Friday, December 21, 2018

Consumer Credit Counseling - Is It Worthwhile To Clean The Cluttered Credit Slate?

Consumer Credit Counseling - Is It Worthwhile To Clean The Cluttered Credit Slate?
It will be difficult to come across someone who does not have a debt. Loans, mortgages, and credit card balances have more or less become a way of life, especially for those who live life king-size. The record of debts and payment history has a huge impact on credit reports. However, people rarely worry about their credit report until they are buried under deep debt and it lowers their credit score. Low credit score will make it difficult for you to rent an apartment, obtain a loan or apply for a new credit card. This is the reason why it is essential to repair your credit score when you find yourself in a similar situation.

You can hire a company that offers credit repair counseling to help you improve your credit score. While many of you may have some inhibitions when it comes to credit counseling but to your advantage, there are a lot of benefits that a reputed credit repair company can provide. Read on to get know how a credit repair company can help you out in deleting bad credit history from your report.

Person Holding Debit Card

Find the Reputed Company

An essential point that you need to understand is that all counseling services are not inadequate. However, you need to know a few checkpoints before you make the final decision. A little bit of know-how on certain factors such as the market value, dependability factor, and performance of the company will enable you to spot reputed credit restoration services that will cater to all your requirements and preferences.

Post Finding the Correct Services

When you find a reliable and a legitimate credit counseling company your next step is only to follow the lead.

The companies offering credit restoration services make your life much easier as they take off the financial burden from your shoulders and help you fix bad credit rating. A lot of credit companies work with you in a way that you do not find it tough to pay off all your debts. They follow a strategy.

Since the credit counselors are excellent at negotiating, they speak to all your creditors and try to reduce the overall interest rates and monthly payments.

The companies also provide you tips on managing your credit and finance better which plays a major role in determining your credit score. Depending on the money you owe to the creditors and your income, they design a budget for you.

They also structure a credit plan for you to pay off your pending bills.

The credit repair specialists will not only help you in improving your credit score but will also guide you to maintain it in future.


If you pick suitable credit restoration services they would not leave any stone unturned to help you improve your credit score.

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The Inner Workings of Credit Repair

The Inner Workings of Credit Repair
Credit problems can affect anyone at any given time. Whether bad credit scores arise from a layoff, wrongful termination, new or old medical conditions that cause large bills to pile up, divorce, improper money management, or other reasons raising a credit score can be a daunting task for even the most dedicated individuals. Not only can credit problems affect your loan interest rates but it can also prevent a person from landing a job that also bases a person's character on their creditworthiness. When an individual finds himself or herself in this situation there are a couple potential solutions. One, to do the time-consuming research necessary to find the rules and regulations in order to fix your credit yourself, or two contacts a reputable credit repair company that has already undergone the training and acquired the skills to negotiate through the credit lines and repair them.
 Person Holding Black Card Holder

What Repairs Do:

The process is started by reviewing your credit history on your credit reports. Once a thorough assessment has been made, we can determine the best course of action in your individual circumstance. Credit repair is not for everyone, and not all negative items can be removed from a credit report. Some items on a credit report may require settlements with an agreement that the specified item is modified to a positive line on the credit report while others take less drastic measures and require only the removal of the negative items. Contacting a credit repair company is the first step in beginning the repairing your credit.

How It Works:

There are legitimate negative errors on your credit report. A professional that repairs credit can contact the companies and have these errors fixed.

Errors on the credit report that cannot be verified. If any specific item in the credit report cannot be verified from, a company closing or being bought out our specialists can fix these errors by having the credit bureaus contact the lenders. Once they receive no response from the original creditor, the items must be removed.

Lenders willing to work with companies. The company contacts the individual companies and negotiates a settlement with them in order to create a positive remark on the individual's credit score. Not all companies are willing to negotiate with many companies, so this route does not always work.

Do I need to have my bad credit repaired?

You should ask this question before beginning the process of removal of derogatory marks from your credit. While companies can help pretty much everyone with any type of credit repair it does cost money. If in your specific situation there are only one or two small problem lines which do not affect your credit score then companies are not of much use or if your payoff amounts for the negative lines are very small it may be easier and cheaper to just pay them off on your own. However, if you have a few or more lines with negative results or larger amounts owed which will require negotiation to lower the total cost to settle, it is in your best interest to contact a specialist today.

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Charged Off Debts and Debts in Collections - What Can Collectors Do To Me?

Charged Off Debts and Debts in Collections - What Can Collectors Do To Me?
Man Holding U.s Dollar Banknotes and Black Leather Bi-fold Wallet

You are behind on a credit card or other unsecured loan (a loan that does not have any collateral like a car, boat or house). And the first call from a debt collector has come into you. What is their next step? Can they put you in jail? Can they sue you? Can they threaten to call your boss and have you fired?

Since I had 12 credit cards and one personal loan in delinquent status back in 1998 and 1999, I know what you are going through. The fear of the unknown is probably very large for you right now. Get some peace of mind! I will explain what can and cannot happen to you.

1. You will not go to jail for not paying your loan.

The police will not show up at your door with handcuffs. We do not have debtor prison in the USA. In fact, it is a violation of the FDCPA (Fair Debt Collection Practices Act) for anyone to threaten you with arrest!

2. The debt generally does not get sold to a collection agency until you have been late for six months.

Your creditor is hoping to get payment from you. But after 180 days, he has to clean up his books. So he will transfer or sell your debt to a collection agency. This is called a charge off. This does not mean that your debt has been wiped out! It is an accounting term; your debt still remains.

3. You can control the collector's phone calls to you.

Collectors can only contact you during reasonable hours, which generally is 8am-9pm your time. If you do not want to be called anymore, either at work, at home, or both, you must get the mailing address of the collection agency and send a notice to stop calling, IN WRITING. Some collection employees are good about putting notes in your file to stop calling but many are not good about this. I recommend that you send this Certified with Proof of Mailing in case they continue to call you. That way you have proof to threaten them with legal action for violating the FDCPA.

4. You can control the collector's mailings to you.

Same as the phone calls. If you send them written notice to not contact you by mail, they must stop. Though they legally can send you two more notifications. One, they received your notice and will stop contact with you. Two, they are taking an action against you, such as a lawsuit. Everything else will stop.

5. They will contact your relatives, employer and possibly friends.

Generally only if they cannot find you. This is called skip tracing. Legally the collector can only discuss the debt with you so he will use phrases like "It is very important that I speak with ____" or "Please have ____ call me as soon as possible." They will try to get your phone number or address.

Your relatives and friends can tell the collector to stop calling them.

If your employer does not want you getting phone interruptions while on duty, the collector is supposed to stop calling. Which makes sense because the collector has zero chance of getting any money from you if you get fired!

6. The collector cannot threaten to sue you.

The key word here is "threaten". If the collector has started the legal paperwork to take you to court, then he can tell you that because it is a fact, not a threat. So if you receive this call or letter, take it very seriously.

7. If the collector wins in court, he will get a judgment against you.

The judgment is what allows a collector to legally garnish your wages, garnish your bank account, put a lien on your house, and even sell your car to collect the debt. He cannot garnish social security payments, retirement accounts, disability payments, etc.

A collector usually will not spend the money to take you to court if you have no assets that he can get to. This is called being judgment-proof. So if you are unemployed and have few assets, the judgment is all bark and no bite.

Hopefully, this relieves the fear of the unknown for you. So if a collector calls, do you want him to stop? Do you want to negotiate the debt with him? Do you see yourself as judgment-proof so the debt will never be collected? You now know what can and cannot happen to you if you do not settle or pay off your debt. Sleep peacefully tonight!

Would you like the six tools and strategies that I used to pay off ALL of my credit cards, car loan, and home mortgage? Without living on dog food? Then click here: Phil's Free Debt Resource Guide

Phil Danley is a certified life breakthrough coach, a speaker and is the creator of He and his wife paid off their credit cards and loans in 2012 and paid off their mortgage in 2014. Phil will help you to get out of debt too!

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The Four Major Advantages of Hiring a Top Credit Repair Company

The Four Major Advantages of Hiring a Top Credit Repair Company
Are you wondering about the best possible way to improve your credit score? Then it will certainly be wise for you to hire a credit repair company because the professionals of this company are highly experienced in improving the credit scores of their clients in the best possible way. Below, we discuss some of the major advantages that you will be able to experience when hiring a professional company to get credit repair services.
Two Person Shaking Each Others Hands

They are highly experienced
This is certainly one of the main reasons due to which most people, in the United States and abroad, consider hiring the company in order to improve their credit score. The professionals are well aware of the latest tricks, shortcuts and super-effective disputes to get the ultimate job done in an efficient way. The top companies have been fixing client's credit scores for quite a long time and thereby are experts in facing various challenges in the best possible way.
Will be able to save lots of your valuable time
This is also one of the major reasons due to which the services of a credit repair company are in great demand among the people who have a poor credit rating. The process to improve the score is certainly lengthy and thereby you will not be able to devote your valuable time in handling it. The professionals of a credit repair company are up to date on all policies, procedures and technology to ensure their clients succeed in achieving the ultimate goal, an improved credit score and accurate credit reports across the three major credit bureaus.
Will be able to save lots of your valuable money
If you choose to handle the process of fixing your credit all by yourself then you may need to hire a lawyer, which can certainly be expensive. A lower credit score means higher interest rates on a bank loan, mortgage, automotive loan, and a credit card. Higher interest rates mean higher payments, higher insurance premiums, which can cost you hundreds or thousands, even hundreds of thousands over the course of a loan. The faster you get help from a reputable credit repair company, the faster your credit score will improve and help to lower your interest rates. By getting the services of a professional company, it will be easier for you to fulfill your goal at an affordable cost.
The company has lots of resources
This is also a major benefit of hiring the best credit repair company in order to eliminate a poor credit score. These companies have lots of resources and they are able to handle the process of credit repair in the best possible way. Without proper resources, it can be difficult for an individual person to improve his credit score. It is not impossible for any individual to repair their own credit, however, top companies can use their skills, knowledge, and technology to go above and beyond the simple dispute process.
Shield Credit Repair goes the extra mile to assist our clients. We use state-of-the-art software to help our clients improve their credit score and quickly correct credit report discrepancies. By utilizing the resources we offer, 24/7 Credit monitoring will help you stay up to date on the changes to your credit report and score. You will understand how and why the items on your credit report affect your score and what you can do to improve it. Please visit Shield Credit Repair's Website for more information or to sign up.

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Wednesday, December 19, 2018

Understanding Your Credit Score Is Easy

Understanding Your Credit Score Is Easy

Good news! Understanding your credit score is fairly easy and you can use this knowledge to help repair your score and keep it healthy.

35 percent of your score is tied to your payment history. If you haven't had consistent payment history up until now, don't panic. Part of the repair process starts with reaching out to creditors and bureaus to get inaccurate, misleading, and outdated information off your report forever.

Woman Holding Card While Operating Silver Laptop

If your payments are not current, get current and stay current. Creditors will often work with you to create a payment plan so you can get up to date on payments. Making payments on time should be your number one priority. It's the easiest way to influence your credit score.

30 percent of your score is your credit utilization. Your credit utilization rate is extremely important, and you want it to be under 30 percent. What does that mean? Here's an example.

You have three credit cards. Each card has as a $1,000 limit. Factoring in no other open credit accounts you have $3,000 in credit available to you. $900 is 30 percent of your $3,000 available credit. At any given time you should not charge more than $900 in total to the three accounts combined.

Add up your credit accounts, then add how much you owe on those accounts. If it's over 30 percent pay down the balances as soon as you can. You will see an improvement in your credit score.

Bonus tip: Don't let your credit card balance carry over from month to month. If you can't afford to pay off a balance within a month, don't spend the money unless it's an absolute emergency. This will keep your credit utilization under 30 percent and immediately help your credit score.

15 percent of your score is the length of your credit history. How long have you been borrowing? If your credit history is well established you're considered less of a risk than someone who just started borrowing. You're more trustworthy if you've successfully shown you're able to pay back money you've borrowed

10 percent of your score is factored by new accounts and credit requests. A newer credit account is considered more of a risk than an older credit account because you haven't established payment history. The same applies for a new credit request. If you're requesting more credit, you need to borrow more cash over your monthly income - this tells creditors you're spending more than you're making.

10 percent of your score is your credit mix. Having a good mix of credit is a good way to build good credit. An auto loan, a mortgage and a credit card is a good credit mix.

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Managing Your Credit Scores In Your 20s

Managing Your Credit Scores In Your 20s

Black and Gray Laptop Computer With Turned-on Screen Beside Person Holding Red Smart Card in Selective-focus Photography
Age brings with it wisdom especially when it comes to making financial decisions. A 40-year-old may be aware of more of credit repair facts and myths as compared to a 20-year-old. However, there may be instances when people may be stuck with similar credit issues irrespective of their age.

To begin with, the key to improve your credit score is - a dynamic focus. You need to seek help from a proficient credit repair specialist and then prioritize certain things as you age in order to do away with the issues that come in your credit domain.

Group of People in a Meeting
Things to Consider in Your 20s to Improve Your Credit Score:

In your 20s, there are specific things that call for your attention, when it is about enriching your credit health.

Attend to the five Factors:

The first step to improve your credit score is to have a clear understanding of the rules. The actual status of your credit score is determined by five factors - debt utilization, payment history, new credit, credit length, and diversification. If you were unaware of the essential factors that have an impact on your credit score, you need to work on the strategies that will help you to take care of the five factors.

Repay your student loans:

As stated by The Institute for College Access and Success (TICAS), about 69 percent of the students left college with loans in 2013. The bottom line (which was $28,400) was actually a big burden for the salary of a fresher. You have a choice to stretch the loan for whatever time span you want to (years or even decades), but you also need to keep in mind the downside of the decision.

Adding on the interest will not only increase the principal amount and will also increase the life of the loan. This will increase the overall cost of the loan that you have taken. Paying off your loans at the earliest will lead to a lower credit utilization ratio, better and more opportunity to improve your credit, less stress on your budget, and last but not the least even more opportunities to save.

The final tip:

Credit score plays a vital role in every phase of your life whether you are in your early 20's or 50's and beyond. Analyze your credit score regularly to ensure that you maintain a positive credit and avoid any problems related to your financial plans.

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Student Loans and Credit Scores

Student Loans and Credit Scores
Banknote Lot

Discussing family accounts as a way to build credit, it was mentioned that people starting out will usually have student loans as their first credit account unless they obtain a car loan or credit cards tied to a family member with credit history. Student loans are a tricky area of installment credit history because they are not looked on as favorably as you would imagine.

You might think that having opened student loan accounts when you first went to college would show a history of the account, but in actuality, only when you start making your first payment will student loans count as "credit payment history." Most student loans are in a deferred status as long as you are in school. Once you are out of school, you have one to four months before the companies begin asking you to make monthly payments that pay down the principal and interest.

Yet, when you have student loans, you have an "amount owed." This amount owed can actually be reducing your credit scores. One the one hand, you feel that making payments should increase your scores, but then you get dinged for having a high amount owed.

So what can you reasonably do about student loan debt? Do you want to pay it off right away?

According to people like Stephen Snyder and Robert Kiyosaki, if you have student loan debt, you want to leave it as the last items you pay off. It comes down to an IRS strategy. The history of this strategy has existed since student loans became necessary for people to go to college. The minute the IRS allowed you to use your student loan interest paid as a deduction is when this strategy came into being.

How it Works

Each month you make a payment you pay interest and a little towards your principal when you are newly paying on the account.
When you file taxes, you are asked to enter the amount in student loan interest you paid.
The amount paid is a deduction.
During this same period, you are paying a little of the "amount owed," thus reducing your overall debt amount.
You are also making payments, and as long as they are on time and the full monthly amount, you are helping your scores.
When you get to a point in the loan, where you are barely making any interest payment at all towards the balance, pay off the debt.

Student loans, when you first start taking them out appear on your credit report, but without any payment history. It is just an open installment account. The lack of payment history does not help your score, nor does it hurt it. The debt utilization ratio, on the other hand, will hurt your score a little. It is due to having this debt that makes your score a little lower than if you had no debt at all.

If this is the only debt you have, then it is also considered "little to no debt," which also does not help when you are trying to get new loans to build your credit history.

When it comes time to make payments to the student loan companies as part of your installment agreement, you need to be on time and pay the monthly amount asked for. If possible, pay more than the monthly amount.

Paying interest helps lower your taxes owed. You want this deduction and payment history. The deduction may be the only thing you have helping you get a tax refund. The payment history is also helping you increase your score, as the balance goes down.

There will come a point when you are going to pay off the debt in full. Do this when the deduction on your taxes is no longer significant. The reduction of debt owed will also help at this point. The reason behind this key point lies in the other credit you have built. You should be in your 30s or 40s, with a mortgage, credit cards, and other credit that weighs more significantly on your ability to get credit. You no longer need the payment history from the student loans. In fact, given the amount of debt you might have at this point, you want to reduce the "amount owed" you have overall.

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A Good Credit Rating Means More Money in Your Pocket

A Good Credit Rating Means More Money in Your Pocket
Blue Master Card on Denim Pocket

If it was up to individuals to decide, many people would not take credit for any reason; be it personal or business. While the negative aspects of debt are mostly felt when the borrower is unable to pay, it is hardly a premeditated scenario. When a financial institution considers a borrower's credit rating to be good or at least decent, most credit facilities are willing to offer credit facilities. There is so much talk about what is a good credit score, and for most people, strategizing on how to attain it is a daily struggle.

A borrower may feel pressured to repay a credit facility and it may feel like they are denying themselves too much to appear good to the banks but it is all worth it. It might not appear like much of a benefit to oneself, but maintaining a good credit score is good for an individual, at least as far as future financial assistance is concerned. Is it possible to have more just because more effort has been placed to repay a loan, mortgage or credit card debt? The honest answer is YES! A pretty decent credit score is good, but getting a good rating is even better considering the many areas that stand to benefit;

Photograph of Person Holding Black Leather Wallet with Money

Favorable mortgage rate

Owing to the fact that mortgages are paid over a long period of time, a homeowner gets to spend less money on interest if they pay back to the facility within a shorter duration of time. The interest is paid even lower if the borrower's credit score is high. According to data made public by, a consumer with an average credit score of 760 or higher would get a mortgage at an interest rate of 3.74%, while another whose score is around 700 got the same facility at 3.96% interest. What is a good credit score? A cheaper mortgage!

Cheaper car loans

A car is a necessity and if there is a way to get it at a lesser value, then getting your credit score is one of them. On average, car loans are given within a vicinity of $26,000 and considering that the average car owner will pay this back within five years, then the interest rates definitely make a difference to the amount of money that is paid back. One can expect to save an average of $598 over the entire period with a good credit score. What is a good credit score if it cannot get you a car at a cheaper cost?

Credit card rewards

Plastic money has been gaining popularity over the last decade and while some people see it as a source of cheap credit, the amount of money spend on the card as interest depends on the average rating of the borrower. The best credit card for good credit offers an annual percentage rate as high as 17% or as low as 13%. The general assumption that lending institutions make is that a borrower with a good rating will clear their debt quickly and the balance at any given time is likely to be low. When marketing their credit card facility as the best credit card for good credit, some lenders will offer 0% interest on credit for the first year to potential customers who have a remarkable rating. This means that people whose credit score is considered poor or average will have to pay an interest rate in the first year of service. Other benefits that the best credit card for good credit owners stands to gain from maintaining good credit scores are free to air miles, loyalty points for using the card and cash back rewards.

Low interest on student loans

Some people are able to finance their own education from savings, sponsorships or even through programs like work-study. These facilities are not always available and the need to get funding from a credit institution may arise when the chance to go back to school presents itself. Loans given to finance education are issued on the basis of credit quality. The higher the credit, the less risky a loan is considered and to factor in this risk, lenders offer corresponding interest rates.

Business financing when needed

Starting a business definitely, costs money and for many entrepreneurs, the only obstacle between them and prosperity is a financial partner who believes in the validity of their business idea. A startup lacks any solid business credit history and lenders find it easier to consider the consumer score in assessing the credit risk. Maintaining a good credit score is therefore not only good for access to financing but qualifying for facilities with low-interest rates.

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Credit Repair & Banks at ODDS

Credit Repair & Banks at ODDS
A Little Background on Credit Repair Companies
Millions of consumers are denied credit based on false information stored in their credit reports. The issue is widespread - as many as one in five Americans have false data on their reports. This essentially translates to either you or someone in close proximity to you has already been affected by this.
Two Person Holding Credit Card Closeup Photo

Getting the credit bureaus to remove false information is time-consuming and requires a certain level of experience that most people lack. So, many turn to credit repair companies to do the work for them. Unfortunately, doing so isn't always a wise choice.

There are many reputable companies that provide good service at a reasonable price; however, many credit repair organizations break the rules. Seems rather ineffective considering you hired them to make your life easier, right?

Credit repair is a highly regulated activity - companies are required to provide accurate information about what they can achieve and they are not allowed to charge customers in advance. They can only receive payment after they have provided a service.

The Crackdown
Organizations such as the Consumer Financial Protection Bureau (CFPB) are very active in using credit repair firms that break the rules. Rest assured, the FTC regularly prosecutes the worst offenders.

Recently, the number of cases against credit repair organizations has dramatically increased - and most of these cases are the result of illegal upfront fees. Given that up-front payments are illegal, why have so many organizations take the risk?

The Freezing Point
Well, to understand the issue, we have to take a look at the way these companies get paid.

Most of these companies rely on electronic payments, either via the web or over the phone. To process these payments, they require the services of a bank authorized to deal with the credit associations (Visa, MasterCard and/or American Express). The credit repair company uses their approved "merchant accounts" to process the payments.

Recently, a number of banks and their agents have frozen "high risk" accounts - including credit repair organizations.

These banks include:

* BMO Harris Bank

* Chesapeake Bank

* Merrick Bank

* Wells Fargo Bank

* Esquire Bank

* Elavon

* Deutsche Bank AG

Other banks are likely to follow suit over the next few months.

Credit repair companies are considered high risk for a number of reasons. First, there is the general fallout from the misleading claims made by some of the firms. Although some companies are completely honest with their customers, the entire industry is damaged by the few who mislead them.

These false claims lead to customer complaints, chargebacks, and refund requests. All of which reflect badly on the banks and their agents. As if you needed to add insult to injury!

Another issue is the high charge-off rate in the credit repair industry. A charge-off occurs when a bank is unable to collect the fee from a customer. While credit repair companies tend to attract customers with a bad history of credit management; subsequently, the industry has a much higher than usual charge-off rate.

The combination of these factors makes credit repair agencies a bad risk for banks. As a result, several banks have closed their merchant accounts without notice. This also affects accounts opened through Independent Sales Organizations (ISOs), which provide merchant account services through the banks. ISOs essentially work as agents for the banks, selling their merchant services to new customers.

The Overall Effect on The Market
Each of these banks sponsors a large number of ISOs and MSPs (Member Service Providers - essentially the same as ISOs). Consequently, the impact on the credit repair industry has been catastrophic.

Having one's account frozen is a big deal - it means you can no longer take electronic payments, and your existing balance is held in escrow pending investigation. The investigation can take up to 270 days, which means the company's cash flow is effectively dead or frozen.

Not to mention, it's virtually impossible for a company to open a new account once the old one has been frozen. All companies depend on cash flow to keep their doors open and their staff paid. Very few credit repair firms are in a position to survive for 270 days without funds. Out of desperation, some firms have started (illegally) charging customers upfront. As they no longer have a merchant account, they rely on third-party payment gateways, such as PayPal. Of course, this is an extremely risky move and will no doubt lead to more lawsuits and prosecutions.

Looking forward, we can expect to see most credit repair agencies close their doors, as the cost of staying in business proves too high. The few who can weather the storm will emerge as the market leaders.

On the one hand, this is a good thing for consumers - companies with poor customer service and misleading information will be among the first casualties. At the same time, credit repair companies in good standing are also reeling from the blow, and some will no doubt falter and fail. Competition is healthy in any market. It keeps prices low and forces companies to provide a better service.

On the other hand, it may be consumers who ultimately pay the greatest price - a lack of competition will probably lead to higher prices across the industry and less comprehensive services may become the norm.

Credit repair services are valuable to customers who have been unfairly labeled as a credit risk. Today, the best course of action is to choose your credit repair organization carefully. The safest choice is a reputable company with a proven track record, without outrageous or illegal fees, and the resources required to stay in business. At the present time, consumers would be wise to steer clear of smaller firms who may not survive in the current climate.

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The Best Credit Counsellor and Escape From Debt

The Best Credit Counsellor and Escape From Debt
It's one of the worst afflictions when one is in debt and being chased by creditors. It's worse when one loses everything previously owned and often find they are homeless as a result. To see the repossession agents who pull up and strip their property away from them is one of the most horrendous of all feelings. They serve their summons to appear in court because their troubles are not yet over. So what do they do?

Believe it or not, this has happened to me. The difference is that I had the best credit counselor there is on my side who helped me escape from debt. That's why I have to tell you about it. You may not agree with me at first but at least think it over if you are in this type of trouble.

Following my reincarnation and with a link to the Spirit of the Universe it was with me all the time. In fact, it was responsible for the situation because that was part of its plan to break me away from the world. It had another purpose for me and all I had to do was respond.

Most would never give it a thought but this supreme intelligence is the Great Creator and it is in everyone and in all of space. In other words, it is God, the real one. It is within us as a little voice or our conscience, whatever you want to call it. Sometimes, however, its voice can be rather loud.
Several Euro Banknotes in Louis Vuitton Wallet

What it does is beyond human abilities or understanding because as it can speak to me it can also speak to everyone else. That's where the power plays its part to overcome debt or anything else that affects its people.

What is debt after all but the failure of money and the financial system to supply our needs? It is man's invention and it works against the Spirit. Men have made money their god and they worship it, hoard it, and destroy the earth to make themselves wealthy. It is the cause of evil and greed and because of it the planet is being murdered.

God knows how to manipulate it and make people pay who work against the Spirit. Those who think they are rich are the poor ones because the spiritual people are in possession of a great treasure. Theirs is an inheritance above everything man has ever dreamed possible. They receive instant healing of disease and other problems and peace beyond understanding.

To acquire it what they need to do is surrender their lives and hand over their debt and let the Spirit work it out. It can send people to you with cash to pay the bills, it can force the government to give you a home, it can provide clothing and other things that appear out of the blue as it were. All one needs to do is give it a chance.

Owing money is nothing to fret over and when you have the best counselor working for you then forget it. God works for everyone who is seeking truth and to serve the Spirit and not the false gods of religion. It is calling those who surrender their possessions and lean on it for their safety and salvation. Debt is one of those possessions you need to surrender.

The worst situation you can be in is one where you don't know the Spirit and cannot hear it speak to you inside. This happens when worry and trauma take over your life. When you are broken from the world and there is nowhere else to go that's when you can hear it the best. Give it time and all things come right and you won't believe how good you will feel.

Norma Holt identified the Spiritual Children, who are those whom God has selected to grow in spirit throughout the course of the day. They have been stolen by the work of 666 and believe in heaven and hell while ignoring their spiritual connection.

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