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.

55 New Clients Save $3.3 Million

55 of my new clients served in 2007 collectively are saving over $3.3 million by being a part of the Shepley Law program. This savings comes from breaking the habit of paying off their credit card and other secured debt with minimum monthly payments which can take 15 to 25 years depending on interest rates.

With Shepley Law arbitrating the client's debt, and the arbitrated amount being paid off with no interest or penalties added, my average client will save over $60,000 each, reduce their debt to income ratio substantially, and significantly improve their credit score in 18 to 39 months.

Reduce Your Debt to Income Ratio to Improve Your Credit Score

Your Debt to Income Ratio is your total debt divided by your income. If your total debt is $40,000 and your income is $40,000, your debt to income ratio is 100%, meaning it takes a full year's worth of income to pay off your debt.

If you have a mortgage of $120,000, you have added 3 more years of income or 300% to the ratio.

Most people do not realize that your debt to income ratio has a heavy effect on your credit score, even more than on-time payments. Paying off debts has a very positive effect on your credit score.

Clients in our program are getting completely out of their unsecured debt load in 18-39 months and seeing much higher credit scores as a result. Get on our MMA Mortgage Reduction program as well, and see your score go much higher in just a few years. The mortgage reduction program can been seen at: http://www.u1stfinancial.net/achieveunlimited

Why is this the case? Logically, if someone has debt which will take years to repay, they are at much higher risk of a negative life event: loss of job, disability, etc., and a higher credit risk.

Need credit counseling? Don't make hasty choice by "The Motley Fool"

This is the text of an article from "The Motley Fool":

Question: Should I use consumer credit counseling organizations (CCC) to help me get out of debt? Do they have any drawbacks?

Answer: Be careful with such outfits. Using them can do serious harm to your credit rating. If your credit report reflects that you've sought professional help, it can decrease your credit score significantly--sometimes as much as a bankruptcy can. Worse, while you proceed to dig your way out of debt (and sometimes for years afterward), many mortgage lenders won't consider you for a loan.

Roger's comments: CCC companies were started and supported by the credit card companies. They will show on your credit report as "third party payers." You will be paying interest. Most times, you cannot buy a car either.

The program we recommend is debt negotiation. You have the federal right to arbitrate your debts, which our law firm exercises for you. It does not show as a third-party payer, because you are actually paying from your own escrow account. You will pay no interest.

Debt Negotiation and 0% Interest

We are a "qualification office" located in Bradenton, Manatee County, Florida, working with a law firm that has negotiated debt with the major credit card companies and banks nationwide since 1995, with a spotless Better Business Bureau file (no consumer complaints).
The law firm contracts to reduce a client's total debt by 35% and while in the debt negotiation and reduction program, the client pays no interest.

Example: $10,000 in unsecured debt will be reduced to $6,500 and with no interest, the client can become debt free in 36 months for $185.00 per month. A set-up fee of $399.00 is the only additional fee.

If a consumer is trying to retire a $10,000 debt on their own by making minimum payments to the credit card companies, he or she will make payments for 17-20 years, depending on interest rate, and pay approximately three times the debt amount, or $30,000.

Therefore in this example, we will save the client approximately $23,000 versus making minimum payments