The financial and lending
industry wants you to be in debt.
Banks, finance institutions, credit card issuers, personal
account granters, auto
lenders etc,
all want you in debt and it’s not even the principal they
are all
interested in, it’s the interest!
Think of it this way; if you were lent $15,000 today and
paid back the entire sum
next week, how would that profit a lender? It doesn’t. But if the
lender can get you
to make the bare
minimum monthly payment while charging you a high interest
rate,
then they are going to
profit from you a lot more then they hope you will ever
know.
The money will always increase
for the lender and if the consumer can be enticed
into enough debt, then they will become a slave to the
lending industry.
FREE
DEBT CONSOLIDATION ADVICE & PROGRAM |
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Free
Debt Consolidation Management program can help you:
- Reduce your
monthly payment amounts
- Reduce or
eliminate interest
- Improve or
rebuild credit
- One lower
monthly payment
- No home
ownership or credit check
- No obligation
- Path to becoming
DEBT FREE
Simply
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Debt
Consolidation Overview
When paired with the right
agency, Debt Consolidation allows you to pay down your
debt
and keep a good credit history. A debt consolidation
program is a process that allows a
professional firm to negotiate with your creditors to
achieve the lowest and most affordable
monthly obligation needed to satisfy all your credit
accounts. All of your accounts are
consolidated into one manageable payment.
The payment you make, in most cases, is significantly
lower than you are currently paying
to each individual creditor. This lump-sum monthly
payment is divided into portions and
paid
out to your creditors.
Do creditors want you to consolidate? Probably not. But
fortunately, they would rather
compromise than take a chance of not being paid at all.
That's just common sense, taking into consideration that
most consumers have been
paying
high interest, late and over limit fees for some time.
The creditors already made a profit. Now most of them
are willing to reduce or eliminate
interest to get back their initial investment.
Now, will they make the
compromise directly to the consumer? Unfortunately no.
When you contact a creditor, you speak to an agent with
no decision making power.
They are
trained to keep you where you are, in debt and high
interest. Most will even
use scare tactics
and tell you they don't participate in any consolidation
programs.
That's either a lie or they are
just not privileged to that information.
The reason creditors will
not work directly with consumers is that they don't
think there
is a
big enough problem. They seem to forget that they are
not the only creditor that
people are in
debt with. But when they are approached by a
consolidation company that
they agreed to work
with, a red flag goes up.
Now they know, if someone is seeking relief through a
third party, there is a problem.
Then they have no choice but to compromise. If they
don't, then there is a change they
will
not get paid at all.
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