HAPPY NEW YEAR 2009!

What are the top three resolutions that most people make for a new year?

#1. get more money (out of debt)

#2. be more healthy

#3. have more time to enjoy life

What are the top three GOALS that most people make (for a new year)?

SAME AS ABOVE!!!

What is the difference between RESOLUTIONS and GOALS ???

webster definition of resolute: firmly determined in purpose

webster definition of goal: aim, purpose

There is not much of a difference, however, resolutions may be set temporarily while goals are set until achieved. Are you making resolutions OR goals in 2009?

This year we have some amazing goals for Next Level Unlimited. It starts with Next Level Credit. We will be reaching out to online and offline consumers to assist them in their dire financial straits. By conducting free seminars, we will travel locally and cross country giving consumers imperative information to help them change their mindset and their financial mission in life. The seminars will also be recorded (possibly live) on this website too to help you as much as possible.

To all the consumers who do not know what to do about unemployment and current (and future collection) debt, let us give you direction. Been there, done that! How determined are YOU this year - this new year - 2009 ? Who are you going to depend on for money? Take hold of the “reins” of where you CAN go!

What are your goals for 2009 or for the next 3, 5, 10 years ?

Let’s work on all THREE GOALS !!! 

Together.

NEXT LEVEL CREDIT

The report was about credit cards and how they are changing their interest rates without cause. In other words, when a consumer is late or over the limit, the creditor CAN change the interest rates. It is on the contract in the teeny tiny itty bitty print.

NOW it seems the creditor is changing the rates and not to be stopped WITHOUT CAUSE. We are still looking into the facts of this report, however, we wanted to write this article to give a heads up about the possibility of being factual. Call your creditor about rate changes.

Also there is new legislation to stop this but it is going into effect late 2009.

If a consumer is not able to pay the new payment with the increasing interest rates…what happens? The account goes delinquent. In 6 months, the account will be sold to a debt collector.

One of our clients has multiple business failures due to the stop short of the economy. They had to start living on credit cards to survive. Now the payments are too high and the interest is outrageous. Their business were flourishing. Now their credit cards are maxed out, unable to pay and the collection letters are arriving in their mail.

This is not an isolated situation. This is happening all over the country with employees also.

The good news is that we have the answers for you.

Educate yourself and empower yourself here.

If you have questions, feel free to call and ask. If you want us to do the letter writing for you, we can and we will.

NEXT LEVEL CREDIT

The financial arena of our economy is practically changing minute by minute. There are some upsides and downsides to the changes in regards to credit cards and collection debt.

Here is an article we fell upon not too long ago. We have heard this more than once and we thought that this would be good information for our readers.

CREDIT CARD LIMITS BEING CUT BACK

Upside - consumers are evaluating their DAILY spending habits

Downside - consumers may already be maxed out on credit cards

Upside - changing to an alternative means to have money besides credit cards

Downside - no more instant gratification

The credit card industry is changing quickly. We could see THAT writing on the wall. Even though the industry cuts its limits, they will still lure in the consumers with low FICO only because they are easy bait and big profit. The credit card industry still wants/needs to sell its paper. It IS a commodity. A trillion dollar industry.

The collection debt industry will grow even more and quickly with this state of the economy. There are more consumers that are facing debt collectors because of hardship. The collection agencies are popping up moreso on the horizon with a fax machine, letterhead, phone number and address and like magic they are in “business”.

We know though that as much as consumers are getting wiser about debt collectors. The collectors are counting on the new non informed consumers who will pay the crooked companies. Our vision is that one day there will be many consumers that will have the power to shut down this industry. We are here to see that happen one day soon.

NEXT LEVEL CREDIT

We recently had the opportunity to watch “MAXED OUT” on one of the cable channels the other night. We want to comment on one particular point that was mentioned in the documentary. MBNA and the bankruptcy law. Although there are many points to expound on, we feel that this one particular point at this time is very important due to where we are in this economy.

Next Level Unlimited is not going to write about politics and the elections. However, we will write about the parties involvement with the credit cards and collection debt industry on both sides. We are here to write about hope and moving forward with wealth. We are here to empower the consumer with their rights on fighting debt collectors. Our crusade is to fight the corruption in the collection industry.

In “MAXED OUT” there is a part about the bankruptcy reform act of 2005. This was the act that changed the requirements for consumers to declare bankruptcy. We did some research about these consumer credit hearings in 2005 and here is what we found.

“So what does the bill do?  It makes it harder for average people to file for bankruptcy protection; it makes it easier for landlords to evict a bankrupt tenant; it endangers child-support payments by giving a wider array of creditors a shot at post-bankruptcy income; it allows millionaires to shield an unlimited amount of equity in homes and asset-protection trusts; it makes it more difficult for small businesses to reorganize while opening new loopholes for the Enrons of the world; it allows creditors to provide misleading information; and it does nothing to rein in lending abuses that frequently turn manageable debt into unmanageable crises. Even in failure, ordinary Americans do not get a level playing field. ”

The government made it more difficult for consumers to get out of their financial hardship situation. When this act was put in effect in 2005, it ensured that the consumer could not declare bankruptcy as easy as previous years. The consumer would remain in dire straits with not a lot of options if any. Next Level Credit does agree with bankruptcy as an option depending on your financial situation. The law is in place for that reason. If it was not an option for our consumers why have bankruptcy options? This law will also keep the consumer in severe credit card debt. Late charges, interest and over the limit fees and on is huge profit for the credit card industry. It is basically the pulse of profit.

Here are three disgusting shockers:
shock number one:
MBNA credit card giant wrote (most of it) and funded the bankruptcy reform act in 2005. Funded! Funded?

“The president, well aware that credit card giant MBNA is one of the Republican Party’s largest donors, has promised to sign the bill as soon as someone hands him a pen. ”

shock number two: MBNA funded the Bush campaign. Funded! Funded?

shock number three: MBNA funded the Joe Biden campaign Funded! Funded?

MBNA donated more than $200,000 to his campaigns. The Delaware-based company gave a job to Mr. Biden’s son Hunter; flew Senator Biden and his wife to the Maine coast, where Mr. Biden spoke at a company retreat; and its former chief executive, Charles M. Cawley, donated at least $22,500 to a nonprofit breast cancer fund started by Jill Biden. (NYT Oct 1, 2008)

For the record, Biden’s home state (Delaware) famously holds the incorporation papers of large credit card and financial services companies. He voted for the final version of the bill which was cleverly titled the “Bankruptcy Abuse Prevention and Consumer Protection Act of 2005,” but it wasn’t aimed at preventing abuse or protecting consumers, and everyone knew it. (Huffingtonpost.com Aug 23, 2008)

Does this make your blood boil and your jaw drop to the floor?

Why would MBNA fund these campaigns? You figure it out. We welcome your comments here.

You can fight back! Contact government and tell them how you feel about this. Both parties are sleeping with the enemy.

The financial services industry began seeking relief from Congress in the mid-1990s from an increase in bankruptcies that was cutting into its profits. Its initial support came from Republican lawmakers, who repeatedly introduced bills to make it more difficult for consumers to erase their debts. During that time, executives at MBNA, which was bought in 2006 by Bank of America, began donating heavily to both major political parties and many national politicians, including Mr. Biden. (Philly.com Aug 25, 2008)

This is ONE MORE REASON (govt control of bk reform) to take control and have your own business.

NEXT LEVEL CREDIT

You are gonna make it radio interview

We are set up to fail with credit card companies. CNN says credit card companies trap the consumer. The only way to get rid of the collectors and collection debt is to know the facts. Knowledge is power. Collection debt does not have power if credit card companies cease to exist. Is that possible?

NEXT LEVEL CREDIT

We are here to educate you. We are very serious about NOT having credit cards. We want to help you prevent financial chaos and next thing that occurs from credit card debt is collection debt.

NEXT LEVEL CREDIT