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04 May 2020
payday loan consolidation

The real condition of our country and payday loan consolidation in the time of coronavirus!

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

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

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

Armed guards in Banks? That’s not progress that’s digression. The elephant in the room or in this blog post so to speak would be the United States of America opening up over the next few days and people going to work. Down here in South Florida, Dade Broward and Palm Beach counties are still shut down and they will be for a while. Southeast Florida still has it bad and somebody must have told the Governor moRON DeSantis that opening up South Florida wouldn’t be the right thing to do at this time. So the rest of Florida along with most of the country is starting to reopen. What does that mean? Well my take is that it means a lot of people are going to get sick,  maybe even for the second time, because we don’t know if having it once grants you complete immunity. You just can’t have all these people going back to work and interacting with others, masks and all, and think they are not going to get sick. We saw what happened the first time. This is an absolute case of our federal government putting commerce before human life. I’m all for commerce. Please understand that I don’t want to see this stock market, tank and our economy destroyed. Yet I think we need to weigh the advantage of reopening against the damage that will potentially be done. I believe another month would make a huge difference. I think that the American people are smart enough to know this. Everyone I’ve spoken to, and myself included does not feel safe enough to walk into a restaurant and have dinner. It’s kind of disconcerting to have your server masked and gloved, and having to sit there with your mask on until the food comes. That’s not my idea of a relaxing dinner. Sorry. I know there are many places I will not go. I’m not going to go get a haircut. If it gets too long I’ll tie it back or I’ll have a friend cut it. My hair is not worth my life. This is not something getting better this is something getting worse. As of these businesses start to reopen I believe Wave 2 will start to appear. We won’t see it immediately. It’ll be like the first time. We’ll see it around a month or so after we reopen. Experts have said that when we first started testing and each state was showing 5 or 10 people infected they were probably tens of thousands of people walking around with the infection and we now know that’s true. I believe we’re in for a Long Winter this summer. I believe it’s going to last until the beginning of 2021 at best, and at worst for another 18 months. Until such time as all Americans AND all citizens of the world can be inoculated we will all be in danger of getting sick.

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

12 Apr 2020
how do payday loans work

How many payday loans do you currently have?.. Have you tried Consolidation?

How many payday loans do you have? That might seem like a strange question but I have a good reason for asking. Payday loans were actually once a good thing. The initial modern day payday loan model was set up by lenders to help out the people who live week by week, when they ran short of cash. I don’t know where or when the model changed. The old model didn’t charge loan shark interest rates. They charged people a moderate about of money to get by until the weekend. People were willing to pay money for that privilege and that’s pretty much real life commerce. You pay for a service. Somewhere along the line the need for greed kicked in and payday lenders became the legal version of the mob. I’ve written articles about this before and if you go a few months back in the blog you can read them.

Did you know? 8 out of 10 payday loans roll over. That’s right. Only 20% of the payday loans that are taken out are paid back on time within the preset guidelines. This is exactly what the payday loan companies want and exactly how their business models have been set up. Repeat customers are their easiest customers to find. Given that 8 out of 10 payday loans are rolled over my question at the top of this post seems very real. It would stand to reason that when a person maxes out their ability to borrow from one lender because they’re busy paying off a loan that has already rolled over, they search for another company and fresh money. It’s an extremely vicious cycle. Eventually, the consumer doesn’t have the ability to pay all these loans back, and they have no alternative but to stop paying, at least on some of them.

That’s when the creditors go to work. There are very few people that walk the earth that have not been deeply in debt at one point in their life, myself included. I remember when I was first married with a baby on the way how short we were of money. I’ve received those phone calls. I remember them. The creditors were no kinder back then. They wanted their money. Collectors are a different breed. Some of them are like rabid animals. Notwithstanding all that, the bottom line is they want their money back and they’re entitled to it. How do consumers pay back loans when their interest rates are running as high as 700% annually? In many cases the answer is they are just not able to pay. At least not all the loans at once. That’s where we come in. We can help you if you let us. Here’s how it works. You fill out the short form on our homepage or just give us a call. We are open, 9 to 9 Monday through Thursday, and 9 to 6 on Fridays. Somebody will pick up the phone during those hours. You will speak to a certified counselor who has been well-schooled in how to handle your payday debt. You will be given the parameters and if you agree with them you will give us permission to help you out. The first thing we do is tell you exactly how, and how much we can reduce your monthly payments. Much of that reduction comes in the form of having your interest rates lowered to 0%, in most cases. That’s the place that the large monthly savings begins. We have pre-arranged agreements with your lenders that allows you to make your payment through us and save money. We have been in business for 23 years and that longevity along with our A+ BBB rating gives us the credibility to work with your lenders and help you. They know if we tell them that they’re going to get paid in most cases they will. You make your first payment. All the paperwork goes out to your creditors.

At this point the phone calls stop. As you go along and make your payments you’ll notice that the balances are dramatically dropping. This is what you want to see. The bottom line is that we can get you out of debt in a shorter amount of time that you could do so yourself and at a greatly reduced interest rate which helps to lower your monthly payments. Our country is getting closer to reopening. Payday loan consolidation companies are more essential now that they’ve been before. There are more people in debt now than there have ever been. Good payday loan consolidation companies do their job well and really can help you. What do you look for when trying to find good payday loan consolidation companies? You’re looking for longevity. Longevity equates to a good strong solid track record.That’s the type of payday loan consolidation company that you need when trying to dig out of this debt. You’ve come to this site for a reason. As we all start our new normal over the next few months it’s time for all of us to reassess our finances and use payday loan consolidation to get out of debt.

25 Mar 2020

Automotive industry during covid-19 in the United States.

This post today is very different. Today it is personal. This is the correspondence between me and a local television reporter over this past weekend. I think you’ll find it interesting. Corporate greed at the cost of human safety reigns supreme and IMHO our elected officials continually stuff their pockets with corporate money to look the other way…You decide!

Dear xxxxxxxx

As a 44 year resident of this state and the  area I have always felt as though all the local television reporters were old friends. You guys are in my home every day and always instill a calm and steadying influence on me and my family during the toughest times. I go way back with WPLG. Back to the Gxxx Rixxxxx, Axx Bxxxxx and Wxxx Cxxxxxx days. Back in 2001 a new test came out and I suppose out of curiosity Dxxxxx Lxxxxxxxxx tried it and reported on it. It was a Calcium Heart Score test and it was because of Dxxxxx that I decided to try it too. I found my experience at this facility, which was using a fledgling technology to be considerably less pleasant then Dxxxxx`s I wrote to him about it, and to my complete surprise I answered my phone about a week later and heard that deep resonating voice that I knew so well on the other end. He was kind enough to look into my story and backtrack a bit on the story that he reported. I was also lucky enough to do some work about 20 years ago to help raise money for Dxxxx Mxxxxx`s, Mxxxxxx force. I only mention these interactions to emphasize the point that I genuinely believe that Channel xx cares.

I just finished reading the article you penned with Lxxxx Axxxxxx regarding manditory closures in our area. I want to digress for a moment and tell you that my son is a manager at a local Auto Nation Dealership. I’m writing to you instead of him, because this email would cost him his job and Auto Nation Pays their managers well. The managers and sales personnel at all of these stores are being put in grave danger by our (local?) Government. During the last week I have been hoping that a publically traded Company like Auto Nation would do the right thing and lock their doors when the governor was asking businesses to close. That never happened. When I read that manditory closings would be instituted, I was confident that an auto dealership wouldn’t be considered an essential business. After reading your article I was completely blown away. How in Gods name can the moron who decreed that the sales centers that are adjacent to every dealership’s showroom are one and the same with the dealer? Of course I am aware that service and sales are owned by the same company and that ARGUABLY mechanics are an essential fixture during a global pandemic. Although I don’t believe they are, who is this person who believes that car sales must go on? Obviously it’s a ranking government official who drafted this edict. My next question to you is why? Why are car dealerships staying open and facilitating the spread of this virus? When you take your car for service you pay in the service department. Someone made a mistake or is getting paid off big time. My son has told me that there have been rumors spreading in management that there have been two cases of the virus reported at the Mercedes of Miami, AutoNation Store. I don’t know if this is true but if it isn’t, it will be soon. The concept of big business screwing it’s employees is certainly not new. We all know that. I can tell you that every person in every AutoNation showroom including all managers are commission people, consequently AutoNation pays nothing to keep these showrooms open. I was hoping as a follow up to your article, and that given AutoNation’s home office is right here in Ft. Lauderdale you might follow up with a phone call or two and find out what’s going on there before someone actually dies.Thats usually the way it works. Someone has to die to get something done. I greatly appreciate you reading this. If you decide to do a quick follow up please don’t mention my name. My son and I share the same last name. It would be easy for him just to quit but he can’t. He and my daughter in law make really good money and own a beautiful home. The American Dream? He’s really caught in a catch 22, and so are the men and woman who work with him. Please get back with me if you possibly can.

Sxxxx Mxxxxx

PS. FWIW, I can tell you exactly how the governor could shut down all Native American gaming in the state in ten minutes . …IF HE REALLY WANTED TO. I really know the answer. Just another greed driven situation. I have no problem with casinos. I am an avid Poker Player. I just have a problem with what these giant petri dishes are doing to our communities and the people who live here right now.   FOLLOW UP TO THIS ARTICAL( The Governor closed all casino’s yesterday. )

AND SHE REPLIED

Hi Sxxxx,Thanks for the heads up….As it happens, I met an auto salesman picking up his dry cleaning Thursday, who seems torn between showing up for work as a responsible employee – and staying home in response to the common good.  I put a clip of that interview in my report that night. We are getting a lot of emails from people seeing nonessential businesses still open.We’re on it- Thanks, Gxxxxx 

AND I REPLIED

Hi Gxxxxx, I thought I’d do a little research…..food for thought…..more then ever our governor needs to answer this question. Why?…. in one of the articles I read their reasoning for wanting to stay open. I read that a prolonged closing of their dealerships would put them out of business. For God’s sake everybody’s out of business right now. What raises these automobile companies to deity status? Does money always supersede life?… This is the world we live in today. By the way, I wanted to tell you that I was looking for that piece you did where you put in a (blurb) about that automobile salesperson, and I tripped over that horrible story about that person who pointed a gun at you. My God what a horrible experience.  I could never begin to imagine how frightened you must have felt. So very glad you’re OK. Keep yourself safe. As a former New Yorker, and it’s been a long time, I learned early on to always have eyes in the back of my head. I’ll not bother you with this anymore I’ll let you do your job. Just take care and be safe. Sxxxx Mxxxxx

AND SHE REPLIED 

Thanks, Sxxxx – I’ll try to find some answers for you …

To all who are reading this here is the question. When does life and good health begin to take precedence over money. You have a huge greedy Corporation and elected officials who obviously are knuckling-under to the Auto Dealer lobby. Crisis really brings out the best in people. Yeah right!

So my final thoughts. Government sucks. Plain and simple. Our whole system is awful. The reason I posted those screenshots, and those are the shots that I sent to this reporter who incidentally is a lovely human being and ….through the years, every reporter I’ve had interaction with at this station has been just great. If you live in the south Florida area this is the station to watch and I’ll say it’s WPLG. I just redacted names, that’s all. We are in a crisis right now. People are scrambling to eat. These are dangerous times and they’re going to get worse before they get better. If you find yourself needing help with payday loans and you want to deal with payday loan consolidation companies that really know what they’re doing and care I might suggest that you try us. If you’re needing help with payday loans we should be your payday loan debt consolidation lifeline. Good payday loan consolidation help is very hard to find. We are a twenty-three-year-old company with an A+ rating with the BBB. We are old, established and most importantly we possess integrity. If you need help with your payday loans, just fill out the form at the top of our homepage or give our 800 number call. Just fill out the form at the top of our homepage or give our 800 number call.. I think we’re the best payday loan assistance company out there and we provide the best service when it comes to advance loan consolidation. We are proud of our track record and we care about our customers.

22 Mar 2020
payday loan consolidation

Worried about your Payday Loans if the United States in a recession?

Where is the United States today? We’re in bad shape. Major corporations are bleeding money. Many Americans have lost a third of their net worth over the last two and a half weeks. The government is spending trillions on aid to corporate America, as well as the general public.. As you might or might not be aware, there there’s a pending bill that’s still being negotiated in the house.This bill will provide regular hard-working Americans with money over and above the unemployment they might need to collect right now. This will help people get through this tough time. Right now the administration is proposing to send around $1,000 for every adult and $500 for every child to American households in need.

As I understand it they’re just working out the details now and deciding what the income ceiling should be in regards to whether or not people should be receiving checks.As the president said “we’re not going to send $1,000 to a person that’s making a million dollars a year” and that certainly makes sense. At the end of the day the government can only do so much and a situation has to play out just the way it’s supposed to. There’s no fault here. No fault lies with these businesses or with the administration. If there’s any fault it lies with the Chinese government and their lack of candidness when it came to letting the whole world know what was going on there. if we would have known about it sooner we could have fought it sooner. Instead, the coronavirus rages through this country, killing Americans and wounding our economy.

Arguably, the Chinese government is completely responsible for many of the deaths around the world that could have been avoided if they had been more forthright. Their negligence has cost lives, and cost life savings. The savings will come back the lives never will. So why is this a recession as opposed to simply a coronavirus pull back? President Trump has said numerous times that as soon as this virus passes the market will return and surpass its previous highs. He’s either not telling the truth or he’s not getting the right information and I’ll tell you why. We’re watching what I call the trickle-down effect. Let me give you an example. I’m going to use an expression that we’ve all heard that before. “Part of the food chain” it’s about delicate balance. Small animals graze on grass. They get fat. Larger animals come out of the woods and eat the smaller animals that have gotten fat. These larger animals now go back into the woods and they get eaten by a big black bear. The bear gets hunted and he’s eaten by a human being.

Sounds terrible but it’s mother nature. It balances ecology and keeps all living things in a place where there’s enough to feed all on the planet. Now let’s take this thought and move it over to exactly what’s going on today. First off what’s going on is probably affecting you right now. If not, you’re lucky. Let’s not personalize it though..let’s use the actual businesses involved as the examples. Go back a year ago or so and you’ll remember that Boeing had a problem with their 737 airplanes. Two of them went down just months apart. Boeing took a hit with that and they’re still working on the problem. All those planes remain grounded so Boing is still taking that hit. In addition, these planes are not being bought. Boing is a good example because they went into this situation already having a problem.

Now we have Boeing with financial difficulties and an extremely contagious virus spreading throughout the world. The first thing people do is stop traveling. It affects the airlines. No fees no fares. That’s the problem of the carrier whether it be JetBlue, Southwest or any of the majors. That goes back and hurts Boing again because the carriers aren’t going to buy airplanes if they’re not making  money on the ones they have. You might remember a headline from a week or so back that spoke of airlines flying ghost flights around the country. All that meant was is they were flying airplanes that might have had one or two passengers aboard. So now we have a major manufacturer hurting for money in two ways. In addition we have the carriers that aren’t making any money because nobody wants to fly right now. Well if nobody can fly what happens to the places that they would have stayed at? I’m talking about the hotels. All of a sudden publicly traded companies like MGM Entertainment, specifically their hotel division, Wynn, and others aren’t booking guests. The hotels are finding themselves pretty much empty.

What happens after that?

That’s pretty obvious, the hotel cuts back staff! We’re talking about a lot of staff. There’s no reason to have staff, like housekeeping or the servers that work at all those beautiful restaurants that are closed now .They have to close because there are no guests to feed. So the servers and the housekeepers are out of work. They create two more problems. Most importantly they lost their income which puts them in the position to request assistance just to feed their families. It also takes away their disposable income. I’m talking about the income that would allow them to go to the movies if the movies were open. Income that would allow them to take the children to the toy stores. Income that might take the family out to dinner before the restaurants closed this week. And these actions in turn would have put all the workers in the above-mentioned places out of work which continues the cycle. So this is the situation that we are in right now.

I think you can understand why I call it the trickle-down effect. The trickle-down effect also creates one other problem that a normal recession wouldn’t create. That problem is that these major corporations are going so deeply into debt that many are not going to recover. When this virus has passed Boeing is still going to have giant financial problems. I don’t believe they’ll ever go out of business but I do believe it’s going to take them years to make their money back and get back on their feet. This applies to the whole airline industry and the hospitality industry as well. if these businesses are still hurting a year from now the last thing that’s going up is their market price. Investors who normally make money back on the bounce don’t see the bounce because there can’t be a bounce if the companies that need the bounce are still hurting. And that’s the problem with America right now. The administration has problems. They have a lot of work to do and I think they’re on the right track. it’s going to take some time though and this is not a normal recession. That I can tell you for sure. Nobody alive has ever seen anything like this before.

Remember this word. Hydroxychloroquine. This is a drug that is 50 years old that was initially created for malaria patients. This drug has shown very encouraging results in other countries and if it’s effective against the coronavirus we might be able to mitigate the health crisis  we’re having right now. This in turn would help businesses rebound more quickly than they would on their own. FDA commissioner Dr. Steven Hahn, has the FDA  testing this drug against the virus. In a news conference today he wouldn’t put a time frame on it but promised that they’re working twenty-four hours a day to see if this drug works against corona virus and if it does they’ll be able to fast-track it. There are a couple of other drugs that they are considering that might not be as promising as this on, but the one thing that all these drugs have in common is they’ve been in use for years and they have proven themselves not to be dangerous. A vaccine is still going to take the minimum of a year to create and then at least 6 months to manufacture. Going through another flu season at the end of this year like this one, could spell disaster for many. Let’s hope that it doesn’t happen.

So what it really boils down to is that we are on the bottom of the food chain so to speak. As always, the general public takes the short end of the stick. And so I address our readers. Many of you out there are in the advance loan payday loan trap. You got into it way before this problem started. Can you consolidate payday loans? Can you get help with payday loans? Which Payday Loan consolidation companies do you want to work with to get help with your payday loan debt. You need a great payday loan assistance company to help you with your advance loan consolidation. To help you with your advance loan consolidation you need payday loan consolidation companies that work with that type debt. It’s good for you that you’re on this site. We’re a 23 year old payday loan debt, advance loan consolidation company. We are A+ rated with the Better Business Bureau. We are the best at what we do and we’re not ashamed to tell you that. Over the last 23 years we have built strong financial relationships with your creditors. They trust us and they know that if we tell them that they are going to get paid in most cases they do. In 99% of the cases we can reduce your interest rate down to 0% . That is lower than the rate of six or seven hundred percent that you might be paying now. We can start as quickly as you want us to. Fill out the form or give us a call during working hours and we’ll be glad to help you. We’re great at what we do, and we care!

07 Mar 2020

How do I legally get rid of payday loans?

How do I legally get rid of payday loans?

That’s an easy question. I’d like to answer that for you right here, and right now. Federated financial has been in business for 23 years. We care about you, and we work for you, the client. We do not work for your creditor. Instead we work with the creditor for you and there’s a big difference there. All you need to do is give us a call or fill out the form on the top of our page and all we need are the names of your creditors and the account numbers if you have them. We can work with you even if you don’t have the account numbers readily available. The creditors that you have are creditors that we have worked with for many years, and yes, we can work with you and help you legally get rid of your payday loans. That is for sure!

We are not a payday loan company, We consolidate these types of payday loan debts. Helping to reduce our clients payday loan interest rates down to zero percent in most cases, allowing them a chance to get debt free.

Federated Financial has worked hard to ensure that local and on-line communities receive the very best possible level of care and support possible. Our counselors, customer service representatives, and creditor relations specialists are certified as credit counselors by the independent National Institute for Financial Education.

Our goal is to teach payday loan consolidation to consumers everywhere how to understand and manage debt so that they can achieve and maintain financial security. We understand the important monetary issues and challenges life can send your way and we are here to help. Our free community outreach programs, which include public seminars, walk-in clinics, newsletters, and on-line materials, give all of our visitors the ability to understand how credit works; how to overcome financial obstacles; and how to achieve important economic goals.

05 Mar 2020

Best payday loan debt consolidation company!

 
 
 
 

The absolute best payday loan debt consolidation company on the planet!

Which is the best debt consolidation company to use? the answer to that question would be based on many things. The first thing you’re looking for would be how long has this company been operating? A company that operates for over 20 years and still maintains its A+ rating with the BBB is a good bet!

I think you’ve come to the website that belongs to the best Payday Loan Consolidation Company in the United States. I don’t say that lightly. I have a great reason for doing so. We treat our clients like family. We want to help them. Having our 23-year history of helping people works in a big way for our clients. Over the years we have developed a great working relationship with your creditors. Most of the time when we ask your creditor to allow you to work with us and reset the interest rate we’re met with a response that’s absolutely yes! That gives us the opportunity to help you out of debt in a quicker way than you could have possibly done yourself. I highly recommend that you go to the top of our homepage and give us a call or just fill out the short form and somebody will get back to you immediately. all phone calls are answered during normal business hours and we’re more than happy to help you consolidate your payday loan debt.

We are not a payday loan company, We consolidate these types of payday loan debts. Helping to reduce our clients payday loan interest rates down to zero percent in most cases, allowing them a chance to get debt free.

Federated Financial has worked hard to ensure that local and on-line communities receive the very best possible level of care and support possible. Our counselors, customer service representatives, and creditor relations specialists are certified as credit counselors by the independent National Institute for Financial Education.

Our goal is to teach payday loan consolidation to consumers everywhere how to understand and manage debt so that they can achieve and maintain financial security. We understand the important monetary issues and challenges life can send your way and we are here to help. Our free community outreach programs, which include public seminars, walk-in clinics, newsletters, and on-line materials, give all of our visitors the ability to understand how credit works; how to overcome financial obstacles; and how to achieve important economic goals.