Mark Finance

Voila,

Yeah... I always preach this "DYS-do it your self"...
Its all about knowing your options.

IF YOU ARE IN DEFAULT:

Q:"What is the lowest payment amount possible?"
A: Standard payments should be 1.29% of your prin and interest on a monthly basis (Depends on the loan types, you might be able to negotiate it lower)

Q:"How can i make sure that the collection agency makes the LEAST amount of profit?"
A: Know your Stuff pre-calculate before negotiation

If you are not in default your question should be..

Q:"How can I find debt relief?"
A: Maybe Look into the IBR or Student Loan Forgiveness programs (Depends on your occupation)

To your freedom,
Mr. K
The ROgue Student Loan collector

Freedom Blog:
http://www.studentloanfundamentals.com

My company TPS FINANCE CONSULTING LLC works with GOVERNMENT DEBT RELIEF COMPANY that has the ability to reduce the balance owed on Student Loans, Credit Cards, Court Judgments and other Unsecured Debts and actually remove the interest rate all together. The program is set to have your loans paid off completely in 18 months (AND IT DOESN'T MATTER THE AMOUNT OF YOU CURRENT DEBT!!!!). It is the one thing that the government is doing to help those who understand the importance of education but are not reaping the benefits of having one.

SO PLEASE BEFORE YOU JUMP THE GUN AND DISMISS THIS PROGRAM AS YOU PROBABLY HAVE DONE WITH MOST THINGS SO FAR, FIND OUT FOR YOURSELF INSTEAD OF REQUESTING INFORMATION FROM INDIVIDUALS WHO ALSO HAVE NO REAL INFORMATION TO OFFER.

HOW IS THIS POSSIBLE?

We assume the liability of the client’s debt by using a “notice of assignment,” along with a limited power of attorney, to enable us to challenge consumer laws resulting in the ability to offset the debt. (Does not apply to Accts. in collections). We enforce the principles of contract law. We get the financial companies to accept a change in the terms and conditions so they are more favorable to the client, rather than being good for the financial companies. What we do is simple, yet very effective. The employment of this strategy has been successful for 8 years with an up front payment structure, and as of recent we have launched our 18 month payment program to make the service more accessible to individuals who can't afford to come up with the entire resolution amount up front.

Phase 1
The program is split into two Phases, Phase One and Phase Two. Phase One is the load up period and the amount required can be paid in a lump sum, or our underwriting guidelines allow for this amount to be distributed over the first four months. Clients are sent a welcome kit and are educated on Federal Consumer Protection laws which will help to reduce creditor calls. The Resolution Process does not start until the fourth payment is received.

Phase 2
Phase Two consists of fourteen monthly payments determined by the debt amount that is being resolved and how many creditors are included into the program. This amount is usually lower than the minimum payments that would be required on the cards included into the program and shows the client savings while the debt is being resolved and assumed by a Debt company. At the start of this Phase Two the client will be required to send in Original Statements of all Creditors (not copies or credit reports) and fill out 3 additional forms;
1.) New terms and conditions purchase agreement,
2.) Power of attorney,
3.) Two notice of assignments that must be notarized for each creditor.
These forms will outline new terms and will allow for us to assume the liability of the debt, which is our proprietary business model to resolving the debt enrolled.

THAT IS THE PROGRAM IN TOTAL. NO GIMICK, NO SMOKE AND MIRRORS. WE USE THE LAW TO PROVIDE THESE SERVICES FOR YOU. BELOW ARE SO FAQs, SOME MAY BE OF INTEREST TO YOU.

FAQs

How is your credit affected?

The Fair Credit Billing Act states that while your debt is in dispute, the creditors may NOT report negatively on your credit report. If they do, they are in violation of your Federal rights. Upon completion of the process, client is eligible ***(through effort of their own, or a 3rd party company) to have negative and/or adverse items removed from all three major credit reporting bureaus. However, client should anticipate that their credit score will be negatively impacted by this process temporarily.

***As a service to all of my clients I do credit clean up usually for people buying houses, so I will make sure that the complete paid in full and any negative and/or adverse items removed from all three major credit reporting bureaus. At the end of the process your credit score will be substantially higher that it was due to the fact that you paid off a large balance earlier than anticipated. Then when they do the rescore your debt to income is a lot lower!

Is Debt Resolution Ethical and Legal?

Yes, absolutely. This is a question that most people always have when analyzing this type of program. We provide you with information as to the legality of what we do, and in terms of morality it is the financial companies that are immoral. When you understand that they create money out of thin air that they loan to you and then expect you to pay 30% interest on, you will learn that they are the immoral ones. The people we work with all over the country are people who are most likely just like you, people who paid their bills. You cannot get thirty, fifty or one hundred thousand dollars in credit cards with out paying all of your bills and having good credit. But sometimes bad things happens, life happens, there is a loss of income, someone gets hurt, a family member dies, or a business fails, and you simply cannot pay what you used to pay. When such hard times occur, more often than not, banks and Credit Card companies will not work you. Credit Card companies constantly monitor your credit report and when they see that you have begun to max out your credit lines, the will begin to raise your rates to astronomical levels. Why do they do it? It is because they can. It is simple; they get you in debt and keep you in debt, because it makes them money. Unfortunately, all consumer protection laws in regards to bank usury have been eliminated, and as such the bank can charge you what ever they want and they do. We want to help you get out of debt, and more importantly teach you to stay out of debt and not find yourself in the same situation ever again.

I would like to speak with you specifically about your personal situation and then provide you with some information regarding the help I can provide to you.

Please feel free to call me anytime.

Respectfully,

Mark Ector
TPS FINANCE CONSULTING LLC
CEO / ADVISER
(602) 488-6002 direct
866 223-1802 toll free fax

"KNOWLEDGE is POWER!" But KNOWLEDGE alone is NOTHING without USING IT or SHARING IT.

Well, of course, they offer a paid service. The student loan companies have you in their clutches for life under current legislation--they can garnish your wages, social security, disability income. They have no reason to negotiate down very much. I have heard many times, though, that some people have been called by the collection agency who say something like, on an 85,000$ debt "can you pay 65,000$ by the end of the week to settle the debt?" But of course since most people aren't rich that doesn't work. I wouldn't assume that you can pay off a debt in 18 months unless it is pretty small to begin with; something like 80,000 let alone much more than that, isn't going to happen, especially since you are probably financially strapped and can't pay more than you already do anyway. I think 18 months is the usual 'rehabilitation period' for a defaulted student loan, and after that they might let you enter some (limited relief) program.

Mark has been challenged on this site, and he can't really respond as to how he gets these magic results.