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LOAN RELIEF BLOG2020-09-10T11:04:45+00:00
2706, 2020
The payday loan rebellion has started!

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For many years legislators have talked about capping payday loans. 12 states and the District of Columbia, currently outlaw payday loans. If you’re curious, the chart is on this website. Click on the green map halfway down the homepage to see all the states where payday loans are illegal. But, it’s finally happening. 120000 people from Nebraska have signed a petition hoping to cap payday loan interest rates at 36%. That petition has more than a hundred and twenty thousand signatures. It will likely appear on the November ballot. People from Nebraska annually pay roughly 28 million dollars in interest and fees to payday lenders. Read the full store HERE.

That’s outrageous! More importantly, it bastardizes the initial reason that this whole business was created. In this blog, I’ve mentioned more than one time that in small doses, and for the right reasons, payday loans are the last chance outlet for people with poor credit to obtain money for necessities for a very short time. The operative words here are a very short time. Greedy entrepreneurs have taken this particular business model and twisted it for their own good and turned it into something that hurts not helps the consumer. One-quarter of this country has already decided they will no longer accept this, and the rebellion now continues. There are 28 million reasons why Nebraska is doing this. The GOP seems to have no interest in helping the core group of people that use the services. The Consumer Financial Protection Bureau was conceived by senator Elizabeth Warren in 2007. It began operation on July 21st, 2011 under the leadership of President Obama. Aside from a bunch of legal wrangling this agency has done very little since its inception. Under President Trump, it’s almost like this agency doesn’t exist. His people run it. First, it was Mick Mulvaney, and now Kathy Kraninger. If you read this blog you’ll know that I’ve written a lot about her. I believe she gets paid a lot of money to do absolutely nothing. Consequently, Nebraskans have taken things into their own hands. At 36% short term, and by short-term I mean for a week or two max, a payday loan is a viable alternative for people that are having one-off and desperate financial difficulty. Check out Consumer Finance Gov Site here.

If you are an American who is having payday loan difficulty you are on the right website. Consolidating your payday loans is what we do. We can reset the timer back to zero. I mean that literally. We are a 23-year-old payday loan consolidation company with an A+ rating with the Better Business Bureau. We do what we say and we say what we do. Consolidating your payday loans is not difficult when you have the reputation we do. Your creditors readily work with us and in most cases will lower your interest rate from between 200 and 700% annually all the way down to zero. That’s right we can consolidate your payday loans at 0% interest in most cases. It’s a simple process and we are extremely experienced. Our track record speaks for itself. Give us a call during regular business hours or in the alternative simply fill out our short form and someone will get back to you during business hours. Make us your financial go to when you are in Payday loan debt. You’ll be glad you did. We treat our clients like family and we care.

1806, 2020
And so the Advance Loan Consolidation conundrum! Should I or shouldn’t I, and is Debt Consolidation good for you

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I believe it’s a gift, but let’s digress for a moment. Let’s start with a better question? Should you take a payday loan under any circumstances? Most of the so-called experts will tell you no. No matter what happens never deal with payday loan lenders. They’re one step above, or perhaps one step below loan sharks. Their interest rates run between 200 and 700% annually and they charge outrageous fees. All of this is true. And I’ll digress one more time. Why are there payday lenders out there, and more importantly why do people take these loans?

My contention is, if used properly payday loans are not bad. Payday loans were created for a reason and then bastardized over the years. They were created because there are many out there with poor credit who are unable to get a conventional loan. There was no place for these people to borrow the 50, or 100 or $200 that they needed until Friday just to feed their families. Payday loans are nothing more than pawnshops without the collateral. My point is that used properly a payday loan can come in handy for a week or perhaps two. Payday lenders don’t want you to pay them back over a couple of weeks. Their business model is set up to create an endless cycle of debt, with one loan rolling into another. Changing the business model somewhere along the road is what made these companies that were initially a win-win situation, into a lose-win situation with the consumer being the loser. Therefore payday loans CAN work and they’re not a bad thing if they’re paid back quickly.

And now we come to the reason that you’re here. You borrowed money in good faith and more than likely got stuck by the Coronavirus. What I’m getting at is that you probably lost your job and weren’t able to pay your payday loans back. Now the country has reopened and your phone is ringing off the hook. Collectors are back at work collecting. What do you do? The answer is really simple and it shouldn’t cause you any financial stress. Payday loan debt consolidation works. You’re on our site so during business hours just give us a call. In most cases, we can lower your interest rate down to 0%, which in turn gets you out of debt more quickly and for less money each month. Why use Federated Financial to consolidate your payday loans? Because we make it easy. We’ve been in business 23 years and still maintain a Better Business Bureau rating of A-plus. As I mentioned, give us a call and speak to a certified credit counselor. in the alternative fill out our short form and a certified credit counselor will get right back with you during business hours. Your counselor will go over your debts with you and provide you with a new monthly payment, more than likely interest-free, that will get you out of debt in the shortest amount of time possible. In addition, the phone calls will stop. This will take away your anxieties regarding your debt. Payday loan debt consolidation works. We’ve proven that for well over two decades. Let’s get started today! We’re great at what we do and we treat our clients like family. We care!

1506, 2020
Take me out to the ballgame! Not this year! Coronavirus=Pain, Sickness and Payday Debt!

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No Baseball and 7th inning stretch this year. If you read the news you’ll know that the players and owners have been bickering about how much, and who gets what. Unfortunately, it looks more and more like the decision is being taken out of their hands. It looks like the coronavirus has taken control of the decision-making process and regardless of what kind of financial decisions both sides would come to at this point, there’s probably going to be nowhere to play. Initially Florida and Arizona we’re going to be the sites for the teams that wanted to go back to their spring training facility for a short time to become game ready. Everyday It becomes more evident that Florida and Arizona will be out of the picture. We all know there’s been a big spike in both States. So training stadiums are out. At this particular time, major league stadiums look like they’re out of the running too. That would be either for training or for actual games. The problem is the Coronavirus. Neither the owners nor the players union has brought this up but there’s no isolating from this sickness. Their safety protocols won’t work. Even with empty stands given the close confines of locker rooms, it only takes one guy to get it. Truth be told, it’s probably not worth it to the players. Young men with young families risking their lives for the money that they can make next year instead. The problem with regular-season stadiums is the states in which many teams play. Texas has two major league teams and the state spiking big time. The Houston Astros, and the Texas Rangers. There’s no place that would probably be considered safe enough for them to train or to play. California. The Los Angeles Angels, the Los Angeles Dodgers, the Oakland Athletics, the San Diego Padres, and the San Francisco Giants. The way baseball planned on dividing up the teams into new divisions for this year there’s no place for many of these teams to play their home games. In addition in Florida, you have the Marlins, and Arizona has the Diamondbacks. Again, two more spiking states that would be dangerous to the young men who play. Baseball is at a crossroads. It doesn’t look like they’re going to make it this year regardless of all the rhetoric that comes out of the MLB main office. Right now you’re not hearing anything from the NBA or the NHL. I’m sure they want to finish their seasons and at least get the playoffs in. They’re going to have the same problems as baseball. Regarding football, I’ve always thought that being a lineman puts them about three inches away from kissing their opponent. These guys line up head to head and they’re breathing heavily because they’re working hard. There’s no way shape or form these people can play football and not infect each other. All four leagues are talking about sequestering the players. There’s only so much sequestering you can do with a bunch of young and independent people. There are just too many people we all come into contact with every day and it only takes one to start the storm. And there goes, take me out to all the ball games until next February when spring training begins again, hopefully. My opinion, but if you read through this blog you’ll see quite a few things that I have predicted. When it comes to baseball I really hope I’m wrong. I miss it. My MLB TV subscription has been paid for since January!

Pain, yes there’s Pain still floating around out there in the air and nobody can see it but they sure feel it when they get sick. It’s easy to use the expression,” the cases are spiking in (fill in the state). Let us not forget that they are spiking with real people getting sick and going through some of the horrible things that many do when they catch this thing. I’m a senior citizen and I’ve lived many years yet I’ve never seen a sickness that doctors and scientists don’t completely understand and that has so many different symptoms that could cause so much grief. I don’t think I fear it because I live my life, but I certainly have a healthy respect for it, and unlike our President, I always wear a mask.

Now, let’s talk about financial pain. I don’t believe it’s going to be as bad as the first wave. I believe epidemiologists have a handle on this and have a plan to mitigate both sickness and business closure. In the beginning, they talked about rolling closures. I think we’re going to be living that way for a while now. Rolling closures for simply closing hot spots for a short time until the virus lets up in any one of those particular areas. The country will not be shut down again. The economy can’t afford to take another hit and bounce back. There are so many things going on here at once. Kind of scary. Every day is a new chapter in our new lives. You’re reading this article for a reason. You’ve come to our site because you’re having problems paying your bills. In this case, I’m directly referring to Payday loans because this is a payday loan consolidation site. I can tell you that you’ve come to the right place and you’re considering the absolute best company out there! What gives me the right to say that. Payday loan consolidation is an art. It involves longevity and respect for the company you choose to do business with. Respect is earned with the longevity component. 23 years in business says we do one heck of a job and in addition, our A+ rating with the better business bureau says it all. We have the respect of your creditors. When we electronically inform your payday loan lender that you’re working with us, the powers that be within those companies feel confident that in most cases they’re going to get paid. We have a track record with all of these lenders developed over the decades. When you’ve been in business for over two decades you command the respect of the companies you do business with. That’s just the way it works. When choosing a payday loan consolidation company you look for that longevity and you look for that BBB rating. Both of those things say a lot. In most cases, we can help you reduce your interest rates from anywhere between two hundred and 700% annually down to 0%. That’s saved you a ton of money and just as importantly get you out of debt in a shorter amount of time then you could do so yourself. Payday loan consolidation is real and it works. It just depends on who you choose to do yours. You are here. Fill out our form and hit submit or simply give us a call during business hours. We can help you. We treat our clients like family and we care.

1206, 2020
What company consolidates payday loans and credit cards? Federated Financial is the only choice!!!

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We’ve been consolidating credit card debt for 23 years. We know our business. During a lifetime everyone will eventually run into some hard times. Many people have been out of work for a couple of months and unemployment has never been higher. If this reopening plan works properly and the country does get back on its financial feet, paychecks will once again become regular. Hopefully, quarters three and four will reflect the rise of re-employment, but it won’t happen right now. For now, you’re deep in a payday loan, or credit card debt and you’re a couple of months behind.

As all businesses start to return to normal, the banks and the payday loan companies will start calling again. This will happen soon. What do you do? Do you take out one high-interest loan to pay off your other high-interest loans? That would pay all those payday loans and credit cards off at once. That would also give you one monthly payment which wouldn’t be a terrible thing, but the cost of that loan is still steep. Federated Financial can give you that one monthly payment too… It would be an installment payday loan consolidation.

You’ll be paying a lot of interest and penalties if you make your own payments. In the case of your payday loans, not consolidating them one way or another costs you somewhere between 200 and 700% interest annually. To continue paying monthly is not going to save you from those interest rates. The high-interest rate you are charged every month that your payday loan is open will be there until the entire debt is paid off. We can help you. Federated Financial is a 23-year-old payday loan, and credit card consolidation company. We opened our doors 23 years ago and have helped countless numbers of people secure their financial futures. We consolidate payday loans! We’ve worked with your creditors for many years. In most cases, we are able to renegotiate your debt for you, get you a lower payment, and a shorter time to pay your payday loans and credit cards off. In addition, your interest rates will probably be greatly reduced and we can save you somewhere between 30 and 50% in total. I couldn’t imagine what you might be waiting for.

You’re on our site because you’re in debt. Many of you are in payday loans or credit card debt. If you want to consolidate that debt give us a call, or fill out that short form on our page and somebody will be back with you immediately during business hours. If it’s after hours we will return your call first thing in the morning. It’s really that simple. Let us cast some light on this darkness. Let us get you out of that debt in the shortest amount of time for the least amount of money. We can do that. We’ve been doing it for almost a quarter of a century and we do it well.

Being in debt can be Hell. There’s no reason for anybody to be in Payday Loan debt. Payday loan debt consolidation is the best-kept secret. The last thing your lender wants you to know is that you can get out of payday loan debt interest-free. Once you get started the process is easy, and we have a 23-year track record along with an A+ rating with the Better Business Bureau that says we can do it! Start today!

1006, 2020
How many reputable payday loan consolidation companies are out there?

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Not many. I know that because so many of them you see online have just sprung up over the last couple of years. Federated Financial, which is multifaceted and a One-Stop shop, works with payday loans, credit cards, and medical bills. It takes many years to build a payday loan consolidation company into a trustworthy and well-respected agency. The best payday loan consolidation companies are able to deal directly with your creditors. These lenders know Federated Financial very well. When we tell them that you are working with us they know that in most cases they will get paid. That makes a difference to you. The dunning calls usually stop, and in most cases, we can reduce your interest rate all the way down to 0%.

Remember, that’s down from anywhere between 200% to 700% annually. That’s right. Your payday lender is charging you enormous amounts of interest annually. The rate reduction is important. It lowers your balance and consequently lowers your monthly payment. In addition, the best payday loan consolidation companies are more than one-trick ponies. As I mentioned up top we can consolidate just about anything.

Companies like ours who work with banks have specific code numbers that were assigned to us over 20 years ago. They don’t assign these codes anymore and consequently, new companies do not have them. Unless you’ve been in this business for a minimum of 20 years, you don’t have a code. The banks do not give them out anymore. Consequently, agencies without codes cannot reduce your interest rates for credit card debt. There are two more very important things you need to know when it comes to choosing the best payday loan consolidation companies. Most important is how they rate with the BBB. We are rated A-plus. That’s not a coincidence.

You need to know if the company that you’re working with has longevity. The longer your agency has been operating the more credibility it has with the lenders. We have been in business for 23 years. Go to the top of our page and fill out our quick form, or give us a call during business hours. We are here to help you and we will. We treat our clients like family. That’s because we care.

2505, 2020
Some more random thoughts from a real PDL consolidation company!

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Broward Dade and Palm Beach county beaches are opening tomorrow. Now that’s important, not!! At least the powers-that-be were smart enough not to open them today. They would have been inundated with people but for the fact that we are having monsoon rains and nobody would have come out anyway. Restaurants are opening up. They’re putting as many tables outside as they can because they’re allowed to have diners outside. Inside is another story. I believe they’re only allowed to open up 50%. In addition they need to follow complete social distancing rules, and consequently have everybody seated the requisite distance apart. I’ve seen videos of restaurants installing partitions in between booths. I’ve also been reading that in some of the smaller restaurants the ventilation systems are not new and consequently will not filter the virus but spread it around the room if somebody were to sneeze or cough. To me that looks like a disaster waiting to happen but I’m not an expert. Thank God! Look where the experts got us. Beauty salons and barber shops are opening up tomorrow in South Florida.

That’s exciting. Not!! I need a haircut. Everybody I know needs a haircut. 90% of the women I know need to take the gray out. My question would have to be, is my hair worth my life? I already know the answer. Think about it, these places will be filled to 50% capacity. 6-foot social distancing, and a hairdresser wearing a mask standing in front of you. She is leaning into you while she’s cutting your hair. Now I’m one of those people that wears a cloth mask that ties in the back twice. In addition there is a pouch of the mask for a HEPA filter which I use. I feel extremely protected. What about the people who are wearing paper masks. Somebody’s going to sneeze. Somebody’s going to cough. We’re human beings it’s what we do. The CDC says that 35% of coronavirus cases can be asymptomatic. If that truly is the case everybody is susceptible to catching it and all the thermometers taking temperatures and all the precautions and the assertions that people make about not being sick are all useless. Nobody has a clue as to as to whether they’re sick or not if they feel fine. I’ve also read that a good number of swab tests, those tests where they stick a footlong Q-Tip up your nose have been coming back false negative. Some people do not have as much virus inside of them as others do and consequently the swab does not pick up enough of the virus to register positive. This massive reopening is not a wonderful thing. I don’t care what any politician says, red or blue. The bottom line is if there’s no way to take a test that gives you an accurate result there’s no way we can all go back to work. It’s really very simple. In addition, if this whole thing blows up and I hope it doesn’t, the country will be shuttered again. That could very well be the end of the economy as we know it for the next 20 years. That’s a disaster in the making.

On a more pleasant note Major League owners, and the MLB players association will be sending figures back and forth to each other regarding the percentage of pay that each player will make this year. It looks like they’re going to play ball! Even in an empty Stadium it would be a welcome relief. A strand of normalcy in this crazy world we live in. they need to resolve their issues this week because spring-training number two would have to start the following week and hopefully by the third week of June the schedule will be redone and will have baseball back. at this point both the players and owners realize that Major League Baseball attendance has been down every year over the last seven years and the last thing they want to do is take a year off and let people forget how much they love the game. I could never forget, but the casual watcher can. They’re going to make it exciting. Half a season. Sprint to the finish. And they’re talking 10-team playoffs. Sounds like fun. Governor Andrew Cuomo of New York has officially stated that it’s time to play ball in New York and he’s offered any team having a virus problem in their home state to relocate in New York for this training. New York and New Jersey have three large ball parks. Yankee Stadium, Citi Field, and Giants stadium right across the river in Jersey. In addition Minor League Baseball thrives in upstate New York. Syracuse, Binghamton and many other small towns are home to minor league teams and have first class facilities. This is an ongoing story but it is a step in the right direction and hopefully it all works out. I don’t know how they will keep everybody healthy but they have a list of protocols that could fill a phone book. Fingers crossed on this one.

Finally, on the financial front, leaders in both the house and the Senate from red and blue States all agree that stimulus checks should be sacrosanct. in other words they are in the process of putting together and passing a bill right now that’s going to protect the stimulus check that you’ve either received or are going to receive very soon, from any claim a creditor may lay on it. In other words these checks are like Social Security checks or retirement accounts. Uncollectible! I think it’s the right thing to do and many states have instituted non collection mandates. It’ll soon be law. What about payday loans. Many payday loan companies are run by native American tribes. They work on sovereign Indian land and are exempt from collection laws. If you need real PDL consolidation help you need us. You have borrowed through the years and many folks have run up some serious PDL debt. Rolling one high-interest loan into another is not the way to do it. You need payday loan consolidation from a real PDL consolidation company. I keep calling us real because we do the job we promised to do. We’re a 23 year-old company with an A+ rating with the BBB. We have impeccable credibility and great relations with your creditors. They work with us and they work with our program. We have integrity, and will they know when we tell them you’re working with us more than likely they’re going to get paid. There are plenty of bad actors out there taking money from the people who can least afford to pay it and are not doing the job. You’ve stopped on this site, you’ve looked around. If you need help starting today, give us a call, or fill out our short form and somebody will get back to you first thing tomorrow morning. For real PDL consolidation, Federated Financial is your answer and your bridge to financial freedom.

2505, 2020
So who consolidates credit cards? Federated Financial that’s who!!!

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Yes we do! We’ve been consolidating credit card debt for 23 years. We know our business. We’ve all run into some hard times. many people have been out of work for a couple of months now and unemployment has never been this high. If this reopening plan works properly and the country does get back on its feet hopefully quarters 3 and 4 will reflect the rise of employment but it won’t happen right now. So, you’re deep in credit card debt and you’re a couple of months behind. The banks will start calling again pretty soon. What do you do? Do you take out another loan and pay all those payday loans off at once.

That would give you one monthly payment which wouldn’t be a terrible thing, but, we can give you that one monthly payment too…. That’s right, it’s an installment payday loan consolidation. You’ll be paying a lot of interest and penalties if you make your own payments. Even paying in full is not going to save you from all those late fees. In addition the high interest rate you are charged while running up this payday debt will still be there every month until the entire debt is paid off. We can help you. We are veterans of credit card consolidation. We’ve worked with your creditors for many many years.

In most cases we are able to renegotiate your debt for you, get you a lower payment had a shorter time to pay these credit cards off. In addition your interest rates will probably be greatly reduced and we can save you some where’s between 30 and 50% in total. I couldn’t imagine what you might be waiting for. You’re on our side because you’re in debt. Many of you are in credit card debt. If you want to consolidate that credit card debt give us a call, or fill out that short form on our page and somebody will be back to you first thing tomorrow morning. It’s really that simple. Let’s cast some light on this darkness. Let’s get you out of that debt in the shortest amount of time for the least amount of money. We can do that. We’ve been doing it for almost a quarter of a century and we do it well.

2405, 2020
Why are payday loan companies important?

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I know that’s a crazy question to ask given that you’re on this site looking for real Payday loan consolidation. Payday loans are the reason you’re here and they’re probably a major thorn in your financial side, so to speak. I believe that payday loan companies can serve a purpose in our economy for many people that live paycheck-to-paycheck. As we come out of our homes, and slowly go back to work there will eventually be paychecks rolling in. We’re not quite there yet but in most States it’s going to happen soon. President Trump has stated that he will not be sending any more stimulus checks out in the near future. I actually understand that because printing money that we can’t back up devalues the dollar. We don’t want to do that because it will destroy the economy. My guess is you’ve spent stimulus money on bills that are essential and many people are finding it tough to make ends meet.

Now that’s where a payday loan company comes in. Payday loans can be a short-term play for people whose credit is not good enough for a bank loan. In those circumstances it’s a perfect solution. Remember one thing. You are paying anywhere between two hundred and 400% annually for this loan. Pay it back in two or three months and it worked out well for you and didn’t cost you much money. It was there for an emergency, and that’s what you used it for. Pay it off quickly and you’re fine. There are many who are reading this article, who are not able to pay it off quickly. That’s where the usurious rates that PDL companies charge become unaffordable. When that happens the best thing to do is ask for help. Federated Financial is a twenty-three-year-old institution, that is rated A+ by the BBB. Very important. The longevity factor is key in getting your interest rate reduced and in most cases reduced down to 0%. That allows you the opportunity to make smaller payments over shorter period of time. Our longevity factor has given us time to build strong relationships with your creditors. These lenders know us and trust us to make sure your payments get to them on time. Our BBB rating says it all. We are trustworthy. It also says that we are good at what we do. We’re proud of that. We are truly a real PDL consolidation company. We do what we say, which is something that many of the bad actors out there do not do. We can help you. We are one of the real PDL consolidation companies. I say real as opposed to fake because this company has been around for many many years. If you need help please use our number at the top of our homepage or fill out our short form and one of our certified counselors will get back to you as soon as possible. You’re in debt, and Federated Financial can help you. We treat you like family and we care!

2305, 2020
What’s up with PDL Consolidation? Why now?

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It’s Memorial day weekend and the USA is officially open for business. Hopefully it won’t be closing for business again in the near future. That remains to be seen. The point is America is now working. Slowly, people are going back to work and hopefully everything works out, virus rates don’t Spike and America is able to continue working a month down the road. I understand the reason for reopening the country. People just can’t sit at home and the government can’t afford to continuously pay out stimulus money. In addition, isolation creates loneliness and depression. People also need to have a purpose and going to work makes people feel good about themselves. It is a good feeling knowing that you’re able to take care of yourself. Domestic violence, alcoholism, and suicides all could go up in a time like this. And so, officials are trying to start things up again with a minimal amount of new infections. That’s the State of the Union as I see it today. Of course, as people go back to work the debt collectors go back to work too. That’s good for the debt collectors cuz they have to support their families like all of us do, but, it’s not that good for people who are in debt and going to start getting harassed. That’s what bill collectors do. Somebody needs to tell them that at this point in time there’s no squeezing blood from a stone.

Too much of America lives paycheck to paycheck…. At any rate, collection is part of our system of commerce and you will be bothered. You come to visit Federated Financial’s site because you have payday loan problems. You’ve come to the right place. We offer real PDL consolidation. I need to tell you that I call it real PDL consolidation because just like there’s real news, and fake news there is real PDL consolidation and not so real. There are people out there who prey on others who are susceptible in a crisis and flat-out don’t do the job properly. Creditor harassment is against the law. We do! We have 23 years of business under our belt. We have an A+ rating with the BBB. We’re good at what we do. Our longevity has given us the ability to be able to work with most PDL consolidation creditors and put you in a position to have them lower your interest rate from up to 700% annually down to zero. Most of our clients wind up in this scenario. Paying off payday debt in a short amount of time with no interest to deal with. we do something that you cannot do yourself. If you’re in Payday debt and cannot afford your monthly payments, give us a call. In the alternative fill out our short form and we’ll be back to you as quickly as we can. Federated Financial is an old and respected name in the payday loan consolidation industry. We do what we say and we say what we do. Total transparency rules! Start changing your life today!

2205, 2020
Doesn’t tragedy always bring out the best in people? Not always, read on!

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As of May 20th Americans have been scammed out of 35 million dollars based on the Coronavirus. Here are some of the ways that people will steal your money if you let them:

medical scams today

1) Beware of products that claim to prevent the disease. There have been many reports of medical scams. Understand that as of right now there are no vaccines, pills, potions, lotions, lozenges or any prescription drug out there that is able to prevent and or cure Coronavirus. Red flag alert! Avoid any website, email or text that claims to have a product that can immunize you or cure you of this disease. Be careful. There’s more reason than one, to be wary of these type sites. When you click an attachment you might be downloading malware on whatever device you’re using. There’s malware out there that can steal your logins. Your bank account data and passwords. If there was a cure out there or even a preventative drug, rest assured that the government would be out there telling the world. This is an election year and if it’s promising you will know about it.

phone scams today

2) Be very careful about anything that you answer. Answering a phishing text or email in many cases puts you on a scammer’s list. These scammers share information about people Two weeks later they’ll try again, and again until they hit your hot button. There are plenty of investment scams going around right now. High return, or guaranteed return promises are all bunch of lies. Investing is gambling. Gambling with knowledge but gambling none the less. There’s no place on this planet to put your money except into something that is guaranteed safe and or FDIC backed. Remember, I said guaranteed safe, not guaranteed. No investment is guaranteed. That is end of story. Remember, if it sounds too good to be true it always is. If you’re not sure, contact consumer affairs in your area and ask them. They will help you. If you are desperate for cash at this time and happened to take out a payday loan we can help you with that. We offer our clients real PDL consolidation. Yes, real PDL consolidation as opposed to many of the scams out there promising to consolidate your debt and having absolutely no ability to do so. We are 23 years old with an A+ BBB rating. We get the job done properly. In most cases we can have your interest rates reduced down to 0% getting you out of debt a lot sooner than you could do yourself, especially at the 200 – 700% APR that your payday lenders are charging you right now. Real PDL consolidation works. If you need us you’re on the right site. Call us or fill out our form and we’ll get right back to you.

amazon echo tracking you

3) Data is the biggest business in the world. That has nothing to do with the Coronavirus. It’s been this way for a while now and people are getting used to it. Amazon, eBay, Facebook, your cellular carrier. They they’ve all been caught tracking you and your spending habits. What makes it so egregious is these large companies that are collecting your data are turning around and selling this data to third parties that their algorithms think you might purchase something from. They’re not breaking the law. Read one of those 3 page agreement you sign when you join one of these sites. read what you are allowing them to do and then decide if you want to use their services. I would guess for some of these companies collecting your data, their data selling business might very well rival the profits of the actual products they sell. Any unsolicited emails, or texts should be immediately deleted. Give zero thought to opening them. This is not like PayPal’s money back guarantee. If you lose your money to a scam you will never see it again. If you call the FTC, they will take your information and perhaps even say thank you. That’s all they’re going to give you. Stay away from anything you’re not sure of. Very important! Make sure all your software is up-to-date on all of your computers. This virtually assures that all security protocol is up-to-date too which will protect you from people that are trying to steal. This goes from mobile devices also. I’m sure you’ve noticed that both IOS and Android rollout monthly updates that are dedicated to security. Take advantage of what they give you. It’s a gift and it’s very protective.

Here’s the thing. In times like this where you might be heavily invested and losing money, or just out of work, you’re starting to feel pressure on many levels. People want to believe there’s a silver lining. A rainbow or a pot of gold. Not so. My point is that sometimes when we’re under financial pressure we can just make poor choices. That doesn’t have anything to do with intelligence or savvy. It’s simply fear-driven but you can get hurt. Stay mindful and be aware of your finances at all times. It wouldn’t hurt to change all of your sensitive passwords every week or two. I do it. Don’t use your son or daughter’s name and their birthdate. Pick a random sequence of numbers letters caps and lowercase, as well as symbols. I’ll use as many as any particular website will let me use if I consider it sensitive information. That’s how to put these people out of business. I’d also like to reiterate to you that if you have outstanding payday loans which are especially a product of the times right now we can help you. We’re exceptionally good at what we do. We can consolidate your payday loans for you and put you in a real PDL consolidation program. Your creditors will work with us and in most cases they will reduce your interest rate. Consolidating your payday loans has never been more important than it is right now. It saves you money! If your interest rate is reduced down to 0% you could literally save thousands of dollars a year. A real PDL consolidation program can help you. Our longevity and our reputation precede us and  we are the best at what we do.

2010, 2020
What really is the state of the union today?

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News flash! Straight from the White House! The President announces Dr. Fauci and the experts are idiots, and Dr. Fauci is a disaster. This latest proclamation from wannabe King Trump confirms what he’s known all along. There’s a card missing from that deck of 52 he deals from. That’s an amazing statement coming from a man that grabbed a short video of this doc and without his consent inserted him in a campaign advertisement. I think his Royal Highness needs to make up his mind here. Now, it seems like he did. The Monarch went on to say on Monday that he has no problem with the doctor and actually likes him. He continued by adding, I think he’s a terrific guy. Then he flipped again. He went on to say that every time he goes on television there’s always a bomb. But, there’s a bigger bomb if you fire him. Well, his Royal Highness certainly has that one right. Right now Anthony Fauci is leading the polls as one of the most popular people in this country. We already know the state of King Trump’s popularity. Quite frankly it sucks. It ought to suck. He has blood on his hands. And, by the way, Trump has no power or authority to fire the doctor. All he can do is remove him from the coronavirus task force but I think Dr. Fauci has done that for himself already. More rhetoric and Bullshit from a royal despot who’s losing control.

 

I pose this question? What is wrong with wearing a mask? The idiots who the King refers to are the top infectious disease docs in the world. They say simply wearing a mask and social distancing can save hundreds of thousands of lives this winter. What’s wrong with that? You would think that a man who just was discharged from the hospital a scant two weeks ago would have been humbled by his experience. Perhaps, humbled enough to say he was wrong. Might he have said, Please wear the masks! Protect your brothers and sisters in these United States. Not only didn’t he do that but upon returning to the White House that night he took the mask off and defiantly looked out into the evening air from his portico and took the photo op. I believe his recovery was a good thing. I wish bad on no living creature on this planet. This man couldn’t keep his wife and son healthy. He allowed this disease into the White House by defying the opinions of true experts in the field of infectious diseases. The super spreader event, AKA the introduction of Amy Coney Barrett which is another story itself led to the direct infection of 32 people that we know about. That’s leadership at its best. As the King of America said, I had it, I know what it’s like to have it and I understand. I recovered. Yeah, he recovered. He received the finest medical care in the world and the finest drugs that haven’t been released to the public yet. Drugs that you and I would never see if God forbid we were infected.

 

The King speaks about rebuilding the economy and the fantastic job he’s done. All he’s done is throw Band-Aids onto the wounds, instead of going to the source and fixing the core problem. All hail the King!

 

If you are suffering financial difficulties at the hands of payday lenders our payday loan consolidation program can help you. Federated Financial is a 23-year-old company, A+ rated by the BBB. Our years of experience allow us to work closely with your creditors and in most cases by doing that we can reduce your interest rates from up to 700% APR down to 0, thus lowering your monthly payment and your time to get out of debt. Simply put, we are the best. If you need help with Advance loans, call us today or simply fill out the form on the top of our homepage. Today can be the first day of the rest of your life on the road to financial freedom.

1510, 2020
Unemployment requests jump and some people just don’t seem to care!

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Job reports came out this morning and the numbers don’t look good. Almost 900,000 people applied for unemployment last week. The nation has been hovering around 800,000 new claims each week and it took a jump today. People not only aren’t going back to work, but more are losing their jobs. Where are our leaders? In the last couple of weeks both governors, Ron DeSantis of Florida and Governor Greg Abbott in Texas have allowed stadiums to open to full capacity. I watched the Texas A&M Florida game last weekend and I was shocked at how many maskless people there were in a crowd of 40,000. Florida comes home and announces that they’ll have a full house this coming Saturday. 80,000 people in the Swamp? Thanks, Governor DeSantis. Another spectacular job you’ve done there. It doesn’t look like it’s going to happen. Fate dealt with these poor kids who play football and totally rely on their coaches who are their mentors to protect them a horrible blow. 19 of those kids came down with coronavirus this week. That’s 19 boys because let’s are real here. 18 and 19 and 20-year-olds aren’t fully grown men between the years yet especially in a protected college setting. They were let down by the people they trusted the most, their coaches and state government. It doesn’t look like Florida’s playing anything this weekend but the quarantine game. It’s really sad. These kids don’t get paid yet they can get sick. Numbers are spiking all over the country, yet these two governors say take off the masks and let’s play some football..

 

And now I digress for a moment. Why are there 900,000 unemployment claims this week? These are new unemployment claims. That’s because companies are going out of business for good given that some of our elected officials don’t recognize that there is an absolute pandemic still alive and well and growing in this country. These college kids are just pawns in the game of life to these universities and are just money-making machines for their school. That would be not for themselves but for their school. Truth be told, our leaders don’t seem to give a s*** and it looks like the plan here is to achieve herd immunity. We saw how that worked out in Sweden. NOT!! I throw my hands up in the air when I see stuff like this and I want to stand on top of the Empire State Building in New York with the biggest microphone on the planet and scream “get out there and vote vote vote!!!!”

 

This is why people are out of work. If you are on this site because you’re having financial problems we can help you with your payday loan consolidation. Don’t be one of those people who should have done it. People went back to work and went back to the old way of taking payday loans. These loans are now going to bite almost everybody that has one, especially if these people lose their jobs. Let us help you get rid of those advanced Loans now before it’s too late. Federated Financial is a 23-year-old company that is rated A plus with the BBB. The Better Business Bureau has bestowed its highest rating upon us. There’s a reason for that. We do a great job. In most cases, we can reduce your interest rates all the way down from a high of 700% right down to 0. If you need help, start changing your financial future today. Call us. Our number is right on the top of the page. If you’d prefer to fill out our short form and somebody will get back to you during business hours….. within a half hour. We are highly respected and most importantly, we care!
910, 2020
Make a change start today! Reboot your Financial life!

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As I write this the world is changing before us. More people are going back to work because they have to. The unemployment stimulus has run out and right now today it doesn’t look like any new help is in sight. Now, hopefully, people in this country start earning a living again and begin to dig out of their financial mess. This pandemic has hurt all of us in many ways. Many Americans have gotten into a specific kind of problem that can seem insurmountable at times. Each year 12 million folks take out payday loans. 12 million people taking out payday loans at interest rates that can run anywhere from 200 to 700% annually. During the last five or six months, businesses were closed.

Consequently, the collectors weren’t working and most of the collection lawyers weren’t working either. Now that people are back to work everybody is doing what they do. The problem is so are the collectors. Many fell way behind on these loans with no one to show them an easier way out. It’s ridiculous to think that some Americans who might be making minimum wage or a bit more are responsible for thousands of dollars that they truly intended to pay back when they took these loans out. And then came Covid19. There is no way anybody who has been through this pandemic without enough savings can pay these loans off in the time frame that the creditors want, and in a way that won’t cost up to 700% interest.

Fortunately, companies like Federated Financial exist and are able to help you out. Federated is a 23-year-old A plus BBB rated company. We are a debt consolidation company that specializes in consolidating your payday loans. Here is what we do. If you’re on this site odds are you have a problem. Take a moment. Fill out our short form, or simply pick up the phone and dial the number on the top of this page. You will be connected with a certified credit counselor. This person will explain to you what you need to do to get out of debt, using our company to perform that service for you. Advanced loans are tough. Thankfully we are tougher. We can work with your creditors and send them your monthly payment at a greatly reduced interest rate, sometimes as low as 0%. Yes, that is true. In most cases, we can have your creditors reduce your interest rates down to 0%.

As a 23-year-old company, we’ve worked with the companies that you’ve borrowed from for years. They know us and they trust us. Their goal is to get paid. They accept reduced interest rate payments from us because they know when we send them a proposal asking them to work with us on your behalf more times than not they will get paid. We carry the clout that only a professional, established company has. At a zero interest rate, you will end up owing less money, consequently paying less each month and getting out of debt much quicker working with us than you could do so yourself. It sounds simple. If you can make a reduced monthly payment it usually is. Take the time to make today the first day of the rest of your life. Clean up your finances and feed your family at the same time. We genuinely want to help you. We are exceptionally good at what we do, and most importantly we care. Check out our Frequently Asked Questions to educate yourself.

610, 2020
Staying healthy in the time of covid-19 and keep paying your bills!

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It’s been an interesting weekend in America. I’m going to be nice. Before I’m nice I will say that I am a lifelong registered Republican. So, most of America is back to work. We all want to stay healthy. We want to take care of our lives. We want to earn a living, take care of our families, and stay away from COVID-19. We do not want it to make us sick. We’re living in a world that’s different. They call it the new normal and it might be the new forever. Perhaps it’s a better way to live than we had before. We will find out as time goes by. We need the vaccine but not until it’s safe. Vaccines work! If anybody doesn’t believe it, Google the word polio. Google the word measles. Google the words whooping cough. I could go on and on. My generation. The people who were born after 1955 never see those diseases again. They were eradicated from this planet with vaccines. Vaccines work! In order to stay healthy during this pandemic, when the vaccines become available to common folks like us we must take them and trust. My parents and all the parents who had children back in the 50s made sure we the children were vaccinated. Until the time comes when there is a safe COVID-19 virus wearing masks, social distancing, and quarantining ourselves if we get sick or suspect that we could get sick is an absolute must. I honestly don’t know anyone who has gotten sick wearing a decent mask and I’m not talking about the paper crap or the cloth. I’m talking about a decent respirator mask that can be purchased for pennies more than a dollar right now.

 

Unfortunately this weekend many were given a message that just isn’t true. Here’s where I’m going to be nice. We won’t mention names. We need to be afraid of COVID-19. It’s killed over 200,000 Americans. That’s something to be afraid of. It’s real. A certain VIP was diagnosed, allegedly last Friday, but it could have been last Monday because nobody’s telling. Fast forward and he’s out of the hospital on Monday night. He’s still positive but he’s going to quarantine at home and do his work from there. The problem is he tweets too much. He tells the public, do not be afraid of COVID-19. He tells the public that masks aren’t particularly necessary, see Any Coney Barrett’s introduction 2 weeks ago, and you’ll see what I mean. Including this particular person, 19 people are sick from that event. How sick, who will recover and who won’t is still up in the air! We do not know. Nobody social distanced, nobody wore masks. People need to be told what to do and the person who has the most power to do that is not telling the truth. So my message here is very simple and three-fold. Wear the damn mask. That should be a mandate. Social distance. Maintain at least 6 ft between you and whoever you’re speaking with. And, then you can go to work every day, feed your family and not worry about money. At that point, you can pay your bills. It’s a nice feeling to be able to take care of yourself. If you’ve run into problems with your payday loans Federated Financial can help. Federated can consolidate them in most cases at a 0% interest rate. We’ve been in business for 23 years and are rated A plus with the BBB. Just a thought because you’re on this site. Check out our videos for more information about our company.

 

Last thought. Don’t believe everything you hear or see on TV. Especially when it comes from a house that’s white. The man who lives in that house, that house that is white has a heart that’s black. He cares little for anybody at all except himself. Note, when someone gets out of the hospital and still tests positive they wear their mask when they walk inside their home. The man in the beautiful old historic house that’s white, can’t even protect the ones he loves by doing that one simple thing.

2909, 2020
Get out of debt starting today! You’ll be glad you did!!

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As we remain in pandemic mode, our televisions become a true gift starting tonight. This evening we have the presidential debate and we have the first round of the American League playoffs starting this afternoon and running well into the late evening. For me it’ll be the New York Yankees at Cleveland playing the Indians it’s been a long time since I’ve had two televisions running at once. Baseball and debate. I posted an entry on this site back on July 3rd. it was 21 days before the baseball season started and I said there was absolutely no way MLB could pull off 60 games per team over 2 months. In the beginning, it looked like I hit the nail right on the head and was right. The Miami Marlins had 18 players go down after the first weekend with COVID-19 and they missed a whole week of play. A week and a half later the Cardinals had their turn at testing positive. The general consensus is the players couldn’t control themselves and they weren’t maintaining the safety protocol that was set by both the league and their very own Union. To my surprise and absolute pleasure, there wasn’t another breakout throughout the rest of the shortened season. I predicted they wouldn’t finish the 60 games. I don’t know what kind of magic both Rob Manfred and Tony Clark, MLB commissioner, and MLBPA chief had up their sleeves but whatever they told these guys seem to have worked. All 30 teams have traveled regionally playing mostly 60 game schedules and I guess the boys really took the message to heart because there were no major outbreaks at all.. good job MLB! You’re two-thirds of the way home.  Both championship series, AL and NL will be played in Texas at the brand new 1.5 billion dollar Globe Life Stadium, seasonal home to Texas Rangers.

The World Series will be played there too. In addition, there will be human beings in the stands. All those silly place cards are going away. I’m assuming it’ll be something like they’re doing in Miami right now during the Dolphin games. Hard Rock Stadium in Miami has 75,000 seats and they’re allowing 13,000 people to attend each game. I suppose that was worked out by scientists, doctors, and mathematicians. The manager of Hard Rock Stadium said, “if you don’t wear a mask you’re not welcome here”. They’re taking this seriously and I’m sure MLB is too. Each sports league seems to be following successful protocols that were set up by their counterparts. So far so good… And by the way…GO HEAT! Tomorrow night Miami and Los Angeles square off at the bubble in Orlando the crown the 2020 NBA champion. It looks like their system worked too. This boils down to a sports Fan’s dream but more importantly, at least for me it brought some normality back to these crazy abnormal times and made me feel really good. I’m sure a lot of people feel like that. It makes you feel like things can and will eventually get back to at least the new normal. The baseball season was a major distraction from the tragedy and the pain caused by COVID-19.

 

Our economy opens up more and more every day! Many people have gone back to work and are getting paid. That includes collection agencies too. Collectors are back pounding the phone looking to recoup monies owed to their clients. It’s a lot easier to kick back and watch some baseball, basketball, and heavy debating with a free, clear mind. You’re on this site and you probably need help. Federated Financial is one of the oldest and most respected payday loan consolidation companies in the country. We are headed into our 24th year in business. If you need help with your advance loans give us a call or fill out our form and someone will get back to you quickly. We have working relationships with your creditors which enables us to take you through this program and get you out of debt in a shorter amount of time that you can do so yourself. Our A+ Better Business Bureau rating gives us clout and credibility with your creditors. They will take reduced payments from us most of the time at a rate of 0%. Right now you’re paying anywhere between 200 and 700%. Zero-interest equals smaller balances, which equals quicker time to get out of debt. Give us a call today and enjoy the games tonight. Take back your power and your peace of mind. We can help! we care! Check out our videos.