Natural Phone Cautions

We do much of our debt consultation business over the phone lines nationwide. We understand everyone's natural cautions to scams and fraud. We DO NOT ask for account numbers or SS numbers over the phone. These are only supplied in legal paperwork to the arbitration firm doing your work. Remember, legally anyone has to tell you if you are being recorded. The ONLY thing we ever record is any payment agreement, and this is done for your protection and the firm's protection, it is announced, and it is completed by a Quality Assurance Representative.

You can search me by name "Roger Foulks" on all the search engines and you will see that I am not hiding, and can be found! We post on many networks trying to find people who need help and every posting we do shows up in the search engines, so feel free to search away.

Roger Foulks, M.B.A.,Anna Maria, Florida,941-320-0818

ALWAYS check the Better Business Bureau File

Before you do business with any Debt Arbitration firm, you should always ask for and check their BBB file. We ALWAYS provide this to our clients, because our recommendation ALWAYS has a great BBB file. A great BBB file is one where only a small handful of complaints have been filed, and they are always show successful resolution. When a company serves 1000s of clients and has this kind of BBB file, you can be confident.

I have checked the BBB file on some companies mentioned by my potential clients and found hundreds of complaints. Don't know about you, but I would NEVER chance doing business with a company with that kind of BBB file.

Refinancing Your Mortgage is NOT debt elimination

What do I hear a lot? I'm going to refinance my mortgage and pay off my credit card debt, which will lower my payments. (Listening to a mortgage broker who is going to make a huge commission when you do this is dangerous!)



What you are really doing: Moving unsecured debt to secured debt-against your most important asset-your house. Now, if you can't make a payment, they can foreclose on the roof over your head.



You did NOT eliminate any debt, you have just restructured it and if you restructed it into a new 30-year mortgage, you will be paying off that same debt over the next 30 years. It might be at a lower interest rate, but you need to study your loan ammortization schedule and see what this new 30-year plan costs you. That mortgage broker may not be your friend - remember, his/her first interest is padding his/her pocket.



Your least cost option? Submit the debt to arbitration, eliminate it with no interest cost over the next 18-39 months.



Also, talk to us about how you can use a MMA to eliminate your mortgage in half the normal time.