HOPE DEFERRED ? Get rid of debt collectors

May 28 · by Next Level Credit

Personal note from the creator of Next Level Unlimited

Just when I had hope for more breakthrough with credit cards….Well I do have LOTS OF HOPE. HOPE keeps me moving every minute.

But with credit cards, I get very disturbed. This morning Elizabeth Warren was on a cable news program. She said that the credit card agreements are 32 pages!

I have known about her ever since she was on the film “Maxed Out”. She is sharp. She should be on TV with her own show instead of Suze Orman.

Here is something I want to show you. This site gives me hope when I first came across it.  This gives many people hope. Click on it. Do not fill out the forms.

HOPE at first…

Debt Clear Then the form changes to a trial membership for 30 days and then paid for ID protection.

ID Lookout Then the form is filled out and takes you to a payment form.

Protection Then the form is filled out and takes you to the member site.

PROTECT MY ID – final stop.

When you fill out the FIRST form with debt clear, you will receive a call. I received a call from a representative.

They told me on the phone that a debt specialist will be contacting me. And a specialist called within 10 minutes.

Now the reason I am writing this is because I had hope that debt clear would actually wipe out credit card debt. The potential of how MANY people this could help.

Marketing LIES !!!

I am sick of the bait and switch – was this bait and switch??? The site was debt freedom to ID protection to debt consolidation!!!

I am strongly opposed to debt consolidation.

ON A HAPPIER AND HOPEFUL SIDE OF LIFE . . .

The other night on Fox Business News, one of my favorite radio hosts, Dave Ramsey had an event…go look at this… TOWNHALL FOR HOPE. He only focused on 3 IMPORTANT THINGS. Keep the main thing the main thing.

He is actually instrumental in my business launching officially last summer BEFORE wall street did crash. He does not know it but he said to a caller “do your passion” and “why would you go back to school when you know what your passion is”. REVELATION FROM GOD. I will never forget that day. Yes God was speaking through Dave Ramsey. And here I am. I am working for God. TO GIVE YOU HOPE. Hope that you will not always be dealing with collection agencies and you can get rid of debt collectors. Hope that you will come out of this situation smarter and wiser. You will have a testimony.

NEXT LEVEL CREDIT

“Taking Your Credit to the Next Level”

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Hidden meaning for collection agencies?

May 20 · by Next Level Credit

If the laws are changing for credit cards and helping the consumer – which we highly doubt – then what could happen to the collection agencies over time?

At a glance: Proposed credit card law

http://finance.yahoo.com/banking-budgeting/article/107102/What-the-New-Credit-Card-Law-Means-for-You

 

  • What’s happening:
    • The U.S. Senate has approved the toughest credit card restrictions in its history. If signed by President Obama, portions of the law could take effect starting in the fall with most protections starting nine months after enactment.
  • Why it’s important:
    • A new federal credit card law will tilt the playing field toward consumers by removing some of the credit card industry’s most profitable and punitive practices. Consumer advocates favor it. Card issuers warn it will drive up the price of and limit the availability of credit cards at a time when the country needs more spending to stimulate the economy.
  • What’s next:
    • The House and Senate versions of the bill must be reconciled. The final version could be signed into law by President Obama by the end of May.

     

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AFNI may look legit on a credit report with Verizon listed as the account. Verizon/GTE accounts seem like small accounts to attempt to collect. Volume matters. AFNI specializes with OLD Verizon (and possibly Qwest) accounts. Time barred meaning older than 3 years at least. These date back to the 1990s.

The owner of AFNI is Lisa Anderson in Bloomington, IL. This collection agency is known for lawsuits. Currently, they have over 100 federal cases, not to mention how may state court cases on the dockets. The proof lies with the debt collector to provide valid information. They are not allowed to report an alleged account that is time barred to place on your credit report. However, AFNI does not comply with FDCPA and FCRA.

If you find this company on your report, or you receive a letter from them, check the date of the original creditor account. Is this paid off? AND Is this time barred? The SOL will apply and send an SOL letter to stop AFNI from attempting to collect.

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“Taking Your Credit to the Next Level”

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All of these companies – Resurgent Capital Services, Alexis, LVNV Funding, Sherman, Pinnacle, Ventus, Performance Recovery Group – are intertwined, so do not be surprised if you receive two letters in the mail from 2 of these collectors on the same alleged account attempting to collect. It happens often. There is a trail of each of these companies merging and buying out, but what does it matter anyway? They are junk debt buyers.

It is rare with each of these companies that they can validate the debt. These collection agencies buy huge portfolios of worthless accounts. Your original charged off debt is bundled together with thousands of other credit card holders.

Often these companies are listed on your credit report as original creditors. This is easy to dispute with the credit bureaus.

Resurgent sends bogus credit card offers to get the consumer to pay them.

They file lawsuits with fake affidavits and pleading. The affidavits with these companies are known to be false and fabricated. The employees of LVNV Funding and Resurgent Capital blatantly lie about the authenticity of these alleged debts.

The only method to stop these particular collection agencies is to fight back and beat them at their own game. AND report them to your state attorney general.

NEXT LEVEL CREDIT

“Taking Your Credit to the Next Level”

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