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LOAN RELIEF BLOG2020-09-10T11:04:45+00:00
605, 2020
The country goes back to work at the cost of human life!

By |Categories: Advance Loan Consolidation, Current Events, debt-consolidation, finance, Payday Loan Consolidation|Tags: , , , |0 Comments

Incendiary headline? Perhaps. Truth? No doubt. So here’s the thing. It’s basically a lose-lose situation. Models predict that the death rate per day in the United States will spike up to 3,000 people by June. If we don’t go back to work some people will be financially destroyed. Already payday lenders are flourishing and payday loan consolidation companies are fighting to keep up with them. New clients are flocking in. If we don’t go back to work, mental health will continue to suffer. What I mean by that is that during this lockdown people have been getting depressed. Especially seniors who live alone. The suicide rates have been going up. Domestic violence calls have been rising greatly. People are literally going stir-crazy. This is a complete no-win situation. I would hate to be a President right now. Every call is the wrong call except for one thing. Our president had the choice to roll this out slowly or straight out open it up like a bull in a China closet. That would be the opening he’s chosen which in many states is in direct contravention to CDC guidelines and his own guidelines too. He released those guidelines just a week or so ago and the one that sticks out in my mind is a state must have a 14-day contiguous decline in virus before re opening. In his reopening plan that decline has not been complied with. He just can’t comply with his own rules. He has zero patience. At this point in time this should not be about politics. As President George W Bush so eloquently put it the other day, and I’m paraphrasing a bit, this virus doesn’t play favorites between the one party or another. We need to put politics aside here and just do the right thing. Governor Andrew Cuomo during his press conference just this morning asked The $64,000 question.

How much is a human life worth? Very complex question given the circumstances. His answer was “human life is priceless”. He would add, that his reopening plan has a circuit breaker. As soon as the levels of the virus go up the State closes again because human lives matter. So where am I going with this? As I said in the beginning I wouldn’t want to be the President.What happens in the next month will define his legacy. It will cement his place in history till the end of time. What price has he put on human life.That question might not be difficult to answer. The answer goes something like this.. the models were predicting around a hundred thousand deaths by August as recently as 10 days ago. Some models are now predicting more than twice that. 3000 deaths a day. If that were to happen it would be like having 9/11 every single day. Not everybody is like Governor Cuomo. There’s a big election coming up in November, exactly six months away. I believe the answer lies somewhere in between the quandry questions and is based solely on politics. The president believes, based on his actions, that 100,000 extra deaths are acceptable to keep the country economically afloat. Personally I don’t agree but it’s not my decision to make, and Donald Trump has an election to win. What to do? It seems to me this is a decision that can’t be made by a man but has to be dictated by the universe. I agree with Governor Cuomo. Every single human life is priceless. If you don’t believe that talk to the next of kin of the last person who died of Corona.

The financial problems we’re having here in the USA are real. So many people are still out of work and many of them have gone back work this week or will be going back next week. They’ll be a price to pay for that. The alternative is not feeding your family. There are certain things that we here can help you with during this very very strenuous time. We can help you with your bills. We are the best payday loan consolidation company out there. Our 23 years worth of experience says this is so.

Obviously if you’re on this site you are looking for a great payday loan consolidation company. Stop right here and browse no further. Federated Financial is a full-service payday loan consolidation company. We work with all types of debt and our specialty is payday loan consolidation.if you’re one of those folks that need help, just call our number on the top of the front page or fill out our 1-minute form and hit submit. Someone will get back to you very soon. We enjoy what we do, we have the longevity to do it properly and we care!

505, 2020
Payday loan consolidators!

By |Categories: Advance Loan Consolidation, debt-consolidation, finance, Payday Loan Consolidation|Tags: , , |0 Comments

Well, that’s an all-encompassing term. What exactly are payday loan consolidators? It’s just another way that people refer to companies that consolidate payday loans. It doesn’t refer to individual employees although actually it could. It’s very simple. Payday loan consolidators simply take all of your information, give you a new pay date and a new payment amount. In most cases you can pick the date. They notify your creditors that you’re in a payday loan consolidation program and most of the time your creditors will reduce your interest rate down to 0%. Sometimes that can be a savings of up to 700%. That’s right. Some payday loans have interest rates running up to 700%.there have been times where I’ve told the client that they’re paying 640% per year and they don’t believe it. The first thing I tell people is please read before you sign. It’s essential to do that no matter what you’re buying. Rest assured that the language in your contract is not language that is in your favor. Federated Financial is a member of that payday loan consolidators group. In other words we’re just one of the companies that do that this work and we’ve been doing it for 23 years. We are the absolute best at what we do. Remember that number just for a moment. There are many companies on the internet that tell you they can do the job. The difference is we can prove it. Ask these companies how old they are.

When you see trustpilot on their site ask them what their BBB rating is. If they tell you that they only use Trustpilot and they don’t like the BBB that means they’re not telling you the whole truth and the BBB really doesn’t like them. What they’re not telling you that the BBB ranks them terribly and they need to use Trustpilot which is a company you pay for good ratings. Yes you heard it here. Trustpilot isn’t real. Whether it’s in our category or any other category on the internet it’s a sham that’s been set up to help companies that have a bad track record. We’re proud to say we have an A+ rating with the BBB. That means something. It’s a tough thing to get and maintain for 22 years. Yes, 22 out of the 23 years we’ve been in business we’ve had an A+ rating with the BBB. There are very few companies that can say that. Our longevity gives us credibility with your lenders and enables us to work with them. 99.9% of the payday lenders know that when we tell them something they can believe us. If you’re looking for a great payday loan consolidation company, look no further. We’re the best in the business and our track record proves it! We Care!

405, 2020
The real condition of our country and payday loan consolidation in the time of corona-virus!

By |Categories: Advance Loan Consolidation, Current Events, debt-consolidation, finance, Payday Loan Consolidation|Tags: , , , , , , , , , , |0 Comments

As most Americans have been doing I’ve been giving some thought to the spin coming out of the White House. Our President keeps saying that things will be better soon. He’s entitled to that thought but many people believe just the opposite, and I believe he does too. His evening press conferences are filled with positivity and thoughts that this will all be over soon. There’s either one of two things going on here. Number one is that he believes it. Contrary to everything his experts tell him he believes that everything will be okay. The second thing that could be happening, and I believe is happening is that President Trump is campaigning every single night. His position is powerful. He’s getting free TV time every night and his opponent who I don’t like much either doesn’t get the same because technically this is a press conference not a political advertisement. Even with all this free TV time his numbers are going down in the polls that he doesn’t believe in and as he would say that’s not a good thing. He’s opening up important businesses. He’s encouraging governors to do the same.

Important businesses? Barber shops, and movie theaters? Why doesn’t he spend his time shutting down the payday lenders. That is definitely going to be another post here real soon. He’s forcing hard-working Americans, desperate for money to take out payday loans that they can’t afford. This eventually leads these people down the route of payday loan consolidation. All of that is stressful and unnecessary. I’d like use this blog today to give you my take on what’s really happening here. The president can tell you forever that things are getting better but proof is in what we see and what we hear. It doesn’t look good and it doesn’t sound good. There are three ways to look at this. What is status quo and has it changed? What has changed for the better? And what has changed for the worse? Status quo, 30% of our workforce is not working. Unemployment applications are at a new high and corporate earnings are down. Status quo is that in the United States over a thousand people are dying of covid-19 everyday. That’s status quo. That’s horrible. Status quo is that we walk everywhere in public wearing a mask. Status quo is that all the major sports leagues are not playing sports. MLB has come up with a plan to play that might or might not be approved by the players union but would certainly be interrupted if 10 guys tested positive. And this would be in empty stadiums. The chance of seeing basketball or hockey finish their seasons is becoming more remote as the days pass by. If anybody believes that football camps will open in July I would tell them to lose that thought right now. That will not happen. We will not be far enough along.

Now, that might sound strange to say given the flattening of the curve in so many places as well as the inevitable downward slope that occurs after it flattens. But I’m right and I’ll tell you why in the portion of this post that talks about things that are getting worse. I guess the new status quo is being able to get a massage or a tattoo in Georgia. Congratulations Mr. Governor. Job well done. Again, I say, why not go after the payday lenders. They’re open too.I’ve been in this business for years and I see what they do to people. The borrowers come to us for payday loan consolidation and I can see firsthand how badly they’ve been hurt by payday lenders. These are just a few of the status quo things that popped into my head. What’s getting better? The death count is going down as well as the infection rate. That’s proof that science works. A month of stay-at-home and social distancing slowed the spread and greatly reduced the morbidity rate. It’s really like a miracle especially in a city like New York. That’s absolutely a positive. Unfortunately I can’t think of very more positives that have happened. Most people still walk around frightened and wearing masks. People that rely on their government to keep them safe but their government really has no intention of keeping them safe. Please read on. What’s getting worse? I’m going to tell you a story. I needed cash yesterday and I needed more cash than my ATM would allow in a single day. I’m doing work around the house and it keeps me busy and I like it. It also costs money. I went to my local Bank of America branch and found that it was closed. This is Friday at noon. This can’t be right. I went to the one about four miles down the road and it was closed too. Now I know there’s something wrong. I pulled off the road and googled my problem. if it was publicized I didn’t hear about it but all the banks are cutting their hours and cutting their open branches daily down here in South Florida. I finally found an open Bank of America and found a line that was around the building. To be fair, common social distancing played a big part in that. People were spaced 6 feet apart and wearing masks. I parked my car and got online with the everyone else. If I didn’t know better, I would have thought there was a run on the banks. Great time to close your branches Bank of America. Good job. A shout out to Wells Fargo and TD also. I read that they’re doing it too. When I finally got into the bank I was greeted by a masked police officer. Very strange. He seemed easy going, so I asked him what exactly was going on. He told me that somebody was robbed outside this branch the day before. His patrol car as well as his presence would definitely stop that from happening again. I believed him. I haven’t seen anything like this in years.

Armed guards in Banks? That’s not progress that’s digression. The elephant in the room or in this blog post so to speak would be the United States of America opening up over the next few days and people going to work. Down here in South Florida, Dade Broward and Palm Beach counties are still shut down and they will be for a while. Southeast Florida still has it bad and somebody must have told the Governor moRON DeSantis that opening up South Florida wouldn’t be the right thing to do at this time. So the rest of Florida along with most of the country is starting to reopen. What does that mean? Well my take is that it means a lot of people are going to get sick,  maybe even for the second time, because we don’t know if having it once grants you complete immunity. You just can’t have all these people going back to work and interacting with others, masks and all, and think they are not going to get sick. We saw what happened the first time. This is an absolute case of our federal government putting commerce before human life. I’m all for commerce. Please understand that I don’t want to see this stock market, tank and our economy destroyed. Yet I think we need to weigh the advantage of reopening against the damage that will potentially be done. I believe another month would make a huge difference. I think that the American people are smart enough to know this.

Everyone I’ve spoken to, and myself included does not feel safe enough to walk into a restaurant and have dinner. It’s kind of disconcerting to have your server masked and gloved, and having to sit there with your mask on until the food comes. That’s not my idea of a relaxing dinner. Sorry. I know there are many places I will not go. I’m not going to go get a haircut. If it gets too long I’ll tie it back or I’ll have a friend cut it. My hair is not worth my life. This is not something getting better this is something getting worse. As of these businesses start to reopen I believe Wave 2 will start to appear. We won’t see it immediately. It’ll be like the first time. We’ll see it around a month or so after we reopen. Experts have said that when we first started testing and each state was showing 5 or 10 people infected they were probably tens of thousands of people walking around with the infection and we now know that’s true. I believe we’re in for a Long Winter this summer. I believe it’s going to last until the beginning of 2021 at best, and at worst for another 18 months. Until such time as all Americans AND all citizens of the world can be inoculated we will all be in danger of getting sick.

People are going back to work now. This is the time when we need to restore our financial health, cross our fingers and hope I’m wrong. You’re on this site because you’re having problems with your payday loans and can’t make your payments. Payday loan consolidation is the most viable option to fix your finances. You came to this site and you’re still reading. Payday lenders are predators. It’s in times like these that they thrive. Paying somewhere between 200% and 700% interest annually should be outlawed, but it’s not. Payday loan consolidation can reduce your interest rates in most cases down to 0%. Throughout our 23 years in business we have developed great relationships with your creditors. Our A+ BBB rating insures that our communication with your lenders will be fruitful for you. Because of our longevity in this business your creditors in most cases will reduce your interest rates down to 0%. This will allow you to get out of debt quickly and with less financial pain. Payday loan consolidation will start you on the road to financial recovery. Federated Financial is the consolidation company you want to work with when you consolidate your payday loans. We Care!

305, 2020
The “Spit” is starting to hit the fan! What happened to the money?

By |Categories: Advance Loan Consolidation, Current Events, debt-consolidation, finance, Payday Loan Consolidation|Tags: , , , , |0 Comments

I think I’d like to start here by saying that I hope that Steven Mnuchin is right, and all the people out there are going to get that $1,200 stimulus in the next couple of days. I know that everybody needs it and if you’re on this site I know that you folks need it too.you wouldn’t be looking for payday loan consolidation companies if you weren’t in debt.I still have hope for that program and I believe that it’s going to happen. I hope for the sake of all who need it I’m right.

There’s something else that I’d like to talk about here and it’s a classic government screw up at best and hopefully it doesn’t turn into who put their hand in the cookie jar. My politics don’t matter although I do lean a bit to the right. At this moment the White House has egg not just on its face but all over the building. What happened to small business covid-19 loans? The following information is as of this morning April 13th 2020 at 9 a.m. Based on polls the government has sent out 2.5% of the payroll protection loans that have been applied for. Shame on them. Shame on them for not setting up the system better. But it gets worse. Out of those 2.5% the 20 million dollar Max load just doesn’t exist. The average speed from application to approval is 5.7 days.

The median company size that’s being helped has 14 employees and the median load size is $79,000. Large Banks like JPMorgan Chase, Bank of America, and Wells Fargo to name a few are non players. 88% of these loans have been given out by small regional Banks. The government issued a statement along the lines and I paraphrase that the initial plan was overwhelmed with large requests and there would never have been enough money to satisfy all the companies in need. Well, I got to call BS on that one. They’re bad players in every game. If the government would have taken the time to set parameters and had a concrete way of enforcing them things would have been different. It is in times like these that the good in most people come out but unfortunately there’s evil out there too and some people were trying to take advantage of the system. Now, it still gets worse.

The bipartisan bill that was passed in Congress provided for loads up to 20 million dollars per business based on revenue and employees.How long did they say the money was going to last and where are they going to find more money in Washington to further subsidize these programs? Their solution is despicable. Just to summarize it the maximum loan isn’t 20 million dollars anymore. It’s not 10 million or even one. It’s $25,000. This is a akin to you winning the lottery, saving your family and their home and just sitting waiting for the check to do it. Instead of the $100,000 that you won they said you a hundred bucks and say sorry we ran out of money. I got to call BS on that too. If you look at the accompanying chart you’ll see the amount of employees and the amount of money that’s been lent to these companies.

Keep in mind two things. These charts AR not scientific they are based on polls.as I scan the charts the first thing that hits my eye is the proportion of the amount of money that was asked for by the business as opposed to their gross dollar intake. A lot of it seems disproportionate to me.in other words these companies are asking for too much money but the flip side is is their owners are guaranteeing the money with good credit. If these companies are not getting the money where is the money going? Remember, only two and a half percent of these loan applications have actually been funded. Right next to that chart is the received EIDL GRANTS. This stupidity guaranteed advances on every single PPP loan requested at a minimum of $10,000. That part it itself reaches the outer limits of absurdity.

To guarantee loan applicants $10,000 before their credit was checked and their loans were approved could be construed as negligence by the law makers that conceptualized this program. Based on a small sampling even this incredible screw up didn’t work the way it was promised. The average payment speed of these grants what’s 14 days so far. The median company size is seven employees and the median Grant size is $7,000. This is something I saw coming all along. I’m talking about the EIDL GRANTS. I never saw the PPP system screwing up but it did. So now you have hundreds and thousands of people, perhaps billions sitting and waiting for their Grant. Yet it’s never going to happen and the worst part about this is that there is a clause in this bill that the president signed that guarantees the advances within 3 days. The administrators of this program at the SBA have broken the law. I could play this game all day long and take it on a long road of finger-pointing forever. As more time passes more information will come out. What incredible gross negligence.

And by the way. One half of 1% of the people that requested a grant have received one. All of this makes me wonder. Where exactly did the disconnect start? Are lawmakers living such an incredibly protected existence since the day their daddies bought them through college that they don’t understand how money and business works? Or, in the alternative, are they just too freaking stupid to understand, or are they just playing politics and don’t really give a spit? Where is all this allocated money going? We are talking about 350 billion dollars out of a 3 trillion-dollar total allotment of government funds put out there there to save and bolster the economy during this incredibly tough time.

Is this just a case of gross malfeasance or is it a case of fingers in the cookie jar. Nobody knows that, YET! There are a couple of things that I know for sure. There haven’t been enough mainstream complaints for the government to have to come out and make a statement about this.YET! It really doesn’t matter at this point if this is stupidity or something a whole lot worse.YET! You can rest assured that no matter what’s caused this problem that neither our president or any member of his cabinet, or any Democrat or Republican on the hill has any urge or inclination to discuss this. This is our government working for us. So let’s get back to basics for a moment here.

205, 2020
All about Payday Loan Consolidation!

By |Categories: budgeting, debt-consolidation, finance, Payday Loan Consolidation|Tags: , , , , , , , , |0 Comments

*Can you put payday loans into debt consolidation?

Of course you can. There are companies like Federated Financial that only specialize in payday loan consolidation. Old established companies like Federated have great working relationships with your creditors. in most cases your creditors will reduce your interest rate down to 0% consequently getting you out of debt in a much shorter period of time. This is the reason that people consolidate their payday loans.

*Is payday loan consolidation legit?

That’s kind of an offshoot of the first question we received. We receive many questions, every day about what we do. Payday loan consolidation is legit. It’s been going on for years. Payday lenders will almost always work with our company because they know we’re reliable. Federated Financial is 23 years old with an A+ rating from the BBB. Unfortunately they’re always bad actors out there. They’re not legit and that doesn’t help you get out of payday loan debt. When consolidating your payday loan you need a company that’s old and established like Federated Financial. We’re honest, we’re respected in the industry, and we really care about our clients!

*How do I get out of payday loan debt?

That seems to be the question we’re asked the most. When you’re deep in Payday loan debt, sometimes it’s hard to conceive of getting out of the trap. Interest rates can run you up to 700% annually and you feel like you’re financially buried. Sometimes it’s hard to think rationally when you have financial difficulty. Here’s how you get out of payday loan debt. You’re on the right site, right now! Federated Financial‘s payday loan consolidation program works! Simply fill out the form on our homepage or use our toll-free number to contact our company. we will explain to you exactly how to get out of payday loan debt. If it’s something that you want to do we notify your creditors and in most cases they stop calling. In most cases they’ll reduce your interest rates down to 0% and consequently we are able to get you out of debt in a much shorter . Of time then you could do so you yourself. Payday loan debt can turn into a vicious cycle of rolling one loan into another. We can stop the cycle and help you start a new debt free life!

105, 2020
Consolidate your payday loans and start living your new life today!

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*Will payday loan consolidation hurt my credit?

In most cases, payday loan consolidation won’t hurt your credit, but it won’t help your credit either. Payday loan lenders usually don’t report payday loans to a credit bureau except if they’re delinquent. The only things that happen when consolidating your payday loans all work for you. Your interest rates are reduced enormously. Payday loan interest rates customarily run between 200% and 700% annually. Payday loan consolidation can in most cases lower your interest rates down to 0%. This keeps you from remaining in the cycle of constantly rolling up one payday loan into another. Paying off payday loans certainly doesn’t hurt your credit. It helps you to maintain whatever credit you have.

*Can you add payday loans to debt consolidation?

Of course, you can! Debt consolidation is simply taking all your debt and rolling it up into one monthly payment which is dispersed to your creditors at a reduced interest rate. Anything unsecured is almost always accepted into a payday loan consolidation program. Given the state of our economy, especially now in the time of coronavirus, many people are running into payday loan problems and needing to consolidate their payday loan debt. Federated Financial is a 23-year-old A+ rated BBB company. We have a tried & true formula that can help you get out of debt at a greatly reduced cost, over a shorter amount of time than you could negotiate for yourself. Debt consolidation of your payday loans works!

*Should you consolidate your payday loan with a personal loan?

That is a subjective question. Everybody has their own opinion. I’m going to tell you why consolidating your payday loans with another loan makes very little sense. You wake up one day and you decide you want to consolidate your payday loan. If your credit is still good you might very well be eligible for a debt consolidation loan which in turn will consolidate your payday loan. My question is, why consolidate one high-interest loan with another? Instead, just consolidate your payday loan with a debt consolidation program. That way in most cases, you’ll be replacing your high-interest loan with a no-interest debt consolidation plan. We’d love the opportunity to explain it all to you! Please feel free to call us anytime, and we can show you a quicker and less expensive way to get out of payday debt then borrowing more money!

3004, 2020
Consolidate payday loans!

By |Categories: Advance Loan Consolidation, Current Events, debt-consolidation, finance, Payday Loan Consolidation|Tags: , , |0 Comments

Do you need to Consolidate payday loans? We receive questions every day. Here are a few!

Can I consolidate all my payday loans?

In most cases the answer is yes. You can consolidate all of your payday loans. Most payday lenders will work with us and reduce your interest rates down to 0%. This will put you in a position where you can consolidate all your payday loans into one monthly payment. That payment should be considerably lower than the payment you are making right now.

Will payday loan consolidation hurt my credit?

Interesting question because  your payday loan consolidation payments won’t boost your credit but making those payments can help you not hurt your credit anymore. Payday loan lenders customarily don’t report your loans to the credit bureaus but if you default on your payments they will. That’s why it’s extremely helpful to make your payday loan consolidation payments to a reputable payday loan consolidation company.

What happens if you can’t repay a payday loan?

Your payday lender can sue you, take you to court and if they win a judgment against you, dependent upon where you live they can garnish your salary and even take your property. Payday loan consolidation is the answer. What payday loan consolidation companies do is turn all your payday loans into one monthly payment and in most cases have your interest rates reduced down to 0%. This will get you out of debt in the shortest amount of time possible. You will also get out of debt for the least amount of money, usually at 0%. These are the two most important aspects of payday loan consolidation

2904, 2020
Let’s talk about payday loan consolidation companies!

By |Categories: Advance Loan Consolidation, Current Events, debt-consolidation, finance, Payday Loan Consolidation|Tags: , , , |0 Comments

We receive questions through emails and telephones daily. I’m going to go over a few of them today.

*Who is the best payday loan consolidation company?

The answer is pretty obvious. Federated Financial is the best payday loan consolidation company. You might ask why? 23 years of experience, and an A+ rating with the BBB virtually assures creditor compliance with our request to help you consolidate your payday loans.

*Do payday loan consolidation companies work?

Of course they do. I know that they work because Federated Financial has been here for many many years and helped hundreds of thousands of people consolidate their payday loans. Creditors respect longevity in a payday loan consolidation company. In most cases they would be willing to reduce your interest rates down to 0% lowering your monthly payment and getting you out of payday loan debt in a quicker amount of time.

*Can I get a loan to pay off my payday loans?

People need a good score to qualify for a personal loan that’s not collateralized. This is why people use payday loan companies. It’s also why people come to us to consolidate their payday loans. Payday loan consolidation is a viable option to taking out a loan. Why take out one loan to pay off another? payday loan consolidation companies help you get out of debt by having your creditors lower your interest rates dad to 0% in most cases. Another loan will cost you interest!

2804, 2020
Businesses to start reopening! What does that really mean?

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As I type this, Governor’s around the country are loosening the restrictions that were put on businesses, specifically to keep people apart. These shelter at home mandates worked well as curves are flattened and reversing their course. So what happens to these businesses. Here’s my take on this. If you build it, will they come? I say not yet. I believe that government officials didn’t consider how the general public felt about sitting in a restaurant with this virus still floating around. People are still getting sick, going to the hospital and in some cases dying.

It’s hard to believe that people would be feel comfortable sitting in a restaurant with pizza and beer, yet. There’s just too much going on. Governor Kemp, the genius who governs Georgia is finding that out right now. I wonder how open bowling alleys are faring? I mean really? Open up a bowling alley. How about those massage parlors? Hey Governor Kemp! Is there a reason you chose massage parlors? Do you like them? And while I’m asking questions how do you like your endings? I’m guessing Happy endings always are always the best way to end the story! I’m really laughing as I write this but in no way shape or form is there a reason to open these type businesses right now. By their very nature bowling alleys encourage lack of social distancing. Who wants somebody, even masked somebody, leaning forward in your face and cutting your hair? I don’t. If it gets a little longer I’ll just tie it back. It sure beats getting the coronavirus. Legitimate massage is intimate. You’re up close with your therapist. One cough, one sneeze, or in Governor Kemp’s case one shot and it’s over. I believe the public is aware of this. I think they are more concerned and still frightened and government officials give them credit for.

Businesses will reopen and become profitable again when people feel safe enough to come out and that’s the bottom line. Regardless, now is the time to make changes in your life because everything is almost starting anew. You’ve come and visited this site because you’re having payday loan problems. Payday lenders have gouged you and you’re likely paying well over 200%, and up to 700% interest on these loans annually. So you’re looking for a payday loan consolidation company. I know you’re looking for us. You want a company with credibility. You want a company that has longevity in the industry. In our case it’s 23 years with an A+ BBB rating. A payday loan consolidation company that does a good job has those two attributes. They have have them in order to get your creditors to work with them and reduce your interest rate in most cases down to 0%. We can do that. Our payday loan consolidation company, Federated Financial has built up a track record with your lenders. They feel confident dealing with us because they know when we say you’re going to pay we mean business. We’re here, and we’re waiting to hear from you. Fill out our form or give us a call. Our payday loan consolidation company can help you, we are pretty darn sure that. We care!

2704, 2020
The three true outcomes! Major League Baseball does it best……

By |Categories: Advance Loan Consolidation, Current Events, debt-consolidation, Payday Loan Consolidation|Tags: , , , |0 Comments

Major league Baseball has completely revamped and redefined the way it measures statistics, and uses what they call saber-metrics to dissect everything that happens in the game. They use something called the “three true outcomes” to describe certain game situations. I don’t mean any specific game I mean the game in its entirety. Here’s what I mean. These are the three true outcomes. The only three true outcomes in a baseball game. Strikeout walk or home run. There is absolute resolution after each one.

The same holds true for the reopening of our country. I believe there are three true outcomes. Outcome number one: The country continues to slowly reopen. People fearfully go back to work but with protocols in place the infection rate stays status quo, there are no spikes, and the gradual decline continues. The true outcome here is people continue working

Outcome number two: People go back to work in the slow rollout time that the State governor’s talk about and the infection rate starts to spike, leading to more sickness and death. The true outcome here is the country has to close back up.

Number 2 is a direct vessel to number three. If the if the country closes up again the economy will totally tank and we will see a depression worse than anything that has ever been seen before. It will be worldwide.

These are the three true outcomes of America reopens again, or whatever it is he’s calling it these days. I think that number three is beyond scary. None of us know what a financial collapse would do to our country and the rest of the world. How would people react? The haves and the Have nots would be separated even more than they are today. Would there be anarchy? Would the have and have not system change? Would the halves be the people with the weapons and would the wealthy, or former wealthy people become the Have nots and subject to the whims of the new haves? Would owning weapons be the new wealth? Many things to ponder as we watch a progression. The effect of a complete economic meltdown is more frightening to me then the virus itself. The virus can eventually be contained and eradicated with a vaccine. The destruction of our society might never be fixed.

Today we deal in the present. We can’t worry about tomorrow because we all need to get by today. We either thrive, or just survive. Everybody out there should thrive. If you’re on this site you’re here for one reason only. It caught your eye because you have payday loan, advanced loan debt. You are here because payday loan consolidation is your only option, and it really is. It works so simply. You sign up and in most cases we can work with your creditors and reduce the exorbitant interest rates your paying down to 0%. Payday loan consolidation is the only product out there that can do this. When looking for a really great payday loan consolidation company consider the most important thing to be how long have they been in business? Federated Financial has been in business for 23 years with an A+ rating with the BBB. We’ve forged long relationships with your creditors and they will work with us, unless there are extenuating circumstances. In order to get yourself out of payday loan debt and thrive through this pandemic you need to fill out our form or give us a call and we will show you how payday loan consolidation can help you. It works. And we care!

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

By |Categories: debt-consolidation, finance, Payday Loan Consolidation|Tags: , , , |0 Comments

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.

2105, 2020
Let’s get REAL…PDL CONSOLIDATION is the only way to go during this pandemic!

By |Categories: Current Events, debt-consolidation, finance, Payday Loan Consolidation|Tags: , , , , |0 Comments

Why do I say this, and why do I say it the way I do? Two words, it’s true! Two more words, we’re real! That’s true too! We have been in business for 23 + years, with an A+ BBB rating. We can consolidate your payday loans and in most cases have your creditors reduce your rates down to 0%. Those payday lenders who are gouging you with interest, in most cases will reduce your interest rate down to 0% for us. Given the state of the economy, many people are very likely in the rollover mode. Just rolling one into another, paying enormous fees, and up to 700% APR. We can help. We can help starting today. Just fill out our 30 second form or give us a call. Why do I say real? Unfortunately there are many bad actors out there. They promise you everything under the sun and a lot of times they disappear. And they disappear with your money. In troubled times there are always predators who are skilled at taking advantage of a bad situation. Everything I buy, is always bought from a business that has an established track record of success. You don’t stick around in this business for 23 years unless you’re good. When I use the term, Real PDL Consolidation, I don’t use it lightly. We are the real deal. We know what we’re doing and most importantly we have experience working with your creditors. That way we can almost assure your lower interest rates. We know that desperate times call for desperate measures and many people have needed to take out a payday loan just to cover the cost of life’s essentials. Food, shelter, electricity and healthcare. I’m positive that a PDL was not anybody’s first choice. Nonetheless, if you are on this site I suppose PDL’S were the only choice you had and during these times everybody has to make sacrifices. you made the sacrifice and hopefully things are turning around now. Hopefully you’ve gone back to work and you are once again able to take care of your bills like you always have before. I know the creditors have gone back to work. I’m sure you’re receiving dunning calls from your payday loan lenders. Real PDL Consolidation, done by an old established consolidation company is the answer in this particular situation. There’s no other way. Make today the first day of the rest of your life. Give us a call or fill out our form. We have qualified, and certified PDL consolidation counselors at the ready waiting to help you. Consolidate PDL’S today! You will be glad you did.

2005, 2020
Who is Federated Financial? Are we a real PDL consolidation company?

By |Categories: Advance Loan Consolidation, budgeting, Current Events, debt-consolidation, finance, Payday Loan Consolidation|Tags: , , , , |0 Comments

Who is Federated Financial? Federated Financial is a real PDL consolidation company. It has been in business for 23 years. We have been a leader in the credit card and PDL consolidation business for a long time. As one of the grandfather companies of this business we have created protocol and procedure with your creditors to ensure that our program works for you. When it comes to your credit cards we can work with your lenders to have your interest rates reduced, in most cases between 30 and 50% and get you out of debt in a much shorter period of time. When it comes to Real PDL Consolidation we are absolutely the best. I’m using the term Real Payday Loan Consolidation because as I searched the categories I found that there are a lot of bad actors in the game. It’s pretty easy to spot them.

federated financial

They’ve not been in business for many years. They don’t use the BBB as a criteria and consequently they use Trustpilot which is an “I’ll pay for ranking” company that is very new and probably very much under investigation. The next time you see a trust pilot ranking on any page for any company in any business, delve a bit deeper and find  their BBB rating. You’ll be surprised how low it more than likely is. So from now on I’m going to call us a real PDL Consolidation Company and a Real CC Consolidation Company. CC standing for credit cards of course. In most cases, our payday loan consolidation program can reduce your interest rates down to 0% and consequently get you out of debt and it’s shorter and less expensive period of time. These are very uncertain times we live in and when we purchase a financial product we really need to make sure it’s the best. 23 years in business and an A+ rating with the Better Business Bureau says we are the best and consequently further shows that we are a Real PDL Consolidation company and a Real Consolidation Company too. If you want to work with the best give us a call. If you’d prefer, fill out our secure, 30-second form and somebody will get back to you ASAP! It always pays to deal with the best when needing the best service! We are the best. We provide the best service and most importantly we treat our clients like family. We care!

1905, 2020
Why consolidate my payday loans when one loan at the bank can do it all at once?

By |Categories: Advance Loan Consolidation, budgeting, Current Events, debt-consolidation, finance, Payday Loan Consolidation|Tags: , , , , |0 Comments

That’s a question we get asked from time to time. The answer is pretty black and white. Yes it’s true your payday loan it’s costing you a fortune in interest. And yes, a bank loan could probably be had, if your credit was up for it, for a whole lot less interest. Here’s the thing. Why take out one loan to pay off another? You’re not making money on any loan you take and you’d be losing money both ways. In addition it’s another absolute obligation and given the circumstances that we’re all in today, our ability to pay back a loan can sometimes be a coin flip based on employment circumstances. We don’t know what tomorrow will bring. Here’s the reason to consolidate your payday loan. It boils down to simple math. Do you want to pay interest or would you like to pay off that payday loan interest-free without taking another loan? The answer is as plain as day. Consolidating payday loans is what we do. We’ve been doing it for 23 years and  are rated A+ by the Better Business Bureau. Our A+ rating suggests that what we do works. In most cases we can bring your interest rate down anywhere between 200 to 700% points annually. all the way down to 0%!!!! How does that work? Because of our longevity in the business we have good working relationships with most of your creditors. In most cases they’re willing to reduce your interest rate down to 0% on your payday loan consolidation. They want their money back and if they can’t make the interest at least they receive the amount of their initial loan. We have many many years of experience and we’re very good at what we do. So, that brings up the question why take out one loan to pay off another? To me there seems like there’s no reason at all. Payday loan consolidation works and we are here to consolidate  payday loans. It’s what we do. Take a moment. Change your financial future. Give us a call. We’re open Monday through Friday. Or in the alternative fill out our 30 second form at the top of our page and one of our certified counselors will get back to you as soon as possible. There are many companies out there bragging about what they can do. The first question I ask anybody before I do business, is how long have you been in business? You see where I’m going with this. Check out this link. I’m proud to show it to you. It shows you that we have the longevity that I speak of. Look at our incorporation date. We are in our 23rd year of existence. I only know of one other company in this industry that can say that. Deal with the oldest, deal with the most experienced, and deal with the best payday loan consolidation company out there.
1805, 2020
Up-to-the-minute results of our country reopening!

By |Categories: Advance Loan Consolidation, budgeting, Current Events, debt-consolidation, finance, Payday Loan Consolidation|Tags: , , , , , , , , , , , |0 Comments

As of this morning there have been more than 1.4 million coronavirus cases in our country. That’s based on the Johns Hopkins University estimate. Approximately 89000 people have passed away in the United States. Major automakers, Chrysler Fiat Jeep, Ford and General Motors are slowly beginning to reopen for business. The stock market was up almost a thousand points today. The market has reason to be hopeful. The reason for this optimism is that pharmaceutical company Moderna, has reported that their first clinical trial has shown that out of 45 people injected with the new vaccine, all 45 developed antibodies that normally only occur in people who have already had the virus. That is incredibly promising news. They’re 45 for 45 independent of the size of the dosage which varied by person. A big start, and phase 3 will start in July. They are optimistically hoping for a year-end vaccine. That’s probably the biggest news of all. Moderna is an United States based company out of Massachusetts. It would be great finding the cure here in the United States. That would reaffirm our greatness in the field of science and make sure that Americans, especially our healthcare workers in America would be inoculated first. So for every positive there’s a negative. isn’t it amazing how good news brings the morons out? The number of vaccinations administered to children in Michigan has dropped by as much as 22% during this pandemic. This report was released today by the CDC. The CDC happened to use Michigan as a case study but it has no bearing on other states in this nation. Why are people not getting their children vaccinated? The answer is pretty simple. It’s not Financial because I know that most states have programs to inoculate children regardless of their parents ability to pay. It has nothing to do with socioeconomic circumstance or the almighty dollar. This is all about the ridiculous anti vaccination groups keep popping up all over the world. I don’t get it. In this case science completely rules. When I was a kid I had to take a polio vaccine. They don’t give those anymore. No more measles or mumps shots either. Why not? Because these diseases have been eradicated from the planet. Is it magic? Did David Blaine make them disappear? Course not. Vaccinations rule. Why do people believe that their children should not be vaccinated? In this case you could lay odds that all these non vaccinators blame the inoculations that people have received throughout the years as the cause of the continuing covid virus. How ridiculous is that?

In other news Georgia has been open for more than 2 weeks now and as yet, there has not been a spike in Corona cases. There are probably two reasons for that and I hope I’m wrong about this. Reason number one could simply be that there’s always a lag between infection and symptoms. Especially symptoms that are bad enough to require seeing a doctor or going to a hospital or taking a test. Now fingers crossed, I’ll say  the other possible reason could possibly be the new way that we’re learning to live. I’m referring to social distancing and no physical touching as in handshakes. This very well could be keeping covid-19 at bay in the state of Georgia. I’m sure we’re going to find out really soon especially as more and more states begin to reopen.

How about restaurants? Is it safe to go out and eat. There are many new rules in place for going out to eat. Hand washing and employees wearing cloth face coverings are both essentials. The CDC recommends that all restaurants intensify sanitation disinfection and cleaning. Create social distancing by spacing tables and continuing to recommend curbside pickup. Restaurants are required to develop a system to check for signs and symptoms of covid-19 in their employees. So now, will the people come back? That’s an unknown. We do know that restaurant capacity is going to be greatly cut given the rules about separating tables and total people allowed in each establishment. It’s tough for the restaurants to begin with. The situation we are in makes it much tougher. Think about it, we go out to eat to relax. Maybe we go out with our kids on a Sunday. Our adult kids and sit in a sports bar watching the game and eating wings. Well there are no games and there are rules for the customers too. Face masks are required. The only time they can be removed is when you are eating. Your server will be wearing a face mask and gloves. Now I see this in Publix when I go shopping and I have to admit that I am feeling a certain level of discomfort when I’m walking in a grocery store. But, grocery shopping isn’t supposed to be relaxing. It’s a necessity. I can’t imagine not having that same feeling in a restaurant where everybody is masked and if you just sit and try and forget about the world around you you’re reminded every time you open your eyes if you are sitting in a covid-19 world restaurant. I’ve got to tell you. There’s nothing relaxing about that in my opinion. Although I support this country and certainly small business, I’m going to choose to sit those restaurants out for a while. I don’t mind making my own food sitting in front of my own big screen television set that broadcasts in 4k, and not worrying about somebody walking by, or serving me and sneezing while I’m not wearing a mask. It’s really that simple. I think the restaurants have a big tall ladder to climb and it’s going to take a long time before people are comfortable again. I won’t be comfortable until I’m able to get a vaccination. We go to the grocery stores because we have to. Nobody forces us to go to a restaurant. I am not anti restaurant. I am anti covid-19. Now I feel the same way about gyms. This one I don’t get and I am a workout person. Now full confession, I have a full gym in my house and I’ve always used it. I don’t need to use a public gym but I’ll occasionally drop by one of the gyms in my community perhaps a few times a month because of the social aspect involved. I’m glad I don’t have to do that now. How many times have we been in gyms, I mean real gyms and have had the person in front of us not clean off a bench that they sweat on, or a machine? In my mind gyms are already Petri dishes for disease. why would we put ourselves in Jeopardy doing something that we specifically do to be healthy. There are plenty of household items you can use to have a really good workout. The elliptical can be replaced by brisk walking and the same benefits will be reaped without the risk of catching covid-19. I don’t believe that one person in our government ever thought what would happen if everything reopened and nobody came. The jury is out on all this right now. There ought to be a verdict in the next month or so. Once again I really hope that I am wrong.

The lone Star State has reopened. Yes Texas is open for business. The only problem in Texas is that this weekend, and Saturday specifically Texas had the biggest single day jump in covid-19 cases since the pandemic began. 1801 new cases were diagnosed on Saturday. Texas Governor Abbott, laid the blame on the City of Amarillo noting that there were 700 new cases in Amarillo alone on Saturday. Is that really an important point? Amarillo is a hotspot. We all have cars. We go places. I don’t believe it’s safe there. I wouldn’t feel safe doing anything in Texas right now yet against all the original criteria for reopening including a 14-day downslope in new cases Texas has reopened.

These are some of the things that I noticed today in the news. Our world is still crazy. It seems like the craziness will never end. I genuinely hope like all of us do, that there will be a vaccine and it’ll happen sooner than later. I hope the people wise up and stick out their arms to accept the needle gratefully. Everyday is a day to watch. Day to keep our fingers crossed and Hope that we’ve finally crossed the bridge and we’re going to be able to continue to work and keep this country open..  Most importantly keep all that horrible death away.

payday loan consolidation

Let’s take a moment and talk about why you are on this site. Many people have lost everything since this pandemic started. Nobody really thinks about what it would be like to be out of work through no fault of their own for 3 months. If you’re on this site it’s more than likely you took out a payday loan. Payday loan lending should be illegal. A loan shark will lend you money for less. If you are deeply in debt and stuck under the specter of one or more 700% interest payday loans you’ve come to the right site. Federated Financial is a 23 year old payday loan consolidation company that can help you. In most cases we are able to reduce the exorbitant interest rate charged by your lenders down to 0%, which gets you out of debt in a shorter period of time than you could do so yourself. Our program has proven itself over the last 23 years. We have an A+ rating with the Better Business Bureau. Our payday loan consolidation program, put you into a position to retire your debt early and get on the right track again. There are so many predators in tough times like these. History has recorded them all. People who prey on other people’s misery. Payday loan consolidation works and it can work for you. Give us a call during normal business hours. 9 to 6 Monday through Friday. Or in the alternative fill out the 30 second form on the top of page and someone will be back in touch with you ASAP! I’m very proud to say we are great at what we do and we really care about our clients. The country is back at work and collectors are doing what they do best. Being pests! Let’s get the Raid and remove them from our lives. In this case the Raid is a good payday loan consolidation program…. At least it keeps the creditors away!