DebtSmart.com readers, Jen Johnson and Jessica
Simpson, tell their stories on TV! They were interviewed, with me, on
News12 NJ by Tom Layson. See photos and watch the video here.
2)
Phase #1 of phone service is complete! I've
found a great service for low-rate, prepaid calling. Read about it in
this issue!
3)
In my January
12, 2005 video/letter from the publisher I mentioned that a collection
agency was attempting to collect money from me for a debt that I did not owe.
I disputed the debt and they replied with, "...the account has been
closed and credit bureaus have been notified to delete the account."
This was truly an attempt to steal money from me by creating a bogus
collection item. You must dispute everything!
Calling banks for my 82-year-old mother
by Scott Bilker
Scott,
I help my 82-year-old mother pay many of her credit card bills. She's scared
to call the credit card companies and I don't want to be added as an authorized
user or they will show up on my credit report. Is there a service that she can
give a power of attorney to that will call the credit card companies on her
behalf? Currently, she is NOT past due on any credit cards--but that will change
if we can't reduce these interest rates. Thanks!
How to save money on your phone service within minutes!
by Scott Bilker
I always use everything I recommend to make sure that it's good! Ready for
this...their claims are 100% true! Great service! Great price! I signed up for
$25 and got the free minutes. So the total time I received was 1,578 minutes!
That's 1.58 cents per minute!
The online reporting was instant and accurate! This is all I'm going to be
using for a while. If you let them know what numbers you're calling from, and call
their local access number, you get the lowest rate and you only have to enter
the PIN to make the call. It's easy to use, cheap as can be, clean connection,
organized online, and simple. Works just like you would want and expect!
My phone service is getting me for 10 cents per minute for in-state calling
and 7 cents per minute for long distance! What a rip! I can't believe I've been
overlooking this big potential savings. I'm going to easily cut my phone bill by
two-thirds! I figure that I'll save $1,000 per year with this new service.
* A Smart way to carry cash
* No credit Check
* Add funds at over 46,000 Agent locations nationwide.
* Enroll Today: Click Here or call 1-866-813-4052
No credit checks, No lengthy application and no
bank account needed.
Ideal for on line or off line shopping. Plus, it's a prepaid card.
Which means the ultimate in budget control is yours.
Mary Jane borrowed $9,200 to buy a used car. She
made equal monthly payments for 3 years and that paid off the loan in full.
After that time she added up how much she paid in total to the loan. She was
surprised to find that 14.81% of the total amount she paid back over the course
of 3 years were interest charges for the loan! What was Mary Jane's APR for this
loan?
Featured Credit Cards Can Save You Money Now!
by Scott Bilker
Your
best defense against any one bank is to have credit options--to be able to
transfer your balance to a lower rate. That's your only real power against high
fees. That's how to be DebtSmart®! Make the banks fight for your business! Be
sure to add this web page to your favorites list so you can keep applying for
new credit when you need it. Which credit card is right for you? Select from the
list below and apply online right now!
Adventures of the Debt Daredevil: Car on Credit
by Scott Bilker
In his first mission, the Debt Daredevil takes on
the evil used car salesman by helping his friend understand her financing
options.
Scott: "What are the financing terms?"
Salesman: "Let's go talk about the details in the back office."
Salesman: "Looks like we can get you a great
low rate of 10.99%." Scott: "I don't know. I have to make a quick cell
call. I'll be back in a few minutes..." (This is a job for the Debt
Daredevil!)
Helping you with your debt is very important to me personally! If you've been
reading my articles, you know that I always encourage self-help as a first step.
However, being buried in debt can be very overwhelming, which is why you may
want to explore other options.
One of those options is professional, ongoing help with credit counselors.
I've started to personally check out certain companies so I can recommend the
ones that are worth considering!
If you would like to speak with a representative from a...
"I had your books less than 2 hours and already saved twice the cost
of them with a single phone call!"
Hi Scott,
I am just bursting with excitement to email you
today. I received your books in the mail when I got home from work and read the
first chapter of Talk Your Way Out Of Credit Card Debt. I then
called one of my credit card companies that was charging me a whopping $59 (zowwy!)
"member fee" each year and followed the steps that you outlined in the
chapter I just read. Just as you said, I got the first representative who
explained all of the "great thing" that the "member fee"
provided, such as sending me a statement each month "absolutely free,"
sending me a replacement card if it is lost or stolen "absolutely
free," yadda, yadda (seriously, do these people actually believe what they
are saying?!). I asked for the supervisor, was told they couldn't do anything,
talked to them anyway and, big surprise, the fee was waived on my account! I had
your books less than 2 hours and already saved twice the cost of them with a
single phone call!
Thank you so much for all that you do to provide
people with this great resource about a topic that most people seem to be afraid
to talk about. What a great idea to record your phone conversations and share
them! It gave me the exact action sequence and the confidence boost that I
needed, and I have no doubt that many, many people have been helped by your
efforts. Keep up the great work!
I recently read your article about buying a car
with a card. I have a 0% interest card and plenty of available credit so it
seems like a good idea. The problem is the seller is a private party. Obviously
I can't use a convenience check or a cash advance or I'll blow the interest
strategy. Is there a way to pay a private party so that it appears as a purchase
on the card and not an advance? I have checked out PayPal but I'm not sure the
seller is Internet active. Thanks.
The author(s), Press One Publishing, and DebtSmart.com shall have neither
liability nor responsibility to any person or entity with respect to any loss or
damage caused, or alleged to be caused, directly or indirectly by the
information contained in this email newsletter and/or at the DebtSmart.com web
site. The information, methods and techniques described may not work for you and
no recommendation is made to follow the same course of action. Every effort has
been made to verify the accuracy of all content contained herein. However, there
may be mistakes; typographical, mathematical, or in content. This email
newsletter and the DebtSmart.com web site have been created for your
entertainment only. You must always seek the proper professional advice before
taking any financial or legal action. You have been warned.
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