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The flipside of payday loan debt consolidation.

At times on this blog, I have lauded payday loan debt consolidation. There’s a reason for that. Quite simply it works. In most cases we are able to have your creditors reduce your interest rates down to 0% from the enormous rates that they initially charge you. Their rates can run from 200, all the way up to 700% per annum. That’s back-breaking. It puts many people in a loop where they cannot get out of debt, and instead they roll their existing loans into brand new payday loans. As good as our program is, and I think it’s the best one out there, some people have to go a different route, and to be fair I wanted to put it out there. People need choices. There is only one thing that would be a general impediment to our program working for you! That would be your inability to make what’s in most cases is interest-free payments on your outstanding payday loan. That would of exempt you from the payday loan debt consolidation process. In addition, if you’re not sure you can make the payments it’s probably best not to start consolidating your payday loan. The reason for this would be this would be money that you’ve put into a payment plan that you’re not able to complete. That is a waste of money. There is another way to go. These are things you need to talk to your counselor about, and remember, I’m not an attorney. I’m just laying out all the options that I can think of, as your counselor will do too. In some cases, in lieu of a payday loan debt consolidation you might want to consult with an attorney and consider a bankruptcy. You might very well be eligible especially with what’s going on in the world. There are many different types of bankruptcies including plans where you don’t have to pay back anything. It varies between situation.

A bankruptcy attorney would be the person to talk to about things like this. A bankruptcy attorney is limited in his fees. They are preset and consequently all simple bankruptcies pretty much cost the same. So here’s where you stand. If you can afford the monthly payments and you don’t have too much collateral outstanding debt where paying off these payday loans would make a huge difference in your overall Financial picture it might be time to talk to a lawyer. Our counselors are certified and able to give you their best opinion as to which way would be best for you. Take 10 minutes out of your day and give us a call. We will put you on the right path. That you can count on. We’ve been in business for 23 years and we have an A+ rating with the BBB. We help people. That’s our job.

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

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

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

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

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

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

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

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

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

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

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

Is it time to Consolidate My Payday Loans?

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

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

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

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

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

How many payday loans do you currently have?.. Have you tried Consolidation?

How many payday loans do you have? That might seem like a strange question but I have a good reason for asking. Payday loans were actually once a good thing. The initial modern day payday loan model was set up by lenders to help out the people who live week by week, when they ran short of cash. I don’t know where or when the model changed. The old model didn’t charge loan shark interest rates. They charged people a moderate about of money to get by until the weekend. People were willing to pay money for that privilege and that’s pretty much real life commerce. You pay for a service. Somewhere along the line the need for greed kicked in and payday lenders became the legal version of the mob. I’ve written articles about this before and if you go a few months back in the blog you can read them.

Did you know? 8 out of 10 payday loans roll over. That’s right. Only 20% of the payday loans that are taken out are paid back on time within the preset guidelines. This is exactly what the payday loan companies want and exactly how their business models have been set up. Repeat customers are their easiest customers to find. Given that 8 out of 10 payday loans are rolled over my question at the top of this post seems very real. It would stand to reason that when a person maxes out their ability to borrow from one lender because they’re busy paying off a loan that has already rolled over, they search for another company and fresh money. It’s an extremely vicious cycle. Eventually, the consumer doesn’t have the ability to pay all these loans back, and they have no alternative but to stop paying, at least on some of them.

That’s when the creditors go to work. There are very few people that walk the earth that have not been deeply in debt at one point in their life, myself included. I remember when I was first married with a baby on the way how short we were of money. I’ve received those phone calls. I remember them. The creditors were no kinder back then. They wanted their money. Collectors are a different breed. Some of them are like rabid animals. Notwithstanding all that, the bottom line is they want their money back and they’re entitled to it. How do consumers pay back loans when their interest rates are running as high as 700% annually? In many cases the answer is they are just not able to pay. At least not all the loans at once. That’s where we come in. We can help you if you let us. Here’s how it works. You fill out the short form on our homepage or just give us a call. We are open, 9 to 9 Monday through Thursday, and 9 to 6 on Fridays. Somebody will pick up the phone during those hours. You will speak to a certified counselor who has been well-schooled in how to handle your payday debt. You will be given the parameters and if you agree with them you will give us permission to help you out. The first thing we do is tell you exactly how, and how much we can reduce your monthly payments. Much of that reduction comes in the form of having your interest rates lowered to 0%, in most cases. That’s the place that the large monthly savings begins. We have pre-arranged agreements with your lenders that allows you to make your payment through us and save money. We have been in business for 23 years and that longevity along with our A+ BBB rating gives us the credibility to work with your lenders and help you. They know if we tell them that they’re going to get paid in most cases they will. You make your first payment. All the paperwork goes out to your creditors.

At this point the phone calls stop. As you go along and make your payments you’ll notice that the balances are dramatically dropping. This is what you want to see. The bottom line is that we can get you out of debt in a shorter amount of time that you could do so yourself and at a greatly reduced interest rate which helps to lower your monthly payments. Our country is getting closer to reopening. Payday loan consolidation companies are more essential now that they’ve been before. There are more people in debt now than there have ever been. Good payday loan consolidation companies do their job well and really can help you. What do you look for when trying to find good payday loan consolidation companies? You’re looking for longevity. Longevity equates to a good strong solid track record.That’s the type of payday loan consolidation company that you need when trying to dig out of this debt. You’ve come to this site for a reason. As we all start our new normal over the next few months it’s time for all of us to reassess our finances and use payday loan consolidation to get out of debt.

Your Payday Loan Creditors are starting to drool!

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

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

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

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

Coronavirus update! What’s coming around the curve? My take!

I’m not a doctor. I’m not a statistician. I’m not a left or right wing zealot filling the airwaves with a bunch of political propaganda. I can’t watch neither Fox News nor CNN anymore. Too much partisanship. Makes me want to throw up. Even as the curve approaches and the cases of coronavirus will slowly start to go down, this country is still in crisis. The economy is in the toilet. Forget about the markets. People that are buying now are buying on a hope. There’s plenty of volatility ahead. Our president wants to slowly reopen the country. I agree with him, as long as it’s done intelligently, and hand-in-hand with the medical community.

federal government

President Trump needs to allow plenty of medical input before he makes his final decisions. If this were to fade and come back the results would be both medically and financially catastrophic, and bordering on financial Armageddon.This has affected every single one of us financially, in every single way. No one has been spared. This virus knows nothing about location, race religion or socioeconomic status. As many acts of nature do, it’s hit already financially challenged communities the hardest. People will be going back to work slowly and hopefully the government will heavily rely on the new antigen tests to find the best candidates to head back into the workplace. Life as we know It will not be the same for the foreseeable future. Most of the time I like to stick to writing and speaking about things that I enjoy and that I fully understand. There will be no football season this year, nor will Baseball teams play. Hockey and Basketball will not finish their seasons. You’ve not heard that on the news but I am old enough and I’ve seen enough in my life and digested enough of the information that’s floating around to come to those conclusions and I’m going to tell you why. Let’s start with football. Today is April 10th. Football teams don’t report to training camp for another 3 months.

How do I make that statement today?

By the grace of the universe, and by listening to the wisdom of these fantastic doctors who are pulling the reigns in on our president, I have come to the following conclusions. Some of the hot spots in our country have hit the curve. That simply means that the new cases reported are flattening out and will eventually start moving down, and they’ll do that pretty soon. You can see it starting in New York. Hopefully by the time July comes around this virus will be less prevalent in most areas. So I pose this question: in an 80,000 seat football stadium what if 10 people are still carriers? They pass the disease on to 20 people, who will pass the disease on to 40 people, who will then pass it on to 80. And so on. That’s how it started originally. Within two weeks cases start popping up and they continue to pop up and increase over a wide swath of America. We’re back to square one or if we’re smart which we probably will be we would just chop it off at the knees. We cancel our sports season in this case football, and we wait till next year. It’s just not feasible to have that many people in a stadium with this thing still floating around. The players will get sick. Once again, it only takes one. There’s an unbelievable amount of close contact in a football game.

Protection, Prevention of Coronavirus Covid-19

Back to the fans.

Social distancing won’t work in a football stadium. Even if you leave four seats in between each person there is too much close contact at concession stands, bathrooms, and in other areas to keep it safe. The NFL will take Baseball’s route and just not start the season. They don’t want to end up like the NHL and the NBA with all that unfinished business. I mentioned Baseball because there has been some crazy talk about having the whole schedule played in Arizona. The Phoenix area is home to quite a few MLB spring training sites. Along with the Diamondbacks stadium and college stadiums MLB was proposing to play the games in empty stadiums with no fans at all. Interesting concept but they’re just too many people in the locker rooms and you can only lockdown grown men for so long before they want to go out even to get a Big Mac. these guys will miss their families cuz there are no home games. You have 30 baseball teams with 26 players on each roster and management staff. That’s almost 800 players before counting staff. There is no way to ensure safety with quarantine because it only takes one. Zach Britton, the great Yankee sinker baller said, and I paraphrase “there’s so many people that touch the ball. The umpire hands it to the catcher, the catcher throws to the third baseman, and the infielders toss it around before it gets to me. They need to make the game safe. I don’t want to take this home to my family” Zach was prescient in his thought. He said this before MLB canceled spring training and the beginning of their regular season schedule. The financial cost of losing these four major sports is probably incalculable right now. For the sake of this post, let’s say that it totally supersedes any one of the sports that it affects. it goes way beyond the sports all the way down to the guys that sweep the stairs in the stadiums.

And so it goes.

We will have no sports this year. Things will change and they will change just as soon as we all can be inoculated to protect us from the virus. If they could rush something through testing, we’re still looking at about a year from now minimum. This is just the way it is today. There’s nothing anybody can do about it but wait, and be careful. We need to follow the government’s stay-at-home recommendations because the statistics show that they are working. And, we need to wait this out. How does this affect you the consumer? How does this affect me who is most definitely a consumer also. Has anybody ever stopped and thought about how much it costs to go and watch any of the four major sports? And take your family with you. What does it cost a family of four to go to a football game? If there’s somebody reading this out there who’s feeling ambitious Google it! It ain’t cheap. There’s a silver lining here though. For those who can’t afford to take their families to these type of events right now there is a pretty cool alternative. Use a round number. Let’s say it takes $125 to take a family of four to a sporting event. That could dig into your budget whether you’re working or not. It’s too much money to spend especially in times like these, and all the major sports leagues are closed anyway.

Here’s my advice!

Take that money and multiply it by two. When things loosen up a bit drive down to the closest Best buy and pick up a 55 inch 4K smart television set for $500. That’s all they cost. The best seats in the House. Replay. Your own bathroom. The pause button. Food out of your own kitchen that’s not disgusting, and disgustingly overpriced. There can be a lot of advantages to staying home. The last thing you want to do is borrow money right now. Money comes at a premium and nobody knows who is going back to work and when. If you’ve borrowed money and you’ve had to borrow money from a place other than a conventional Bank you might be one of those people who have gotten stuck with payday loans. Yes, I used the word stuck. Stuck to the tune of somewhere between 200 and 700 percent annual interest. That’s what payday loans do for you and that’s what the lenders want them to do. They want to keep you in debt, forever paying enormous rates of interest.

How can you fix that?

How can you consolidate your payday loans? It’s not that difficult. To consolidate your payday loans you need a good company with a long track record in the business. You need a company whose worked with your creditors before and has a great reputation. You need a company that has a 23-year history of doing the right thing and retains its A+ rating with the BBB. So how do you consolidate your payday loans? You consolidate them with us. Federated Financial is the only choice to make when you are in Payday loan debt. Our program is geared to have your creditors reduce your interest rate, in most cases all the way down to 0%. This will get you out of debt sooner and for a whole lot less money then if you paid them off yourself. Get the payday loan monkey off your back and start getting out of debt today. Simply fill out the form on our homepage or give us a call. We’re here to help, and we do it well!

Attention Florida FPL customers!

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

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

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

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

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

Federated Financial an illustrated history of us!

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

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

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

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

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

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

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

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

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

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 SmackDown 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. AndradeDaniel 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 the 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 at 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!