Help For Flood Victims

Completely FREE!!! Flood Victims' Credit and Lending Triage

This offer is for everyone in Helene and Milton’s path: Florida, Georgia, Tennessee, and North Carolina. I hate high-interest lenders with a white-hot passion and am prepared to hit the square in the nose with the FDCPA.

Completely FREE!!! 2024 Flood Victims' Credit and Lending Triage

The misery has just begun for people financially living week to week before Hurricanes Helene and Milton.

High-interest lenders stop at nothing to collect on their loans. They operate in the grey; their tactics are menacing and barely legal.

My unique skill set will help people rebuild their lives and put themselves first.

To do that I will not require any of their personal information. Credit, Credit Scoring, and Debt Collection are about an oddly specific set of rules. To succeed, you must find out what the rules are and follow them.

Stop, take a deep breath, and realize that the high-interest loans you had before the Hurricanes can be dealt with after your life has stabilized. I can help anyone in this situation find relief using the Fair Debt Collection Practices Act (FDCPA), the main federal law governing debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you. It is called a cease and desist all collection activities letter.

What the Process Will look Like

I cannot stress how important this is. Losing everything is bad enough, but losing everything and facing constant financial bullying is unnecessary and avoidable. 

  • I need your name, phone number, and email address to start the process.
  • Call me, and I will prepare them for the creditor call. I will prepare you for two possible scenarios: either the creditor will be receptive and follow federal law, or the creditor will get aggressive and try to berate, scare, or intimidate them into continuing to make payments. Either way, in the end, they will have to follow Federal Law.
  • You will end the call with me, call your creditor, verify your identity as usual, and then bring me in on a three-way call. This way safeguards your personal information while you get the help needed from me.
  • Once on the call, I will get all the information I need to fax and mail the cease and desist letter to the creditor, as Federal Law requires. While on the call, the creditor takes notes. In those notes, I want the creditor to know that you understand what your rights are, and you can either settle the debt at some point or file for Chapter 7. That lets them know you aren’t going to be easy to bully.
  • Doing this only stops the harassment. We still need to deal with stopping auto drafts and how to avoid garnishment or bank account levies.
  • I will lay out the steps to get back on track. This might involve settling the debts after they are charged off or filing for bankruptcy. Either way, I will give you a free membership to my credit education platform.

Speaking and teaching about financial and credit literacy brings me great joy. Please invite me to your church, office, or organization. I will talk for 30 minutes and answer questions for up to 2 hours. Or I can email you a pre-recorded Zoom call. Contact me today!

Questions? Let Me Help!

Set up a callback. I will tell you how long I think it will take to solve your score related issue.