Payday Loan Consolidation Company
6574 North State Road 7 #137 Coconut Creek, FL 33073
Mon-Fri: 9am - 9pm
31 Mar 2020
fpl covid-19 update

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.

29 Mar 2020
wrestlemania36covid-19

Sunday night, April 5th 2020, WrestleMania 36 at Raymond James Stadium!.. NOT

This is going to be a fun post but I do want to make a large point about corporate greed! Originally WrestleMania 36 was scheduled to be held at Raymond James Stadium in Tampa. It’s a huge facility and it’s home to the Tampa Bay Bucs. Well, those of you who are wrestling fans know what comes next, and even if you think you do keep reading… you probably don’t. Those of you who don’t watch wrestling, read on too. I think you’ll find this very interesting. I’m going to tell everyone, a whole bunch of stuff that they probably didn’t know. As we all know, the corona virus has rendered all major venues uninhabitable by more than 10 people. Well that’s certainly not enough people to watch a WrestleMania show. They expected 80,000 plus. …….. Government mandate completely pulled the plug on that. But not so fast. The WWE as a publicly traded company and the largest wrestling entertainment company on the planet has their own building right down here in Orlando Florida.


WWE moves WrestleMania 36 to Performance Center amid coronavirus

It’s called the WWE performance center and 1it’s a 20,000 square foot facility used entirely for training purposes. The WWE gave up running big shows in big arenas a couple of weeks ago and instead of closing up shop as many other TV programs have done, The WWE pushes on. They decided that instead of running events in front of 20,000 people in an arena three times a week, they would take it to their performance Center and televise live from there. Of course the problem there is size. Pull out all eight training rings and the facility seats about 200 people. That’s certainly no comparison to the 15 or 20 thousand fans that SmackDown and Raw draw each week… or the five or six thousand fans that NXT brings in… Raw is their flagship show, running 3 hours on Monday nights and Smack Down is televised by Fox on Friday nights.

I relay all this information to let you know just how big this business really is. Right now all three shows are being broadcast from the WWE Performance Center and they certainly would draw 200 fans for each show if they could. The caveat here is that gatherings of 10 or more people are prohibited. That forces the WWE to  broadcast all of its shows every week with no audience. I watched it once. It was really strange. I never saw anything like it in my life. Totally surreal. For the uninformed, wrestling is scripted. Yes, I know I just broke some hearts out there but it’s scripted for sure and that’s really not a secret. These shows from the performance center are being televised live. During a show in a large arena the noise is deafening. Not so much at the performance center. They’re operating with a skeleton crew to protect people and even though wrestling is scripted and the end is predetermined the performers still have the ability to make up the match as they go along. They do this by calling out moves to each other. It’s okay to do that when there are 20000 fans screaming all the way up to the rafters, but on live TV with no noise at all?

https://www.ewrestlingnews.com/news/breaking-update-major-changes-being-made-to-wrestlemania-36

I can tell you this. You can’t hear them speaking but you can sure see them whispering, and most people who don’t understand what they’re doing are just wondering why these people are talking to each other during a match. It’s wrong and it could never look right. It looks forced. Any mistake is magnified and given the physicality of the business there are mistakes made. This is live TV. Surprisingly ratings are pretty stable for the shows and the money is still rolling in. The live shows stink. Half of the show is dedicated to matches that are older, being played back on video, and the two or three live matches in each program are just plain awful. These are performers, and performers work best in front of a live audience. Given that there are no live sports on television now and the ratings are high, Vincent Kennedy McMahon, president of the WWE continues to run his live shows every Monday Wednesday and Friday evening. That’s free Enterprise but at what price?

McMahon is still putting on his WrestleMania show. The grandest event of the year in front of no live audience. The thought of that six months ago would have been impossible to conceive. The audience drives the show. They boo the bad guys and cheer the good guys. The heals get heat and the heroes get love. Now nobody’s getting nothing!!! Given that this is probably an $80 pay-per-view event and there is a WWE Network that’s been waiting for this show for months, the show must go on. But at what cost? Performers have been getting sick at these tapings. Andrade, Daniel Bryan, and Dana Brooke have all dropped out of the show.

They are sick. So have Bobby Lashley and Rey Mysterio. They all have coronavirus. There are others too. There are some performers who have asked the WWE that they remain anonymous. Whoever is paying and watching on April 5th will find out who these anonymous people are. The matches have already been set, and people who are missing will be conspicuously absent. In addition the star of the main event Roman Reigns has dropped out too. As a two-time leukemia survivor this young man has opted out on advice of his doctors. His immune system is compromised and if he catches this thing they fear the worst. This begets the question, in this case why must the show go on? Money!

That was the easiest answer I’ve ever given. Pay-per-view revenue is huge. Yeah, the WWE loses out on the gate and merchandise sales but at least they don’t lose money on the production. Risking young people’s lives, along with production team members just for the almighty buck. In addition, the  fans get a substandard show because the biggest stars won’t be there. For those of you not familiar with this semi sport you must understand that this is the biggest event of the year and every performer dreams about performing in this thing. Those who perform receive enormous paychecks for this particular event. Yet, still more performers are opting out of traveling to the event in Orlando and these are people that will be revealed as the show goes on simply because they will not be there. Sounds like a big mess to me. And who suffers? The performers who get sick and of course the fans.

They’re not getting the best of the best but they’re paying the most of the most. I can tell you one thing for sure. Vincent Kennedy McMahon will not need Advanced loan payday loan consolidation many of you will during these tough times. I wrote this article to be entertaining and perhaps it will take people’s minds off the reality that our planet finds itself in right now. Bills are piling up. Some of us are in way over our heads. Payday lenders ringing the phone off the hook wanting to get paid. In addition they want to get paid plus interest which in some cases adds up to 700% APR. If you are in that situation please call us. Our number is on the top of our homepage, or simply fill out our 30-second short form. We are the premier payday loan consolidation company in the United States. 23 years in business with an A+ rating with the BBB tells the story. How do you consolidate your advance loans? Do you want to pay back 700% interest? Advanced payday loan consolidation works. Payday loan debt consolidation is absolutely the answer to the ridiculous interest rates that these creditors charge. We can take those advanced loans and have the creditors put you in an advance loan, payday loan consolidation program where your interest rate in most cases would end up being 0%. Do the math. It works!

 

26 Mar 2020
united states stimulus checks

You have some big time money coming in the mail!!! What should you do with it?

Last night, Wednesday March 25th 2020 the Senate passed a two trillion dollar bill, which in theory will aid our country during the rest of this coronavirus outbreak. For both April and May, this bill will pay people who make up to $75,000 a year, $1200.00 Per month. Couples making up to $150,000 a year would receive $2,400. Each child in the household would allow for $500. extra. Some families could receive checks upwards of $3,000 to help them through this crisis. In addition, the people who have lost their jobs and currently collect unemployment, will receive an additional $600 per week, this according to Chuck Schumer (D, NY) This bill was drafted with the intent to insure that laid off workers will receive on average, an amount equal to their full paychecks over the next four months.

THE BILL ALSO INCLUDES ROUGHLY A HUNDRED BILLION DOLLARS IN ASSISTANCE FOR HOSPITALS. 350 BILLION DOLLARS IN ASSISTANCE TO SMALL BUSINESSES. 500 BILLION DOLLARS FOR THE  NEEDS OF CORPORATIONS, INCLUDING AIRLINES, AND CRUISE LINES THAT HAVE BEEN HURT BY THIS OUTBREAK….. IN ADDITION, ABOUT A HUNDRED BILLION DOLLARS HAS BEEN ALLOTTED FOR STATE AND LOCAL STIMULUS FUNDS.

Senate Approves $2 Trillion Stimulus After Bipartisan Deal photo by https://www.nytimes.com/2020/03/25/us/politics/coronavirus-senate-deal.html

This bill was almost derailed numerous times by congressional Democrats, led by House Speaker Nancy Pelosi. As a Republican Presidential driven bill, Pelosi tried to load a full Democrat agenda into it before it received a thumbs up from congressional Democrats. Based on what I’ve read, there was a lot of give and take and at the end of the day this thing was signed sealed and delivered and ready for a final vote from the House, which is expected to pass the bill today. President Trump has already announced he would sign it immediately. The finished product, although immensely helpful for our nation which is spiraling out of financial control, did have a couple of democratic agenda items put in there before the Democrats would vote to pass it. That includes a 35 million dollar grant to the Kennedy Center. That’s exactly what the country needs during these frightening and uncertain times. Let’s donate 35 million dollars to the arts. These are dollars which could have been way better spent on masks and protective gear for Hospital workers. Nancy Pelosi is a thorn in everyones side. A vile and impotent human being. She should be nominated for Time magazine‘s non person of the year award if they ever make that award available. Shame on her and her agenda. At any rate all taxpayers will be receiving these benefits over the next two months starting around the 10th of April as per Treasury Secretary Mnuchin.

photo by https://www.credit.com/blog/4-ways-to-drop-your-debt-weight-next-year-104762/

So back to you. What should you do with this money when you receive your first stimulus check? We’ll get it to that in a moment but first, I would like to emphasize what you shouldn’t do with it. Lay low, and hang back on paying your bills. Pick up the telephone. Call the company that finances your automobile. Some automobile finance companies are granting consumers 2, 3, and 4 month payment amnesties given that they’re out of work. See if you can negotiate something that’s good for you. Pay for the essentials. Food, shelter and electricity reign supreme. If you have payday loans. Advance loan payday loan debt consolidation is available to you. How do you consolidate your payday loans? Where do you consolidate your payday loans? Can you consolidate your payday loans and what companies will you use to consolidate your advance loans? Consolidating your advance payday loans may be an essential thing to do now. That way, when you start making payments you can make them at an interest rate that in most cases would run you about 0% as opposed to the 500, 600 or 700% annually that you’re paying right now. Go to the top of our homepage fill out our form and submit right now. If you prefer, pick up the phone and call our office. Payday loan advance loan debt consolidation really does work. What kind of company do you pick and who do you pick to do this work for you? You pick a twenty-three-year-old company with a track record, A history of excellence and an A+ rating with the Better Business Bureau. That happens to be us!

Please Practice Social Distancing, Protection, Prevention of Coronavirus Covid-19

So what do you do with your money? You pay the bills that you select to pay and understand that although the government is paying you it won’t last forever. Put that money in a safe place. If there’s an outstanding judgement pending against you or your spouse, I would strongly recommend AGAINST putting it in the bank. Collectors will stop at no end to collect their MONEY, especially in tough financial times like THIS. They know full well that people are going to be receiving big checks from the government. Hold on to that money. Nobody knows for sure how long this emergency is going to last. Make sure you take care of things using a system of priorities. Food water shelter electricity are all essentials. Keep that in mind. Don’t give in to collection efforts that may or may not end up being illegal during these tough times. As Americans we have weathered many storms before and will survive this one too. Practice social distancing. Don’t go out unless it’s an emergency. Grocery store, pharmacy. There are not many other things I can think of that are more important than that, and certainly not ones that are worth risking your life. Try to limit your visits to the grocery store and try go off hours if you can. Make sure you save yourself from a nasty case of the flu and quite possibly something worse by following the government’s orders and doing the right things for you and your family.

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!

07 Mar 2020

How do I legally get rid of payday loans?

How do I legally get rid of payday loans?

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

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

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

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

05 Mar 2020

Best payday loan debt consolidation company!

 
 
 
 

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

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

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

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

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

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

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!

14 Feb 2020
stay out of payday loan debt

How to use a budget and stay out of payday loan debt!

How to use a budget and stay out of payday loan debt. When I was young my father would tell me “live within your means”. I never really understood that concept because money always burned a hole in my pockets. I had no idea how and or why I should save money and I had no conception of what it cost to live each month and what the total was… or what it could be each year. Let me explain below…

When I would ask my friends how do you make a budget they would tell me write down all your bills and write down all your income and and subtract your bills from your income. If you had something left over you were doing okay and if you didn’t have any leftover you’d need to tighten up. I tried to do that but I found that at the end of the month, even if I adhered completely to my budget I was still in the red… Then I had an idea I still use today. Your income may be a static number but monthly debt is fluid.

There are bills, there are emergencies. The cost of food always varies. The electric bill goes up and down and I could go on. This is what you need to do to figure out a monthly budget. Print out the statement from the last 12 months of your banking. Go over it item-by-item. Every bill that you paid whether it be recurring or a one-time bill needs to be written down. Do that for one full years time. Then, add up all the numbers and subtract them from your income. That’s a true budget. You’ll see all your bills. Doctor’s bills, veterinarian bills. Cost of shopping. Cost of water. Pet insurance if you have any. All of a sudden you see where the money has been going. Include the cost of entertainment because going to the movies and having some sushi afterwards is something I would call semi reoccurring debt. With the debit cards that we use today and the checks that we write, your actual statements are the best barometer of what it costs you to live. If you are in the black, good for you!

Start saving money for an emergency fund. Nobody knows when an emergency can happen. If you are the red start cutting back on whatever you need to cut back on. In another blog post there’s an article written about stupid debt. Read it. We all can relate. Here’s the thing. There is a quick fix for these monthly shortages and many people take them. They’re called payday loans. Most of our clients have them. They are ridiculously high interest advance loans that cost an arm and a leg to pay back at interest rates that could top off at 700%. At that point in time many of the people we work with go into a payday loan consolidation program. You don’t want to be the person that takes out that 700% short term loan. That short-term loan will always become long-term. There are very few people that can’t afford that kind of interest on top of their monthly bills.if you ever find yourself in that situation you will need a payday loan debt consolidation to pull your life back together.

Our company has been in business 23 years. In most cases if you make that mistake our consolidation program can get you out of debt in a shorter period of time. Our years of experience working with your creditors works in your favor. In most cases your creditors will reduce your interest rates for us down to 0%. Get your budget in order and don’t make the mistake of getting into Payday loan debt. If you do give us a call. We can help.