A1 Financial Management Services

You can often detect warning signals of over indebtedness long before collections notices. If more than 2 or 3 danger signs apply, get help from us by beginning the debt settlement process.

• You have begun charging to a credit card essentials like food, and daily expenses
• You make only minimum payments on your charge accounts each month
• You take cash advances from your credit cards for incidental expenses
• You are at the limit of your credit cards, or have too many cards.
• You are unsure how much you owe creditors

• Are you feeling the effects of your debts more and more every day?
• Are you paying high interest rates?
• Are you making minimum monthly payments?
• Are you STILL seeing high balance that NEVER comes down?
• Are you getting calls from creditors?
• Do you want to reduce your monthly payment up to 50 PERCENT?
• Are you afraid to answer the telephone?
• Are you worried there is NEVER enough money to go around?
• Do you have over $2000 in unsecured debts?
• Do you Sincerely want to get out of debt?

If you answer YES to most of these questions, it’s time to regain control of your finances. Don’t let problems from your past affect your ability to secure credit in the future.

Our exclusive “Debt Management” program will not only give you back control, it will save you time and money. So Don’t wait, take the first steps, to regain control.

Many Consumer Credit Counseling Companies tout their non-profit status. Many consumers confuse “non-profit” with “no charge for services”, or charity. Non-profit Consumer Credit Counseling Companies may still make substantial amounts of money. The way Credit Counseling works is that you typically meet with a Credit Counselor who analyzes your unsecured debts, other obligations, and your monthly income. A credit counselor then formulates a monthly budget and presents a plan that includes lowering of some credit card interest rates and sometimes, the monthly payment typically around 11% interest. The Credit Counseling Company then contacts all your unsecured debt Creditors and requests that the consumer be permitted to repay the debt at a lower interest rate. During the program a single monthly payment is sent to the Credit Counseling company and they in turn make payments directly to all your creditors for the next 48 - 72 months. Read the rest of this entry »

Debt settlement and debt consolidation are two great ways of reducing your debt but each have their own benefits and detriments which you should consider before deciding which option to persue. Debt settlement eliminates part of your debts, while debt consolidation reduces the interest rates of your debts. While debt consolidation may have the least amount of impact on your credit score, there are cases when debt settlement is a better choice. Read the rest of this entry »

Did you know…

• Over 70% of all marriages that end in divorce are due to financial problems.
• 75% of all Americans are only three paychecks away from bankruptcy.
• 105 million Americans will file bankruptcy due to unsecured debt.
• 1.5 million will participate in consumer credit counseling.
• 37 million will TRY TO NEGOTIATE WITH CREDITORS THEMSELVES - which the creditors love, because people with debt troubles are not professioanls and don’t know how the system really works.
• On average, when you purchase something with a credit card, you pay 132% MORE than if you used cash.
• Typical minimum monthly payment for a credit card are divided into 90% interest and only 10% to principal reductions.  The principal amount on your credit card is what the product or service you bought cost you.
• Over 71% of all credit card accounts have only the minimum monthly payments being made by consumers. 

Don’t be a statistic!  Begin your path to a debt free future now.