Benefits and Drawbacks to Home Equity Loans: Is it Right for You?
A home equity loan is a type of loan that allows homeowners to borrow against the equity they have built up in their homes. The loan is
A home equity loan is a type of loan that allows homeowners to borrow against the equity they have built up in their homes. The loan is
t’s been over two years since the coronavirus pandemic upended life as we knew it and put millions of Americans into a state of financial
Debt relief programs are excellent approaches to easing your debt burden, but they’re associated with an unpleasant side effect — your credit score dipping down.
Lenders use your credit score to determine your creditworthiness. It is essentially a grade that tells them how likely you are to pay them back
Debt to income ratio is a financial term used to describe the percentage of an individual’s monthly income that goes towards paying debts. This figure
What’s the black market value of stolen credit card information? Major security breaches have become too common of a story, with retailers and websites hacked
More and more Americans are racking up credit card debt as the recent inflation pushes up the cost of living nationwide. According to a recent poll
The Federal Direct Student Loan Program provides low-interest loans to eligible students to help pay for the cost of post-secondary education. The program is administered by the
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American Consumer Solutions is a debt relief agency that assists consumers with eliminating the burden of high interest consumer debts and getting back on the road to financial freedom. Prosperity for all!
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American Consumer Solutions™ provides debt resolution services. Our clients who make all monthly program payments save approximately 40 – 50% of their enrolled debt (average of 43%) upon successful program completion, before program fees. Fees are based on a percentage of your enrolled debt at the time of starting the program and range from 14%-25% of your enrolled debt. Programs range from 20-48 months. Clients must save at least 25% of each debt due to an enrolled creditor before a bona fide settlement offer will be made. On average, clients receive their first settlement within 4-7 months of enrollment and approximately every 3-6 months thereafter from when the prior debt was settled. Not all clients complete the program. Estimates are based on prior results and may not match your results. We cannot guarantee that your debts will be resolved for a specific amount or percentage or within a specific timeframe. We do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting, legal advice or credit repair services. Our program is not available in all states; fees may vary by state. Some programs may be offered through The Law Firm of Higbee & Associates d/b/a Advantage Law. The use of debt resolution services will likely adversely affect your credit. You may be subject to collections or lawsuits by creditors or collectors. Your outstanding debt may increase from the accrual of fees and interest. Any amount of debt forgiven by your creditors may be subject to income tax. Clients may withdraw from the program at any time without penalty and receive all funds from their dedicated account, other than funds earned by the company or fees paid to third-party service providers, as may be applicable. Read and understand all program materials prior to enrolling. Certain types of debts are not eligible for enrollment. Some creditors are not eligible for enrollment because they do not negotiate with debt relief companies. To determine the offers you may be eligible for, American Consumer Solutions™ conducts a “soft credit pull.” This credit pull does not impact your credit score, creditworthiness, or ability to obtain credit from other sources. The soft pull is not a tradeline entry, does not report against your score and will only take a few minutes.
American Consumer Solutions™ Funding, LLC (1201 W 15th St. Suite 210 Plano TX 75075) is fully accredited by the Better Business Bureau (BBB), the American Fair Credit Council (AFCC), and the International Association of Professional Debt Arbitrators (IAPDA). CA Department of Financial Protection and Innovation (DFPI) License # 603K913.