6574 North State Road 7 #137 Coconut Creek, FL 33073
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10 Jun 2020
payday loan consolidators

How many reputable payday loan consolidation companies are out there?

Not many. I know that because so many of them you see online have just sprung up over the last couple of years. Federated Financial, which is multifaceted and a One-Stop shop, works with payday loans, credit cards, and medical bills. It takes many years to build a payday loan consolidation company into a trustworthy and well-respected agency. The best payday loan consolidation companies are able to deal directly with your creditors. These lenders know Federated Financial very well. When we tell them that you are working with us they know that in most cases they will get paid. That makes a difference to you. The dunning calls usually stop, and in most cases, we can reduce your interest rate all the way down to 0%.

Remember, that’s down from anywhere between 200% to 700% annually. That’s right. Your payday lender is charging you enormous amounts of interest annually. The rate reduction is important. It lowers your balance and consequently lowers your monthly payment. In addition, the best payday loan consolidation companies are more than one-trick ponies. As I mentioned up top we can consolidate just about anything.

Companies like ours who work with banks have specific code numbers that were assigned to us over 20 years ago. They don’t assign these codes anymore and consequently, new companies do not have them. Unless you’ve been in this business for a minimum of 20 years, you don’t have a code. The banks do not give them out anymore. Consequently, agencies without codes cannot reduce your interest rates for credit card debt. There are two more very important things you need to know when it comes to choosing the best payday loan consolidation companies. Most important is how they rate with the BBB. We are rated A-plus. That’s not a coincidence.

You need to know if the company that you’re working with has longevity. The longer your agency has been operating the more credibility it has with the lenders. We have been in business for 23 years. Go to the top of our page and fill out our quick form, or give us a call during business hours. We are here to help you and we will. We treat our clients like family. That’s because we care.

24 May 2020
real pdl consolidation

Why are payday loan companies important?

I know that’s a crazy question to ask given that you’re on this site looking for real Payday loan consolidation. Payday loans are the reason you’re here and they’re probably a major thorn in your financial side, so to speak. I believe that payday loan companies can serve a purpose in our economy for many people that live paycheck-to-paycheck. As we come out of our homes, and slowly go back to work there will eventually be paychecks rolling in. We’re not quite there yet but in most States it’s going to happen soon. President Trump has stated that he will not be sending any more stimulus checks out in the near future. I actually understand that because printing money that we can’t back up devalues the dollar. We don’t want to do that because it will destroy the economy. My guess is you’ve spent stimulus money on bills that are essential and many people are finding it tough to make ends meet.

Now that’s where a payday loan company comes in. Payday loans can be a short-term play for people whose credit is not good enough for a bank loan. In those circumstances it’s a perfect solution. Remember one thing. You are paying anywhere between two hundred and 400% annually for this loan. Pay it back in two or three months and it worked out well for you and didn’t cost you much money. It was there for an emergency, and that’s what you used it for. Pay it off quickly and you’re fine. There are many who are reading this article, who are not able to pay it off quickly. That’s where the usurious rates that PDL companies charge become unaffordable. When that happens the best thing to do is ask for help. Federated Financial is a twenty-three-year-old institution, that is rated A+ by the BBB. Very important. The longevity factor is key in getting your interest rate reduced and in most cases reduced down to 0%. That allows you the opportunity to make smaller payments over shorter period of time. Our longevity factor has given us time to build strong relationships with your creditors. These lenders know us and trust us to make sure your payments get to them on time. Our BBB rating says it all. We are trustworthy. It also says that we are good at what we do. We’re proud of that. We are truly a real PDL consolidation company. We do what we say, which is something that many of the bad actors out there do not do. We can help you. We are one of the real PDL consolidation companies. I say real as opposed to fake because this company has been around for many many years. If you need help please use our number at the top of our homepage or fill out our short form and one of our certified counselors will get back to you as soon as possible. You’re in debt, and Federated Financial can help you. We treat you like family and we care!

29 Apr 2020
best debt consolidation company

Let’s talk about payday loan consolidation companies!

We receive questions through emails and telephones daily. I’m going to go over a few of them today.

*Who is the best payday loan consolidation company?

The answer is pretty obvious. Federated Financial is the best payday loan consolidation company. You might ask why? 23 years of experience, and an A+ rating with the BBB virtually assures creditor compliance with our request to help you consolidate your payday loans.

*Do payday loan consolidation companies work?

Of course they do. I know that they work because Federated Financial has been here for many many years and helped hundreds of thousands of people consolidate their payday loans. Creditors respect longevity in a payday loan consolidation company. In most cases they would be willing to reduce your interest rates down to 0% lowering your monthly payment and getting you out of payday loan debt in a quicker amount of time.

*Can I get a loan to pay off my payday loans?

People need a good score to qualify for a personal loan that’s not collateralized. This is why people use payday loan companies. It’s also why people come to us to consolidate their payday loans. Payday loan consolidation is a viable option to taking out a loan. Why take out one loan to pay off another? payday loan consolidation companies help you get out of debt by having your creditors lower your interest rates dad to 0% in most cases. Another loan will cost you interest!

21 Apr 2020
payday loan consolidation company

The two big Northeast power blackouts, the consequences, and suggestions for the blackout we are going through right now!

In the summer of 1977 New York City went dark. Yeah, I’m showing My age again. It was a hot summer day and the power went out. This wasn’t the first time this happened. It happened in 1965. It encompassed the entire Northeast coast. It was in November and it was so widespread that people thought the absolute worst had happened. This had never happened before. The connection is that 9 months after these two blackouts occurred there was a baby boom. People found something to do in the dark and it wasn’t watching The Tonight Show. I’m not suggesting we all go and make babies during the coronavirus outbreak, but I am suggesting that there are ways to enjoy life during an emergency. Yesterday, I blogged about the best streaming shows to watch over the next few weeks. My opinions but, what the hell? Everybody’s got them and this is my forum to give them. The other thing I thought about this morning was music can make the soul sing. It puts a smile on your face. It can make you happy… Listening to an old song can make you forget about today and bring you back to yesterday even if it’s just for three short minutes. All those memories! So, I put together a song list of the HAPPIEST songs from each decade, 60s through 2010s. I don’t remember the 50s because I was too young.. the sixties, I remember a lot! Given that most of us have personal assistants all we have to do is say “hey Google”, play ___________________ , and it does. I’m going top 40 here. Consequently, we’re not going to do anything classic. No Beatles no Stones, and no Who… I’m going to leave stuff like that for another day. We’re going happy and poppy. Songs with lyrics that rhyme and put a smile on your face while you’re singing along! Here we go!

1960s

Happy Together, The Turtles, yep, The Turtles! If you’re old like me you remember. You also remember the words.
Imagine me and you, I do I think about you day and night, it’s only right, think about the girl you love and hold her tight, so happy together! Everytime I hear that song it puts a smile on my face! (1967)
https://youtu.be/9ZEURntrQOg

Walk Like a Man, The Four Seasons, it’s hard to get that song out of your head once you hear it.

Oh, how you tried to cut me down to size by telling dirty lies to my friends, but my own father, said give her up, don’t bother, the world isn’t coming to an end!

Every time I hear that song on an oldies station I sing along. It’s catchy, it brings me back to when I was a kid, and it makes me smile (1963)          https://youtu.be/AF4KQbiBrKU


I’ve got to do one more from the 60s. It might be the happiest 60s song of all.
Good Morning Starshine, Oliver,Technically, this was a song from the Broadway show Hair. It was released in 1969 by an English singer who went by his first name only. The words are infectious.

Good Morning starshine the Earth says hello you twinkle above us, we twinkle below Good Morning starshine you lead us along. My love and me as we sing our early morning singing song…(Oliver 1969)

You’ve gotta have a listen…. It will absolutely make you smile https://youtu.be/whmzEXywq40

Now, off to the 70s.. By the way, I could do 60s all day. There are just so many. I picked the first two that came into my head and then I thought of Starshine.. just had to put it in there!

You are the Sunshine of My Life, Stevie Wonder, The thing that makes this song so great is that it stands the test of time. There are very few people that don’t know this song!

You are the Sunshine of my life. That’s why I’ll always be around. You are the apple of my eye. Forever you’ll stay in my heart. (Stevie Wonder 1972) What a great song! Sing along song that always makes me smile. He is so good! https://youtu.be/gZXjFV8nT4E

John Denver, Thank God I’m A Country Boy,Well life on the farm is kinda laid back Ain’t much an old country boy like me can’t hack, it’s early to rise, early in the sack thank God I’m a country boy!!! (John Denver 1975) https://youtu.be/QRuCPS_-_IA

Vahevala, Loggins & Messina. Just a ton of fun. Awesome to listen to awesome to sing! Just so happens it’s one of my top 10 favorite songs of all time. Have a listen!  https://youtu.be/FfV38NOkSHQ

I’m thinking about what I was a sailor, spent my time on the open seas. When we’d stay off the coast of Jamaica, I secretly steal ashore, the natives were waiting for, the boy with the lazy soul. To sing with the Sailor….. This wasn’t a super main street hit but hot damn it is fun. Combination of Rock and Reggae, steel drums and all!.. (Kenny loggins, Jim Messina 1971)
The 1980s, again please remember all these opinions are mine based on what I like and the amount of years that I’ve been on this planet to get to know all of this music. The 1980s was a fun time. I think the best movie comedies ever made were made during the 80s. Anybody remember the name John Hughes? The 1980s was also the decade of some really spectacular music. I’m not talking about that electronic crap either. When anybody asks me to name the best ballad of all time I tell them I can’t because they’re two of them. Paul McCartney wrote a little song back in the 60s called Here There and Everywhere.  https://youtu.be/iELGhAGwBdc

It’s a Beatles song and it’s absolutely beautiful. If you know music and can read music you probably understand this song is extremely unique in it’s structure. 

We’re talking 80s here, and the second song, neither of the two are in any particular order, is  Eternal Flame. It’s a song by The Bangle’s Susanna Hoffs.  (Written by Susanna Hoffs, Billy Steinberg, and Tom Kelly. (1989)
Close your eyes give me your hand, darling do you feel my heart beating do you understand? Do you feel the same am I only dreaming or is this burning an eternal flame?…. Simple lyric, gorgeous melody, beautiful harmony.. https://youtu.be/F9N5R0_wo_Y

Girls Just Want to Have Fun – I come home in the morning light my mother says when you gonna live your life right? Oh Mama dear, we’re not the fortunate ones and girls, they want to have fun!
That’s just one of those songs that make you want to dance! Great memory from the 80s. That’s what it always makes me smile (Cyndi Lauper 1983) https://youtu.be/PIb6AZdTr-A

Take My Breath Away, Berlin – Great song and widely recognized, given that it won both the Golden Globe and the Academy Award for best original song in 1986. Written by Giorgio Moroder, it was one of the big hits to come out of the movie Top Gun…

Watching every motion in my foolish lovers game on this endless ocean finally lovers know no shame.. https://youtu.be/Bx51eegLTY8

I really loved the music of the 80s. I could do 10 more songs from the 80s and 9 of them would be Kenny Loggins movie theme songs. Footloose, I’m All right, Meet Me Halfway and of course Danger Zone from Top Gun. There are plenty more. Perhaps we can do that in our next musical Post.
Into the 90s.. in 1997  Tom Hanks made a small film called That Thing You Do….the film shared its name with the title song and it’s another song with an infectious melody and a really slick lyric…… You, doing that Thing You Do, breaking my heart into a million pieces like you always do! (Adam Schlesinger 1996) another song that’s a whole lot of fun and a great listen, so listen here. https://youtu.be/fzllVlzzeuo

Killing Me Softly, Fugees… The great Roberta Flack’s calling card reimagined  with a reggae and kind of hip hop beat… Strumming my pain with his fingers singing my life with his words, killing me softly with his song killing Me Softly with his song. If you’ve never heard this version you’re gonna to love it… https://youtu.be/H-RBJNqdnoM

I Don’t Want to Miss a Thing, Aerosmith….. From the movie Armageddon!
I could stay awake just to hear you breathing, watch you smile while you are sleeping while you’re far away and dreaming (Aerosmith 1998)I really love this song! https://youtu.be/JkK8g6FMEXE

The 2000s

Poker Face, Lady Gaga. Her first big hit of many….. I want to hold em like they do in Texas, please. Fold em hit me raise a baby stay with me!   (Lady Gaga, 2008) https://youtu.be/40pTk7HMYFw;

 Lady Marmalade, Christina Aguilera, Pink, Maya and Lil Kim. Who cares about the lyric. I don’t speak French and it’s kind of meaningless to me but for some reason this song makes me feel great anyhow. It’s a remake. Patti LaBelle did it in 1975. (2001) https://youtu.be/RQa7SvVCdZk 

Katy Perry, I Kissed a Girl….. I kissed a girl      and I liked it, the taste of her cherry chapstick. I hope my boyfriend don’t mind it it felt so wrong it felt so right! (Katy Perry 2008). https://youtu.be/WR3dBmGEUi4 ;

2010’s

Adele, Someone Like You…. I heard that you’ve settled down that you found a girl and you’re married now, I heard that your dreams came true. (Adele, Dan Wilson 2011) https://youtu.be/hLQl3WQQoQ0 ;                                              

Old Town Road, Little Nas X…… I love this song. It’s a feel-good song. Play it once and it sticks in your head all day!     Yeah oh, I’m going to take my horse to the Old Town road I’m going to ride till I can’t ride no more! (Little Nas X, 2019)  https://youtu.be/amhC8WYgNA4

Shallow, Lady Gaga and Bradley Cooper… Just couldn’t leave it out. Really popular song and really well done. From the remake of the movie A Star is Born.. tell me something girl, are you happy in this modern world? What do you need more? Is there something else you’re searching for? (Lady Gaga, 2018) https://youtu.be/O8z7q4uPL60

So there you have it. Six decades of feel good music. Watch the videos. Enjoy and to quote a line from a favorite movie of mine that was called What About Bob?, Take a vacation from your problems! In these troubled times we all have them. I assume that’s why you’re on this site. We can help you. Feel good about that. We can help you! The country is starting to reopen and people are going back to work. The good people and the pain in the ass payday loan lenders. They’re ready to get their money back. Hopefully you’ve paid them but whether you have or you haven’t we have a solution for you. If you’ve paid them my solution is remember what you’re reading here just in case. If you need to pay them you need a grate payday loan debt consolidator.

Why? Some people will always ask that one word why? Simple answer. Accompany that is a good payday loan consolidator can work with your creditor to reduce the interest on your loan, or loads from close to 700% in some cases all the way down to 0% in most cases. A good payday loan consolidator has worked with your creditors for a long time. In our case 23 years and counting. A good payday load consolidator has credibility and respect. We’ve earned that, and it shows in our A+ BBB rating. We here at Federated Financial take pride in what we do, and take pride in being the best payday loan consolidation company out there. We are the people you want to consolidate your payday loans. Not only are we the best, but we care.

14 Apr 2020

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.

12 Mar 2020
payday loan consolidation

How to Financially Prepare for the End of Times.

I’ve written about this before and given that coronavirus is all we hear about all day long in every type of media, it’s probably time we discuss how to prepare for it intelligently and with forethought.

I say intelligently and with forethought because panic mode usually gets us nowhere but in trouble. The most important thing to do is to make sure we have the staples…  The things we need to wait this thing out and be safe while we’re doing it. Monthly bills are monthly bills but there could come a time and it probably would be a short time when we might not be able to leave our homes. Experts have suggested that we should have enough food to last us and our families for a month. I don’t know if that’s too long but it’s better to be a tiny bit over-prepared then way underprepared.This is a time to be prudent. Many people are going to be short of cash because they’re not working and we should be concentrating on the essentials. Thank goodness this is not a weather event so thinking about a loss of power it not an issue. If it comes in a can, or if it’s vacuum packed or if it’s frozen it’s good. What I mean by that is to concentrate on non-perishables. Fruits and vegetables that are fresh are always the best but we’ve got to make the best of the worst time.

The are things that we can’t do. I have a list. The first thing on my list is no bottled water. It’s expensive and we’ll be spending money on a month’s worth of groceries and probably using a charge card or a payday loan. There’s nothing wrong with tap water. We’ve been drinking it for years. We bathe in it we shower in it and we make our coffee with it. I’m  not paying $2 for a bottle of water. Too much money and eventually we get the bill. The next thing thing  that isn’t essential are snacks. I’ve written about this before but it’s even more applicable in this instance. If snacks are important buy cereal. I’m serious. A healthy cereal. Not fruit loops. Whole grains that are filled with fiber which will make you feel full. Soft drinks are a waste of money. I would buy a couple of cases of Gatorade just in case one of the members of my family got sick and that would be that.  Pharmaceuticals that are over the counter. I’m talking about Robitussin, Tylenol for fever and decongestants for coughs. Make sure you have a thermometer in your house.

That’s essential. Hand sanitizers are not essential. Having three or four bottles in the house is plenty. The experts tell us that soap and water is way more effective than the sanitizers. It’s also a lot less expensive. In addition the use of antibacterial soap for this virus is a myth. Plain old everyday soap breaks down the virus and essentially kills it. There’s no need to spend money on products with fancy names. Disinfectants are important. Clorox, Lysol. Before you buy any disinfectant go to the CDC site and make sure the product you’re about to buy is approved to kill the coronavirus. Anything that’s not necessary does not need to be bought. The debt you ring up today has got to be paid tomorrow. If payday loans are your choice of extra cash through circumstance, you’re on the right website. Federated Financial’s payday loan debt consolidation program has been helping people for 23 years all over the United States. When we take payday loans we know we’re paying somewhere between 100% and 700% annually. Those pay back payments add up real quickly so let’s spend the money that we’re going to pay back on things that are important. If you get in too deep with  payday loan debt, our a+ rating combined with our long-term financial relations with your creditors.will get you out of debt efficiently by lowering your interest rate to 0% in most cases. Payday loan debt consolidation works. This crisis will be over and at that point in time all goes back to normal.

The creditors want their money back and if you’re in a Payday loan situation with a payday loan problem let us do your payday loan consolidation for you.