6574 North State Road 7 #137 Coconut Creek, FL 33073
Mon-Fri: 9am - 9pm
25 May 2020
credit card consolidation

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

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.

25 May 2020
payday loan consolidation

Some more random thoughts from a real PDL consolidation company!

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.

24 May 2020
real pdl consolidation

Why are payday loan companies important?

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!

23 May 2020
payday loan consolidation

What’s up with PDL Consolidation? Why now?

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!

21 May 2020
pdl consolidation

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

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.

20 May 2020
payday loan consolidation company

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

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
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!

19 May 2020
payday loan consolidation company

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

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.
18 May 2020
corona virus threat

Up-to-the-minute results of our country reopening!

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
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!

16 May 2020

The most important thing to do if your payday lender sues you!

People get sued everyday. Civil lawsuits that usually have to do with debt. Banks suing credit card customers. Automobile lenders filing suit after repossessing a car to recover their damages. Landlord tenant disputes. I could go on all day. What do you do when you get sued by a Payday lender? Well I know what a lot of people do. The reason I know is because we hear these stories every day from our clients. Most people ignore these lawsuits. They don’t show up in court. Their lender ends up winning a default judgement and the plaintiff  also ends up receiving everything they asked for in their suit.

They can even ask for things that aren’t completely honest and true because not showing up allows the creditor to tell the judge whatever story they choose to tell. Don’t believe for one moment that lawyers don’t lie. In most cases the judge will grant all that’s asked for because there’s nobody representing you and disputing the information from the creditor. In addition, many Judges feel that by not showing up you are disrespecting the court. They stamp these things and then creditors can start looking for, and in some cases garnishing your money and taking your things dependent upon where you live and what the laws are. So here’s the thing. It’s okay to lose a lawsuit. It’s not a death sentence. BUT, sometimes the plaintiff doesn’t have A GOOD CLAIM  to begin with, but you didn’t show up to defend yourself and you lose by default. Here’s what I mean. Payday loan lenders assume that you won’t show up.

advance loan debt consolidation
payday loan debt consolidation

Sometimes, they include language in their contracts that’s in direct contravention to the laws of your state. They include language that would make the contract null and void if only you were there to defend. So many people lose in court because they don’t take the time and spend a few dollars to defend themselves. Many times defense doesn’t pay off, but when it does pay it pays off big time. The whole moral of this story? You get sued get a lawyer. I know lawyers are expensive. Many lawyers will provide you with free consultations and if not perhaps it’ll cost you $200 for an hour to have a lawyer read a contract. That’s all you need. For starters anyway. You might be surprised to find that there is language in your contract that turns that contract into a nullity. Another words you win. If you do lose you do have an out.

Federated Financial is one of the oldest payday loan consolidation companies in the country. We’ve been in business for 23 years. We are rated A+ by the BBB. When searching for payday loan consolidation companies you need to look for longevity. Longevity is the key when dealing with a company like ours. it proves that are successful and we’ve lasted for a long time. In addition, we have long-term lasting relationships with your creditors. Your creditors know who we are and know our reputation and they trust us when we tell them that we’re working with you and that you are going to pay. In most cases these creditors will reduce your interest rate down to 0%. That alone makes your payment way more affordable and gets you out of debt in a much shorter amount of time. There are many companies that consolidate payday loans. I know you want to work with the one that can help you the most. Call us Monday through Friday during normal business hours or simply go to our quick 30 second form on our home page and fill it out. Hit submit and you’ll be called back within the hour. Payday loan consolidation works. We’ve proven that. If you can’t win in court we will help you win anyway. In most cases you can take that to the bank. Remember! Never let a creditor obtain a default judgement against you. It would be a shame to lose when victory would come easily.

15 May 2020
payday loan consolidation company

The truth about payday loan consolidation and collection agencies going back to work!

Watching the news on television is like watching a partisan rally. There is no truth. Only BS. And speaking of the word partisan, this country has never been more divided by politics then it is today. That doesn’t help any of us and no matter what either party does it’s not going to help you relieve your payday loan debt. The Democrats are going to pass a new bill today and send it to the Senate where it will be destroyed. Senator Mitch McConnell in all his redneck glory has already come out and said as much by saying “it’s already as dead as fried chicken” The Republican-controlled Senate obviously will not pass this proposal. There is an interesting piece of proposed legislation in this particular bill. Debt collectors will receive a bailout in this proposal made by the Democrats. I find that incredibly interesting given the liberal attitude that prevails today. So why bail out debt collector’s? 

Debt collection is a huge industry and there are a lot of federal moratoriums right now on collecting debt. That, combined with the shutdown that’s just starting to lift has put people who work in that industry as well as the companies they work for in jeopardy. So, the companies that barrage you with dunning letters and phone calls are going to be helped by the government. At first glance it annoys me. I’ve been dealing with these creditors and working with our clients for quarter of a century. My heart lies with the client not with the collector but there’s way more to it. There are certain facts that I am positive about. It comes from being in the business that I’m in. Payday Loan borrowers contact a payday loan consolidation company to consolidate their payday loans. The payday loan consolidation company contacts the creditor and the customer is in a payday loan consolidation program. Then the payday loan consolidation company forwards the clients payments to the lender at a greatly reduced interest rate which negates the up to 700% that any particular client could be paying to the lender.

So here is point number one. Payday loan consolidation companies effectively negate the need for collection agencies. Payday loans are a huge business and many payday loan companies depend on these companies to collect their money for them. Once a person finds a payday loan consolidation company that they’re comfortable with and gets into a payday loan consolidation program there is no need for the collection agency in their case. I get that. In addition, many states have passed laws that severely limit or prohibit collection agencies from collecting just about anything in these days of Coronavirus. And my point is? Well, point number one is that payday loan consolidation works and a good payday loan consolidation company can get you out of debt. And then you might ask? Given the moratorium on overdue bills why do I need payday loan consolidation? Good question and here’s my second point and the rest of the collection story. A large portion of payday lenders operate their businesses online. That in itself is meaningless. In some cases it even hurts the payday loan lender because many times their paperwork doesn’t cover payback laws in certain States in which they work. The important point is that these online payday lenders are very likely to be businesses owned and operated by native American tribes.

If there is a moratorium on collection it doesn’t extend to native American reservations which for all purposes are sovereign countries unto themselves. That’s why you, the Payday Loan customer is probably still getting barraged by collection agencies operated simultaneously with loan companies owned  by native Americans. Where does that put you, the payday loan borrower? It puts you right back to square one. You’re in a position where you need something to help you out of debt. A good payday loan consolidation company can do that. Companies that consolidate payday loans are a saving Grace to people that are mired in Payday loan debt. In most cases a good Payday Loan Company can take your outstanding debt and offer you a reduced interest rate that is usually 0%. This allows you to pay off your payday loans in a greatly reduced period of time at a greatly reduced amount of money. There is no substitute for a good payday loan consolidation company in times like these. Native American sovereign ground it’s just that. It’s sovereign. Depending on where it’s located some local laws might be adopted and or apply to these nations but not all of them. That’s what gives your local casino the ability to operate in a state where gambling is illegal. I think that last sentence paints the perfect picture of the situation.

So what do you do? We understand why you took that Payday Loan in the first place. There are so many people in this country hurting financially. Sometimes cash is Cash no matter where it comes from. We can help you stop the madness of constant payday loan rollovers and off-the-chart interest rates. Federated Financial is a twenty-three-year-old company with an A+ rating from the BBB. We are good at what we do! We can consolidate your payday loan debt and get you back on your financial feet more quickly then you could do it yourself. Now that people are going back to work the last thing they should be doing is spending their money on anything but necessities.