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

As of this morning there have been more than 1.4 million coronavirus cases in our country. That’s based on the Johns Hopkins University estimate. Approximately 89000 people have passed away in the United States. Major automakers, Chrysler Fiat Jeep, Ford and General Motors are slowly beginning to reopen for business. The stock market was up almost a thousand points today. The market has reason to be hopeful. The reason for this optimism is that pharmaceutical company Moderna, has reported that their first clinical trial has shown that out of 45 people injected with the new vaccine, all 45 developed antibodies that normally only occur in people who have already had the virus. That is incredibly promising news. They’re 45 for 45 independent of the size of the dosage which varied by person. A big start, and phase 3 will start in July. They are optimistically hoping for a year-end vaccine. That’s probably the biggest news of all. Moderna is an United States based company out of Massachusetts. It would be great finding the cure here in the United States. That would reaffirm our greatness in the field of science and make sure that Americans, especially our healthcare workers in America would be inoculated first. So for every positive there’s a negative. isn’t it amazing how good news brings the morons out? The number of vaccinations administered to children in Michigan has dropped by as much as 22% during this pandemic. This report was released today by the CDC. The CDC happened to use Michigan as a case study but it has no bearing on other states in this nation. Why are people not getting their children vaccinated? The answer is pretty simple. It’s not Financial because I know that most states have programs to inoculate children regardless of their parents ability to pay. It has nothing to do with socioeconomic circumstance or the almighty dollar. This is all about the ridiculous anti vaccination groups keep popping up all over the world. I don’t get it. In this case science completely rules. When I was a kid I had to take a polio vaccine. They don’t give those anymore. No more measles or mumps shots either. Why not? Because these diseases have been eradicated from the planet. Is it magic? Did David Blaine make them disappear? Course not. Vaccinations rule. Why do people believe that their children should not be vaccinated? In this case you could lay odds that all these non vaccinators blame the inoculations that people have received throughout the years as the cause of the continuing covid virus. How ridiculous is that?

In other news Georgia has been open for more than 2 weeks now and as yet, there has not been a spike in Corona cases. There are probably two reasons for that and I hope I’m wrong about this. Reason number one could simply be that there’s always a lag between infection and symptoms. Especially symptoms that are bad enough to require seeing a doctor or going to a hospital or taking a test. Now fingers crossed, I’ll say  the other possible reason could possibly be the new way that we’re learning to live. I’m referring to social distancing and no physical touching as in handshakes. This very well could be keeping covid-19 at bay in the state of Georgia. I’m sure we’re going to find out really soon especially as more and more states begin to reopen.

How about restaurants? Is it safe to go out and eat. There are many new rules in place for going out to eat. Hand washing and employees wearing cloth face coverings are both essentials. The CDC recommends that all restaurants intensify sanitation disinfection and cleaning. Create social distancing by spacing tables and continuing to recommend curbside pickup. Restaurants are required to develop a system to check for signs and symptoms of covid-19 in their employees. So now, will the people come back? That’s an unknown. We do know that restaurant capacity is going to be greatly cut given the rules about separating tables and total people allowed in each establishment. It’s tough for the restaurants to begin with. The situation we are in makes it much tougher. Think about it, we go out to eat to relax. Maybe we go out with our kids on a Sunday. Our adult kids and sit in a sports bar watching the game and eating wings. Well there are no games and there are rules for the customers too. Face masks are required. The only time they can be removed is when you are eating. Your server will be wearing a face mask and gloves. Now I see this in Publix when I go shopping and I have to admit that I am feeling a certain level of discomfort when I’m walking in a grocery store. But, grocery shopping isn’t supposed to be relaxing. It’s a necessity. I can’t imagine not having that same feeling in a restaurant where everybody is masked and if you just sit and try and forget about the world around you you’re reminded every time you open your eyes if you are sitting in a covid-19 world restaurant. I’ve got to tell you. There’s nothing relaxing about that in my opinion. Although I support this country and certainly small business, I’m going to choose to sit those restaurants out for a while. I don’t mind making my own food sitting in front of my own big screen television set that broadcasts in 4k, and not worrying about somebody walking by, or serving me and sneezing while I’m not wearing a mask. It’s really that simple. I think the restaurants have a big tall ladder to climb and it’s going to take a long time before people are comfortable again. I won’t be comfortable until I’m able to get a vaccination. We go to the grocery stores because we have to. Nobody forces us to go to a restaurant. I am not anti restaurant. I am anti covid-19. Now I feel the same way about gyms. This one I don’t get and I am a workout person. Now full confession, I have a full gym in my house and I’ve always used it. I don’t need to use a public gym but I’ll occasionally drop by one of the gyms in my community perhaps a few times a month because of the social aspect involved. I’m glad I don’t have to do that now. How many times have we been in gyms, I mean real gyms and have had the person in front of us not clean off a bench that they sweat on, or a machine? In my mind gyms are already Petri dishes for disease. why would we put ourselves in Jeopardy doing something that we specifically do to be healthy. There are plenty of household items you can use to have a really good workout. The elliptical can be replaced by brisk walking and the same benefits will be reaped without the risk of catching covid-19. I don’t believe that one person in our government ever thought what would happen if everything reopened and nobody came. The jury is out on all this right now. There ought to be a verdict in the next month or so. Once again I really hope that I am wrong.

The lone Star State has reopened. Yes Texas is open for business. The only problem in Texas is that this weekend, and Saturday specifically Texas had the biggest single day jump in covid-19 cases since the pandemic began. 1801 new cases were diagnosed on Saturday. Texas Governor Abbott, laid the blame on the City of Amarillo noting that there were 700 new cases in Amarillo alone on Saturday. Is that really an important point? Amarillo is a hotspot. We all have cars. We go places. I don’t believe it’s safe there. I wouldn’t feel safe doing anything in Texas right now yet against all the original criteria for reopening including a 14-day downslope in new cases Texas has reopened.

These are some of the things that I noticed today in the news. Our world is still crazy. It seems like the craziness will never end. I genuinely hope like all of us do, that there will be a vaccine and it’ll happen sooner than later. I hope the people wise up and stick out their arms to accept the needle gratefully. Everyday is a day to watch. Day to keep our fingers crossed and Hope that we’ve finally crossed the bridge and we’re going to be able to continue to work and keep this country open..  Most importantly keep all that horrible death away.

payday loan consolidation

Let’s take a moment and talk about why you are on this site. Many people have lost everything since this pandemic started. Nobody really thinks about what it would be like to be out of work through no fault of their own for 3 months. If you’re on this site it’s more than likely you took out a payday loan. Payday loan lending should be illegal. A loan shark will lend you money for less. If you are deeply in debt and stuck under the specter of one or more 700% interest payday loans you’ve come to the right site. Federated Financial is a 23 year old payday loan consolidation company that can help you. In most cases we are able to reduce the exorbitant interest rate charged by your lenders down to 0%, which gets you out of debt in a shorter period of time than you could do so yourself. Our program has proven itself over the last 23 years. We have an A+ rating with the Better Business Bureau. Our payday loan consolidation program, put you into a position to retire your debt early and get on the right track again. There are so many predators in tough times like these. History has recorded them all. People who prey on other people’s misery. Payday loan consolidation works and it can work for you. Give us a call during normal business hours. 9 to 6 Monday through Friday. Or in the alternative fill out the 30 second form on the top of page and someone will be back in touch with you ASAP! I’m very proud to say we are great at what we do and we really care about our clients. The country is back at work and collectors are doing what they do best. Being pests! Let’s get the Raid and remove them from our lives. In this case the Raid is a good payday loan consolidation program…. At least it keeps the creditors away!

All about Payday Loan Consolidation!

*Can you put payday loans into debt consolidation?

Of course you can. There are companies like Federated Financial that only specialize in payday loan consolidation. Old established companies like Federated have great working relationships with your creditors. in most cases your creditors will reduce your interest rate down to 0% consequently getting you out of debt in a much shorter period of time. This is the reason that people consolidate their payday loans.

*Is payday loan consolidation legit?

That’s kind of an offshoot of the first question we received. We receive many questions, every day about what we do. Payday loan consolidation is legit. It’s been going on for years. Payday lenders will almost always work with our company because they know we’re reliable. Federated Financial is 23 years old with an A+ rating from the BBB. Unfortunately they’re always bad actors out there. They’re not legit and that doesn’t help you get out of payday loan debt. When consolidating your payday loan you need a company that’s old and established like Federated Financial. We’re honest, we’re respected in the industry, and we really care about our clients!

*How do I get out of payday loan debt?

That seems to be the question we’re asked the most. When you’re deep in Payday loan debt, sometimes it’s hard to conceive of getting out of the trap. Interest rates can run you up to 700% annually and you feel like you’re financially buried. Sometimes it’s hard to think rationally when you have financial difficulty. Here’s how you get out of payday loan debt. You’re on the right site, right now! Federated Financial‘s payday loan consolidation program works! Simply fill out the form on our homepage or use our toll-free number to contact our company. we will explain to you exactly how to get out of payday loan debt. If it’s something that you want to do we notify your creditors and in most cases they stop calling. In most cases they’ll reduce your interest rates down to 0% and consequently we are able to get you out of debt in a much shorter . Of time then you could do so you yourself. Payday loan debt can turn into a vicious cycle of rolling one loan into another. We can stop the cycle and help you start a new debt free life!

Consolidate your payday loans and start living your new life today!

*Will payday loan consolidation hurt my credit?

In most cases, payday loan consolidation won’t hurt your credit, but it won’t help your credit either. Payday loan lenders usually don’t report payday loans to a credit bureau except if they’re delinquent. The only things that happen when consolidating your payday loans all work for you. Your interest rates are reduced enormously. Payday loan interest rates customarily run between 200% and 700% annually. Payday loan consolidation can in most cases lower your interest rates down to 0%. This keeps you from remaining in the cycle of constantly rolling up one payday loan into another. Paying off payday loans certainly doesn’t hurt your credit. It helps you to maintain whatever credit you have.

*Can you add payday loans to debt consolidation?

Of course, you can! Debt consolidation is simply taking all your debt and rolling it up into one monthly payment which is dispersed to your creditors at a reduced interest rate. Anything unsecured is almost always accepted into a payday loan consolidation program. Given the state of our economy, especially now in the time of coronavirus, many people are running into payday loan problems and needing to consolidate their payday loan debt. Federated Financial is a 23-year-old A+ rated BBB company. We have a tried & true formula that can help you get out of debt at a greatly reduced cost, over a shorter amount of time than you could negotiate for yourself. Debt consolidation of your payday loans works!

*Should you consolidate your payday loan with a personal loan?

That is a subjective question. Everybody has their own opinion. I’m going to tell you why consolidating your payday loans with another loan makes very little sense. You wake up one day and you decide you want to consolidate your payday loan. If your credit is still good you might very well be eligible for a debt consolidation loan which in turn will consolidate your payday loan. My question is, why consolidate one high-interest loan with another? Instead, just consolidate your payday loan with a debt consolidation program. That way in most cases, you’ll be replacing your high-interest loan with a no-interest debt consolidation plan. We’d love the opportunity to explain it all to you! Please feel free to call us anytime, and we can show you a quicker and less expensive way to get out of payday debt then borrowing more money!

Catch the Chris and Andy show, 9 p.m. CNN

I must confess. I don’t watch CNN very often. Lately I don’t watch Fox either. This whole situation is way too politicized to get a fair and unbiased report on anything that goes on. There is one piece of absolutely compelling television that’s on two or three nights every single week. Chris Cuomo does his show weeknights at 9 p.m. Chris has also been down for the last two and a half weeks with coronavirus. To his credit he still does his show from his basement every single night. It has been obvious that he has been sick. What he’s doing is extremely comforting and inspirational to others who have this virus too. He’s upfront about all the symptoms. I mean everything. That would include depression, and even hallucinations.

In his position, talking about these things in front of millions of people is very brave. He has developed personal relationships and friendships with other coronavirus patients, and speaks with them on the phone during the day. He humbly says that it helps him as much as it helps them. I believe that. He’s frightened and he admits it. Thankfully he is slowly recovering. He also has a very interesting guest that joins him a couple of nights a week for long and informative interviews. His brother. Andrew Cuomo, Governor of New York. Critics say that Chris Cuomo pulls punches when asking his brother questions. I don’t see that at all.

The governor answers each question in a very deliberate fashion, and I’ve noticed a couple of things. It’s clear that he’s not looking to pick a fight with the President at this point in time. That’s not always been the case and these two go way back. It’s still interesting television. He’s been extremely deferential to the President and to the federal government. Of course, the love between the two brothers is really obvious and fun to watch. These guys know each other so well. Of course they do, they’re Brothers. As of today Chris still has a touch of the virus. He said to Andrew last night,” bro, I’m still sweating”. Without missing a beat, the governor of New York replies “it’s called a fever Chris. “the back-and-forth repartee and  barbs, and banter are hilarious. It’s the best TV out there right now.

New topic. I just finished watching the President’s press conference. All three phases of his Reopen America plan. I am not a purveyor of doom and gloom  and I know there’s a lot of mixed opinion about this, but I fear he’s opening up a Pandora’s Box. I hope I’m wrong. Regardless, if you’re reading this post on this site you’re here for a reason. You’ve been thinking, how do I consolidate my payday loans? It’s time to think about that. As the country slowly reopens collectors go back to work, and they collect. That’s what they do. To think how about how do I consolidate my payday loans is a good thought You’re in the right place to find all the answers.

Federated Financial is a 23 year old company with an A+ rating with the BBB. Our age and our integrity have put us in a position to develop strong relationships with your creditors. In most situations will be able to lower your exorbitant interest rates down to 0%. That will get you out of debt quickly and for a whole lot less money. Yes, we can really save you a lot. So when that thought crosses your mind, how do I consolidate my payday loans? Your immediate answer should be call Federated Financial. Our number is on our home page. In the alternative, just fill out the form on our home page and someone will get back to you almost immediately. GOT PAYDAY LOAN DEBT? We’re the company to call when you become overextended with payday loan debt. Federated Financial really cares!

Leave it to our country’s leaders to politicize the biggest tragedy in 102 years…

Read this. It affects you. President Trump has his mind set that this country needs to reopen by the 1st of May. People get it. They understand why. Or, at least they understand why he feels that way, but it might not necessarily be right. In the case of coronavirus the cure is in the process of destroying the patient.

Our economy has seen a nice bounce-back over the last week and a half but, it’s certainly not time to put people back to work in many places. The President has come out and said that the final decision rests with him which is in direct contravention to the Constitution. The 10th amendment specifies this fact. Governor Cuomo of New York was very specific about this. “Earlier Tuesday the governor told NBC‘s “Today” that the power to reopen state economies clearly sat with their governors as defined by the 10th Amendment to the Constitution, which states that powers not clearly designated to the federal government fall instead to the states.” If you have your nose to the news, many constitutional attorneys have come out and agreed with Andrew Cuomo, who is an attorney himself. At the governor’s briefing today he was very specific about not wanting to politicize this problem but wanting to protect the people first. A coalition of East coast governors including Republican Governor Charlie Baker from the state of Massachusetts have formed kind of a coalition coming forth to say that the decision is ultimately there’s as to whether or not their state gets reopened, and they will do what’s best for the people of the states they govern. Donald Trump came out this morning on Twitter calling these governors mutineers. Not very Presidential. Shame on him for that. He’s a bright man who does know better.

Governor Cuomo went on to say at his briefing this morning, and I paraphrase, that the President has been extremely responsive to him and the state of New York and the last thing he wants to do is go to war with Washington. He wants to leave politics out of this discussion and concentrate on the people only. He went on to say that he has no axe to grind with the President and would only oppose him if President Trump were to try and override his decision as to whether or not to reopen New York to business. It’s an interesting situation that bears watching. I will say that after all I have watched and read about this, all these governors have an open and shut case. The 10th amendment clearly gives the power to local government. When our founding fathers wrote the Constitution they had come from a Monarchy and had no desire to create another one. There was never supposed to be a king in America and there never has been. So will some areas start to reopen and go back to work? If they do your payday loans will become a problem. You will need help consolidating your payday loans.

I’ve said it before and I’ll say it again. You’ve come to the right place. if you need help consolidating your payday loans we are the company to use. We’ve been in business for 23 years and we’re highly rated at a plus by the BBB. Payday loans are a tricky thing. The lenders love them because they earn between 200 and 700% interest on most payday loans they extend. Our company, in most cases will be able to lower your interest rate down to zero and get you out of debt in a much shorter amount of time for a whole lot less money. If you need help consolidating your payday loans, please use us! You want to deal with the best payday loan consolidation company out there and remember one thing! We care.

Is it time to Consolidate My Payday Loans?

I had someone email me the other day and ask that question. She wrote, “please tell me why is it time to consolidate my payday loans“? She goes on to write that she didn’t understand that during this crisis when cash is short, why would she be giving money to a payday loan lender.

This is what I told her. I reminded her first and foremost that she borrowed the money. I reminded her that she has a legal obligation to pay it back and also reminded her that her lenders could sue her. Clueing her in to the fact that I’m not an attorney, I explained to her if they were to sue her and win, her life could be made miserable. I explained to her that when creditors obtain a judgment they can go after many things that belong to her as long as they are unencumbered by a pre-existing note, or state law.

Furthermore, I went on to say, if she were to be sued, one of two things would happen. She’d either not appear and her creditor would receive a default judgement against her, or she would appear and based on payday loan lender paperwork that I’ve seen it would probably be open and shut. She would lose and could be responsible for lenders attorneys fees as well as hers. The flip side there is that a good attorney might just be able to find the hole in the paperwork. Did the Payday Loan company charge her too much money in fees based on her state’s law? Were they licensed to do business in her state? There is no perfect contract. In many cases there are holes.

I went on to say that despite all that, at the end of the day depending on the amount of money that was owed, it might just be less expensive to pay it off and be done with it. And that goes back to her question of why now? Well why not now? At the rate of interest that payday loan companies charge which is up to and including 700% APR every day she waits costs her money. But, here is the kicker. Using a good payday loan debt consolidation company would show you why the time could be now to get to work and fix the problem. Let’s take a really good company that’s extremely well respected with 23 years of experience and and an A plus BBB rating. A company like ours. Given our years of experience we know how to do it. In almost all cases we are able to have your creditor reduce your interest rates down to 0% putting you in a position to be able to pay off those payday loans in a much shorter period of time.

In other words we can get you out of debt quicker. I’d venture to guess that in many cases the interest on your payday loans has exceeded the actual cash balance that you originally borrowed. That’s insanity. The country is going to slowly come back online over the next month or two. That’s why consolidating your payday loans now should be done to avoid falling further behind. It’s time to start thinking rationally about the reality of your debt.So for everybody that’s reading this post I would say, ask yourself why would I want to consolidate my payday loans? ….. and consolidate my payday loans now? The answer is very simple. Each day you wait makes it harder and more expensive to get out of debt. Is there any better reason than that?

Payday loans and payday loan debt consolidation in the age of coronavirus!

I was just doing some thinking. It’s Sunday, April 12th, Easter Sunday and I just read this long article about how amazingly wonderful the federal government is for sending out $1,200 ACH’s and checks this coming week.

Am I missing something here? This country has been out of work and shut down for about a month now. What good is one check, just one check for $1,200? Well, let’s see. In the south Florida area in which I reside, it’s less than a half months rent for a 3-bedroom 2-bath home. More than likely it would probably pay the interest and property taxes presupposing they’re escrowed on a house that you owned. For a family of four, it would probably buy groceries for about a month. I think you can see where I’m going with this. Why bother if it’s only going to be $1,200.If I’m not mistaken, initially it was going to be $1,200 twice. In other words once in April and once in May.

I’ve not read anything about that since it was first brought up and discussed. What we need to do for the sake of my point here is to let’s put that $1,200 aside just for a moment. If your state is anything like mine unemployment maxes out at somewhere between three and four hundred dollars a month. Add the $600 that the government was gracious enough to add on, and they’ve said they will add that on every week, and that makes $900. That’s less money then many people make. If you’ve lived your life making sound financial decisions hopefully you have some money tucked away for these rainy days. It’s hard to do that even in a two-income family especially if your family is young. Many people are not able to save until they get older.

So I guess we talk about alternatives. I haven’t forgotten about the $1,200. We’ll get to that in a moment or so. If you are a two-income family that 900 X’s 2 should get you by. Good for you. In this country, single-parent families are a pervasive problem. The real problem here lies with a monthly income when there is none. You are relying on your local unemployment office and an additional $600 kicker from the government to live each week. That $1,200 stimulus check your getting provides and additional $500 for each dependent child. I think you’re understanding my math right now and bottom line it is you probably won’t be making very much more than you would need to make to get by and perhaps you’ll be making a little less. That $1,200 that I was talking about before needs to be put away. I’m serious.

My dad always told me…and he was right, just to live on my earnings. In this case, you must live on whatever your earnings are and you have to be financially responsible so you can live on this money. Emergencies happen and that’s what the $1,200 should be for you right now. Being in the financial business I understand what people do for money sometimes. Hopefully, you haven’t had to borrow and I especially hope that you haven’t had to resort to taking a payday loan. Paying somewhere between 200 and 500% interest is really unacceptable. If you’ve been forced into that situation let us help you. Let us help you before it gets completely out of hand. Payday loan debt consolidation is a proven factor in reducing payday loan debt. Reducing payday loan debt is essential while the loan is still new. As the loan ages the interest mounts, and if you’re unable to pay on that loan as per your contract your total balance is going up right now.

Payday loan debt consolidation is the answer. In most cases, we can help you by working with your creditors to reduce that enormous interest rate down to 0% which lowers your payment considerably and helps you out of debt quickly. Payday loan debt consolidation has worked for decades, and we’ve been around for decades. We have an A+ rating with the BBB and as an old established company, we have the ability to help you. We will get you into a payment that you can afford to make and get you out of this payday debt. Did you know that only two out of 10 people pay off their payday loans as per their original contract? The other 80% roll the original loan into another. We can stop that from happening. Fill out our form or give us a call and we can begin to help you immediately. We always do the right thing. We have a track record to prove it, and in addition, we really care!

Your Payday Loan Creditors are starting to drool!

Yes, you read that right. As talks go on about reopening our country, creditors around the country are starting to get hungry. Hungry for your money. If you’re on this blog you know that we are a payday loan consolidation company. We are one of the companies that consolidate payday loans. Our name is Federated Financial and we’ve been in business for 23 years with an A+ rating from the BBB. That says it all. With that out of the way it’s time get real. Banks that deal in mortgages and credit card debt have extended all sorts of amnesty to their clients. It’s not because they’re kind.

It’s because they want to get paid even if it’s in small bites. No amnesty for payday loans! Why? Because these lenders prey on their customers. Their business model is geared to keep people in debt for many years. Payday loan debt consolidation companies are here to curb that process. There’s no amnesty for payday loan debt. I’ve googled it many times and can’t find anything about that. That begets the question, how do I get out of payday debt? Well, as most of us know by now the government will be either electronically transferring or snail-mailing relief checks to most Americans starting on Monday.

Your payday loan creditors are keenly aware of that too and will use every resource within their power to get their hands on your money. You need payday loan consolidation companies now,,, more than you know! If you’re reading this you are here for help and tell you why. What I mean, is you’re here because you need us but you really don’t know what we can do for you. A good payday loan consolidation company that’s been in business for a very long time has built up solid relationships with your creditors. Based on our longevity and the honest, transparent way we do business, payday loan companies know if we tell them they’re going to get paid in most cases they do.

You want to pay those payday loans through our company. Using a good payday loan consolidation company to pay your debt can save you thousands of dollars, and years of grief, both emotional and financial. In most cases our program can get your creditors to reduce your interest rate all the way down to 0%. Right now, odds are your paying somewhere between 200% and 700% annually. Payday loan consolidation companies can make your savings astronomical. Relieving the high interest burden from your loan allows you to pay off your payday loans in a reasonable amount of time. It’s really a smackdown victory. You’re paying your creditors back, but you’re not paying The “Vig” so to speak. One last little note. I call it The “Vig” for a reason. It’s a term that loan sharks use to describe interest. It’s short for vigorish. That’s what they call it. I call it that because I believe that payday lenders are nothing short of glorified loan sharks. Eventually the government will do something about it. Right now you’re stuck with it so let’s make the best of it. Let us help you! It’s what we do, and we really care!

Attention Florida FPL customers!

FPL has stepped up to the plate to help customers who live in the State of Florida. Florida electric bills are sent out monthly and always adjusted for the amount of fuel that this public utility uses each. This happens on a monthly basis and usually the amount is so insignificant that we do not notice the discounts.

This practice is about to improve if only just for the month of May. FPL announced yesterday that they will take the yearly discount that every person receives monthly, add it up and apply the discount to the total from our May FPL bill. That begets the question, how much money are we actually talking about in savings for the bills we receive in May? FP&l has stated that for an average customer paying $96 a month there savings should run around 25% next in May. That sure will help. Consumers need those concessions from other companies too. With so many people out of work and the government still trying to put together a program that get those stimulus checks out to the people, now saying it should be 3 weeks before we see our first check, people need relief until the first unemployment augmentation, and relief checks hit our accounts and or our mailboxes.

https://www.fpl.com/coronavirus.html

Many people have been backed into a corner. They’ve been forced to borrow money in ways that are not financially prudent. In every emergency, it always seems that predators win. There are certain predators out there that always seem to make money off the misery of others. Payday loan companies are lending money left and right. in addition, people have payday loans that haven’t been paid in quite some time because they don’t have the income to pay them. If you find yourself in that position, your advance loans are running up huge amounts of interest.

This should not be a secret to anybody who has been forced to take out a payday loan because we all know that these loans can run between 200 to 700% interest annually. If you are finding yourself in a situation where you have fallen behind on your payday loans and don’t know which company you want to use to help you out of debt you are on the right site. We are a twenty-three-year-old company with an A+ rating with the BBB. We are here to help you. If you’re stuck in debt with payday loans, and would like to consolidate those payday loans give us a call or fill out our form on the front page of this site. We specialize in consolidating payday debt, and as always we are here to help.

Federated Financial an illustrated history of us!

Federated Financial Services incorporated in the state of Florida January of 1998. We’ve come a long way. The world has changed, and almost 23 years of life has gone by. We started small. We were a little debt consolidation agency employing seven people. I never planned for us to grow. Well, not grow that much. I always believed we needed to stay small and controllable. It didn’t work out that way. The problem was unfortunately this country was rife with debt. We had never thought about that. Initially when we started, we advertised in local papers all around the United States. The response was immense. We had no choice. We had to add staff. People we’re calling from all over the country. Then the licensing and bonding process immediately began. It almost put us out of business. These two things were very expensive but we made it through and continued to grow. Six months later we found the Internet. Or actually it found us. I had a website designer come in and tell me that we should be advertising our service because his mother used us and we were great. We bought our first domain. I wanted Federated Financial.com. It was taken. We ended up with ffs – inc.net. Short and sweet and right to the point. Little did I know that my web designer was studying SEO. When the point in time came that he felt his understanding of the process was deep and unique, we decided to create a site and make it SEO friendly. The response was crazy. Our SEO certainly did a good job. We had number one ratings in all the major categories on the one search engine that was relevant at the time. That was AOL which was powered by Excite. We needed more staff. By the year 2000 we employed over 50 people

https://web.archive.org/web/19991104034304/https://ffs-inc.com:80/

We started to grow in and bounds and the industry followed. In 2002 all the creditors we dealt with required us to become certified as an ISO company. I always thought manufacturers were the only companies that had to do this but I realized it was a quality control system, and given that we dealt with large sums of information and money we jumped at the opportunity to become a member of such a prestigious club. And we grew again! In August of 2001 I finally got the domain I was looking for. We were now federatedfinancial.com. Given that people were flocking to us in droves we decided it was time to start from scratch and create a real comprehensive website which said it all. And we did. That site gave us the ability to reach more people and to tell people what we were all about. We were only two and a half years old and we had 30,000 clients. We were also A+ members of the BBB , receiving that distinction in 1999. In addition, we were well-established members of the community and of the industry. With an in-house IT staff of six, we felt we were technically the most innovative company of them all.

https://web.archive.org/web/20030419062219/https://new.federatedfinancial.net/

We needed to change with the times. Business was great and we were doing a hell of a job. We finally knew we had made it. My IT department re wrote our existing software and we prepared for the crunch. We had 50000 clients. As our site became more relevant our position improved on all of the search engines and we literally had hundreds of number 1 positioning online. Only one of the company was doing this at the time. They were good too. That was good for both companies because kept both it staffs on their feet thinking all day long. Everybody wants to be the best. We always considered our clients friends and family. We treated them as though they were our sisters and brothers. That showed in our results. Over 80% of our people completed our program and got out of debt. We still continued to grow and every year the criteria became more stringent for ISO certification. We always passed the inspection. Our quality control department made sure of that. We became very compartmentalized. It felt so corporate. We had 80 employees.

https://web.archive.org/web/20061124142449/https://federatedfinancial.org/

All of a sudden it was 2005 and we were one of the top three companies in the United States. We had over 60,000 clients and a staff of 105. We had an HR department, we had a review department. We had a customer service department. We had every single department you needed to run a big strong credit counseling company and we did. We did it well and we did a great job. We occupied 18000 square feet with a hundred plus employees and the clients just kept coming. We learned firsthand what really was going on here in America. Things weren’t “Rosie”. That’s an understatement. Then came 2008 and 2009. The world came to an end. Our country had a financial meltdown. I thought we’re going to have to throw in the towel. Who would think about paying bills when the markets crashed and the banks were really hurting. The federal government had to bailout General Motors and Chrysler. But, not only did we survive but we thrived. To this day I absolutely believe it was due to the unparalleled customer service that we provided our clients. We always bent over backwards to do the right thing, but in time, everything passes and the country was once again up and running. I liked our website a lot and it served the purpose. It became recognizable. It was almost a symbol of our company and people just knew it! There was no reason to change it cuz it worked. We were a successful company. Nobody complained because we did a great job. Our debt consolidation and payday loan consolidation programs were working and people were relaxed and happy knowing that their bills were getting paid and the creditors were not calling them anymore. We had succeeded in the mission that we started off to accomplish years before. 10 years old and doing our job. I was very proud.

We kept this website in different incarnations for a long time. Probably seven or eight years. Then we switched to the above. This website has been up since 2015 in various incarnations and you’re looking above at the iteration we use today. This website is a vast encyclopedia of knowledge plus information, and we provide that for everybody because there should be no reason people can’t have access to good strong information like this on the Internet.

We are still in business after all these years and we’ve scaled it down a bit. This industry isn’t what it used to be and we don’t have the same volume of clients that we used to, but we’re still quite large and we’re not going anywhere. We have a track record and we have the same ownership now that we had almost 23 years ago.There are more Americans to help and we plan on helping them. The name Federated Financial stands on its own. Everybody knows who we are and I’m proud of that. I created something from scratch and I’m still doing it today. If you need our help and are having payday loan consolidation or debt consolidation problems just please, give us a call. We can help. In most situations we can reduce your payday loan interest from up to 700% annually all the way down to zero. It’s easy if you know what you are doing. After all this time we definitely do. You’ve come to the right page and if you need our help you’ve chosen the right company. Payday loan debt consolidation is our specialty and we can save you lots of money getting you out of debt.