Payday Loan Consolidation Company
6574 North State Road 7 #137 Coconut Creek, FL 33073
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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!

17 Mar 2020
consolidate payday loans

Locked in the house, try Payday Loan Consolidation

Locked in the house! What do we do with the family and the kids?

Yesterday, March 16th 2020 this surreal world just got a little stranger. The president and his staff came out with the 15-day plan to flatten the curve of the coronavirus. The key to it all is not to overwhelm our healthcare system. We don’t want what’s happening in Italy to happen in the United States. People are dying in Europe, and doctors are having to make incredibly difficult choices because they don’t have the equipment they need to help all their patients at once. Too many patients and not enough equipment. The administration was very positive yesterday expressing, that if we all do our job, by sticking to this 15-day plan, we can stave off many deaths and much suffering. So we’re here in the worst case scenario with the premise of the theme behind the Presidents strategy being to cut out as much social integration as possible. There’s a good chance that you’re out of work right now and voluntarily being confined to your home. Whether it be with the kids or not it can become a long, arduous and lonely ordeal. The way I look at it is, we’re almost donating 3 or 4 months of our lives so we can save them, and live for many years to come. For many, money is going to be tight. Bills need to be paid and more than likely they’ll be some sort of financial relief from the government over and above unemployment.

Following the regulations that are set forth by the government is something we all have to do together. It comes down to a choice. Given that we’re going to be staying home much of the time we can either be happy or sad. Watching the news all day is not good. Bad news is sad. I’d like to make some really good suggestions about how to spend this down time. Some of the things that I’m going to tell you you will find surprising.

NBC Universal which is the national broadcasting network’s movie division has decided that they’re going to release first-run films to stream at home. They’re going to charge us for it and I’ll get into that in the moment but it’s a bargain. Their reasons are not entirely altruistic. They have product and nowhere to exhibit it. Movie theaters are entirely closed in 32 or more markets overseas and partially closed in another 15 territories. Aside from the New York and Los Angeles where theaters have already gone dark, many states have ordered that there be no public gatherings of more than 10 people. Originally it was 50 and then reduced to 10. Ten people in a movie theater watching a first-run film doesn’t turn a profit. It doesn’t even make back the cost of making the film, nor does it put money in the theaters pockets.

The studios walk a thin line because of their partnership with the distributors and the theaters that show their films. Given that the theaters are not able to show the films right now, Universal has become the first studio to release their brand new films on streaming video. These films will include The Hunt, The Invisible Man as well as focus features, Emma. Universal says that they will continue to evaluate the decision as indicated by what’s going on in the country. As I said before this is not an altruistic decision but it’s a decision that’s a good one. The studio can make back a good portion of the cost of a film and entertain the public with something brand new. I know for sure, that Amazon prime will be streaming these films. Given that money is tight at home it’s a great deal for everyone involved. Consumers and studios. They’re charging $19.95 to stream these films. At first glance that might sound like a lot of money. Especially when you can rent movies online from 1.99 to 5.99 each. Here’s the thing. How much does it cost to take a family of four to see a brand new film? Round numbers…. Perhaps an average of $10 a ticket figuring children’s prices along with the adults. In addition the overpriced snacks end up costing another $25 or $30 minimum. To say it costs $75 for a family of four to go to the movies in 2020 might just be an understatement. For the sake of this post let’s say it’s not. Consequently there’s a $35 savings just by staying home and watching these films. All the snacks are in the refrigerator or the pantry. Obviously that saves you from paying $4 for a large soda and five or six dollars for a large popcorn. it’s a really good deal to entertain the family for a couple of hours and more importantly to entertain yourself and forget about life for a while. I was shocked to hear this .I never thought it would happen because it would be precedent-setting but we live in times that are uncharted and sometimes things like this must be done on the fly.

There are also many other things to do that don’t cost money. Things that you’ve been meaning to do for years and just never got around to doing. Psychiatrists and psychologists have been saying that exercise is the key to not being depressed. It also gets you out in the sun for a little while, especially if you take a nice long walk. Pop in your earphones and take a walk around the neighborhood for a half hour. Just keep in mind that we are trying to keep our “social distance from people” and make sure you do that just to be safe. You won’t insult anybody. They want to keep their distance too. There are too many benefits not to engage in this act. Benefit number one is getting out of the house. The next benefit is the walk itself which is exercise. When you’re exercising your body releases chemicals that actually make you feel good. In addition exercise and the vitamin D you’ll get from being out in the sun are major contributors in strengthening your immune system which certainly helps you during a flu pandemic. Try doing this three or four times a week for a half an hour. You’ll be glad you did.

Read a book. Come on, there has to be a book out there that you’ve wanted to read for the longest time but because of your obligations to work, your husband and the kids you haven’t. The time to do it is now. Most ebooks are less than $5 and older titles are free. If you want a new release and you have your heart set on that book, go to Amazon and see if you can find it used. Nothing like getting lost in a fantastic book. I’d recommend reading Stephen King’s, The Stand, but unfortunately it’s about a virus that wipes out most of the world and we don’t want to be reading stuff like that now. Best novel ever written. We’re not in that situation and this is not Armageddon. This situation will pass by midsummer latest.

I hate going back to the TV for a moment but if you want to keep the kids occupied during the day, and yourself at night there’s still no better buy than the $17 a month that Netflix charges you for their service. There’s just so much to watch and their original content is just great. I highly recommend it.

Even as I write this I think to myself it seems very strange to be recommending activities to people when they should be working but we live in a strange time right now. We are in uncharted waters and there’s nobody alive that would remember the Spanish Flu epidemic of 1918. With this virus we just wing it and play it by ear. I do know that during this time when work is closed there are going to be some bills that won’t get paid and the government won’t be able to help us out a whole lot. If that’s your case your problem is with advance fee payday loans, I would highly recommend an Advanced Cash Loan Consolidation. While I’m recommending this I’d also like to recommend that you try our company. Federated Financial has been in business for 23 years it is rated a+ by the BBB our specialty is Advanced fee payday loan consolidation. We’ve been working with  Advanced fee loans for many years now and have a  with great working  relationship with all you’re creditors.99% of the time will be able to work with your particular creditors and we can ensure that in most cases your interest rates will be reduced down to 0% getting you out of debt much more quickly than you could have done on your own. Cash advance loans can be frightening. A great cash advance loan, payday consolidation company can take care of your every need. If you doubt that give us a call right now and speak to one of our accredited counselors and let them show you how to start saving money today. Twenty three years and an A+BBB rating should instill the confidence in you to trust us in consolidating your cash advance payday loans.

16 Mar 2020
covid-19 advanced loan consolidation

Everyday life with payday loan consolidation

If you’ve been reading this blog you probably have realized that I am a big fan of science fiction, that I understand the concepts and the gaming strategy of Poker, along with the math, and I understand money in the best way that I can. So let’s go back to SiFy for a few moments and catch up on some current events. This time, I’m not going to be the purveyor of Doom and Gloom. These are the voyages of the Starship Enterprise.

star trek cast members

The Original Series and the Next Generation, along with Deep Space Nine, in my opinion, are the three greatest sci-fi series in the history of television. Again, just my opinion of course, and my opinion is just that. The original series, was the most amazing predictor of the future. Gene Roddenberry was prescient in his thoughts, almost like he could see the future. There are so many things that he invented for the show that we use today. Sliding doors, handheld communicators that flip open.. today we call them cell phones. Phasers were simply a fancy word for lasers that our military has been using for years. All of the logs that the captain signed sure looked like they’re being signed on an iPad…. Everybody with their own computer, and one that talks when you ask it a question. And the computers were conversational!. Roddenberry envisioned AI 40 years before anybody thought to make it a part of our daily lives. The man was a genius.

As I write this blog today there’s one episode that sticks out in my mind. It was an episode of Star Trek the Next generation in season 2 and it was the last episode of the year. It was called The Neutral Zone. There were two intersecting stories in this episode one of which was about what would happen to three people if they were frozen in cryogenic sleep and woke up 300 years later? There was the mother who was worried about her long-gone children. The musician, laid-back and looking for a drink and a good time. Then the businessman who was worried about his money and constantly told Captain Picard that he needed to call his broker. After annoying everybody for a long time the captain finally explained to this man that in the 23rd century people don’t care about material things like that anymore. The focus is on people. helping people and creating peace in the galaxy. I paraphrase Patrick Stewart of course, the actor who played Picard and still does, but the thing that I’m driving at here is that with all that science and technology has created today we still worry about money.

All of us do, myself included. If you’ve read this blog and and have read some of my recent posts, I actually made some predictions that have come true. Just a couple of weeks ago I explained how the coronavirus could very well affect us all and it’s starting to happen. My last post was about shopping properly, saving money and being able to stock up at the same time. It was about being in debt because there’s a good possibility we could lose our jobs for a period of time. Quarantines and isolating. That time seems to almost be here, yet this post is not all Doom and Gloom. I’ll tell you about the silver lining in a moment.

I live in Broward County, Florida. We’ve been declared a Virus hotspot so to speak, and the governor has ordered the National Guard into our county. My guess would be that they are here too maintain and oversee the implementation of his orders. It’s a surreal experience for me. As surreal as it would be if I was being beamed up to the Enterprise, and I say that with a smile. I never thought either one of these two things as a real possibility. There’s a silver lining in all this. If we follow the orders and the suggestions  we are being given by the government, and the really bright doctors on television, most of us are going to be just fine. There’s an extra added bonus too. Yesterday, in one of the most dynamic news conferences I’ve ever watched our president outlined his plan that combines government and private business. This plan along with the bill that was passed last night is being put into place to help the citizens of our country. The plan is about health and the plan is about money. People need to check the internet to see exactly when all that was spoken about will be implemented. I’m sure they’ll be talking about implementation on TV. One of these plans is to make sure that workers get paid during the next two or three months. The president spoke of money being allotted to the workers who’ve lost their jobs due to their employer either closing or going out of business during these social isolation times.

federal government

The Federal Government has promised to supplement and help all citizens who are afraid, and rightly so about falling deeper into debt. How they’re going to do it, and how the money is going to be distributed remains to be seen but this is a work in progress and I don’t doubt for one moment that this will happen. I do know that the funds will be distributed by Social Security. How does this affect you? That’s for each individual to decide but I have a couple of suggestions that I thought of that I hadn’t thought of before. Obviously this Federal bailout will help floundering companies stay in business. Hopefully, you’ll be able to maintain your employment when the virus fades. I forgot to mention one thing and thats unemployment. Depending on your state you might very well be eligible. In addition, you probably need to take a look at this. It’s the bill that was passed last night. It’s called Families First. It was a bipartisan effort and after reading it I think it’s going to help everybody who needs it.

Here it is:
https://www.documentcloud.org/documents/6810192-Families-First-Summary.html#document/p4/a556363

I truly hope it helps you if you need help. If you’re wondering what’s happening and why businesses will be shutting down or closing down completely here’s a brief synopsis. It’s like a trickle-down effect. If there’s no product coming out of China because they’re way behind, stores can’t stock shelves. If there’s no product in stores, customers walk in and walk out. This creates a lack of income for the retailer and puts them in a position where they neither need, nor can’t afford people to help them… And there goes a job!

That scenario can be translated to any business. I’ll give you one more. Movie productions are being postponed all over the world. Tom Hanks and Rita Wilson have coronavirus. They are in Australia right now preparing for a film. Now the studios don’t make movies. If they don’t make movies they have no product to release. If they have no product to release the theaters don’t get the films, but the theaters wouldn’t get the film’s anyway because public gatherings are being frowned upon and soon won’t be allowed. If that happens all the people that work in the movie theaters are out of a job. So it affects everybody, and every business has the same problem just in a different way. This bill will help your family if you meet the criteria which fortunately probably won’t be hard to meet. Please remember one thing.

I do believe the government is going to help and I do believe that unemployment will soften the blow. I also believe wholeheartedly based on what we’ve seen in China that this is a temporary situation that is handled properly can be remedied and rectified in two or 3 months. This has been confirmed by Dr. Anthony Fauci, the director of the national institute of allergy and infectious disease. So, what I’m trying to emphasize here is that help is on the way and panicking isn’t going to solve anything but only make things worse. I’d be remiss if I didn’t say in closing that you’re on a website that is geared to help people in financial distress.

When this situation ends we can help you get out of debt. Our payday loan debt consolidation company with 23 years of experience in the field can help you get out of any type of debt that you might have incurred during these tough times. You want to deal with a company like ours. We have longevity on our side and great relations with your creditors. We know they will work with us. Our A+ rating with the BBB ensures that you will be treated as a member of our family. We can get you out of payday loan debt in a quick expeditious way. We can have your creditors reduce your interest rates from a maximum of 700% in most cases down to 0%. You’d be paying principal instead of interest. You’re getting out of debt sooner. We can help with your Payday Loan problems. Advance Loan Consolidation is our specialty and we aim to please. We can save you thousands of dollars. Whether you need us or not please be safe during this crisis and take care. We’re all going to be fine.

God bless to all, and God bless America.

15 Mar 2020

Do payday loans get written off by the lender?

Do payday loans get written off by the lender?

It depends on the company. Some creditors are more aggressive in collection efforts then others. I think we all know that from personal experience.I don’t have a crystal ball but my guess would be that a smaller percentage of payday loans get written off then other type loans, simply because collection efforts are more successful with the payday loans.The thing to remember here is that whether they’re written off or not means nothing to you. The reason for this is because if you have the debt, you’re likely the one to get sued and if you can’t pay there could be a judgment issued against you. What do you need to do is  consolidate that payday loan debt at an interest rate that could be up to 700% lower than you’re paying right now. The key is to just get it done, and to change your financial future.

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.

10 Mar 2020
payday loan consolidation company

When Science Fiction becomes Science Fact, The whole world Suffers!

Well folks, the unthinkable has happened and it’s here. For the first time since 1918  there is a worldwide pandemic going on. The world has been rattled by the coronavirus. Unfortunately there’s no cure yet and more than likely it will just run its course here in the United States like it’s done in China. All business is suffering. It’s not just about “rich” people losing money in the stock market anymore. More than likely there will be quarantines. Small businesses will stop operating for a specific amount of time. Some will reopen some won’t.

Casualties of something that we can’t control. This financial disaster will affect almost everyone in this country. Hopefully, only in the wallet and not physically. there’s a chance that everybody who’s reading this article could be out of work in the next week or two for an unspecified amount of time. There are many of us who live paycheck-to-paycheck. I wrote about something like this scenario in an article back before the virus hit our shore. It’s here now. What people do during this crisis will affect their financial future for a long time to come. The financial decisions you make during these bad times need to be well thought-out lest they affect your future. There might come a time where you’ll need to borrow money. There are many different ways to get into debt. Some of them are palatable and some of them are completely distasteful. If you can get a personal loan when things go badly I highly suggest that you do just that. Sometimes people have to borrow against their credit cards. I’m not a believer in that but for the right reasons it certainly is the right move. Everybody has to eat and everybody has to pay their bills.

We are in uncharted waters and we don’t know what lies ahead. I know that as a last resort people take out payday loans. High interest, short-term Advanced payday loans at egregious interest rates that can run up to 700% per annum. What do you do when the crises is over and the day of reckoning comes? These loans have to be paid!! High interest payday loans are difficult to pay off. When your income returns, the last thing you want to do is be paying that incredibly high interest rate. How do you avoid it?

Easily answered! Payday loan debt consolidation, or Advanced loan debt consolidation as some call it is absolutely the answer to Payday loan debt. Federated Financial, with well over 20 years of experience in dealing with your creditors is able to have your interest rates reduced down to 0% in most cases. Doing that lowers those giant monthly payments by reducing the interest rates and having you pay only principal in most cases instead of interest. I couldn’t imagine why anyone would continue to pay the interest rates that these payday lenders charge instead of doing payday loan debt consolidation. When you’re stuck with your back against the wall, and the whole country seems like it’s falling apart, you do whatever you have to do to survive. If you must take out payday loans, when it comes time for relief you must do payday loan consolidation. Call the number on the top of our page, or fill out the form. You’ll be glad you did!

06 Mar 2020
payday loan consolidation company

Payday Loan Consolidation Perspective with Car Buying

Buying a car is the second biggest purchase we make In our lives. Obviously our homes are the biggest. As a side note before I get to the meat and potatoes I want to share something that I notice all the time about automobiles that makes absolutely zero sense. In my neighborhood I’d say one in ten people, and I am one of them use their garage for their automobile. It’s beyond my ability to comprehend how some people take the second most valuable thing they own and leave it outside when inside their garages they’re storing a bunch of boxes and junk that either belong in the attic or outside for the trash-man to pick up. Just a random thought. To each his own I suppose. So we wake up one morning and decide that the car has been giving us trouble and it’s well out of It’s warranty and costing us money regularly.

The first thought that most people have is let’s go down and look at new cars today. Now there are some situations when that’s a good idea and I’ll get into that in a bit, but first I want to tell you why it’s a bad idea. First part of the equation is to go to a reputable dealership. Best bet Is a local Ford, Chevy, or Chrysler Jeep, store. If you’re looking a bit upscale you know where to go. When I want a new car I really want an almost new car. I’ll give you an example of what I mean. I drive a 2019 mid-sized SUV. It’ll be a year old on May 1st. Today is March 4th so it’s coming up on it’s birthday. Here’s what I did. I kept my mind open. I knew I had choices and those choices were the same class car in either the Chevy, Ford, or Jeep Chrysler brand. You fall in love with Corvettes or Mustangs but when you’re buying an SUV there’s no real halo around any of them. I was looking for a reliable mid-sized SUV. We all know that when we walk onto a car lot the salesman salivate. I want them to have a headache.

I decided from the get-go that I was going to buy something that’s was barely used. In each dealership that I visited I told them I wanted something with less than 5000 miles and I wanted the best price they could give me…. and of course I wanted the latest model. They asked me what I was going to trade in and although I was trading in a four-year-old SUV I told them nothing. I told them I’m not trading. I’m buying. Ford and Chevy had nothing so I drove over to the Jeep store. We looked around and the I finally suggested that we look at the loaners that were coming out of service. Why didn’t the sales person suggests that? Simple answer is that he makes more money on a plain used automobile. I wanted a loner because I wanted something with really low miles. I wanted something that had the balance of its warranty left. The whole reason for getting something new was I was tired of paying for repairs. We went back and forth and he kept asking me about my car and I told him I was keeping it. My point here is never negotiate two cars at the same time. Otherwise they will borrow from Peter to pay Paul and you will get stuck on one end. I asked the salesperson what the rebates were from the manufacturer and he said what rebates?

I told him if he didn’t know about the rebates he needed to ask his boss. The manager replaced him in about five minutes and we were off to the racetrack. He knew what I meant. When an automobile dealership puts out a car that they use as a loaner for a few thousand miles they always receive a manufacturer’s rebate to cover the cost of the discount that they have to give you because the car is technically not new anymore. The car that I chose had every piece of equipment that I wanted but one. Most importantly it had a real six cylinder engine as opposed to a little four that was not turbocharged. I do a lot of parkway driving and the difference in power and torque was huge. The only thing it was missing was a leather interior and I knew that I could have one put in for around $1,000 using Katzkin. Finest custom leather product for just about every car made, and I didn’t have to buy a $5000.00 package to get it!  Here’s the bottom line. The car I liked had an MSRP of $36,000. It had 4800 miles on it all driven by people who borrowed it when their car was being fixed under warranty. Well maintained by the dealer without a scratch ding or dent on the body. We negotiated back and forth and they came down to $23,000. I had a number in mind based on advertisements I had seen on the internet. I wasn’t going to pay a dime over $20,000 for the car. Their final number was $22,000 and at that point I thanked the sales manager for his time and I told him I’d think about it.

I got up to leave and walked out the door.

The salesman followed me out and asked me point-blank, what would it take to make a deal today? I said to him give me your best price. He told me the manager said $19,995 plus tax and tag out the door. That was my number. The MSRP on that car was $36,000 so I was saving $16,000. That came out to 44% off the sticker price. Half the job was done. Now for my non- trade in. We sat down and I asked him how much they would you give me for my car? It was paid off. He seemed kind of taken aback which only meant that I did my job. I fooled them. This was not a long negotiation. I knew the auction prices and I knew exactly what my car was worth at a wholesale auction. I took twenty one thousand for my car and was happy. They will make a couple of thousand dollars on it and it’s okay. I made a great deal for myself but it was because I kept my mind open and I was willing to play the game and walk. I also did my homework! Never fall in love with metal it doesn’t love you back. It cost me $400 more for the tag transfer and I will get money back. No tax as my trade was worth more than the new car. If you’re going to finance and you have decent to good credit get a quote from a couple of lenders before you go shopping. That way you’ll be assured of getting the best rate you can from the dealership. They can’t mess with an educated consumer. If they give you a rate that you’re happy with ask them how many points they’re making on the back end? That will wake them up. Normally when you finance an automobile the dealer will try to markup the interest rates as high as they can by law so they make a nice profit on that too. I always allow them a half a point because everybody needs to eat. Remember that. It is important.

That’s the way to buy a new used car. I bought that car with 32 months and 32000 miles left on the warranty. To me that’s a score. At the beginning of this post I suggested that there are times when buying new, and I mean brand new can be a better deal. All the stars have to align for that to happen. In other words sometimes you can get a super steal deal when buying the last year of an out going model. There are usually GIANT rebates from the manufacturer and the dealer kicks in 99% of their profit. It’s a $100.00 salesman deal and they are happy to get it. Sales bonuses are paid on units moved not gross profit. Study a bit. You’ll know when the time is right. Now if you’re reading this article you might be thinking, why is this something that I’d want to read about on a payday loan blog? The answer is really simple.

All of your finances go together.

To get to a point in life where you can Finance an automobile at that price point and pay the most minimal amount of interest possible on your car loan starts at square one. Get out of debt!!! If you’re on this site you just had a good read and you’re also looking for some payday loan relief. Advance loans destroy financial lives but what they don’t do in most cases is report to the bureau’s. That’s right. Payday lenders usually don’t report outstanding debt to the reporting agencies. If payday loans are your only problem or one of only a few financial problems you have you probably need to take care of them first. They are the easiest debt for a long-established reputable payday loan consolidation company to remediate.

Payday loan collectors bark and growl an awful lot but the bottom line is, if you’re dealing with an established and respected 23 year old company like ours, that prides itself on our A+ rating with the BBB and the hundreds of thousands of people we’ve helped throughout the years you can get out of debt quickly. In most cases we can have your interest rates reduced down to 0% as opposed to the 600 or 700% annually that you might be paying now. We can get you out of debt in a much shorter amount of time then you could if you did it yourself. Paying no interest has the benefit of lowering your monthly payment considerably. Consequently, your payoff time and the hit to your paycheck will be a lot less than it would be if you tried doing it on your own.

In almost no time at all you’ll be able to say to yourself, “one down and a couple more to go and then I will be completely debt-free”. At that point in time, more than likely with some sort of down payment you’ll be able to go out and buy pretty much any kind of car that you want. That’s the way to live and that’s what you want to do when you’re dealing with advance loans. You want to use Federated Financial. We are Simply the Best.

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.

28 Feb 2020
corona virus threat

Payday Loan Consolidation for you when you Need It!

In this blog post I’d like to talk about the bottom line in debt consolidation for payday loans. There’s a lot going on in this world. Sometimes it almost feels like the world is coming to an end. Today, on Thursday February 27th 2020, many people are having financial difficulty add or financial fears on many different levels. There is so much going on. It’s all set up like a row of domino’s that have started to fall in unison.

Confirmed Corona virus Cases

The coronavirus has finally gotten here. It’s taken hold in China and it is finally abating. South Korea, Iran, Italy and many parts of Europe and the list goes on. This domino falls into the financial markets, closes down factories and that effect bleeds into the stock market. The stock market tumbles and it’s like the food chain. Factories can’t produce and inventory Runs low. Retail, has less to sell and the people lose jobs. That’s where the trouble starts. Financial problems are the most stressful part of family life. Yet they exist and we have to deal with them. When we only have dollars going out with no income coming in people tend to make desperate decisions based on emotion as opposed to being based on logic.

debt consolidation loans

They turn to payday loans. It’s quite understandable that somebody who had a family and was desperate to pay their bills would do something like this. Eventually the inevitable happens. That 6 or 700% interest rate becomes a financial burden and eventually becomes unaffordable. Many folks roll these loans into new loans and it ends up simply being a device which takes from Peter to pay Paul. It’s an endless circle that can go on and on. The bright light at the end of the rainbow is that there are companies that do debt consolidation for payday loans. What is debt consolidation for payday loans? It’s simply having your lender working hand-in-hand with the payday loan debt consolidation company and reducing your interest rate down to zero so you can pay these things off once and for all…

fico scores lower rates

When paying off these payday loans it helps immensely to use a payday loan consolidation company that has a track record. What I mean by a track record is a company that has been in business for over 20 years and is highly rated by the better Business Bureau. Those two things give the payday loan consolidation company that you’re using the track record and the credibility of being around for a very long time which in turn gives the client a level of comfort that they need by letting them know that there is a large reputable company on their side. In the payday loan consolidation business reputation is everything. Payday loan lenders pick and choose in a discriminating way when deciding which payday loan consolidation company they choose to work with. They do not work with all of them. They look for companies with a really good payday loan consolidation program. In this circumstance a really good consolidation program is one in which the customer always feels safe and protected and consequently because they know the job is getting done by a company that cares will make the payments right down to the very end ensuring that the lender gets paid back. A really good payday loan consolidation program let’s the customer know what’s going on every step of the way. Everything has to match. That way the creditors calling stops. There are no lawsuits being filed add this payday loan consolidation program has worked for the consumer. It’s a very simple process that can be made very difficult by a company without an ongoing track record with the creditors that they work with. a really good payday loan consolidation program is essential to being successful in paying off these debts. You paid off your payday loans. Unfortunately most people don’t know how easy it can be.the payday lenders certainly don’t advertise it, and most people just don’t think about it. They just figure they have a debt and they need to pay it. Many of these people live in small towns and the very people who own the lending companies are people they see from day-to-day. As we all know it be very embarrassing running into somebody who you are indebted to.You’d never want to be in a situation like that. The good news is you don’t have to be. You paid off your payday loans! You never have to be in that situation again. That is an absolute. There’s always an alternative solution. But at this point the bottom line is lowering your payday loans using payday loan consolidation. Proof positive that it works. You embark on a new life path. Your life has been changed for the better by payday loan relief. One last point about paying off your payday loans. It should never be this difficult. This has been mentioned on this site before. We’ve talked about it in our videos. Victims of ridiculously high interest rates shouldn’t have to use payday loan debt consolidation to fix the problem and the reason for that is there should be laws to protect them. As a consumer you need to write to your local legislators and tell them what the problem is. Tell them that you’re not going to put up with it anymore. Tell them that if they don’t start fixing it you’ll be going door-to-door with petitions to have them removed from office. Payday lenders can still make money at extremely high interest rates. There needs to be a cap. If the interest rate has two be 25 or 30% for the convenience of instant Cash and protection against some of these loans not being repaid so be it. 200, 300, 400, 500, 600, and 700% will never be an acceptable risk mitigation interest rate as far as any consumer is concerned…..

consolidate payday loans

If all the gears mesh perfectly and the program runs smoothly, you the customer are eventually provided with payday loan relief. It sounds so simple. Payday loan relief. Now here’s the catch. It’s only payday loan relief if you are able to stay away from those payday loans and not look backward. You must never use them again. Getting help with payday loan debt is nothing to be ashamed of. Debt happens. It happened for many different reasons. Not unlike the reasons I explained in the beginning of this post. Asking for help is not weakness. Asking for help shows strength. Asking for help with payday loan debts shows strength and a distinct understanding that there are some things that you cannot do yourself. There’s no shame in that. The shame would be not pay these things off add continue to pay for them for years. By not asking for help you do yourself a disservice. I believe in what we do. I truly believe that that consolidation for payday loans is the only way to go when you need to get out of payday loan debt. As a company that has been in business for 22 plus years Federated Financial has become a torchbearer in the industry. An innovator writing the rules when there were none. Setting up people to pay their bills when they thought they couldn’t do it. And then they did it. When you are mired in debt and looking for a good payday loan consolidation program look no further than the site that your on.if you work with us payday loan relief will be right around the corner. That’s because we care!

23 Feb 2020
best debt consolidation company

The Best Option for Payday Loan Debt Consolidation?

You have taken a payday loan. I’m sure there was a good reason. No one takes payday loans to go out and have a good time. As the weeks go by the interest mounts consequently not allowing you to pay much principal with every weekly payment. One day you wake up and you realize you’re walking on the debt treadmill. How do you get off? There’s no easy answer to that question. There are a lot of complexities involved and it all depends on your situation. If you do find yourself deep in Payday loan debt the biggest impediment to retiring that debt is the enormous amounts of interest you are being charged. I have a chart in this blog that will show you all the states and the interest rate they allow payday loan companies to charge. It can run you up to 700% annually.

It edition this chart will show you whether payday lending is legal in that any one particular state. Refer back to that. It’s just a couple of articles back. Payday loans might not even be legal in your state. For now, let’s proceed under the assumption that they are. That’s why you’re on this blog and on this site. My guess would be that you have visited other sites too, and you’re trying to make a decision as to who you’re going use to consolidate your payday loan debt.I think the two most important things you need to look for are longevity, as in time in business, and a combination of trustworthiness and credibility. Having written that I can actually think of only two companies that you give you both. I’m not going to talk about anyone else’s company, except to say that I know the man who is the owner of that company and he has integrity just like we do. So I’m telling you that if you see 100 ads in these categories for payday loan consolidation companies and you are confused I don’t blame you. I’m going to tell you to choose us!!!! Talk is cheap but I can prove what I say. We are now in our 23rd year of business. A lot of people can say it but I’m going to show you. Click this link. We incorporated January of 1998. That would put us the category of over 22 years, or in our 23rd year.

VISIT our SunBiz.org Business Listing Here

In addition we are recognized for our excellence by the BBB. We have been rated A+ and we have been for many many years. We are members since 1999. So what does that mean to you? It means you are dealing with a company that has forged trusting relationships with all of your creditors. It takes two components to make a company like ours work. First our clients. We make promises to our clients and we wouldn’t be able to keep them if it wasn’t for our relationships with their creditors. Creditor participation is huge.

Many of these new companies that are popping up don’t have these kind of relationships. A lot of them aren’t even recognized by specific creditors at all. Our longevity is one of our greatest advantageous. The BBB ranking speaks for itself. What I’m telling you here, is if you want to deal with the best just pick us. We will treat you like family and this program works!