The original loan amount is 2227.00. You will pay 2435.00. The cost of the loan is 208.00.

Yes, I KNOW it. But this isn’t HELP! This is wanting us to do your test and it’s CHEATING.
I’ll be happy to HELP by correcting your honest effort at at doing this.

You can start by just changing your number and writing then or e-mail . This way they have to mail everything to you . If you want to do it right keep calling and start asking for name and their employee number . This will scare them to hell . Also take note of when you call time date and how long it to to talk to who this make them so nervous it is funny as hell .

You have a couple of options other than bankruptcy, including debt settlement, credit counseling or debt consolidation loans. I’ll try to get you some help here and a company or two in each category.

I’ll go into a bunch of detail below on all of your issues below (grab a cup of coffee!)

Itis important that each consumer reflects on what their needs and concerns and financial situation is before signing up for an online debt consolidation program. The four primary concerns for most consumers are: i) monthly payment, ii) time to debt freedom, iii) total cost, and iv) the credit rating impact of the consolidation program. Be sure to evaluate each program, relative to your prioritization of these factors.

Debt Settlement
Debt settlement, also called debt negotiation, is a form of online debt consolidation that cuts your total debt, sometimes over 50%, with lower monthly payments. Debt settlement programs typically run around three years. It is important to keep in mind, however, that during the life of your debt settlement program, you are NOT paying your creditors. This means that a debt settlement solution of online debt consolidation will negatively impact your credit rating. Your credit rating will not be good, at a minimum, for the term of your debt settlement program. However, debt settlement is usually the fastest and cheapest way to debt freedom, with a low monthly payment, while avoiding Chapter 7 Bankruptcy. The trade-off here is a negative credit rating versus saving money and a low payment that gets you debt free fast. A leading company here is: Freedom Debt Relief or at

Credit Counseling
Credit counseling, or signing up for a debt management plan, is a very common form of online debt consolidation. There are many companies offering online credit counseling, which is essentially a way to make one payment directly to the credit counseling agency, which then distributes that payment to your creditors. Most times, a credit counseling agency will be able to lower your monthly payments by getting interest rate concessions from your lenders or creditors. It is important to understand that in a credit counseling program, you are still repaying 100% of your debts – but with lower monthly payments. On average, most online credit counseling programs take around five years. While most credit counseling programs do not impact your FICO score, being enrolled in a credit counseling debt management plan DOES show up on your credit report… and, unfortunately, many lenders look at enrollment in credit counseling akin to filing for Chapter 13 Bankruptcy – or using a third party to re-organize your debts. You can look for credit counseling advice and firms at Bills.com or here:

Debt Consolidation Loan
Many people think first of a debt consolidation loan when seeking online debt consolidation. This option typically means a second home loan (or home equity line of credit) or refinancing your primary mortgage. In a debt consolidation loan, you exchange one loan for another. The most frequent form is taking out a mortgage loan, which carries a lower interest rate and is tax deductible, to pay off high interest rate credit card debt. It is important to be aware that shifting unsecured debt to secured debt can create a volatile situation, if there is ever a chance that you cannot afford the new mortgage payment you are now putting yourself at risk of foreclosure! In the case of a debt consolidation loan, most mortgages are 30 year loan, which means that the total cost and the time to debt freedom could be very high… but the monthly payment will be lower than other options and there is no credit rating impact. You can look for a refi here:

Net-net: while there are many forms of online debt consolidation, many people with good to perfect credit who own homes should look into debt consolidation loans, while consumers with high credit card debt and poor credit may want to explore debt settlement or debt negotiation. However, each consumer is different, so find the online debt consolidation option that fits for you.

Like or not…believe it or not….wealth in this country is created out of debt…(loans). The caveat is that those loans have to be repaid in order produce the wealth.

Without lending, there is no business, there is no high value consumer purchase. The US economy is driven on the consumer’s ability to buy things they cannot afford to pay for all at once.

Right now, the largest banks in the US are holding about a trillion dollars of OUR MONEY…. which was given to them in order to get lending moving again. That hasn’t happened quickly enough….. and a lot of people feel the banks are hording our money.

What do you get when you have a successful small business that wants to expand…they want to hire people… but they can’t get a loan from the same bank they’ve used since their inception ?…. you get a missed opportunity to create wealth and jobs.

Because the economy has pretty much bottomed out, banks are expecting things to only get better. So, they can start taking on riskier loans again.

The “economy crisis” right now was caused by banks that were carrying risky loans (like rolling your credit card into your house) because times were good and they expected to people to eventually pay them off. Now that people aren’t paying their mortgages, the banks have a problem.

The federal reserve should be audited and then abolished.

Contacting a credit counselor or credit counseling service should be your first choice. But you can even try contacting your lenders and attempt to reach some resolution. You may succeed for a short time, but you will never be free from their clutches. All you can get is the lower payment at higher interest and no freedom from the debt. This means you will never be free from the debt. Professional credit counselors have helped many people who have landed themselves in the financial mess and have bettered their personal credit scores. There are many free consumer credit counseling services that might fit your situations better.

Because there are still people out there that are living in a dream world where they forget that what ever they borrow they will have to pay back.

The phrase “get credit flowing normally again” is throwing a red flag for me. “Normal” credit flow for the last decade has been irresponsible…..I say stick to straight-edge lending. It may take longer to boost the economy, but at least it won’t be an artificial boost that will end in another credit bubble bust.