The ToolBox Like any other toolbox, it contains vital tools and resources for you to utilize as you work towards your desired objectives. While each individual may share the same objective (No More Debt), the unique circumstances and variables surrounding their situation are as varied as the individuals themselves. That said the Toolbox is not a program in and of itself. The various tools and resources contained within the Toolbox have been assembled from years of experience and afford each individual the ability to develop and implement their own Program. In response to their unique experiences, the tools and resources employed by one individual may not be the same as those employed by another. Think of it like a remodel to a house with you acting as the General Contractor. As the GC, you start with a budget and plans based on the specific details of what you're working with and towards. The plans developed by the architect become a tool for you to use and reference as a guide during the remodel. You have tools for those tasks to be performed by you and a list of subs for others. In response to unexpected scenarios, you may have to access other resources or change your plans altogether. The manner in which you employ these tools and resources constitutes your Program. This is merely a remodel of your own financial situation.
Cash Flow
Profiles You must first determine how much monthly Disposable Income [DI] you have. You need to know three variables:
Disposable Income Formula: [ I - E = DI ] > Profile Formula: [ DI - P = X ] [ If "X" is positive, then Solvent ] [ If "X" is ± $200, then On-the-Bubble ] [ If "X" is negative, then Insolvent ] [ Solvent ] Keep away from debt relief programs that promise to save you money. If you have the ability to make your payments with ease, it will do you more harm to enroll in a program that claims you have a right to settle for less than what you borrowed. We have a plan that will put you on a FastTrack to no more debt (including secured debts like mortgage) in the shortest timeframe possible utilizing your current cash flow and resources. [ Get our FastTrack plan instead ] [ On-the-Bubble ] It is possible to be current and still be insolvent. We see it often when someone is unaware that expenses exceed their income - i.e. available credit is used as a convenience to pay expenses such as food, gasoline etc. Once credit lines are maxed, cash accounts start to diminish until all cash resources have been exhausted. With the right plan, you can work this out with your creditors. [ Insolvent ] A plan NOT based on your specific financial capabilities will either out-perform them or (worse) misrepresent them. If you are already in or fast approaching default, the last thing you need is a program that exceeds your ability to perform. You can turn the situation around with the right plan and know how. The tools and resources from our Toolbox will allow you to demonstrate to your creditors that you are serious about resolving the situation. [ You need a plan with options ]
The Road Regardless of your level of solvency or insolvency, the journey towards no more debt starts with two principle variables--Time & Money (more money = less time / less money = more time). The amount of debt represents the distance you must travel; time-money represent the vehicles being used, both yours and your creditors. Whether solvent, on-the-bubble, or insolvent, there's an important concept for you to understand--here it is: your creditors, whoever they may be, are traveling ahead of you on the same road in their own separate vehicle. [ Solvent ] (Profile 1) If you are one of our Profile 1 patrons, your creditors are traveling ahead of you in an inferior vehicle. Your objective is to use your superior vehicle to its fullest in order to overtake your creditors in the shortest timeframe possible. All you have to do is follow the FastTrack plan tool we send you--it's that simple. [ On-the-Bubble ] - [ Insolvent ] (Profile 2 or 3) If you are one of our Profile 2 or 3 patrons, your creditors are traveling ahead of you in a superior vehicle. While the nature and intricacies of both P2 and P3 situations are slightly different, your objectives can be simplified as follows:
There is No
Comparison
What do bankers have to say about individuals seeking help from companies that offer debt relief programs? 2008 FTC workshop, Banking reps testified to the effect... "We see these individuals as demonstrating a willingness to pay but we can't communicate with them through these programs; ...banks disagree with the notion that individuals enrolling in these programs can't be helped otherwise; ...the message banks want out there is that these are exactly the types of individuals they want to deal with and can deal with." ~ American Bankers Association "Our primary goal as a company is to work directly with our card members in resolving these sorts of issues. We don't feel that there is anything that a company providing resolution programs can offer one of our card members that we can't offer to them directly ourselves." ~ VP Consumer Affairs, AmEx
The Steps
Purchase Now & Receive
Ø Document, Editorial & Situational Review Assistance ü Received a document, not sure what it is or says – we can review it with you. ü Sending a letter, notice or proposal to a creditor – our editorial review could improve its effectiveness. ü Your situation takes a turn for the worse – we may have other options to consider based on others experiences.
Ø Legal Services ü Free or Deeply Discounted ü Guaranteed Low Hourly Rate ü Contingency Fee Discounts Ø Identity Theft Solutions ü Identity Monitoring ü Theft Restoration ü Identity Theft Insurance ü Lost/Stolen Credit Card Assistance ü Document Recovery Services
Ø Tools & Resources ü Disposable Income tool ü Profile 1, 2, or 3 Plan tool ü Communication Log tool ü Who’s In Control & Other Resources ü Creditor Contact Index ü Sample Letter Index ü And much more...
|
