How to fix credit after a financial tragedy throws people into two groups: those who make a plan quickly following disaster and those who stick their heads in the sand…for years.

grief-stricken-lady-take-controlKaren Myers of Port St. Lucie, FL, has more than suffered her unfair share of “loss”

She’s lost her job of 9 years.

She’s lost her savings while trying to find a job.

She’s lost her car to the repo man.

As if Karen hasn’t suffered enough, she’s losing her home of 7 years to foreclosure.

Karen should be emotionally and physically devastated…this kind of loss typically rocks most people to their very core…for years.

Not Karen. She remains upbeat, relying on her faith to provide her every need as she takes part-time work to pay the bills.

For now, this is what Karen has to do. To give her some breathing room, she’s filing for bankruptcy protection so she can remain in her home and save some money.

Karen knows she’s not alone…hundreds of thousands of others are suffering right along with her. The difference is that Karen has a plan, though she knows not what tomorrow holds.

Daily, this is the kind of story I hear…the tragic stories of people just like Karen and MD (below) who yesterday were enjoying their “normal” lives only to have the rug pulled out from under them today.

Foreclosures. Bankruptcies. LOSS…LOSS…& more LOSS. Where (and when) will this end?

In my credit forums at Repair Credit Fast, a person named “MD” indicated she/he is going through divorce, soon to be followed by a foreclosure. More loss…more confusion.

With all that’s going on, MD needs help making difficult financial decisions guaranteed to have long-lasting effects.

Click the “Read More” link below to get my response to MD’s questions about

PLAN TO FAIL OR FAIL TO PLAN?

[click to read more…]

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Welcome back! Got a question for me...or an experience to share? Please go to the bottom of this article to ask a question or share an experience. :) Thank you!

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Bad Credit Repair teaches Tim from Idaho how easy it (can be) to face up to and overcome bad credit challenges…that is, once Tim gets REAL about credit repair!

Tim, it’s your lucky day!

You’ve come to the right place for improving your credit and getting your “good credit” life back.

You really can improve your credit with good information and a solid game plan.

You do NOT have to clean up everything bad on your reports to get whatever it is you want from from “good” credit.

You simply NEED to do enough so you can get whatever it is you want from “good” credit.  This is what I told Tim from Idaho, who asked me for help.

Click Read More below now for Tim’s bad credit situation. What Tim thinks is harmless actually could HURT (not help) his credit.

WHAT YOU DON’T KNOW ABOUT CREDIT REPAIR CAN HURT YOU!

[click to read more…]

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Repair credit fast promises and pitches fill my email inbox every day. The pitch promises to cut my debt up to 60%…cut my credit card debt up to 50%…get me debt free in 12-24 months…& return my life to normal.

For heaven’s sake, this is exactly what I want.

I want to be debt free in 12-24 months with a 60% cut off what I owe.

I want my credit card debt cut in half!

I want debt collectors off my back!

I want my life back to normal!

Staring at me in the face is the perfect ad claiming it’s “so easy it’s monkey proof.”

debt-help-monkey

Monkey proof? Huh? Wait a minute! Where’s my brain? Who are these guys making these promises?

Where’s the proof?

How much do you want to bet me these ads are lead-generation ads from an Internet Marketer who’s getting paid on a “cost per action”?

Don’t be the “action” by filling out one of these forms. Please don’t bite on the power words used including “guaranteed” and “completely debt free….”

Be careful now.

debt-consolidation-offer

Wow, …guaranteed debt reduction by up to 65%!

Completely debt free in 12-30 months & no service fees…!

A better alternative to credit counseling, bankruptcy & debt consolidation? Sounds sooooooooo good, doesn’t it?

You see, this is what lures many people to a bad situation. They “bite” on these hooks, desperately wanting to be debt free.

Why would I (or anyone else) give these guys my personal information…just because they say so?

This is where I’m asking you to pay close attention: Please do not give strangers your personal information until you are 100% certain you can trust them and until you clearly understand what they can (and will) do for you.

Every day, I receive emails and phone calls from people (including members of my monthly newsletter THE BIG EXPLOSION @ Repair Credit Fast wanting to know about these companies putting out these pitch (lead gen) forms.

Click the ‘Read More’ link below to discover how to strip away the hype and scam from the “get debt free” pitch.

CUT THE ‘BLING’ FROM THEIR PITCH

[click to read more…]

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Debt collector gets called out for strong-arming debtor, whose lack of debt knowledge makes it easy for debt collectors to score quick, easy paydays.

Debt collectors know you don’t know your rights.

Debt collectors know they can intimidate you into paying up…without questions or debt validation.

What would you do if a debt collector showed up at your front door, spewing four-letter words at you? What would you do? Check out a YouTube video below exposing one dirty Jacksonville, Florida, debt collector.

Notice To All Dumbass Debt Collectors: Paybacks Are HELL! I like how this debt collector gets his “payback”….

Click Read More below now to hear how Attorney Craig R. Lewis would “go after” this (Florida licensed) debt collector. To STOP dirty and abusive debt collectors means all of us MUST know our rights…or else!

STOMPING THE DIRTY DEBT COLLECTORS

[click to read more…]

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“Credit law repair ‘firm’ did nothing for me but steal my money month after month and drop my scores from where they were,” complains Marcia S. of Orlando, FL.

credit-law-repair-seek-imageUnfortunately, Marcia is not alone in her disgust with credit (dis)repair companies.

According to Marcia, Lexington Law Firm is the most recent (dis)repair company to steal her money and drop her credit scores while hitting her bank account month after month…until she wised up.

Marcia is not alone.

On the Utah State Bar website, there’s a letter from  a very upset (former) Lexington Law Firm customer, who is accusing Lexington Law Firm of “stealing” his or her money month after month and dropping the letter writer’s credit scores.

Marcia and this letter writer also are not alone.

I’ve heard it many, many times before in my years of helping people rent-to-own their homes in  Orlando, Tampa & Sarasota (FL).

Whether it’s Marcia or the person who complained to the Utah State Bar, I hear the same complaints: THEY are not fixing my credit…THEY are quick to hit my bank account each month.

Before you get your hopes up, thinking Lexington Law Firm or any other (dis)repair company will fix your credit you might want to read this letter writer’s well-documented indictment.

I’ve heard it 100’s of times before.

Click the “Read More” link below to discover exactly what caused this letter writer to complain (in writing with the letter below) to the Utah State Bar about Lexington Law Firm.

ANGRY CUSTOMER CALLS LEXINGTON OUT….

[click to read more…]

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