Itama Po Natin Part 2

Segment 323

Q: Ano po ba ang mga dapat kong itanong sa isang debt resolution company bago po ako magenroll?

A: Unang-una po, ay kailangan nating malaman kung qualified or alam po nang kausap natin and mga problema natin dito sa US or Canada bago kayo mag-enroll.  Ang ibig ko pong sabihin ay pag tawag ninyo ay itanong muna kung:

  • Sila po ba ay nasa call center sa ibang bansa or pag tawag ninyo during odd hours ay mapupunta ang tawag ninyo sa ibang bansa? Baka po ang kausap ninyo ay nasa ibang bansa ay pano pong magbibigay ng mabuti o nababagay na advice sa inyo?Ito po ay hindi illegal pero nakakadadag sa unemployment dito sa US or Canada. Kung kayo po ay nawalan ng trabaho, dapat po bang ibigay sa taga ibang bansa ang trabaho ninyo?
  • Ano po ang qualification nila as far as finance? Ang nagbibigay ng advice sa inyo ay dapat lang na galing sa financial world at nagkaroon ng mahabang experience as finance.  Tatawag bakayo ng doctor kung nasusunog ang bahay ninyo?
  • Ang experience ba nila ay “Direct” or “Combined” experience? Ang “Direct” experience ay “Real” experience.  Ang “Combined” experience ay pinagduktong duktong na experience ng mga employees nila para mag mukang mahaba.  Ito po ay marketing buzz word na tila nakakalito ang ibig sabihin.  Example po ay 10 employees with 1 year experience each becomes 10 years “Combined”.

 

Ating lesson, Kahit saan po tayo , may mga taong malupit na nanloloko.

If you need help in getting out of debt, call Debt Aid Consulting.  We help with Credit Repair while and after your program.  We do not use call centers which keeps your information safe.  We have a new program that reconstruct debts for half of what you would pay our competitors.  We also provide legal assistance that keeps collectors away.  We take Federal Credit Unions, Payday loans and high interest personal loans in our program too.  This is exclusively available for Debt Aid Consulting clients.  None of our competitors provide this program.  You are well protected.

We only provide Federal Trade Commission compliant programs.  Debt relief companies who charge non refundable upfront fees are in violation of the ban.  Go with Debt Aid Consulting!

Do not fall for marketing gimmicks saying that they have the right program for you.  Most marketing companies only have one program and will enroll you in that program whether it fits you or not.  So beware!

Ben Lou at your service!  I have over 30 years of real financial experience.  If you would like sound financial advice, call us at Debt Aid Consulting.  We do not use call centers like Financial Rescue.  No one has the right to put your information at risk.  Say no to LLC corporations in Canada!  Debt Aid Consulting is the first and only Filipino debt restructuring company incorporated in the US and Canada.

Now serving the Caribbean Islands!

Tawag na po sa 1-888-341-5234 at tutulungan po namin kayo.

Itama po natin ang mali!

 

Segment 324

Q: Ako po ay nagbabayad ng minimum payments tuwing buwan sa mga credit cards.  Pano po malalaman kung kailangan ko nang humingi ng tulong para sa aking mga utang?

A: Unang una po, pag minimum lang po ang binabayaran ninyo sa mga unsecured debts tulad ng credit cards, eh mahaba haba pong panahon ang bubunuin ninyo bago po kayo makabayad kung hindi na po gagamitin yung mga cards para madagdagan ang mga utang.  Kung tuloy-tuloy pa rin po ninyong gagamitin ang mga cards habang binabayaran ng minimum payments, ay isang araw ay magugulat na lang kayo na wala nang nababawas sa utang natin kahit na mahabang panahon na tayong nagbabayad. Ang reality po ay by that time hawak na kayo ng banko sa leeg.  Napakataas po ng interest sa mga unsecured debts dahil wala po silang makukuhang collateral sa inyo.  Example po ay kotse.  Pag hindi po kayo nagbayad ng kotse, kukunin nila ito sa inyo. Eh pag hindi kayo nagbayad ng credit cards, ano kukunin nila sa inyo?  Hindi naman nila kukunin yung refrigerator ninyo sa bahay na ginamit na ninyo or yung sofa sa living room ninyo.  Pag ginawa po nila yon eh kailangan pa nilang rumenta ng isang malaking warehouse para mai-store yung mga kinuha sa mga hindi makabayad.  Kailangan pang mag hire ng mga kargador para i-move yung mga gamit kaya hindi po nila gagawin yon.  At kailangan pa nilang i-benta yung mga iyon para makabawe. Kaya mataas ang interest.

So kung ang ibibili ninyo ng  grocery ay binabayad na ninyo sa utang or hindi na kayo makalabas dahil takot kayong magastusan , kailangan na niyo ng tulong.  Kung hindi na ninyo ma-enjoy ang quality of life ninyo ay kailangan na ninyong humingi ng tulong.  Kaya po tayo nandito sa America or Canada ay para gumanda ang buhay, hindi para lumubog sa utang.

Ating lesson, Laging isipin, pag inutang ay ikaw ay pagbabayarin!

If you need help in getting out of debt, call Debt Aid Consulting.  We help with Credit Repair while and after your program.  We do not use call centers which keeps your information safe.  We have a new program that reconstruct debts for half of what you would pay our competitors.  We also provide legal assistance that keeps collectors away.  We take Federal Credit Unions, Payday loans and high interest personal loans in our program too.  This is exclusively available for Debt Aid Consulting clients.  None of our competitors provide this program.  You are well protected.

We only provide Federal Trade Commission compliant programs.  Debt relief companies who charge non refundable upfront fees are in violation of the ban.  Go with Debt Aid Consulting!

Do not fall for marketing gimmicks saying that they have the right program for you.  Most marketing companies only have one program and will enroll you in that program whether it fits you or not.  So beware!

Ben Lou at your service!  I have over 30 years of real financial experience.  If you would like sound financial advice, call us at Debt Aid Consulting.  We do not use call centers like Financial Rescue.  No one has the right to put your information at risk.  Say no to LLC corporations in Canada!  Debt Aid Consulting is the first and only Filipino debt restructuring company incorporated in the US and Canada.

Now serving the Caribbean Islands!

Tawag na po sa 1-888-341-5234 at tutulungan po namin kayo.

Itama po natin ang mali!

 

 

Segment 325

Q: Kung hihingi po ako ng assistance sa debt relief advisor, anong aspects or qualities nang advertiser ang hahanapin ko?

A: Depende po sa hinihinging advice at kung sino ang nagbibigay ng advice.  Meron pong mga nagsasabing sila ay financial advisor na walang experience sa financial world. May naririnig akong mga advise na walang sense sometimes.

May advise na mag-ipon ng 20% na down payment para sa gusto nilang bilin na bahay.  Ito po ang pinaka-mahirap at matagal na paraan para mabili ninyo ang bahay na gusto ninyo.  Malamang po na hindi niyo mabili ang bahay na gusto ninyo dito sa America until after 10 years or more dahil matagal mag-ipon ng 20% down.  Mas mabilis po ang inflation kesa sa saving power ng mga tao.

Ang tamang sagot po ay to make baby steps.  You can start by buying a starter home like a condo or a townhouse with an FHA loan na mababa ang down payment.  Ito po ay magkakaroon ng equity after a few years at yung equity na yon ang pwede ninyong gamitin sa pagbili ng next step up na bahay para sa family ninyo.  And after a few more years ay ganon din uli ang gagawin para sa dream home ninyo.

Dapat ba akong bumili ng brand new na kotse? Para sakin po ay pag bumili kayo ng used car ay binibili ninyo ang sakit ng ulo ng ibang tao.  Most nang used car ay purchased “As is” so pag may sira ay kayo ang magpapagawa.

Ang tamang sagot po ay depende sa situation ninyo.  Meron pong mga dealership na nagbibigay ng brand new without a down payment na kung ma-aaford ninyo ang monthly payment at merong mag-cocosign kung wala kayong enough credit history ay walang problema bumili.  At kung hindi po talaga maaford ang brand new car ay no choice po at humanap na lang ng maayos na used car.

Ating lesson, Maraming nagmamagaling, pero sa resulta ay kukulangin.

If you need help in getting out of debt, call Debt Aid Consulting.  We help with Credit Repair while and after your program.  We do not use call centers which keeps your information safe.  We have a new program that reconstruct debts for half of what you would pay our competitors.  We also provide legal assistance that keeps collectors away.  We take Federal Credit Unions, Payday loans and high interest personal loans in our program too.  This is exclusively available for Debt Aid Consulting clients.  None of our competitors provide this program.  You are well protected.

We only provide Federal Trade Commission compliant programs.  Debt relief companies who charge non refundable upfront fees are in violation of the ban.  Go with Debt Aid Consulting!

Do not fall for marketing gimmicks saying that they have the right program for you.  Most marketing companies only have one program and will enroll you in that program whether it fits you or not.  So beware!

Ben Lou at your service!  I have over 30 years of real financial experience.  If you would like sound financial advice, call us at Debt Aid Consulting.  We do not use call centers like Financial Rescue.  No one has the right to put your information at risk.  Say no to LLC corporations in Canada!  Debt Aid Consulting is the first and only Filipino debt restructuring company incorporated in the US and Canada.

Now serving the Caribbean Islands!

Tawag na po sa 1-888-341-5234 at tutulungan po namin kayo.

Itama po natin ang mali!

 

 

Segment 326

Q: Ang property ko po ay under water or mababa na ang value sa aking pagkakabili.  Ano po ba ang mahusay na gawin?

A: Hindi po simple ang sagot diyan dahil maraming paraan based sa situation ninyo.

Situation 1: Kung nung binili ninyo ang property ay nasa mataas ang assessment sa presyo at significant po and binaba, kailangan po kayong gumawa ng research.  Bago po nagtaasan ang mga property sa area ninyo ay ano po ang normal na value nito.  Kung ang value was over assessed dahil nabili ninyo ito bago nag“Housing Bubble” ay malamang na matagal or hindi na bumalik ito sa tamang presyo.  In this case, you can seek the help of your bank para sa “Loan Modification”.   Sa “Loan Modification” ay ma-aaring ma-adjust ng banko ang utang or ang interest ninyo, depende sa pinaka mabuting modification na nababagay sa situation.

Magingat lang po sa nagsasabing matutulungan nila kayo sa “Loan Modification” at naniningil ng fee ahead of the service.  Bawal po na kumulekta ng fee para dito sa serviciong ito nang hindi pa nagagawa ang trabaho.

Ang mortgage lender po ninyo ang magsasabi kung kayo ay qualified or not pag nag-apply kayo at ito ay libre.  Hindi po kailangang magbayad para malaman kung kayo ay qualified.  Kasama poito pag nag apply kayo.

Situation 2: Kung ang value ng inyong property ay bumaba dahil sa recession at hindi dahil sa “Housing Bubble”, eventually po ay tataas po uli ang value nito.  Medyo mabagal lang nga!  Basta po kaya ang monthly nito at tinitirahan ninyo, in a few years ay babalik ang normal na presyo nito sa market.  Hindi po forever ang recession.  Dahil po mabigat and tama sa US ng recession, ay hindi rin ganong kabilis ang pagtaas. So, for this time i-hold lang muna ang mga balak na renovations.

Also, huwag gamitin ang mga credit cards para ma-renovate agad ang bahay.  Mataas po masyado and interest nito para gamitin sa renovation.  Cash po ang pinaka mabuti kung talagang hindi mahintay.

Ang advice ko po, “Keep it real”.  Huwag po tayong mangarap ng bahay na alam natin na hindi kaya.  Remember, the bigger the property, the bigger the mortgage, the bigger the maintenance and the bigger the property tax.

Ating lesson, Ang lupa’t bahay ay taas, baba, pero sa huli ito ang tahanang di dapat mawala.

If you need help in getting out of debt, call Debt Aid Consulting.  We help with Credit Repair while and after your program.  We do not use call centers which keeps your information safe.  We have a new program that reconstruct debts for half of what you would pay our competitors.  We also provide legal assistance that keeps collectors away.  We take Federal Credit Unions, Payday loans and high interest personal loans in our program too.  This is exclusively available for Debt Aid Consulting clients.  None of our competitors provide this program.  You are well protected.

We only provide Federal Trade Commission compliant programs.  Debt relief companies who charge non refundable upfront fees are in violation of the ban.  Go with Debt Aid Consulting!

Do not fall for marketing gimmicks saying that they have the right program for you.  Most marketing companies only have one program and will enroll you in that program whether it fits you or not.  So beware!

Ben Lou at your service!  I have over 30 years of real financial experience.  If you would like sound financial advice, call us at Debt Aid Consulting.  We do not use call centers like Financial Rescue.  No one has the right to put your information at risk.  Say no to LLC corporations in Canada!  Debt Aid Consulting is the first and only Filipino debt restructuring company incorporated in the US and Canada.

Now serving the Caribbean Islands!

Tawag na po sa 1-888-341-5234 at tutulungan po namin kayo.

Itama po natin ang mali!

 

 

 

Segment 327

Q: Pano po ba ng Credit Repair napapataas ang Credit Score?

A: Maganda ang credit repair pag natapos na kayo sa mga utang ninyo, lalo na kung may mga late payments na naka record sa history.

May mga tumatawag sa akin na gustong magpa credit repair eh napakarami pang utang na nakatiwangwang sa credit report na ilang taon nang hindi nababayaran.  Ang akala nila basta pwedeng tanggalin ng credit repair company ang mga utang na hindi nabayaran.  Hindi po ganon yon!  Pag kayo po ay may mga utang na hindi bayad ay pwede pong ilista ng mga credit agencies ito for 7 years sa inyong credit report at wala kayong laban unless may proba kayo na ito ay bayad na.  Ang masama pa dito sa situation na ito ay walang gustong magpautang sa inyo habang ang mga ito ay lumalabas sa credit history ninyo.  Ang labas po nito ay Bad Credit kayo.

Ang magandang gawin natin ay once a year po ay kumuha tayo ng credit report para ma-inspect natin kung merong mga account dito na hindi ninyo alam or nag-aappear na hindi pa bayad pero bayad na.  That way hindi po tumatakbo and panahon na may mga negative accounts kayo sa credit report na hindi na-a-address.  Lalo’t merong tayong proba na ang mga ito ay bayad na.  This is also good para malaman natin kung tayo ay na-identity theft.

Ang isa pang pwede nating gawin ay kung alam natin na may mga accounts tayo na hindi natin nabayaran ay mag-enroll na tayo sa Debt Aid Consulting para naman mabigyan natin ng solusyon ang mga ito.  Pwede po nating i-settle ito nng hindi kailangan bayaran nang buo.  Malaki nang diskwento ang ibinibigay ng mga collector lalo na pag ang negative account ay may katagalan na.  That way, we can give you, The Client, a new beginning with regards to your credit.

Hindi po end of the world pag ang credit ninyo ay tinamaan.  Ang mga banks po ay mapagpatawad.  Kung ang papa-utangin lang po ng banko ay ang mga good credit ay matagal nang sarado ang mga banko.  Mas marami po ang taong nahihirapan or nahirapan at one point sa kanilang mga utang.  Bibigyan po uli kayo ng mga banko ng chance na makapag rebuild sa pamamagitan ng maliliit na accounts muna.  Hindi po bigla.  Once nakita nila na kayo ay nakakabayad nang muli sa mga utang ay dahan-dahan nilang dadagdagan ang credit line.  But this time alam na po natin na hindi po dapat abusuhin ang mga credit cards.

Sa Debt Aid Consulting, ay binibigyan po namin ang mga clients naming ng option to have credit repair after they complete the program, para ang mga negative accounts na nagpababa ng kanilang credit score ay mai-palagay na natin as positive accounts since ito ay settled na or considered as bayad na. Maganda po itong way para kayo ay makapag umpisa uli sa pag rebuild ng credit history ninyo.

Ating lesson, Tayo ang pumipili ng landas, kaya dapat kaya nating makalabas.

If you need help in getting out of debt, call Debt Aid Consulting.  We help with Credit Repair while and after your program.  We do not use call centers which keeps your information safe.  We have a new program that reconstruct debts for half of what you would pay our competitors.  We also provide legal assistance that keeps collectors away.  We take Federal Credit Unions, Payday loans and high interest personal loans in our program too.  This is exclusively available for Debt Aid Consulting clients.  None of our competitors provide this program.  You are well protected.

We only provide Federal Trade Commission compliant programs.  Debt relief companies who charge non-refundable upfront fees are in violation of the ban.  Go with Debt Aid Consulting!

Do not fall for marketing gimmicks saying that they have the right program for you.  Most marketing companies only have one program and will enroll you in that program whether it fits you or not.  So beware!

Ben Lou at your service!  I have over 30 years of real financial experience.  If you would like sound financial advice, call us at Debt Aid Consulting.  We do not use call centers like Financial Rescue.  No one has the right to put your information at risk.  Say no to LLC corporations in Canada!  Debt Aid Consulting is the first and only Filipino debt restructuring company incorporated in the US and Canada.

Now serving the Caribbean Islands!

Tawag na po sa 1-888-341-5234 at tutulungan po namin kayo.

Itama po natin ang mali!

 

Itama po natin! By: Ben Lou

Segment 328

Q: Nung ako ay nag divorce, nabaon po lalo ako sa utang.  Ano po ang mabuti?

A: Ang karamihan ng divorce ay pera ang pinagmulan.  Ito po ang statistics.  Only 5% of marriages say that the reason for the divorce is financial. But, 70% of all divorces say that money has something to do with the divorce.

Let me explain!  Sa total po ng mga nag-divorce ay 5% lang ang nagsasabing ang sole reason para sa paghihiwalay ay pera.  Pero 70% ng naghihiwalay ay nagsasabing may kaugnayan ang pera sa dahilan.  Bakit nga ba?  Yan po ang madalas na sinasabi ko sa mga tao.  Ang pagibig po ay madalas na nawawala pag wala nang makain ang pamilya. Ang apoy ng pagibig ay minsan namamatay pag tapos na ang honeymoon.  Hindi ko sinasabing lahat ay ganito. Pero mas malaki po ang chances na maghiwalay in the end pag ang kita ng isa ay kulang para sa gastos ng pamilya.  So iyan na ang isang reason na pinagmulan.

Ito pa ang dagdag sa problema ng bawat isa pag naghihiwalay na.  Bihira po ang naghihiwalay ng tahimik.  Most of the time po ay pinayayaman ang mga divorce lawyer dahil sa tagal ng divorce at dumadami ang babayaran.  Walang gustong bumigay at magulangan.  Hindi ko po sinasabing huwag ipaglaban ang inyong karapatan pero sometimes po ay dahil sa kagustuhan nating makuha ang gusto ay nababaon din tayo sa utang sa mga attorney or sa credit cards kung ito ang ginagamit na pangbayad.

Ang pinaka mabuti ay isipin po nating mabuti ang mga bagay bagay bago po tayo tuluyang magsisi.  Lagi pong sinasabi ang anking amang yumaon ay, “Ang taong mabilis maglakad, kung mapako ay malalim”. Let’s take that for what it’s worth at huwag pong dalas-dalas sa mga decision.  Kung mahina ang kita ng isa, marahil kailang dalawa nag mag-trabaho. At kung pareho nang nagtatrabaho at kulang pa rin ay kailangan talagang mag-budget.  Remember, hindi po madali ito pero, most of the time, we have to do things na ayaw natin to make it work at hindi po maghiwalay.  Remember po, “Keep it real”!  Lalo na sa gastusan.  Alamin natin kung talagang kaya natin ang isang bagay bago ito bilin, dahil pag nailabas na sa tindahan ay mahirap nang ibalik lalo na pag ito ay gamit na.

Ating lesson, remember po, to love and obey until you die.

If you need help in getting out of debt, call Debt Aid Consulting.  We help with Credit Repair while and after your program.  We do not use call centers which keeps your information safe.  We have a new program that reconstruct debts for half of what you would pay our competitors.  We also provide legal assistance that keeps collectors away.  We take Federal Credit Unions, Payday loans and high interest personal loans in our program too.  This is exclusively available for Debt Aid Consulting clients.  None of our competitors provide this program.  You are well protected.

We only provide Federal Trade Commission compliant programs.  Debt relief companies who charge non-refundable upfront fees are in violation of the ban.  Go with Debt Aid Consulting!

Do not fall for marketing gimmicks saying that they have the right program for you.  Most marketing companies only have one program and will enroll you in that program whether it fits you or not.  So beware!

Ben Lou at your service!  I have over 30 years of real financial experience.  If you would like sound financial advice, call us at Debt Aid Consulting.  We do not use call centers like Financial Rescue.  No one has the right to put your information at risk.  Say no to LLC corporations in Canada!  Debt Aid Consulting is the first and only Filipino debt restructuring company incorporated in the US and Canada.

Now serving the Caribbean Islands!

Tawag na po sa 1-888-341-5234 at tutulungan po namin kayo.

Itama po natin ang mali!

 

 

Itama po natin. By: Ben Lou

Segment 329

Q: Why should I choose Debt Aid Consulting?

A: Clients have been calling me asking about an Obama credit card and Income tax relief that they saw on TV.  The Obama credit card relief that they refer to is The Credit Card Accountability Responsibility and Disclosure Act of 2009 or the Obama Credit Card Act of 2009 and February 2010. The reason for this act is to increase transparency in the way credit card companies do their business, including statements being clearer and advance warnings regarding rate changes.  By no means does it have anything to do with getting out of the money you owe the banks.  Regarding Income tax relief, there is none.  For those who have these problems, marketing companies want your business so in order to get you to call in, they make you think that this is an easy way out of paying your debts and back taxes.  The only relief Obama passed is for the victims of the housing bubble where the clients are able to modify their home loans or mortgages.

Debt Aid Consulting is nothing like, processing, marketing and servicing companies. We don’t use tactics like those mentioned. The company has a wide array of product services to match the clients’ needs.  Debt Aid Consulting, a debt consulting company, has access to a larger attorney network serving US States and Canadian Provinces.  The service provider match is more ideal because we pair you up with the right program that best serve your needs.  Most processing, marketing and servicing companies only have 1 or 2 products that they can process which make them limited.  You end up with their product because that is all they have.  Again, experienced attorneys and certified debt negotiators who work with your debts make the difference.  All employees of Debt Aid Consulting are professionals in the world of finance.  And, we are all bonded to better protect the client.

It is for this same reason that the company would never go in the direction of using any call centers outside North America which sacrifices the jobs from our own market.  We do not use call centers at all.  Imagine enrolling in a program from a debt resolution company which uses call centers abroad while you are out of a job.  STOP!  THINK!  This may be a reason why you can’t find a job.  The jobs have been shipped abroad! Choose the local company.

Ating lesson, if it’s too good to be true, it’s probably not.

If you need help in getting out of debt, call Debt Aid Consulting.  We help with Credit Repair while and after your program.  We do not use call centers which keeps your information safe.  We have a new program that reconstruct debts for half of what you would pay our competitors.  We also provide legal assistance that keeps collectors away.  We take Federal Credit Unions, Payday loans and high interest personal loans in our program too.  This is exclusively available for Debt Aid Consulting clients.  None of our competitors provide this program.  You are well protected.

We only provide Federal Trade Commission compliant programs.  Debt relief companies who charge non-refundable upfront fees are in violation of the ban.  Go with Debt Aid Consulting!

Do not fall for marketing gimmicks saying that they have the right program for you.  Most marketing companies only have one program and will enroll you in that program whether it fits you or not.  So beware!

Ben Lou at your service!  I have over 30 years of real financial experience.  If you would like sound financial advice, call us at Debt Aid Consulting.  We do not use call centers like Financial Rescue.  No one has the right to put your information at risk.  Say no to LLC corporations in Canada!  Debt Aid Consulting is the first and only Filipino debt restructuring company incorporated in the US and Canada.

Now serving the Caribbean Islands!

Tawag na po sa 1-888-341-5234 at tutulungan po namin kayo.

Itama po natin ang mali!

 

Itama po natin! By: Ben Lou

Segment 330

Q: I am buried in credit card and unsecured debts.  Should I take money out on my home equity to pay them off?

A:  Whoooow, hold on lang muna!  Why would you want to take an unsecured debt and turn it into a secured debt?  Pag kumuha po kayo ng pera para sa equity ng bahay ninyo ay dinadagdagan ninyo ang utang sa bahay.  Dito po sa bahay na ito kayo at ang pamilya ninyo nakatira.  Magisip-isip po muna tayo.

Magiging dalawa ang babayaran ninyong loan sa bahay, first mortgage and the second mortgage.  Kung may nangyari sa inyo at nag-miss kayo sa isa sa mga mortgage ay mag fo-forclose ang lender at magiging homeless kayo.  Pag hindi ninyo nabayaran ang mga credit cards or unsecured debts ay magiging homeless ba kayo? Ang sagot po ay HINDI.

There are some uncertainties in our lives which happen all the time.  Maaring magiba ang kapalaran just like that.  Lalo na po these days na biglang nagkakaroon ng problema ang mga pamilya ng unexpected.  Kung dalawa ang nag tatrabaho in order to sustain household expenses, isa lang po ang mawalan ng trabaho, risk na kaagad ang bahay lalo na kung two mortgages ang nakadikit dito.  Hindi po biro na ipagsapalaran natin ang ating tirahan dahil sa mga unsecured debts. Di baleng hindi mabayaran ang mga credit cards or unsecured debts, huwag lang ang bahay.  Priorities!

Kailangan pong malinawan natin ang ating mga choices bago tayo umaction.  Minsan po ay kailangan natin ng third party para makapag decision tayo ng mabuti.  Some decisions have effects that are undoable so we have to slow down and easy, easy lang po tayo.

Ating lesson, Bahay na pinaghirapan, isa-sangla dahil sa utang!

If you need help in getting out of debt, call Debt Aid Consulting.  We help with Credit Repair while and after your program.  We do not use call centers which keeps your information safe.  We have a new program that reconstruct debts for half of what you would pay our competitors.  We also provide legal assistance that keeps collectors away.  We take Federal Credit Unions, Payday loans and high interest personal loans in our program too.  This is exclusively available for Debt Aid Consulting clients.  None of our competitors provide this program.  You are well protected.

We only provide Federal Trade Commission compliant programs.  Debt relief companies who charge non-refundable upfront fees are in violation of the ban.  Go with Debt Aid Consulting!

Do not fall for marketing gimmicks saying that they have the right program for you.  Most marketing companies only have one program and will enroll you in that program whether it fits you or not.  So beware!

Ben Lou at your service!  I have over 30 years of real financial experience.  If you would like sound financial advice, call us at Debt Aid Consulting.  We do not use call centers like Financial Rescue.  No one has the right to put your information at risk.  Say no to LLC corporations in Canada!  Debt Aid Consulting is the first and only Filipino debt restructuring company incorporated in the US and Canada.

Now serving the Caribbean Islands!

Tawag na po sa 1-888-341-5234 at tutulungan po namin kayo.

Itama po natin ang mali!

 

 

Itama po natin! By: Ben Lou

Segment 331

Q: Bakit yung banko pag hindi mo kailangan umutang, gustong gusto kang pautanin? Pag kailangan mo nang umutang ay tsaka ka ayaw pautangin.

A: The banks or creditors have no way of being assured payment when they loan money out.  They always base the amount of the loan and interest on your credit worthiness.  It is for the same reason that if your credit score is low, the likeliness of being approved a loan is not very good.

When times are good and you are paying your bills on time, they are very loose and would like to extend more credit because they make interest on the money that you borrow.  When times become hard they tend to be much stricter with your borrowing practices because they are not sure if they will be paid back.  Kaya nga yung iba ay sinasabi, “Eh nung marami akong pera gusto akongpautangin ng banko, ngayong wala nang akong pera, ayaw naman akong pautangin.”  Of course!  Because the likeliness of being paid back becomes slim.

The money that the bank loans out to consumers are coming from investors and depositors of the bank.  When money comes in, they don’t just sit on them and hope it makes money.  They invest them into other business ventures or loan them out.  That’s is why the bank rewards you with better interests for leaving your money with them for longer periods of time rather than short ones.

The bank is a business just like any other.  The only thing different is that their inventory is money.  Their main product is CURRENCY!  They make a profit from their product by means of interest.

Ating lesson, Pano ka uutang sa banko kung pangit credit score mo?

If you need help in getting out of debt, call Debt Aid Consulting.  We help with Credit Repair while and after your program.  We do not use call centers which keeps your information safe.  We have a new program that reconstruct debts for half of what you would pay our competitors.  We also provide legal assistance that keeps collectors away.  We take Federal Credit Unions, Payday loans and high interest personal loans in our program too.  This is exclusively available for Debt Aid Consulting clients.  None of our competitors provide this program.  You are well protected.

We only provide Federal Trade Commission compliant programs.  Debt relief companies who charge non-refundable upfront fees are in violation of the ban.  Go with Debt Aid Consulting!

Do not fall for marketing gimmicks saying that they have the right program for you.  Most marketing companies only have one program and will enroll you in that program whether it fits you or not.  So beware!

Ben Lou at your service!  I have over 30 years of real financial experience.  If you would like sound financial advice, call us at Debt Aid Consulting.  We do not use call centers like Financial Rescue.  No one has the right to put your information at risk.  Say no to LLC corporations in Canada!  Debt Aid Consulting is the first and only Filipino debt restructuring company incorporated in the US and Canada.

Now serving the Caribbean Islands!

Tawag na po sa 1-888-341-5234 at tutulungan po namin kayo.

Itama po natin ang mali!