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Instant Approval Home Loans

Instant Approval Home Loans Now Available Regardless of Credit History from Complete Home Loans.

Shoppers with good, bad, or no credit are now getting instant approval home loans from the trusted lending resource, Complete Home Loans.

Seattle, WA – September 03 – America’s favorite home lender is now offering instant approval home loans to shoppers, regardless of credit history. The online application form can be filled out in as little as 60-seconds and offers instant approval. – 60 second application form

Once the easy online application form has been submitted, Complete Home Loans matches the person’s financial information with a lender that can provide them with the loan they need.

Complete Home Loans encourages shoppers to get their credit score checked after they’ve applied for a home loan. Upon completing the online application the lending resource supplies loan shoppers with an easy to use credit score report through the top supplying resources in America. Home shoppers can take this information and improve their credit score which may have a drastic impact on their home finance rates (or approval).

About Complete Home Loans:
The home purchase, equity, and refinancing loan company services customers across America no matter their credit history. They specialize in matching people with good, bad, or no credit to lenders who may be able to qualify them for a home loan. Their network of lenders is the largest in the United States and offers low interest financing to home owners or shoppers.

People who’ve been turned down in the past are able to use their easy online application form to instantly get approved for a loan (no matter their credit history).
Contact Information
Keith Eneix
Complete Home Loans
+1 (360) 631-9441

Student Loan Debt Continues To Rise Faster Than Income

Freedom Financial Network Continues to Urge Consumers to Spend Conservatively

FFN Quarterly Comment: Debt continues to rise faster than income increases.

San Mateo, CA – September 11 – When it comes to the nation’s economic recovery, the summer of 2014 was hot, from real estate prices to auto sales to credit card debt, notes the Freedom Financial Network Quarterly Comment on consumer debt and credit issues.

Freedom Financial Network observes several economic indicators closely and provides consumer education in its work to help consumers get out of debt and stay out of debt.

“In the past quarter, consumers continued to respond to a healthier economy by dusting off credit cards and replacing vehicles,” said Kevin Gallegos, vice president of Phoenix operations for Freedom Financial Network (FFN). “This optimism is heartening, but we caution consumers to remember the lessons of the past economic downturn and prepare for the future. Fortunately, we’re seeing a hint of this caution as people saved a higher portion of their income this summer.”

In July, non-revolving consumer debt increased by more than 10 percent compared to this time last year. The increase was driven in part by motor vehicle sales that were more than 5 percent higher than last year and 10 percent higher in August than in July. Hand in hand with those sales are increases in auto loans with terms of six to seven years. Experian Automotive data show that nearly 25 percent of all new-car loans were for 73-84 months in the first quarter, up from just 10 percent four years ago.

“Those new vehicles on the road might be good for the U.S. economy, but consumers need to be cautious when evaluating whether a purchase – of a car, home, vacation, education or other goods – will be good for their personal economy,” added Andrew Housser, FFN co-founder and CEO. “We become concerned when we see debt increasing at a double-digit rate, while income increases at a tenth of that pace.”

Recent financial data as reported:

1.    Total consumer debt continues to skyrocket compared to past years. In July (the most recent data available), consumer credit rose by 9.75 percent, year over year. With the increase, total consumer debt (excluding mortgage debt) is projected at $3.238 trillion, which is $16 billion higher than the previous month. This makes 32 consecutive months of record highs.

2.    Revolving debt also climbing. In July, total consumer revolving debt, which includes credit card debt, rose 7.4 percent. The total amount of revolving debt held by U.S. consumers was $880.5 billion, or $5.3 billion higher than in June.

3.    Personal income rising, but slowly. In July (the most recent data available), personal income rose by $28.6 billion, or 0.2 percent. Disposable personal income rose $17.7 billion or 0.1 percent, the Bureau of Economic Analysis reports.

4.    Unemployment stays put. The U.S. Bureau of Labor Statistics reports the national unemployment rate was 6.1 percent in August, little changed in recent months.

5.    Consumer savings improved. In July, consumers saved 5.7 percent of their income, up from rates in the 3 percent range several months ago.

The FFN Quarterly Comment pulls together significant statistical releases and provides quarterly comment on timely debt and credit issues that matter to consumers. To schedule an interview with Kevin Gallegos or Andrew Housser, contact Aimee Bennett at 303-843-9840 or aimee(at)faganbusinesscommunications(dot)com.

Freedom Financial Network (
Freedom Financial Network, LLC (FFN), provides comprehensive consumer credit advocacy services. Through the FFN family of companies – Freedom Debt Relief, Freedom Tax Relief, ConsolidationPlus, FreedomPlus and – FFN works as an independent advocate to provide comprehensive financial solutions, including debt consolidation, debt resolution, debt settlement and tax resolution services for consumers struggling with debt. The company, which has resolved more than $3 billion in debt and assisted more than 265,000 clients since 2002, is an accredited member of the American Fair Credit Council, and a platinum member of the International Association of Professional Debt Arbitrators.

Based in San Mateo, Calif., FFN also operates an office in Tempe, Ariz. The company, with 650 employees, was voted one of the best places to work in the San Francisco Bay area in 2008, 2009, 2012, 2013 and 2014, and in the Phoenix area in 2008, 2009, 2010, 2012 and 2013. FFN’s founders are recipients of the Northern California Ernst & Young Entrepreneur of the Year Award.

Contact Information
Aimee Bennett
Freedom Financial Network, LLC
+1 303-843-9840

Bad Business Debt Timeline

C2C Resources Releases Bad Business Debt Timeline in Response to Business Summer Slump

Licensed commercial debt collection agency C2C Resources released a bad business debt timeline for companies struggling through the seasonal summer slump.

Atlanta, GA – September 10 – C2C Resources, a leader in commercial debt collection across the United States, released a bad business debt timeline today to assist companies who are struggling through the seasonal summer slump.

With employees often taking leave for family vacations, the summer months typically result in a delay in sales and productivity. Many businesses also feature season products and services such as pool supplies, AC repair and summer tourist town attractions. C2C Resources believes B2B and B2C companies of all sizes struggle from the summer slump.

“Unfortunately, while your business may have forecasted a decreased cash flow in the summer, there are other businesses that do not, and many could be your customers,” explained Todd Tinkler, President of C2C Resources. “The ripple effect can easily occur once this happens. To overcome it, stick to a schedule when invoicing customers and following up on past-due accounts.”

The company released the following timeline to help companies decrease bad business debt by establishing credit and accounts receivable policies.

Day 0: Send the invoice to the customer.

Day 15: For new customers or large invoices, place a pro-active call to confirm the customer has received the invoice. Always verify that the shipment was received and the order was correct. It is a good way to avoid a dispute later.

Day 35: Depending on the payment agreement, send a past-due reminder notice.

Day 45: Send a past-due follow up notice on smaller accounts and make initial past-due calls on larger accounts. If time permits on smaller accounts, a call is better than written communication at this stage.

Day 55: Move forward with the initial past due call or follow up call depending on the action taken on Day 45.

Day 65: Send a termination of credit notice or a 60-day demand notice to the delinquent customer.

Day 80: Call the client with a final demand for payment.

Day 90: Send a final demand notice.

“After 90 days you need to turn to a third-party agency for help,” said Tinkler. “Don’t risk losing the chance for payment. The longer you wait, the harder it will be.”

About C2C Resources:
C2C Resources is a global Commercial Debt Collection agency headquartered in Atlanta, Georgia. The company collects commercial debt on behalf of their over 25,000 clients and is considered one of the top agencies in the country. The executive team at C2C brings more than 60 years of experience helping businesses collect their accounts receivable.

C2Cs powerful combination of Profit Maximizer, InfoMax Collection System, and Legal Forwarding Edge, can help your company be more effective with your own in-house collecting and maximize recovery of accounts turned over for collection.

Contact Information
Trey Cefalu
C2C Resources LLC
+1 5046168434

Best State to Pay Back Student Loan

Utah is the Best State to Pay Back Student Loans, Maine is the Worst

A new study of student loan debt, job markets, earning potential and cost-of-living found that Utah is the best state for college graduates to repay student loans, while Maine is the worst.

Foster City, CA – September 15 – With growing job opportunities, strong scores in earning potential, and low cost-of-living rates, Utah tops the list as the best state for graduates to repay their student loans, according to the 2014 Best States to Repay Student Loans study. Maine ranked as the worst, based on high debt-to-income ratios, above-average percentage of residents with student loan debt, and a bottom five ranking for average income.

Utah ranked in the top 10 nationally in every category, including a No. 7 ranking for average income and No. 4 for debt-to-income ratio. Wyoming took the No. 2 spot thanks to low unemployment rates, lower than average student loan debt amounts and a No. 2 rank nationally in student debt-to-income ratio. Washington came in third due to its No. 1 ranking for annual income and top three score for student debt-to-income ratio.

“Although the average debt burden varies state-by-state, the national average amount of student loan debt is nearly $30,000 and college graduates are feeling the pressure of those loans,” says Michelle LaFrance, Web Producer of “The best states for repaying student loan debt relieve that pressure by offering college graduates opportunity in the form of growing job markets, competitive salaries and perceived impact of student debt: cost-of-living coupled with earning potential.”

Meanwhile in Maine, the combination of bottom three ranking nationally for student debt-to-income ratio, the second worst annual average income and average student loan debt near $30,000, resulted in the state’s ranking as the worst state for repaying student debt. Rhode Island is the second worst state due to its high cost-of-living and bottom five scores in annual average income and student debt-to-income ratios.

Iowa followed Rhode Island, ranking in the bottom five nationally for average annual income, student loan debt-to-income ratios, average student debt amounts and percentage of students with debt.

“Indeed, it remains a tough economy for many states,” notes LaFrance. “Students may need to consider relocating or broadening their job search to other areas for better employment opportunities that allow them to pay down their loans as quickly as possible.”

Here are the 10 best U.S. states to repay student loans in 2014, according to the Best States to Repay Student Loans study:

1. Utah
2. Wyoming
3. Washington
4. Nevada
5. Virginia
6. Tennessee
7. California
8. Colorado
9. Kansas
10. Texas

Here are the 10 worst U.S. states to repay student loans in 2014, according to Best States to Repay Student Loans study:

1. Maine
2. Rhode Island
3. Iowa
4. New Hampshire
5. New Jersey
6. Pennsylvania
7. Vermont
8. Mississippi
9. West Virginia
10. Montana

For additional details on this study, please see the articles on the Best States to Pay Back Student Loans and Worst States to Pay Back Student Loans for 2014.


This analysis of the Best and Worst States to Pay Back Student Loans is based on each state’s Economic and Arrears Factor, a proprietary metric developed by that considers the following:
Average salary, according to figures from the Bureau of Labor Statistics (BLS), 2013
Cost of living, based on data from C2ER, 2014
Unemployment rate, based on figures from the BLS, June 2014
State-level student debt statistics, based on figures from the Project on Student Debt, 2012
Student debt-to-income ratio, based on data from the BLS and the Project on Student Debt, 2012
Likelihood of having debt, based on figures from the Project on Student Debt, 2012
Student default rate by state, based on data from the Department of Education, 2013 is a resource for the career-minded student. With industry leading information on education and career opportunities in the U.S. and Canada, provides students and prospective students with the right information to help them advance their education and career. Featuring in-depth information on popular degrees and certifications, careers and industries, and college and education news, the site is a higher education resource for the career-seekers and career-changers. is owned and operated by QuinStreet, Inc. (NASDAQ: QNST), one of the largest Interneuuwt marketing and media companies in the world. QuinStreet is committed to providing consumers and businesses with the information they need to research, find and select the products, services and brands that meet their needs. The company is a leader in visitor friendly marketing practices. For more information, please visit

Contact Information
Erin Ellis
QuinStreet, Inc.
+1 (650) 578-7822

New Standard for Debt Negotiation

S&N Debt Solutions Sets New Standard for Debt Negotiation

S&N’s Settlement Program Negotiates Credit Card Debt Promptly

Beverly, MA – September 26 – Settling credit card debt is as much a science as it is an art. And, part of S&N Debt Solutions’ new settlement program is to work in a collaborative way with both the creditor and clients to resolve account balances quickly and fairly. S&N sees this as a win-win situation for everyone involved.

Shannon MacLean, Vice President of S&N Debt Solutions emphasizes the critical role that a well trained and experienced debt negotiator plays when dealing with negotiating lower payoffs with various credit card companies. S&N makes a difference in the way account negotiations are handled from beginning to end.

Shannon MacLean remarked, “It’s unfortunate that people have been financially affected by the loss of their jobs and cost of living increases. Once they get behind on their bills, they often spiral out of control. However, when you look at the other side of the coin, the credit card company extended credit privileges to our clients; therefore, our debt negotiators are responsible for presenting the customer’s financial hardship so the creditor may consider settling the account for less than the balance that is owed.”

S&N Debt Solutions’debt negotiation program is also resolute about establishing as prompt a settlement and payoff schedule as possible. Shannon MacLean explained it this way, “Knowing that time is also money, we want our negotiation department to respect not only our client’s needs but also the needs of their creditors. We strive to communicate clearly with each creditor when our customer will have sufficient funds to resolve their account balance. Communicating our client’s program status is important to the settlement process.”

S&N’s new approach is now yielding positive results as S&N Debt Solutions gains a reputation for having the most reliable and trustworthy negotiators in the industry, even encouraging creditors to be more willing to settle debt when negotiators identify themselves as S&N personnel. Shannon MacLean notes, “Our negotiators need to fill dual roles for our clients and that requires a high degree of professionalism, expertise, and experience. The S&N Debt Solutions’negotiation philosophy is simple: treat creditors the way we treat clients, with respect and honesty.”

The bottom line is that S&N clients refer family and friends because negotiating and settling debt the right way can only be done by knowledgeable experts.

About S&N Debt Solutions:
S&N Debt Solutions is one of the leading unsecured and credit card debt settlement companies in America. Since its inception, S&N has focused on providing its clients with an unparalleled program that allows individuals to pay-off unsecured and credit card balances for negotiated amounts, frequently 50% less than what they owe.

S&N offers a sound alternative to bankruptcy, debt consolidation and consumer credit counseling by providing programs and services that are both professional and compassionate.

About Liberty Publishing:
Liberty Publishing has been providing cutting-edge content to financial institutions, financial advisors, CPAs, insurance professionals, real estate agents, and fee-only financial planners for over three decades. Our financial, economic, and tax content has become the standard by which all others are judged.

Liberty takes all personalized communications from the drawing board through the final production process. The customer-focused teams assembled at Liberty represent a diverse group of professionals who offer the best of experience from their fields.

Written by:
M. Jeffrey Rosen, CLU, ChFC
Liberty Publishing, Inc.
800-722-7270 Ext 122

Contact Information
M. Jeffrey Rosen, CLU, ChFC
Liberty Publishing, Inc.
+1 (800) 722-7270 Ext: 122

More Approved for No Credit Check Auto Loans

134 More Bad Credit Auto Shoppers were Approved for No Credit Check Auto Loans in the Month of August

Complete Auto Loans, the trusted auto lending network is proud to announce 134 more applicants were approved for their loan last month.

Seattle, WA – September 05 – August was a great month for shoppers to get a loan. 134 more shoppers were approved to get no credit check auto loans in August with instant approval. The online lending resource makes getting an auto loan up to $35,000 easy with their online application process. – Get approved for a car loan in as little as 60 seconds.

Using the online application form is easy and takes as little as 60-seconds. Once the application is filled out, Complete Auto Loans matches the applicant with a local area lender that can provide the best loan possible.

As an extra service, Complete Auto Loans also provides a complimentary online credit score tool which has helped drivers save thousands of dollars. Upon completing the easy online car loan application, applicants are given the opportunity to save thousands of dollars on their loan. For more information, visit Complete Auto Loans website.

About Complete Auto Loans
Complete Auto Loans is a Seattle-based company that is dedicated to helping their customers acquire national car financing. They design and develop customized no credit financing, bad and good credit loans. Voted the best for “Quality Customer Service” and “Best National Service” by thousands of people, their finance experts focus on providing their customers with the following: information and tools available for different loan offers, how to choose the best loan that fits their budget, as well as related eligibility guidelines.

Contact Information
Keith Eneix
Complete Auto Loans
+1 360-631-9441

Struggling To Repay Student Debt?

Struggling To Repay Student Debts? Has Answers helps residents of New Mexico by reviewing the top two student debt relief companies in the area.

Santa Fe, NM – September 06 – New Mexico has something no other state can claim – the most PhDs per capita. This is due to the many government and private research facilities scattered throughout the state. New Mexico is also famous for having given birth to one of America’s most popular conspiracy theories. It began in 1947 when an unidentified flying object (UFO) crashed near the town of Roswell. Our government claims it was the remnants of a weather balloon but conspiracy theorists say it was a flying saucer that contained alien life and that the government created a gigantic cover up to hide the true facts.

Whether this was a flying saucer or not is still debatable. But what isn’t debatable is that student debt has become a serious problem. Two years ago, the average student loan balance for all age groups was $24,301 and it’s likely gotten even worse since then. And about one-quarter of borrowers owe more than $28,000. However, New Mexico students have done much better as they graduate owing just$17,994, which makes the state second best in the nation.

Another fact that isn’t debatable is the cost of going to college today. For example, it now costs $18,473 for a resident to attend the University of New Mexico for a year. A year at New Mexico State University costs a resident a bit less at $17,947 but a year at a private school such as St. John’s costs an amazing $58,831. recently undertook a study of debt relief companies available to those New Mexicans having a problem with their student debts. What it found is that the top two options are – SoFi (Social Finance Inc.) and National Debt Relief. used three criteria in evaluating student debt relief providers. They were how it charges for its services, the services it offers and company history.

“We concluded that National Debt Relief is the best option because it was tops in all these criteria,” said spokesman Michael Smith. “The way it charges its customers is totally performance driven and can offer its customers a variety of student debt repayment options. Plus, National Debt Relief has constantly maintained an A rating with the Better Business Bureau, which speaks well of its history.” ranked SoFi second to National Debt Relief because it provides only student loans and student debt consolidation. Also, SoFi is more of a social community than a debt relief provider. It has 550 member colleges and universities and provides loans only to students at those schools and their alumni. These loans are provided peer-to-peer meaning that the lenders are the alumni of these schools. However, as noted by its loans have introductory rates starting at just 0.99%. In addition, SoFi offers payment deferment in the event a customer becomes unemployed and will even help him or her find a new job.

National Debt Relief operates in an entirely different manner, as it does not provide loans. “It is a true debt relief provider,” noted Smith, “as it will analyze a client’s financial situation and federal student loan portfolio and then attempt to find a repayment program with better terms and a lower monthly payment than what she or he currently has. If it is unable to find a better program, it charges the client nothing.”

“We offer a number of options for student loan repayment from the Department of Education.” Said National Debt Relief’s Paul Ritz.” This allows us to provide a client with the one that’s best suited to him or her given their financial circumstances. If appropriate, we can also help a customer consolidate his or her student debts with a federal Direct Consolidation loan.”

New Mexico residents struggling with student loans that would like to know more about National Debt Relief and SoFi should go to the site

Contact Information
Jimmy Saver
Best Debt Consolidation Loans
+1 (877) 869-5111