This Debt Relief Program was created out of the need to better service the needs of American families in regards to their debt service, bill management, mortgage refinance and long term retirement security needs. Clearly the greater portion of the American public is deeply in debt and need a solution for handling the crisis. We have a solution unlike any other to meet the challenge. Until now the options available have been limited to debt consolidators, negotiators or bankruptcy. It is a known fact that debt is a major source of stress in our lives. We have searched to find the best methods and mathematical software formulas which could help families get out of debt and stay out. The Debt Relief Program works with EquitySmart and its alliance partners who have successfully implemented the synergy of powerful strategies and created awesome results through innovative technology and the strength of the entities working as one. Our teams of alliance partners are excited about this new paradigm shift within the financial services industry and our partners are as follows: EquitySmart, Inc., MoneyPark, Inc., PrimeLending, Inc., Metavante Corporation and M&I Bank. There are a number of ways that we can find techniques where we will save you money to achieve lasting debt relief. One thing you should realize is that a bank is in business to make money. They have ways to get more money with various loan strategies. The average American has little or no idea about this, and those that do seldom do anything about it. There is a certain type of distraction that is used regularly in the financial services industry. For example, they will advertise that they will give you a 6% loan if you refinance your house with them. You go for it and congratulate yourself for being on the ball. You think you are saving yourself some money. But here is the distraction. And, actually most people are aware of this, but they don't question it. Your very first mortgage payment which is, let's say $1500, for example, with a 30 year loan, will be approximately divided out this way.... $120 will go toward principal, and the rest, $1380, will go to interest. So where is the 6% interest? That is 92% interest, folks!! It takes about 21 years before your monthly payment of $1500 is divided equally where $750 will go to principal, and $750 to interest. Finally by 29 years out of 30 you are actually paying the 6% interest. The banks have us "buffaloed". You do not have a 6% loan. You pay about 2 times the principal in interest. That is the bank’s profit – the interest. Whatever they advertise is the worst for you and the best for them. Let’s look at some other distractions that lenders use. One way you can pay down your principal faster by making extra payments. There are a lot of programs that are advertised in the media which promote this idea. They can cause you to take off 5 or 7 years, even more, on a 30 year loan. Sometimes you can take off 20 years leaving only 10 years to make payments but this requires help from a professional. Even though you can do certain techniques yourself, most people do not have the discipline to follow very strict procedures week after week, month after month, year after year. That is why these companies are successfully getting clients. When you read these methods, ask yourself, why does this save me money – what is the principle behind it – is there something I am missing? How can I bypass the bank’s methodology? The Method is to save money, and pay down the principal faster, and include other debts, too. In all cases this method is better than trying to do it yourself. Accurate Credit Equity Pay-Down Program
Automated, Computer assisted Method We have a bonded TPA (Third Party Administrator) that can analyze anyone’s debt portfolio at no charge or obligation to let them know how the program works, how much they can save, and how fast they can pay off all their debts. The potential client can then decide if they wish to become involved in the rapid pay-off program which usually involves no out-of-pocket expense. So for example, if you were paying $1500 every month on that mortgage and also $600 every month on credit cards and car loans or other consumer debts, you could lump them all together, and have them analyzed by the TPA. Your net result would be a payment plan for all these debts under one plan. You would still pay $2100 per month as before, but now, instead of being in debt for 30 years, you would be paid off fully after approximately 10 years. This would save you hundreds of thousands of dollars in interest and unscheduled principal payments. For it to work the TPA would make the payments for you throughout the month, and year after year at the best time to get the most credit – it would be on autopilot so you don’t have to think about it anymore. Since the TPA is a ACH (Automated Clearing House) your payment is immediately credited. And in effect you are having your creditors make payments FOR YOU. | Before | After | Savings | Monthly Payment | $2100 | $2100 | | Interest to be Paid | $213,664 | $92,008 | $121,656 | Principal payments | | | $209,776 | Total Savings | | | $331,431 | Time in Debt | 28y 2m | 9y 5m | 18y 7m |
The ACR Ebook is available to help you
with debt relief. |
