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The trouble with not paying your advance loan debt!

Bills suck! That’s not a new concept. Being behind on your bills during the Coronavirus really sucks. It’s tough to make a buck these days. Many hard-working Americans have fallen behind on their bills during these strange days. What happens if you just can’t pay? I’ll begin by saying I’m not an attorney but I’ve had many years of experience in this business. This is not legal advice but this is the way I’ve seen it go down. Creditors have rights. Yes, your lender has structured their contracts to make sure that they always have recourse if you default on your payday loan. Speaking from experience I can tell you that the phone will ring off the hook at all the wrong times. Calls from the people who loaned you the money. You will receive mail that could be threatening. Are some of the threats illegal? From what I’ve seen through the years the answer is yes but nonetheless, they can be frightening. You might even have somebody knock on your door. I’ve heard of that happening too. At the end of the day, if these people don’t get paid they will more than likely file suit against you for money’s owed, fees, and attorney costs. If you can’t work out a payment arrangement depending on where you live, they might have the right to go to garnish your income, or your personal property. If this were to happen you could very well fall deeper into the trap because they’d be taking a portion of your salary each week. That could happen. At that point, It would be difficult to pay any of your bills.

 

What can you do? Hopefully, you haven’t been served and sued. If that is the case Federated Financial can probably help. You don’t need to hire a lawyer if an action has not been filed against you yet. Federated Financial is one of the oldest payday loan consolidation companies in the country. We are rated A+ with the BBB. We are going into our 24th year of business. In most cases we can get your creditors to reduce their interest rates all the way down from 5, 6, or 700% to 0% APR which saves you money each month and consequently lowers your monthly payment. It’s better than taking out a consolidation loan because a consolidation loan will cost you money and interest payments. Taking out one loan to pay off another makes no sense. All you need to do is to fill out the simple form on the top of our page or give us a call during business hours. Somebody will be back to you quickly or at the start of the next business day. Our program is tried and true and it absolutely works for most people. Let one of our certified counselors tell you all about it and let you decide if it can work for you too.

 

What causes unmanageable debt?

There’s an old saying, bad things happen to good people. It really never fails and it’s sad. Yet times like these put people in a position where they have to make decisions that they don’t like to make. We live in the time of covid-19. Many people are out of work. Many people were deeply in debt before this virus came to our shores. A lot of people have already made emergency choices that weren’t good, just to live during the last nine months. This is certainly not an assignment of blame but a sad statement on the state of our affairs in our country. It seems payday loans are a pervasive problem. Even in states that ban these loans Native American Tribes still offer them online. Payday loans for food, electricity, car payments. What is someone to do when they don’t have a place to go to work?

 

You’re reading this post because you’re on this site and you probably have a problem with your payday loans. It’s not your fault. This is 2020, the strangest and worst year that I’ve seen in my whole life. And I’m not young. The question you need to ask yourself is, what are you going to do about it? Given that many Americans are going back to work right now the last thing you want to do is let it go legal. Letting it go to the lawyers can lead to possible lawsuits and garnishments. You don’t need another loan either. You need to consolidate your payday loans. Working with a company like ours puts you in a position to have your interest rates reduced in some cases from upwards of 600% annually all the way down to 0%. This will lower your monthly payment and provide you with a shorter time to get out of debt. We’ve been in business for 23 years and have an A+ rating with the BBB. That gives us the credibility with your lenders to negotiate your interest rate down low, and get you out of debt sooner than you could do so yourself. As an old respected company, we can get just about anything done. Don’t let your advance loans destroy your finances. If you want to learn more about advance loans visit our FAQ page. Fill out our simple form or just give us a call during regular business hours. We can help. we treat our clients like family and we care.

Four days till the election!

Yes, it’s four days till the election. History will more than likely describe this election as the election of the millennia. Without a doubt, the most important election any of us will ever see. I’m writing this post as an independent. I changed my party affiliation over the last couple of days. I voted last Saturday. We have two choices and neither of them is great. Two Senior citizens asking for your trust and of course your vote. Nobody knows who’s going to win this election or even has a clue. After 2016 I think all the polls are garbage. So many people are silent about their voting preference or don’t tell pollsters the truth. First off, no matter who you’re voting for or who your favorite candidate is you must get out there and vote. Our fathers and I’m talking about my father’s generation,  to fight a war for our freedom back almost 80 years ago. They died on foreign soil so that we might have the right to do exactly what I’m telling you to do now. You’ve just got to vote. But who do you vote for? Do you vote for the Challenger, a man with almost 50 years’ experience in government? Forget about what Donald Trump says about Joe Biden. They’re opponents and they’re not supposed to like each other. Joe Biden has many years of experience, under his belt, and he’s been through just about everything anybody could have seen in their lifetime. As a senator and then as vice president of the United States, Joe has seen all. I think he possesses a certain empathy for the people and a real love for this country. Donald Trump is a different kind of president. He’s not a Republican in the sense that I knew Republicans when I first started to vote back in the 70s. It’s all about the economy and the money. I’m not saying that’s bad. That’s his message. The people and the country run a distant second to what’s important to him. In normal times that’s all that counts.

 

We don’t live in normal times. It’s a frightening time. 

It’s a time where people we know are dying. The sad part about that besides the loss of human life is all that death and disease could have been and still could be greatly mitigated. Our president has chosen to eschew masks. I believe from the beginning he thought that masks were a sign of weakness and it was a weakness he didn’t want to show the public. I’m not going to make any Kind of political statement in this blog today because that’s not what I wanted to write about. Basically, I wanted to just tell people to vote. Exercise your right and effectuate change. Every single vote counts. Your country needs you now. You need to vote and vote today. Do not mail in your ballot. If you have a ballot by mail go down to your polling place and drop it in the box. If you don’t, you’ve got to stand online and exercise your power of choice. That’s what this country is all about. Many great men over the last almost 250 years have fought and died for your right to vote. Honor them. Do your patriotic duty. Vote and wear masks!

 

You have come to this site for a reason. You have problems with your payday loans. You need help and you need it quickly. These advance loans make financial survival difficult. If you need help, you’re in the right place. Federated Financial is a 23-year-old payday loan consolidation company with an A+ rating with the BBB. We can help you. We can help you get out of debt and lower your interest rate down from a high of up to 700% APR all the way down to zero. In turn, this will lower your balance and lower your monthly payment. Times are tough now. Money is getting tight. Work with the oldest and the best. We can help you and most importantly we care!

 

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

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

 

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

 

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

Make a change start today! Reboot your Financial life!

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

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

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

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

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

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

 

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

 

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

Is it time to get out of debt? Payday loan consolidation can help!

And so we have a presidential election coming up on November 3rd. Biden is leading the polls, but so was Clinton back in 2016. On Tuesday night the 29th Biden and Trump will square off in their first debate. I believe that this debate could be a major factor in deciding the results even a little more than a month ahead of the general election. A lot of noise has been made about the cognitive abilities of both candidates. I’m not a doctor but it seems to me that under pressure Donald Trump might have the advantage. He’s still quick on his feet with a retort and unfortunately, Biden isn’t. His latest gaffe came the other day when he said that 200 million Americans have died from COVID-19. I know he meant 200,000 and so did everyone else watching but the fact remains he still said it. In addition, he said it in front of a friendly audience with no pressure upon him. Trump lies, but Biden forgets. The forgetting part is scary. I believe that short of taking the same pill that Bradley Cooper took in the movie Limitless, Joe Biden is going to have a real tough time without a teleprompter. How does this affect you?

 

I don’t think you came to this site to read about the presidential election or the debate.I assume you’re here because you have payday loan debt. In my opinion, the Democrats seem to be way more stimulus friendly than the GOP. In other words, my bet is on more money for the people if we end up with a Democratic president in office and especially if the Democrats win the Senate. These are strange times we live in. The whole country is divided. Somebody has to step forward and bring it together. If you’re here because of your Advance loans we can help you. Federated Financial has been in business for 23 years and has built relationships with your creditors. In most cases your creditors will reduce your interest rate down to 0% for us, helping you get out of debt in a quicker and less expensive way than you could do so yourself. Just fill out the form on our home page or give us a call and it would be an honor to be the company you chose to help you!  Federated Financial is an A-plus with the BBB and most importantly we care

Why let Federated Financial consolidate your payday loans?

When I go out to buy a car, I walk into the showroom and ask for the most experienced salesperson there. I want to do business with a person who’s worked at that dealership for a long time. About now, perhaps you’re thinking isn’t this a payday loan debt consolidation website? Yes of course it is, but the analogy is pretty simple. That salesperson with tenure, who I am about to torture has been there for a long time for a reason. He has a loyal customer base that every three years will come in and release a car. He treats people with respect and honesty. If he didn’t he wouldn’t last at any dealership because eventually, nobody would want to do business with him. He has product knowledge. Working at a job for a long time provides you with that knowledge, and makes you continually learn what’s going on in the industry with your particular products. This car salesperson wants me to come back in 3 years when I’m ready for a new car. He’s a long-term player. I’m sure the analogy has become clear

Federated Financial is the best at consolidating your payday loans. They’ve been doing it for 23 years with an A+ rating bestowed upon them by the BBB. Honesty and integrity provide you with an experience that you’re not going to get from a startup or a company that hasn’t dealt with your creditor’s thousands of times before. When a creditor gets correspondence from us, telling them that Federated Financial will be handling your payday loan debt, your creditor understands that it’s dealing with an old established company with years of industry experience. It makes it easy for us to deal with your creditor, consequently, you benefit by the terms that in most cases we’re able to negotiate for you. Most of the time we will have your creditor work with us to reduce your interest rate down to 0%. That’s usually a reduction of somewhere between 200 and 700 points. That’s right. Interest and fees in some cases can run you up to 700% annually. Lowering your interest rate to zero, ensures you get out of debt in the quickest amount of time with the lowest monthly payment possible. Payday loans are tough. Especially in these times, it’s understandable why some people have to turn to them. If you are experiencing extreme payday loan debt please, fill out the form at the top of our page or give us a call during business hours. You will speak with a certified credit counselor who understands your situation and your needs. Your certified counselor will explain this program to you from a to z and if you feel that it’s something that will work for you as it’s worked for hundreds of thousands before you, you’ll start relieving your payday loan debt today. Federated Financial treats its clients like family. It’s because we care.

Take me out to the ballgame! Coming to a stadium near you on July 24, 2020…..Or maybe not!

The news is scary. It seems like COVID-19 is everywhere and spreading. Kind of a strange time to open up the baseball season. MLB plans on playing a 60 game season using a new protocol that they believe hopefully will inhibit COVID-19 from infecting the players. They will be playing in empty ballparks! A 60 game season has plenty of perks, especially for the bad teams. Any team can get hot for two months and surprise the country. There could be a longshot champion this year if… If they complete the season. I’ve written a lot about baseball in this blog. It is my favorite sport. So here’s my take. There will not be a 60 game schedule this year. Sanitation, separation, and only regional travel won’t make a difference. There will be no spitting, no tossing the ball around the infield, and certainly no high-fives or hugs. If it happens it’s going to be strange to watch. I hope it happens. Deep down I don’t believe it can sustain. They are 1800 major-league players on their team rosters right now. Umpires add to that total. Too many people and too much virus to save the season. I’ve read that the NBA is watching closely and will decide whether or not to play this year based on what happens to baseball. So, It seems as though professional athletes can be put out of work just like everybody else. The difference is most of them are extraordinarily wealthy and can afford it.

Here is my point. COVID is spreading once again. Anybody can be put out of work at any time now. This is the time to get your finances in order. Many people have gone months without paychecks and are just back at work. They’re struggling to pay their bills. They’re trying to pay their payday loans down. People need to pay down payday loans before the looming specter of job loss occurs again. Payday lenders have loaded you up with fees and interest that can total up to 700% each year. There’s no way to get out of debt in a short period of time paying rates like those. Federated Financial, our 23-year-old payday loan consolidation company can change that scenario. We are recognized By the BBB as an A+ rated company. That gives us clout with your creditors, Consequently, in most cases, we can get them to lower your interest rate down to zero and have you out of debt in a much shorter period of time then you could do so yourself. Payday loan debt sucks. It’s financially crippling. We are able to help you. We are one of the oldest companies of our kind in the country and we treat our clients like family. Give us a call during business hours or simply fill out our form and somebody will get back to you. We can get the job done! We care!

This is the best time to consolidate your payday loans!

Why? Why is this the best time to consolidate your payday loans? 25 States are in the red zone dealing with large coronavirus outbreaks. Big States, California, Texas, Arizona, and Florida to name a few. Here’s the problem. Many have gone back to work. When you’re working you can borrow. When you borrow you have to pay it back or face consequences that might even include lawsuits and judgments. Defending those cost a lot more than paying off your payday loans. The problem begins when some of these states start rolling close-downs. A rolling close down is when hotspots in the particular State that’s affected are closed for a certain amount of time until the area cools off a bit. Unfortunately, this means many will be out of work. Although it will hopefully be for a shorter time than before, people still won’t be earning a paycheck. Right now with money coming in is it a good time to take care of this debt that will haunt you for as long as it’s out there. Payday lenders are known to be very aggressive when it comes to collection on these loans. Borrowers are out there paying 200% all the way up to 700% interest annually on their payday loans. While it may impossible for you to pay off your payday loans due to the high rate of interest you’re being charged, payday loan consolidation will make all the difference. Payday loan debt consolidation is simply you making your payments to your particular lender through Federated Financial, a 23-year old A+ BBB rated company, and in turn, having us forward your payments to your creditors. Many may ask, what is the financial advantage? The answer is simple. In most cases, our payday loan consolidation company can have your interest rates reduced all the way down to 0% by simply making your payments through us. Yes, you read that correctly. And turn that will reduce your interest rate down to zero and allow you to have a smaller monthly payment and a shorter time making those payments to get out of debt. The goal here is to be debt-free if and when you get shut down again. We all need to take into consideration that this pandemic will not last forever. More than likely in a couple of years it will be a memory. My contention is that people need to get rid of this kind of debt as soon as they can. To have it sit for two, or three, or four months do to another shutdown will cost you quite a bit of money in interest and late fees as opposed to paying it off while you still can at a monthly number you can completely afford.

When choosing a payday loan consolidation company to work with, the two most important things to look for are age and credibility. Our twenty-three-year-old company has been open that long for a reason. We do our job. The BBB gives us an A+ rating which in turn gives us credibility with you the customer, and just as importantly your creditors, with whom we’ve been working with for many years. Our relationship with your creditors almost ensures that they will accept our proposals to reduce your interest rates down to 0%. You’re on our site. That means you’re needing help. You’ve come to the right place. We are one of the grandfathers in this business and we treat our clients like family because we care. Call us today, or alternatively fill out the short form on our home page and someone will get right back to you.