BECOMING DEBT FREE
Are you in financial trouble?
Are the bills beginning to pile up?
Do you need budgeting, credit, debt management, housing counseling, or a referral for bankruptcy counseling?
I bet you are asking yourself one question; Where do i start?
Free My Debt is a small company that under stands financial struggle and that we are in the midst of a recession. We are able to provide detailed attention to your issues, that often get over looked with some of those larger companies. We seek to provide the distressed consumer with an affordable means of getting out of debt, at a reasonable price that the average person can afford. At Free My Debt we work with our clients and their creditors to help figure out the best plan of action to provide aide to those in financial duress.
How we can help:
There is an abundance of information in this website about credit, credit history, credit reports, credit scores, budgeting and financial counseling. Please take time to carefully to explore the Free My Debt site, as we have tried to answer the most common credit and debt inquiries.
I bring to you over 15 years of experience in credit worthiness, debt management, financial planning,credit repair and 5 years experience in tax preparation. Working for and managing such companies as Equifax and various other credit counseling companies. I decided to take my expertise and cater to the independent small consumer that is in need of assistance in getting their debt under control.
Are the bills beginning to pile up?
Do you need budgeting, credit, debt management, housing counseling, or a referral for bankruptcy counseling?
I bet you are asking yourself one question; Where do i start?
Free My Debt is a small company that under stands financial struggle and that we are in the midst of a recession. We are able to provide detailed attention to your issues, that often get over looked with some of those larger companies. We seek to provide the distressed consumer with an affordable means of getting out of debt, at a reasonable price that the average person can afford. At Free My Debt we work with our clients and their creditors to help figure out the best plan of action to provide aide to those in financial duress.
How we can help:
- Provides budget/credit counseling.
- Provides financial counseling (balance a check book, banking, credit unions, and statements).
- Create a debt management plan designed for you specifically.
- Credit education including credit reports, scores, good and bad credit.
- Housing Resources (first time buyers, foreclosures, and loan modifications).
- Explanation of statements of all creditors and financial institutions.
There is an abundance of information in this website about credit, credit history, credit reports, credit scores, budgeting and financial counseling. Please take time to carefully to explore the Free My Debt site, as we have tried to answer the most common credit and debt inquiries.
I bring to you over 15 years of experience in credit worthiness, debt management, financial planning,credit repair and 5 years experience in tax preparation. Working for and managing such companies as Equifax and various other credit counseling companies. I decided to take my expertise and cater to the independent small consumer that is in need of assistance in getting their debt under control.
SERVICES
Budget and Credit Counseling— We offer free, personalized advice to help you develop and balance budgets, manage your money, use credit wisely, handle debt and start a savings program. We can help you build a responsible spending plan, answer questions about managing debt and set goals for a healthy financial future.
Debt Management Plan (DMP)— Having trouble paying your bills? We will work with you and your creditors to structure an affordable repayment plan, often with reduced interest rates, fees and penalties for qualified individuals. Not only will you repay your debts, but most of our DMP clients realize significant savings compared to making monthly payments on their own.
Housing Counseling— We help people achieve and maintain stable housing with a wide range of services, including purchase preparation, post-purchase education, reverse mortgage counseling, rental delinquency and foreclosure prevention assistance.
• Pre-Purchase— Thinking about buying a home but wondering what’s involved—and if you can afford it? Our pre-purchase counseling and education advice will help you make an informed decision, and have a solid understanding of how to make this a lasting success. And it may help you qualify for a down payment assistance program.
• Foreclosure Prevention— If you’re behind in your mortgage payments or facing the threat of foreclosure, we can help. We will teach you about the process, your options, and what steps can be taken to help you avoid foreclosure completely. Your counselor can determine if you qualify for a government assistance program, and may be able to connect you directly with your mortgage servicer to discuss a loan modification or other solution. If needed, we can also help you prepare and submit the documentation to meet your servicer’s requirements.
• Reverse Mortgage— For homeowners age 62+, a reverse mortgage may be the right solution to allow you to remain in your home when faced with significant or unexpected expenses, such as medical bills. We will provide the required counseling to ensure that you understand the unique aspects of this product, along withother options that may be available to you.
Financial Education— Our mission is to educate and empower consumers to improve their financial well-being.
Referral for Bankruptcy Assistance- (Bankruptcy Pre-filing and Bankruptcy Debtor Education) LMR Financial (see Resources and Links tab) offers a comprehensive approach ensures that they consider all of the factors contributing to your situation and explore the range of options that may be available to address your debts. If you choose to file for bankruptcy, their program includes meaningful education that will not only help you to survive bankruptcy, but to emerge with a clear plan for a more successful future.
Telephone Counseling is available same fees apply.
Tax Preparation Class
Learn how to prepare your own taxes. Do you need a secondary income? Learn how to earn extra income preparing income tax returns.
Your privacy and confidentiality are always respected. Our professional counselors understand your problems and will help you focus on real solutions. You can defeat debt and enjoy lasting financial well-being. We are NOT A LOAN COMPANY; we do not lend money. Free My Debt is a debt management service provider.
Copyright 2012
Debt Management Plan (DMP)— Having trouble paying your bills? We will work with you and your creditors to structure an affordable repayment plan, often with reduced interest rates, fees and penalties for qualified individuals. Not only will you repay your debts, but most of our DMP clients realize significant savings compared to making monthly payments on their own.
Housing Counseling— We help people achieve and maintain stable housing with a wide range of services, including purchase preparation, post-purchase education, reverse mortgage counseling, rental delinquency and foreclosure prevention assistance.
• Pre-Purchase— Thinking about buying a home but wondering what’s involved—and if you can afford it? Our pre-purchase counseling and education advice will help you make an informed decision, and have a solid understanding of how to make this a lasting success. And it may help you qualify for a down payment assistance program.
• Foreclosure Prevention— If you’re behind in your mortgage payments or facing the threat of foreclosure, we can help. We will teach you about the process, your options, and what steps can be taken to help you avoid foreclosure completely. Your counselor can determine if you qualify for a government assistance program, and may be able to connect you directly with your mortgage servicer to discuss a loan modification or other solution. If needed, we can also help you prepare and submit the documentation to meet your servicer’s requirements.
• Reverse Mortgage— For homeowners age 62+, a reverse mortgage may be the right solution to allow you to remain in your home when faced with significant or unexpected expenses, such as medical bills. We will provide the required counseling to ensure that you understand the unique aspects of this product, along withother options that may be available to you.
Financial Education— Our mission is to educate and empower consumers to improve their financial well-being.
Referral for Bankruptcy Assistance- (Bankruptcy Pre-filing and Bankruptcy Debtor Education) LMR Financial (see Resources and Links tab) offers a comprehensive approach ensures that they consider all of the factors contributing to your situation and explore the range of options that may be available to address your debts. If you choose to file for bankruptcy, their program includes meaningful education that will not only help you to survive bankruptcy, but to emerge with a clear plan for a more successful future.
Telephone Counseling is available same fees apply.
Tax Preparation Class
Learn how to prepare your own taxes. Do you need a secondary income? Learn how to earn extra income preparing income tax returns.
Your privacy and confidentiality are always respected. Our professional counselors understand your problems and will help you focus on real solutions. You can defeat debt and enjoy lasting financial well-being. We are NOT A LOAN COMPANY; we do not lend money. Free My Debt is a debt management service provider.
Copyright 2012