payday loan consolidation company

Home/Tag: payday loan consolidation company

Doesn’t tragedy always bring out the best in people? Not always, read on!

As of May 20th Americans have been scammed out of 35 million dollars based on the Coronavirus. Here are some of the ways that people will steal your money if you let them:

medical scams today

1) Beware of products that claim to prevent the disease. There have been many reports of medical scams. Understand that as of right now there are no vaccines, pills, potions, lotions, lozenges or any prescription drug out there that is able to prevent and or cure Coronavirus. Red flag alert! Avoid any website, email or text that claims to have a product that can immunize you or cure you of this disease. Be careful. There’s more reason than one, to be wary of these type sites. When you click an attachment you might be downloading malware on whatever device you’re using. There’s malware out there that can steal your logins. Your bank account data and passwords. If there was a cure out there or even a preventative drug, rest assured that the government would be out there telling the world. This is an election year and if it’s promising you will know about it.

phone scams today

2) Be very careful about anything that you answer. Answering a phishing text or email in many cases puts you on a scammer’s list. These scammers share information about people Two weeks later they’ll try again, and again until they hit your hot button. There are plenty of investment scams going around right now. High return, or guaranteed return promises are all bunch of lies. Investing is gambling. Gambling with knowledge but gambling none the less. There’s no place on this planet to put your money except into something that is guaranteed safe and or FDIC backed. Remember, I said guaranteed safe, not guaranteed. No investment is guaranteed. That is end of story. Remember, if it sounds too good to be true it always is. If you’re not sure, contact consumer affairs in your area and ask them. They will help you. If you are desperate for cash at this time and happened to take out a payday loan we can help you with that. We offer our clients real PDL consolidation. Yes, real PDL consolidation as opposed to many of the scams out there promising to consolidate your debt and having absolutely no ability to do so. We are 23 years old with an A+ BBB rating. We get the job done properly. In most cases we can have your interest rates reduced down to 0% getting you out of debt a lot sooner than you could do yourself, especially at the 200 – 700% APR that your payday lenders are charging you right now. Real PDL consolidation works. If you need us you’re on the right site. Call us or fill out our form and we’ll get right back to you.

amazon echo tracking you

3) Data is the biggest business in the world. That has nothing to do with the Coronavirus. It’s been this way for a while now and people are getting used to it. Amazon, eBay, Facebook, your cellular carrier. They they’ve all been caught tracking you and your spending habits. What makes it so egregious is these large companies that are collecting your data are turning around and selling this data to third parties that their algorithms think you might purchase something from. They’re not breaking the law. Read one of those 3 page agreement you sign when you join one of these sites. read what you are allowing them to do and then decide if you want to use their services. I would guess for some of these companies collecting your data, their data selling business might very well rival the profits of the actual products they sell. Any unsolicited emails, or texts should be immediately deleted. Give zero thought to opening them. This is not like PayPal’s money back guarantee. If you lose your money to a scam you will never see it again. If you call the FTC, they will take your information and perhaps even say thank you. That’s all they’re going to give you. Stay away from anything you’re not sure of. Very important! Make sure all your software is up-to-date on all of your computers. This virtually assures that all security protocol is up-to-date too which will protect you from people that are trying to steal. This goes from mobile devices also. I’m sure you’ve noticed that both IOS and Android rollout monthly updates that are dedicated to security. Take advantage of what they give you. It’s a gift and it’s very protective.

Here’s the thing. In times like this where you might be heavily invested and losing money, or just out of work, you’re starting to feel pressure on many levels. People want to believe there’s a silver lining. A rainbow or a pot of gold. Not so. My point is that sometimes when we’re under financial pressure we can just make poor choices. That doesn’t have anything to do with intelligence or savvy. It’s simply fear-driven but you can get hurt. Stay mindful and be aware of your finances at all times. It wouldn’t hurt to change all of your sensitive passwords every week or two. I do it. Don’t use your son or daughter’s name and their birthdate. Pick a random sequence of numbers letters caps and lowercase, as well as symbols. I’ll use as many as any particular website will let me use if I consider it sensitive information. That’s how to put these people out of business. I’d also like to reiterate to you that if you have outstanding payday loans which are especially a product of the times right now we can help you. We’re exceptionally good at what we do. We can consolidate your payday loans for you and put you in a real PDL consolidation program. Your creditors will work with us and in most cases they will reduce your interest rate. Consolidating your payday loans has never been more important than it is right now. It saves you money! If your interest rate is reduced down to 0% you could literally save thousands of dollars a year. A real PDL consolidation program can help you. Our longevity and our reputation precede us and  we are the best at what we do.

Let’s get REAL…PDL CONSOLIDATION is the only way to go during this pandemic!

Why do I say this, and why do I say it the way I do? Two words, it’s true! Two more words, we’re real! That’s true too! We have been in business for 23 + years, with an A+ BBB rating. We can consolidate your payday loans and in most cases have your creditors reduce your rates down to 0%. Those payday lenders who are gouging you with interest, in most cases will reduce your interest rate down to 0% for us. Given the state of the economy, many people are very likely in the rollover mode. Just rolling one into another, paying enormous fees, and up to 700% APR. We can help. We can help starting today. Just fill out our 30 second form or give us a call. Why do I say real? Unfortunately there are many bad actors out there. They promise you everything under the sun and a lot of times they disappear. And they disappear with your money. In troubled times there are always predators who are skilled at taking advantage of a bad situation. Everything I buy, is always bought from a business that has an established track record of success. You don’t stick around in this business for 23 years unless you’re good. When I use the term, Real PDL Consolidation, I don’t use it lightly. We are the real deal. We know what we’re doing and most importantly we have experience working with your creditors. That way we can almost assure your lower interest rates. We know that desperate times call for desperate measures and many people have needed to take out a payday loan just to cover the cost of life’s essentials. Food, shelter, electricity and healthcare. I’m positive that a PDL was not anybody’s first choice. Nonetheless, if you are on this site I suppose PDL’S were the only choice you had and during these times everybody has to make sacrifices. you made the sacrifice and hopefully things are turning around now. Hopefully you’ve gone back to work and you are once again able to take care of your bills like you always have before. I know the creditors have gone back to work. I’m sure you’re receiving dunning calls from your payday loan lenders. Real PDL Consolidation, done by an old established consolidation company is the answer in this particular situation. There’s no other way. Make today the first day of the rest of your life. Give us a call or fill out our form. We have qualified, and certified PDL consolidation counselors at the ready waiting to help you. Consolidate PDL’S today! You will be glad you did.

Who is Federated Financial? Are we a real PDL consolidation company?

Who is Federated Financial? Federated Financial is a real PDL consolidation company. It has been in business for 23 years. We have been a leader in the credit card and PDL consolidation business for a long time. As one of the grandfather companies of this business we have created protocol and procedure with your creditors to ensure that our program works for you. When it comes to your credit cards we can work with your lenders to have your interest rates reduced, in most cases between 30 and 50% and get you out of debt in a much shorter period of time. When it comes to Real PDL Consolidation we are absolutely the best. I’m using the term Real Payday Loan Consolidation because as I searched the categories I found that there are a lot of bad actors in the game. It’s pretty easy to spot them.

federated financial

They’ve not been in business for many years. They don’t use the BBB as a criteria and consequently they use Trustpilot which is an “I’ll pay for ranking” company that is very new and probably very much under investigation. The next time you see a trust pilot ranking on any page for any company in any business, delve a bit deeper and find  their BBB rating. You’ll be surprised how low it more than likely is. So from now on I’m going to call us a real PDL Consolidation Company and a Real CC Consolidation Company. CC standing for credit cards of course. In most cases, our payday loan consolidation program can reduce your interest rates down to 0% and consequently get you out of debt and it’s shorter and less expensive period of time. These are very uncertain times we live in and when we purchase a financial product we really need to make sure it’s the best. 23 years in business and an A+ rating with the Better Business Bureau says we are the best and consequently further shows that we are a Real PDL Consolidation company and a Real Consolidation Company too. If you want to work with the best give us a call. If you’d prefer, fill out our secure, 30-second form and somebody will get back to you ASAP! It always pays to deal with the best when needing the best service! We are the best. We provide the best service and most importantly we treat our clients like family. We care!

Why consolidate my payday loans when one loan at the bank can do it all at once?

That’s a question we get asked from time to time. The answer is pretty black and white. Yes it’s true your payday loan it’s costing you a fortune in interest. And yes, a bank loan could probably be had, if your credit was up for it, for a whole lot less interest. Here’s the thing. Why take out one loan to pay off another? You’re not making money on any loan you take and you’d be losing money both ways. In addition it’s another absolute obligation and given the circumstances that we’re all in today, our ability to pay back a loan can sometimes be a coin flip based on employment circumstances. We don’t know what tomorrow will bring. Here’s the reason to consolidate your payday loan. It boils down to simple math. Do you want to pay interest or would you like to pay off that payday loan interest-free without taking another loan? The answer is as plain as day. Consolidating payday loans is what we do. We’ve been doing it for 23 years and  are rated A+ by the Better Business Bureau. Our A+ rating suggests that what we do works. In most cases we can bring your interest rate down anywhere between 200 to 700% points annually. all the way down to 0%!!!! How does that work? Because of our longevity in the business we have good working relationships with most of your creditors. In most cases they’re willing to reduce your interest rate down to 0% on your payday loan consolidation. They want their money back and if they can’t make the interest at least they receive the amount of their initial loan. We have many many years of experience and we’re very good at what we do. So, that brings up the question why take out one loan to pay off another? To me there seems like there’s no reason at all. Payday loan consolidation works and we are here to consolidate  payday loans. It’s what we do. Take a moment. Change your financial future. Give us a call. We’re open Monday through Friday. Or in the alternative fill out our 30 second form at the top of our page and one of our certified counselors will get back to you as soon as possible. There are many companies out there bragging about what they can do. The first question I ask anybody before I do business, is how long have you been in business? You see where I’m going with this. Check out this link. I’m proud to show it to you. It shows you that we have the longevity that I speak of. Look at our incorporation date. We are in our 23rd year of existence. I only know of one other company in this industry that can say that. Deal with the oldest, deal with the most experienced, and deal with the best payday loan consolidation company out there.

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!

The most important thing to do if your payday lender sues you!

People get sued everyday. Civil lawsuits that usually have to do with debt. Banks suing credit card customers. Automobile lenders filing suit after repossessing a car to recover their damages. Landlord tenant disputes. I could go on all day. What do you do when you get sued by a Payday lender? Well I know what a lot of people do. The reason I know is because we hear these stories every day from our clients. Most people ignore these lawsuits. They don’t show up in court. Their lender ends up winning a default judgement and the plaintiff  also ends up receiving everything they asked for in their suit.

They can even ask for things that aren’t completely honest and true because not showing up allows the creditor to tell the judge whatever story they choose to tell. Don’t believe for one moment that lawyers don’t lie. In most cases the judge will grant all that’s asked for because there’s nobody representing you and disputing the information from the creditor. In addition, many Judges feel that by not showing up you are disrespecting the court. They stamp these things and then creditors can start looking for, and in some cases garnishing your money and taking your things dependent upon where you live and what the laws are. So here’s the thing. It’s okay to lose a lawsuit. It’s not a death sentence. BUT, sometimes the plaintiff doesn’t have A GOOD CLAIM  to begin with, but you didn’t show up to defend yourself and you lose by default. Here’s what I mean. Payday loan lenders assume that you won’t show up.

payday loan debt consolidation

Sometimes, they include language in their contracts that’s in direct contravention to the laws of your state. They include language that would make the contract null and void if only you were there to defend. So many people lose in court because they don’t take the time and spend a few dollars to defend themselves. Many times defense doesn’t pay off, but when it does pay it pays off big time. The whole moral of this story? You get sued get a lawyer. I know lawyers are expensive. Many lawyers will provide you with free consultations and if not perhaps it’ll cost you $200 for an hour to have a lawyer read a contract. That’s all you need. For starters anyway. You might be surprised to find that there is language in your contract that turns that contract into a nullity. Another words you win. If you do lose you do have an out.

Federated Financial is one of the oldest payday loan consolidation companies in the country. We’ve been in business for 23 years. We are rated A+ by the BBB. When searching for payday loan consolidation companies you need to look for longevity. Longevity is the key when dealing with a company like ours. it proves that are successful and we’ve lasted for a long time. In addition, we have long-term lasting relationships with your creditors. Your creditors know who we are and know our reputation and they trust us when we tell them that we’re working with you and that you are going to pay. In most cases these creditors will reduce your interest rate down to 0%. That alone makes your payment way more affordable and gets you out of debt in a much shorter amount of time. There are many companies that consolidate payday loans. I know you want to work with the one that can help you the most. Call us Monday through Friday during normal business hours or simply go to our quick 30 second form on our home page and fill it out. Hit submit and you’ll be called back within the hour. Payday loan consolidation works. We’ve proven that. If you can’t win in court we will help you win anyway. In most cases you can take that to the bank. Remember! Never let a creditor obtain a default judgement against you. It would be a shame to lose when victory would come easily.

Are payday loan companies a new version of organized crime?

Are payday loan companies a new version of the mob? I’ll let you, the reader decide after digesting this post. If you follow this blog you know that 12 million Americans will take a payday loan this year. This is a fact. The question is how are they being asked to pay it back? In a perfect world you would pay your payday loan back according to all the terms including the time frame that was mutually agreed upon by you and the creditor. Unfortunately for the consumer, the enormous interest rate charged by these companies makes it almost impossible to repay the loan that you’ve taken the way it’s supposed to be paid back. What do you do when you don’t have the money to pay back your loan?

Most people call the creditor and try to make arrangements. There are still people that don’t call the creditor and try to dodge the debt. Unfortunately that’s not possible. We have been told by many borrowers that payday loan companies are like pit bulls when it comes to Payday Loan collection. That’s true of many companies in many industries. They want their money back. From what we’ve been told, there are parts of rural America where laws seem to mean nothing. On September 20th 1977, then President Jimmy Carter signed the fair debt collection act into law. This law was written to protect consumers from unscrupulous collectors. Unfortunately, All creditors do not abide by this Federal Law.

Sources tell us that there are many payday loan companies in rural America still knocking on people’s doors asking for money. That there are still people calling and threatening to put borrowers in jail for not paying their loans back on time… There are creditors in the payday loan business that are threatening to take benefits like Social Security from debtors, garnishing these Federal benefits and putting these people in dire Financial circumstances. People need to know what this law is and how it protects them https://ballotpedia.org/Fair_Debt_Collection_Practices_Act

The bottom line is this. You can’t be threatened with many of the things that you are being threatened with. Click on the link above and read the law. Strong-armed mob techniques that went out of style in the 1950s and the 1960s cannot be brought back to collect on payday loans that are delinquent because of the exorbitant interest rates being charged. When you’re in this situation payday loan consolidation can help.

Take a moment and watch our videos. Most of your questions will be answered, and the answer will be in language you will understand. Visit our Question and Answer videos by clicking this link. In the mean time listed below is our Federated Financial Introduction video.

Payday Loan Consolidation Company - Federated Financial - Introduction to payday loan consolidation
Once you’re ready to eliminate your payday loans, Give us a call or fill out the form. More than likely we can fix the problem that you’re having. Payday loan consolidation absolutely works!