credit
counseling service lowers monthly payments is through negotiations
with the creditors.
Typically, a credit counseling
service strikes a deal with a client’s creditors to reduce or even
completely drop
their interest rates.
What kind of savings
can I expect through credit counseling/debt consolidation?
Debt
consolidation is a process
by which a counseling company will
negotiate with all of your creditors to obtain the lowest monthly
obligation
needed to satisfy all of your
current accounts. Credit or debt counseling has been around for over
forty years and
is becoming one of the most
popular solutions towards reaching financial freedom and avoiding
bankruptcy.
How long does it take to get out of debt with
debt consolidation?
That
depends. But, if you are making most of your payments to just
service
the interest, it could take up to 15
or 20 years to pay off your debt. With most debt consolidation
programs, you can
pay off your debt in anywhere
from 1-5 years, depending on your level of debt and your income.
What types of debt do consolidation plans handle?
Credit
cards of all types: Visa,
MasterCard, Discover, American Express, gas & department store
cards. Other credit problems
dealt with include medical
bills, personal unsecured loans, car repossessions, old utility
bills and other unsecured
debt.
How will a debt consolidation program
help me?
Your
financial situation will be stabilized and you will probably have
additional
money in your monthly budget for
essential items. You will have a clear plan for resolving your
credit problems and you’ll
have the encouragement to work on
that plan until you are living debt free. Credit counselors will
design a consolidation
program to meet your specific
needs and help you get back on a manageable budget.
How does debt consolidation typically work?
A
debt consolidation professional
contacts your creditors to get your interest rate and monthly
payments reduced to an amount
you can realistically pay. Debt
consolidators often know the key contacts at your creditors on a
first name basis
and will try to work the best
deal for you they can. Let’s say you have an $8,000 debt with a
major credit card
at 22% interest. An experienced debt
consolidator will likely be able to get the credit card company to
lower your interest
rate.
Does debt consolidation or credit
counseling require good credit?
No,
debt consolidation and credit counseling are a way for you
to pay off you debt and rebuild
your credit rating. Unlike a debt consolidation loan (from a bank),
which would require
that a customer has good credit
to obtain the loan, debt consolidation/credit counseling services
work with the client’s
creditors to help reduce
payments without obtaining another loan and sending the customer
further in debt.
Marek Nowicki
416 402 7701 |
|
|
|
|
|
We do not work for a Banks
Debt Consolidation: |
|
|
A) We simplify your life by replacing your multiple bills with one low payment of monthly installments.
B) We have the information on a government approved Canada debt management program that helps you avoid bankruptcy,
C) Our debt reduction programs help Canadians improve their financial situation.
|
A)We will help you determine if you qualify for the government approved
program, which will be an agreement between you and your creditors for
you to pay off only a portion of your debts and extend the repayment time-line.
B) It allows you to reducey
- You can retain your personal assets...
- You can negotiate to repay only a portion of your debt (as low as 30%).
- You have up to a maximum of five years to repay your debt.
- Interest on your debts stops accumulating on the date you file.
- You may include unsecured debts such as bank loans, income taxes, credit card balances and more.
- Collection agencies stop contacting you.
- Wage garnishment is rescinded....
our debts on a monthly basis,
depending on what you can afford
Contact us today.
A) Consolidating debt is nothing to be embarrassed about.
B) It is a
positive step. We are here to listen and help.
C) All of our clients
receive our utmost attention and complete confidentiality.
D) Let's start your successful debt solution.
E) We
either respond immediately or guaranteed within a 24 hour period.
F) Consolidate your debts today. G) You will soon be able to relax and enjoy
life again!
Book a Free Consultation Today
We Help- YOU eliminate your debts and repair
your Credit Rating.
You will live an affordable enjoyable lifestyle.
Contact Agent today and start living Stress-Free Tomorrow!
_____________________________________________________
The benefit from debt settlement in order to lower their monthly
payments and enhance their savings every month. The necessity for debt
settlement due to uncomfortable loans, ineffective mortgage plans,
credit card payments and a desire for lower payment options...
| |
|
|
| |
|
"FAIL TO PLAN AND YOU PLAN TO FAIL" |
|
|
|
|
|
