Attorneys:
NACA wants you!
For
information on the National
Association of Consumer Advocates visit
www.naca.net
The ALTERNATIVE to
Bankruptcy Program
A confidential, professional
program for consumers unable to meet their
unsecured credit card obligations.
The better option to filing for bankruptcy or enrolling in
credit-counseling.
YOU'RE IN
OVER YOUR HEAD - WHAT ARE YOUR OPTIONS?
Make the Monthly Payments
You will face the uphill battle of your creditors refusing
to assist you, raising your interest rates and charging you
outlandish fees. Example: Making the minimum monthly payment
on a $1,000 balance @ 21% A.P.R. will take you approx. seven
years to pay off. The creditors will enforce their
contracts. Most charge-off rates are over 30%.
File for Bankruptcy Protection A Bankruptcy will stay on your credit for ten years and
follow you for life, exposing your personal finances as
public record. The Bankruptcy Reform Act makes
it even more difficult and include a possible payback to
creditors, mandatory counseling and a longer recovery
period.
ALL of your assets and credit cards MUST be declared. You
stand the chance of losing insurance on your home, auto and
loss of security clearance.
Enroll in a Credit Counseling/Debt
Negotiation Program
Credit counseling is a modified form of bankruptcy. These
organizations are paid a commission averaging
12-15% of what you pay them for disbursing your funds to
creditors. The fact you are participating in credit
counseling is reported to the credit bureaus for up to seven
years PAST the three to five years it takes to complete the
program.
Stop paying, walk away from the debts
The preferred choice for most consumers, but not the easiest
as it exposes you to a barrage of calls and
letters. Debt collectors or collection attorneys will harass
and intimidate you at home and at work for as long as seven
years. Unfortunately this is what leads most folks into
bankruptcy because they can't take the harassment and
threats of the debt collection industry.
The Alternative Program - A Common
Sense Solution.
Our unique and proven program is an alternative to
bankruptcy or credit counseling. Let us show you a path out
of the wilderness. The Alternative Program
will guide you through the collection process in a way that
respects your privacy.
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Advantages of the
Alternative Program
When the decision is food and shelter or
unsecured credit card debt, the
Alternative Program
may offer the best option to your credit
and financial problems.
You decide which unsecured credit card accounts will go
unpaid.
This program navigates the collection process while
placing you in an offensive, rather than a defensive
position.
There is a contingency for EVERY possible problem
or need that may arise, INCLUDING your potential need in
obtaining a car/truck, secured-plastic, home/apartment and
legal representation
(if required).
You will NOT have to
change your phone number or get it unlisted. All phone calls
to your home and work place can be stopped and no one will
know about your problems unless you choose to tell them.
You will benefit from the knowledge and experience of some
of the nation’s top consumer advocates and consumer law
professionals. Bud’s experience, knowledge and expertise
will guide you through of all levels of the collection
process, to include:
THE IN-HOUSE COLLECTOR They are
allowed to pursue you for up to 180 days from the date
of your last payment. Each time you make a payment, you
re-start the seven year clock on debt.
WE CAN HELP.
OUTSIDE AGENCIES AND ATTORNEYS/LAW
FIRMS They can legally place it against your credit for seven years, while pursuing you for as long as
ten years. They will pursue you with a vengeance:
threats, harassment and intimidation, possibly in
violation of federal law that regulates debt collectors.
WE CAN HELP.
DEBT BUYERS, MONEY BROKERS They
purchase charged-off debts for an average of 2-3¢ on the
dollar, pursue you for 100% of it, and are legally
allowed to place it against your credit credit. They can
enforce collections for as long as ten years.
WE CAN HELP.
REFERRAL TO CONSUMER LAW
PROFESSIONALS should that become a necessity.
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