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How Payday Debt Relief Can Change The Way You Manage Debt

How Payday Debt Relief Can Change The Way You Manage Debt

Stop The Cycle And Take Back Control Of Your Finances

The payday loan cycle is very convenient to get sucked into. Payday loans are advertised as an easy way to get extraapayday loan consolidation money when you can’t quite make ends meet. That’s not a lie, they are very easy to get your hands on. The big problem is, they aren’t as easy to pay off which often leads to people needing to take out multiple loans just to keep up.

What does a person do when they get stuck in the payday loan trap? Those loans aren’t going to disappear on their own. It’s time to take control. Before applying for another payday loan to cover the expenses of the previous ones, you should consider your options for payday debt relief.

 

What Are Payday Loans?

Payday loans are short-term loans that are usually unsecured. People don’t need to have a perfect credit score to qualify for one. The idea behind these loans is that the borrower can get enough money to cover what they need before their next payday. While this sounds like a great solution, there’s one big problem with payday loans. They always have sky-high interest rates.

Interest rates can be expected on nearly every type of loan but usually, they are manageable enough for the borrower to be able to pay off. One example is a mortgage. If someone takes out a mortgage loan to buy a house, they will usually have a manageable interest rate of around 3%. This is something the borrower can usually handle. However, payday loans have interest rates going through the roof. Most payday loans will have an interest rate that’s ranging between 350% to 600%. 

Many People Think Payday Loans Are Their Only Option

Stay out of payday loan debtYou may be wondering how payday loan lenders still manage to reel people in with those insane interest rates. Many people across the country live paycheck to paycheck. When a large or unexpected expense comes up, it can throw their whole financial situation through a loop. Another issue is that many workers in the country still don’t get paid sick days. This means that if they need to take a few days off of work to heal, they will be short on money.

Payday loans offer a solution that’s available to nearly everyone. The majority of people who apply for one genuinely think they will only need one. However, it usually never ends there. 

 

Stop Feeling Trapped

Are you stuck in the payday loan cycle? Before you take out another loan, you should consider looking into payday loan relief. Those interest rates are eating up all of your incoming money. It’s time you stop handing money over to the lenders, and start keeping it in your own wallet. 

What Is Payday Debt Relief?

Payday debt relief is a realistic solution for anyone that is trapped in the payday loan cycle. This is a debt consolidation program that works by taking the payday loan that you currently have outstanding and essentially working it into a payment plan that is easier for you to work with. Your loan won’t go away, but it will become manageable enough to pay off without having you feel like you’re financially stuck.

The main reason that you are having trouble paying down your payday loans is because of the super high interest rates.Debt Weight With payday debt relief, the debt consolidation company will manage to get you the lowest interest rate possible. Once they do this, you’ll finally start to see that debt fizzle away.

What If I Have Multiple Payday Loans Outstanding?

We understand how financially challenging times can get. Many people who seek out payday debt relief actually have multiple outstanding payday loans. If you find yourself in this situation, a payday debt relief program may be your only solution. This type of debt consolidation will put all of your outstanding payday loans into one convenient package to pay off. 

Payday debt relief makes it possible to pay off all of your payday debt without having to seek out another loan. This debt management program really does help people see that they don’t have to borrow to pay off their loans.

 

What Are The Advantages Of Payday Debt Relief?

The biggest advantage of payday loan relief is the amount of stress it takes off of your shoulders. Having a lot of debt can be overwhelming and may keep you up at night. Payday debt relief shows people that it is possible to make debt disappear. There are no offers that sound too good to be true, only realistic ways of making debt manageable and getting rid of it. 

 

How Does Payday Debt Relief Work?

United States inrecessionPayday debt relief isn’t as complicated as you may think. The first thing you will need to do is book a consultation to have a professional financial manager review your situation. In this consultation, you will discuss how much you owe and who you owe it to. The financial manager will then go over which of the repayment options would be best suited to you.

After your consultation, your financial manager will then take care of all the dirty work. They will get a hold of all your payday lenders and directly take care of your consolidation needs. These experts know exactly how to get you the lowest interest rate possible, which is key for making your debt payable. 

Many people feel embarrassed to seek help when they are stuck financially. There is nothing to feel ashamed of when you get trapped in a payday loan cycle. Federated Financial is just a phone call away to help you get out of the trap and take control of your money. Our expert financial managers will help get you on the right path to a better financial future. 

 

By |2021-07-14T15:08:06+00:00July 14th, 2021|Categories: Advance Loan Consolidation|Tags: , |Comments Off on How Payday Debt Relief Can Change The Way You Manage Debt

Why Federated Financial is the best Advance Loan Consolidation Company

Why Federated Financial is the best Advance Loan Company

It was tough from the beginning. We were starting a brand new business and the only impediment to our success was my lack of money. In addition we were running software that I had purchased from a competitor that ran on a platform called Firefox. To this day I still wonder whether for every bit of information I put in, I lost two other pieces. Software was on the top of the list to replace.. in addition it was great to have extremely talented people on board but having four or five generals and no enlisted people doesn’t work when you’re trying to start something like this. We needed to hire people who were intelligent, and trainable. People who could learn, pass a test and become certified counselors. It was during this time of find five people, keep one that I realized one of the biggest lessons that I’ve ever learned in business.

Employees murder businesses. It’s the truth. I fast forward six months now and I have six qualified people taking call ins from newspapers. Blurbs that I posted and paid for all of the country. I knew that what we were going to do was going to be big, was going to help a lot of people and save a ton of people a ton of money. I always looked at the banks as my enemy and I was building something that could fight back. And the years went by. And we got bigger and bigger and bigger. As I mentioned earlier our debt consolidation company opened its doors in January of ’98 and by 2001 we had a hundred plus employees. I had managers for every department. We had managers who managed the managers. We had 18,000 ft. of pure production that was there just to help our client get out of debt. And they kept calling us and we didn’t post in the newspapers anymore. Around 1999 we found the internet. That was back in the days before Yahoo, before Google when AOL was the only game in town and Excite was the search engine that powered it. At that point we were a large respected company and we were able to put ourselves in a position where no matter what the consumer searched for, we were number one We were FederatedFinancial.com Services and we were, and still are, great at what we do. Saving people money. We were an ISO 9001 registered company that adhered to the strictest quality control measures in the world. We also handled millions of dollars every week. It was difficult to do. This is before the day that we could do Zelle transfers from our banks. People mailed money orders. The mail had to be opened every day.

On a Monday there could be 5,000 envelopes to open. I would sit with two of my girls and our conference room and that was my job. People trusted us and we returned their trust with results. We will one of the five largest debt consolidation companies in the country. We were a brand. As I write this I feel proud of all we accomplished. I know this little idea that I had turned really big and we’ve helped literally hundreds of thousands of people. As we grew bigger and bigger we needed more stuff. Had a couple of hundred computers in our office and we ran all of our own web servers which hosted all of our sites. Most importantly we became extremely Tech oriented to help the customer. Our first and foremost concern was helping our customers get out of debt and stay out of debt. That’s why we were able to take their debt and work with the biggest banks in the country. Citibank, Bank of America, Wells Fargo, and so on, getting these Banks to reduce our clients interest rates in some cases down to 0%. Just like we do today. I felt completely vindicated.

I was able to make a good living but more importantly I was able to save good people real money. In those days I became a walking billboard. A billboard that told everybody the truth about the banks. Then the federal government stepped in. I guess they thought that all those dollars we took in on a big Monday belong to us because they had a problem with companies that did what we do. We withstood their audits and all the crap they threw at us. We were honest this the day was long and we were untouchable. I’m proud to say that I never took a dime that didn’t belong to me. That’s not in my nature. We traversed the Tri-County area with our director of education, sitting down with people who were completely obliterated by their debt and gave educational seminars on how to fix their problems. We did everything that we could within our power to make sure our little organization which wasn’t so little anymore, became a real player in client education. We pioneered so many things in this business. People copied us and actually managed to stay in business for a year or two. It’s easy to take paperwork from a company even when you have a non-compete and alter it. It can’t replace the people. The dedicated caring people that worked their butts off in some cases till 9:00 in the evening taking calls and fixing problems for our clients.

That’s what Federated did and that’s who Federated is. Federated was always my baby and I’m an honest man. not only did I take really good care of her employees but I took exceptional care of our clients and I treated them like family. We still do that today. I can say this in closing. If you ever chose to work with our company because you needed us you would be taken care of as though you were my son or daughter. That’s something you can take to the bank. In closing I just need to say that it’s been a privilege to be able to serve the people of America in the way that we have. I know that it’s very important for people to have good credit and maintain it. I’m really glad that one of my jobs is to facilitate that for folks. Especially now, during this pandemic the country needs honest moral people. if anybody doubts that log into Amazon and see what the price of paper towels and toilet paper is today. Price gouging during a pandemic is real snake time low. Unfortunately, people are doing that. I’m doing something different. I’m helping people to tell their creditors we have no money and I’m uncollectible by trying to put people in a position where they can say that honestly. And so, a chronicle of Federated financials life. We are the ultimate saving machine. We save our clients money we reduce their interest rates we get them out of debt more quickly than they could if they did it on their own and most importantly we care. consolidate pay day loan

 

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By |2021-06-10T07:53:16+00:00December 20th, 2020|Categories: Advance Loan Consolidation, Our Story|Tags: , |Comments Off on Why Federated Financial is the best Advance Loan Consolidation Company

Who are we? Federated Financial, who are we? How and why did we get here, and how did we manage to stay?

Interesting questions. But the answers might surprise you. Money matters, helping people and dealing with creditors was something that I was always interested in. After my divorce I considered myself the king of debt! Most men and women reading this can probably relate. I felt lost, helpless and useless. I also felt like a bad person owing so many people so much money. I didn’t make enough money to pay all my bills. That was back in 1984. We had no internet to look up the things we can find today. Credit counseling consolidate debt bill consolidation payday loan consolidation. Although I don’t remember payday loans back then in the 80s I’m sure they were out there. I didn’t care where I got the money from as long as I got it. I was deep in debt and it sucked. I had a great business idea and a way to make money in my head and I borrowed some money from my father to take a shot. I was fairly successful. I did very well in the business that I chose and made enough money to pay my bills, to pay my creditors and not to have my creditors call me specifically because I had no creditors anymore. So between 1984 and 1994 I became debt-free. I was in the video business and owned video stores. We know how that worked out. How do you spell Blockbuster! All of a sudden the money dried up. Bills came in and there was no way to pay them. Who could keep up with a company that big? They were a money generating machine.  All they did was figure out new and really innovative ways to create cash for their burgeoning business. Their stores basically became little cash generating movie theaters except you took the movies back to your house. That’s the beginning . Companies like these pushed the little guys out and caused them to go bankrupt. Me included. that was the beginning though, the beginning of let’s watch our movies at home, save a lot of money and not pay all that ridiculous amount of money for refreshments. It was the start of what we do today which is stream at home. Yes we all stream at home now and we don’t even buy something that’s tangible. We are paying for something that we can’t see except if we turn the television on. It’s interesting. I was out of work, and though I wasn’t broke, I knew I would be in about a year. I needed to have an income . A steady income. I had one for 10 years. Love don’t pay the bills! I did a lot of soul searching and thinking about how I could make money. I also knew that being in the video business and having four stores I had created lots of good feelings and joy for people. That made me feel good. I decided that I wanted to create something that saved people money. Something that kept people out of debt. Something that did not allow people to get to deeply into debt. I decided all that based on my own experiences of divorce and debt that I mentioned before. I didn’t know how to go about it. I didn’t know what I could create that would put me in a position where I could actually help people eliminate their debt and eventually get out of debt. A lot of ideas are great but they require creativity and lots of thought. I knew there was a need. If there’s a need there has to be a product created to meet the need. In this case a product for people to get out of debt and stay out of debt hopefully for the rest of their lives. Two years pass and I realized that I was running out of money. I had enough money to pay my bills and lay out one lump sum to create a business. I was driving down in fort Lauderdale one day and saw a sign on a billboard. GET OUT OF DEBT RIGHT NOW! There was an 800 number right underneath. I wanted to know how they got people out of debt right now. This is what happened next.

 

As soon as I got home, no cell phones back then at least not one I could afford, I called that company. They really did get people out of debt. They were a nonprofit credit counseling agency. Interestingly my first thought was, what the hell is a nonprofit credit counseling agency? What is credit counseling? What is a 501c3? How did they help people get out of debt, by counseling them? Then I started to think is this like therapy? So I went down to the library, remember those people? I went down to the library and did some research and then I understood. They were the gold standard at that time. Not for profit credit counseling agencies were the gold standard for getting people out of debt and that was not a good thing. I didn’t know that it wasn’t a good thing when I was learning about their business but I quickly realized that they operated under rules and regulations that were dictated by the government and consequently couldn’t hire quality staff to get the job done. So now, we have a need and we have a product. What I needed was the ability to make a deal with the creditors. We were still at the dawn of the internet and snail mail was King. I spent 6 months calling and writing to Banks and asking them what their criteria was to work with me and after a certain amount of time I knew what had to be done. My problem was being in debt. I hadn’t worked in a while . I knew this would work. I was so confident that I took a second mortgage out on my home. I knew one thing . I knew for this to work for the consumer I had to have the absolute most qualified people working with me and teaching me. I wanted attorneys. I wanted attorneys with financial backgrounds who had the ability and the gumption to stand up for their clients. I found a few and in January 1998 I Incorporated FederatedFinancial.COM Services Inc.

By |2020-12-19T11:20:23+00:00December 19th, 2020|Categories: Advance Loan Consolidation, Current Events|Tags: , , |Comments Off on Who are we? Federated Financial, who are we? How and why did we get here, and how did we manage to stay?

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

We can help you with your payday loan consolidation

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 lets 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 schools. 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 at 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!

Conclusion

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.

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

Conclusion

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 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!

By |2021-06-16T08:11:48+00:00May 20th, 2020|Categories: Advance Loan Consolidation, budgeting, Current Events, debt-consolidation, finance, Payday Loan Consolidation|Tags: , , , , |Comments Off on Who is Federated Financial? Are we a real PDL 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.
By |2021-06-16T08:12:22+00:00May 19th, 2020|Categories: Advance Loan Consolidation, budgeting, Current Events, debt-consolidation, finance, Payday Loan Consolidation|Tags: , , , , |Comments Off on Why consolidate my payday loans when one loan at the bank can do it all at once?

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

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!

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 bailout debt collectors?

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.

By |2021-06-16T08:04:59+00:00May 15th, 2020|Categories: Advance Loan Consolidation, Current Events, debt-consolidation, Payday Loan Consolidation|Tags: , , |Comments Off on The truth about payday loan consolidation and collection agencies going back to work!

Here are some random thoughts… Sports, Collection Agencies and Movies…

Quarantining at home, and complete utter boredom gives me time to think. I have thoughts running in and out of my head all day. I’m going to share them. President Trump basically took off the gloves last night, and tossed Dr. Fauchi under the bus. He had the balls to say that Fauchi was playing both sides. First of all that remark is ignorant. Everything Anthony Fachi said would happen actually happened. Good and bad. They’ve obviously split and have gone their separate ways. Here’s the problem with that. If there was an election today, and the two candidates were Fauchi and Trump Anthony Fauchi would win. He’s probably the most respected person in America. The problem was that President Trump couldn’t fire him. It goes unsaid that the Doctor walked away on his own. The prevailing thought in his head had to have been “I’m too old for this shit” Who can blame him. Dr. Deborah Birx has been MIA for a while now. My thought is she stuck around after Fauchi left for only one reason. She put the health of our country in front of her reputation. She stood there metaphorically naked, and tried to lend credibility to what the President was saying. I was listening to a liberal radio show the other day and the host called Deborah Birx, “Trump’s whore”. I think she’s had enough too. He’s free now and that’s scary. She only stayed to keep him straight. The price became too high. Like Tony Fauchi, she is a world-wide Force in the epidemiology field and is highly respected. So here’s the deal. If by some incredible lucky chance Donald Trump’s ridiculous plan to go back to work is successful he has saved his presidency for another 4 years. If not, and we have to close again it’s going to be Financial Armageddon. I don’t know if Trump knows that but it’s absolutely obvious that there are only two guaranteed outcomes.

My second thought of the day. There will be no baseball this year. Many people don’t care. I’m one of the ones who do and I know that these players will not play. They’re not getting paid for the games that have been missed and the owners want to cut their salaries even more to make up for the empty seats and the lack of concession and souvenir revenue. My take on this: The average player salary is between 4 and 5 million dollars a year.. the minimum Major League in salary is $563,000 per year. The union has an emergency fund for players who make minimum wage. The big stars can certainly afford to sit out the year. The last thing the union will let happen, especially at a reduced rate is to let one of their members gets sick. The owners have proposed a solution. They’ve suggested splitting the net revenues for this year. That’s a joke. If baseball opens up it’s going to operate at a loss. I’m guessing there won’t be any baseball season. While I’m on the subject, let’s write football off too. The last thing any major sports commissioner wants is what is what’s happened to hockey and basketball. Two seasons cut off before the playoffs and that might or might not be finished. That’s worse for the game than not playing at all. They can’t play football even with an empty Stadium. These guys line up nose to nose. That’s pretty much end of story. All of these athletes are young men and not one of them wants to die. It only takes one. Remember where you read it first. I have lots of random thoughts.

This next thought affects you. The Democrats have proposed a bill that Republican Senator Mitch McConnell has already said is dead before it gets to the Senate. This bill is a 180-degree turn from what the President, and Republican Senators are thinking and McConnell is right. It won’t pass. Included in this bill is a provision for collection agencies to be bailed out. Why are the Democrats playing both sides now? They whine and  moan, touting their affinity for the working class yet they’re helping debt collectors. The hell with debt collectors. That industry needs to be cleaned up too. A reset wouldn’t hurt right now. This affects you directly. Many of you are in Payday loan debt. That’s why you’re here. You want to consolidate payday loan debt. Payday loan debt is an insidious trap. Constantly rolling up one payday loan into another it’s a horrible thing to have to do. In addition, your interest rate can run up to 700% annually. You  need to consolidate your payday loan debt. At Federated Financial we can help you. We are 23 years old and A plus rated with the BBB. In most cases, our payday loan consolidation program can get you out of debt and lower your interest rate down to 0%. That’s huge. It brings down the total principal and consequently helps you pay off your payday loans more quickly. You need to consolidate your payday loan debt and you need to do it now. Fill out our form or simply give us a call. We are there and we can help you

And finally: On more than one occasion I have written about movie studios bypassing theaters and sending their films straight to the streaming services. I have written that this will break the old business model and destroy the movie theater business. I’ve told this to my friends and they have laughed. As they laugh, Disney came out yesterday and announced they were releasing a Monster on their own streaming network. On July 3rd 2020 they will release a film that was destined to be a huge hit next year. They are releasing this movie a full year earlier then was planned. Yes, I know they’re releasing it on their own streaming service and I believe it’s more of a test then anything else. If it succeeds, and it will, other studios will start releasing blockbusters on streamers like Amazon and Netflix too. Oh, I forgot to mention the title of the film. It’s the film version of the  Broadway show Hamilton! That would have been a quarter billion dollar film in wide release. There will be a lot of movie theater executives watching the numbers on that one. That’s all I have for today!