Debt Cures Promises Free Money From Government Grants

Do you need more cash to help you get through the month?

Learn how to start earning Free Money right now that you never need to pay back from the comfort of your home without interfering with your current busy schedule.

Do you really think the government is going to give you free money?

I hope you answered, YES!

What most people don’t know (and many who know it don’t even believe it) is that there are millions of dollars in free grant money currently available for regular people just like you. This money is being offered both by the United States government as well as many private organizations and companies.

This Free Money can be used toward:

• College tuition and loans
• Starting a small business
• Paying your mortgage
• Erasing your credit card debt

You can’t continue living with your current debt problems.

If you’re serious about finding Free Money TODAY, then you need to get serious.

There’s no reason that you should need to pay $39.99 for Kevin Trudeau’s book and then have to wait several weeks for the book to arrive. Who knows when you’ll even have time to read the book anyways.

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You work hard and you still can’t get ahead financially. You owe it to yourself, and you owe it to your family, to get the Free Money that you deserve.

Two Magic Words = Identity Theft

Many people seem to be wondering, what are the “two magic word” that Kevin Trudeau claims can correct your credit problems? According to page 138 of Debt Cures, the “Two magic words = Identity Theft”.

This seems to me like a very simplistic “magic” solution. While it’s true that many people have credit problems because the were victims of identity theft, there are many who were not. These magic words will not help most people who have simply amassed too much debt.

Debt Cures by Kevin Trudeau – Book Reviews of Chapter Eighteen

Franklin Delano Roosevelt said,”We have nothing to fear but fear itself.” Too many Americans however remain in fear of their credit card company or their bank. You may be under their control without even realizing it. Kevin Trudeau wants you to fight back and “slay the dragon” in chapter 18 of Debt Cures. The credit card companies need us to be like the average worker bee. Paying their statement each month along with the fees they take on. But the competition between the companies is great and Trudeau says we need to use the competition to our advantage.

Whenever you have a problem with a credit card company, you need to be consistent and call them to complain. Be persistent; don’t give up after one or two calls. If they will not give you what you want, don’t pay them anything else. Cancel your account and go to another bank. You shouldn’t switch to another bank just for the sake of switching, but in order to get the best deal for yourself that you can. Never give up.

Trudeau tells the story of someone with $8,000 in credit card debt. Working the credit card companies against each other allowed the person to cut years off of his debt while saving thousands of dollars. You don’t have to remain in debt if you take control and fight back. Use whatever leverage you can.

Being in debt is horrible, but it doesn’t have to be permanent. Take control of the situation. Debt avoidance does not equal debt riddance. Just trying to avoid your current debt will not help you get rid of it. You must attack it head on. Once you have conquered bad debt, then you will be able to begin to create wealth. And what do you want your money to be doing? Helping an executive at your bank lead a good life, or helping you doing what you want to do?

Don’t come up with excuses as to why you can’t pay your debts. Fight back and get them to reduce or waive fees. Be persistent. Never give up. They keep asking for your money. You should be asking for ways to keep it for yourself.

Don’t let fear control you. Negotiate directly with the companies. Kevin Trudeau tells a story where a couple was deep in debt. They prepared a financial statement, got together their facts and were able to reduce their balance by half. It took time and many phone calls but it worked. Remember, the companies would rather get some money than get none. If they have to call on a collection company, they will have to share what you pay with them. Work out the best deal for yourself. Take notes of each call and get them to write down the terms of any settlement. Get in control; then stay in charge. The credit card companies lose out if you go to bankruptcy court so call their bluff and get a better deal. Use these Debt Cures to win back control of your life. Is it any wonder They Don’t Want You To Know About Them?

Debt Cures by Kevin Trudeau – Book Reviews of Chapter Seventeen

As children, we often thought of running off and joining the circus. Little did we realize that when we grew up we would be part of the three ring circus of borrowing and lending. In chapter 17 of Debt Cures, Kevin Trudeau says that the contracts used by credit card companies are designed by lawyers interested in keeping the credit card companies and banks in business. The language of the contracts is difficult for even lawyers to follow.

The difficulty is part of the plan. If we can’t read the contract, or give up halfway through, then they can legally charge us the high interest rates and fees that Trudeau calls obscene. Mortgage companies and car dealers must have easy to read contracts. When you purchase a car, you know up front the amount of each monthly payment, and the number of months it will take to pay off the loan. With credit cards, all you get is a monthly statement with a minimum amount. Kevin Trudeau quotes a professor who says that credit card companies should put a one line sentence on your monthly statement showing payment options. Imagine your reaction if you saw that if will take 60 months to pay off your $2,000 credit card debt. It may change the way we use credit cards, and may decrease the company’s profits. The credit card companies argue that it is too complicated to include on the statement, but Debt Cures says it is just information that they do not want you to have.

Credit cards are swiped 52 million times a day; so why do credit card companies need to charge such high fees? Each time you swipe, the companies are getting a portion of the sale. Trudeau says he doesn’t have a problem with credit card banks charging a reasonable interest rate, his complaint is their obscene profits from high rates and fees.

Kevin Trudeau says you need to be the ringmaster of this circus. He proposes several ways of being the human cannonball and fighting back. Some are reviews of techniques he explained in early chapters of Debt Cures while other tricks are new. Here are a few of these techniques:

1. You should be contacting the credit card companies anytime you have a question about your statement.
2. Call your company about reducing your interest rate.
3. Make sure you use your threat of transferring your balance to a competitor.

Remember, they would rather make some money off of you versus making nothing. Simply asking can reduce your monthly obligation considerably.

Make sure that you contact your company to have the annual fee removed. Most companies don’t charge it, but some do, why pay $30 or $40 a year plus interest when a phone call could remove it. Remember, whenever you call, if they don’t satisfy you the first time, ask for a supervisor or keep calling until they do what you want. When calling, ask for a higher credit limit, not for you to use but to help improve your credit score. Remember if you score goes up, you can use that as a tool to lower your payments. If it is your first late payment, call to see if they will remove the penalty. You have nothing to lose and may save money. Make sure you read chapter 17 of Debt Cures as Kevin Trudeau provides you with details on how to win when fighting back. Be the strongman or strongwoman in this circus. Be a success story.

Kevin Trudeau Debt Cures Book Reviews of Chapter Sixteen

According to chapter 16 of Kevin Trudeau’s book, Debt Cures, America remains a nation of debts and the debt continues to grow each day. Trudeau says the amount of debt grows by $2 billion a day. Are we becoming a nation oppressed by banks, credit card corporations and department stores? The competition for consumers is at an all time high and companies keep finding Americans willing to go into debt.

It used to be that you needed to be a good credit risk before anyone would loan you money. That’s no longer the case as lenders look for people who will pay back their credit, only after missing a few payments and earning the lenders huge profits. Loans used to be a win-win situation, with the borrower able to repay, and the lender making a modest profit. Now the profits are obscene while the borrower is less and less likely to repay without first getting into some problems.

With the abuse of the system one would think that companies are having a hard time finding new people to scam, but Trudeau says that is not the case. He says that companies are targeting the least likely to pay back; illegal aliens, the poor and college students.

One would think that you wouldn’t want to loan money to illegal aliens, they don’t have credit records or social security numbers after all. But if they can get an identification card, then they can get a credit card. Once they have a credit card, then they can be charged for late fees, penalties and high interest rates, just like you or money. Another way to help illegal aliens join the American dream.

Further, credit card companies are marketing poorer neighborhoods of America for hopes of catching new customers. People who are having difficulty paying their rent and utilities, now go to the mailbox and find tempting offers of new cash, only to find out the hard way that they could be ensnared with greater and greater debt.

Finally the most sought after group is college students. Hook kids in their late teens and early twenties and they may be paying interest for the rest of their lives. All you need to do to get a credit card is to be enrolled in college. Your ability to pay isn’t even considered. By the time Mom and Dad find out, the student may be thousands of dollars in debt, in addition to the expense of college. Credit card companies are allowed to set up booths on campus to sign up students. There’s little to stop them and the rewards for the credit card companies (and the expense to the students and their families) are almost limitless.

Kevin Trudeau says “that debt is the one issue in this country that touches everyone.” Debt does not discriminate; everyone is fair game, but the game isn’t fair. Trudeau says it’s a call to arms, for us to fight back. Debt Cures states that we cannot allow these companies to continue, it is costing everyone. Some parents have contacted Washington but more need to be done in order to bring about action.

Kevin Trudeau Debt Cures Book Reviews of Chapter Fifteen

After giving us information over the last several chapters on how to get out of debt and stay out of debt, in Chapter 15 of Debt Cures, Kevin Trudeau goes back to his attack on lenders in the United States. Each year credit card companies pay millions of dollars in lawsuits for fraudulent actions committed against their customers. Recently, it was shown that one credit card company had their employees hold or shred customers’ checks so that they could charge late fees, while another charged customers for services that they never ordered. Imagine, being required to refund millions of dollars a year and still the credit card companies are highly profitable.

One credit card company took the liberty of changing the monthly due date of its customers. Only they didn’t bother to point out the change and must people realized it changed only after they noticed the late fee penalty on their next bill. That’s why you need to read your monthly statement carefully and call to question and complain when there is a charge that should not be there. Keep fighting back. That’s what a resident of Minnesota did. She signed up due to a low, fixed interest rate. A few months later she noticed that the interest rate went up. So she contacted the credit card company and she contacted the Minnesota state attorney’s office. She knew her rights and she fought back. Credit card companies spend millions of dollars a year on marketing campaigns because they think they can get the money back.

Make sure you are not a victim of any company schemes. Trudeau says you should file a complaint if you suspect anything shady. The first place to start is with your state’s Attorney General’s office. While the federal government may not do much, your state most likely has an office to investigate consumer issues. Most lawsuits against credit card companies are filed by attorney generals, and most of them are initiated due to average citizens like yourself taking the time to complain. While the federal government does little about credit card companies, your local congressman just might. Remember to contact them; they are ultimately responsible to you. You elect them to office; not the credit card company’s contribution. Make sure they are reminded of that.

Trudeau also provides contact information for other government offices to contact. And if you are worried about what to say, Trudeau also gives details on the information you should be providing. Remember it’s your money and you need to fight to keep it.

 Watch out for a little tactic call Universal Default. Universal default is legal, but Trudeau screams about how unfair it is. An example of Universal default is when you make a late payment to company A and they raise your rate because of it. Then, other companies are now allowed to increase their rate to you even if you have never missed a payment with them. Trudeau says the average default interest rate is 24%. Imagine if this happened while you were in school. You turned in homework late in English class, and now you math teacher lowers your grade as well. Kevin Trudeau encourages you to call your congressman and complain. Debt Cures teaches you how to fight back.

Kevin Trudeau Debt Cures Book Reviews – Chapters Thirteen and Fourteen

Home Sweet Home. If you already own your own home then you are on your way to financial stability. A home not only provides roots and stability in your life, but it is also a good investment. In Chapter 13 of Debt Cures, Kevin Trudeau points out that it makes so much more sense investing in a home which will build equity, than to be paying rent and never seeing the money again. If you have a 30 year mortgage, Trudeau says that he can help you reduce how long you will have to pay on the mortgage and thus save thousands in interest payments.

Repeating the theme of a good credit score, Trudeau points out that by having a higher credit score, you can get a lower interest rate. One example he shows is a person with 720 credit score paying about $500 less a month on a $200,000 mortgage than a person with a 500 credit score. If you have been able to improve your credit score, now is the time to shop around for a lower interest rate. Use the savings from the better rate to pay down other debt or to pay ahead on your mortgage if you can.

Another fee banks charge on mortgages is the Private Mortgage Insurance or PMI. PMI is charged when you have less than 20% equity in your home. The banks charge PMI each month to reduce their risk on your mortgage. Check with your bank to see if you are being charged PMI and how much it costs each month. If you own more than 20% of your home you should verify with the bank that the PMI charge has been removed from your monthly bill. Try avoiding the PMI like the plague. If you can try to get a loan from a family member to get it paid off then do so. Kevin Trudeau also mentions other ways in Debt Cures to increase your equity to get rid of PMI. You can put that money to better use.

When refinancing your home, don’t fall for any interest rate gimmicks. Trudeau recommends you stay away from variable rates and get a fixed rate loan. Make sure there are no penalties for early repayment. There are ways to reduce or shave years off your mortgage. One way is to pay more than your monthly payment. Since you might not be able to afford that, consider splitting your mortgage payment. Set up mortgage payments to be made automatically each time you get paid. You’ll save thousands over the life of a mortgage and could reduce a 30 year mortgage down to a 25 year mortgage. Be creative! Just make sure you check with your lender first so that they won’t hit you with any fees.

In Chapter 14 Trudeau encourages you to stay away from bankruptcy unless it is absolutely necessary to do so. Thousands of Americans are declaring bankruptcy each year, you probably know someone who has. Ask them if it has helped them. Chances are they are now having problems with their credit because they have a poor credit score and can’t get a good rate. Bankruptcy lawyers may be the only ones benefiting from the increase in bankruptcies in the United States.

Kevin Trudeau Debt Cures Book Reviews – Chapters Eleven and Twelve

Chapter 11 of Debt Cures is titled Show Me the Money. Kevin Trudeau is not talking about Jerry Maguire. Instead, he begins talking about ways to create wealth now that you’ve gotten your debt under control. Remember that improving you credit score saves you money.

You’ve gotten your credit report, you’ve fixed it, you are now monitoring your score (and if you are not sure how to monitor your debt, Trudeau provides you with the tools to eliminate your debt and to increase your credit scores). Trudeau provides several more tips on improving your credit score in the book. Trudeau also urges you to pay down as much debt as you can. You should never be in debt more than 30% of any credit limit provided by a credit card company.

Kevin Trudeau points out that someone with a credit score of 700 could save $100 a month in mortgage payments versus someone with a credit score of 675, and save $300 a month over someone with a credit score of 625. That’s the incentive for working hard at improving your credit score. This translates to more money in your pocket to do what you want to do or to pay down additional debt earning you more money in the future. Over the life of a mortgage you could be saving as much as $110,000 or more depending on the size of your mortgage.

There are other ways to “see the money.” Trudeau points out several tips including:

1. Paying on time – this not only saves you on penalties but will keep your credit score high.
2. Pay more – if you pay more than the minimum requirement you build up your principle while reducing your interest charges.
3. Never skip any payments, and don’t close out credit cards – make your payments and remember that having a long history with a credit card company improves your credit score. So don’t be quick to cut up your cards.

There are several other tips and of course, Trudeau provides details on each tip. Remember following these tips will increase the money you retain each month.

In Chapter 12 of Debt Cures, Kevin Trudeau points out that bad information equals bad credit. It is possible that your poor credit score might be the result of Identity Theft. Identity theft is impacting more Americans every year. It is not just you that could suffer, but banks lose millions of dollars a year thanks to identity theft. That’s another great reason to check on your credit report. It might be the first time you realize you are a victim. In addition, Trudeau maintains that you should also use a credit monitoring company. Credit monitoring not only helps protect you against identity theft but it also will help you maintain a good credit score. You should also follow basic security steps, don’t give out personal information to people you don’t trust, always log out of financial websites when you are finished with them, make sure you have up to date antivirus and security software on your computer.

This is all part of Kevin Trudeau’s continuing Debt Cures to take charge of your life and your finances.

Kevin Trudeau Debt Cures Book Reviews – Chapter Ten

You’ve taken control of your financial well being. You’ve gotten copies of your credit reports, reviewed them and corrected the errors on them. Now you are going to stay on top of your finances, pay your bills on time and not allow the credit companies to constantly hit you with fees and penalties. In Chapter 10 of Debt Cures, Kevin Trudeau goes into further details regarding your credit score and how to begin to use it for your advantage, not for someone else’s.

Your credit score is calculated using an algorithm, a fancy word for complex mathematical formula. After all your information is thrown into a computer your score will come out between 300 and 850 points. In the past the banks wanted to lend only to people with high scores, because they represent the lowest risk. Now they want to lend to people with average or below average scores, because the profits are in the penalties, fees and additional interest they earn when you get behind in payments.

Remember your credit score is nothing personal. The credit reporting companies do not take into consideration your weight, race, religion or nationality. They don’t care if you root for the New York Yankees or the Pittsburgh Steelers. It’s a cold hard look at your financial numbers. They are looking at how your financial numbers are painting your life. Not only do creditors look at your credit score, but many employers will check your credit score as part of the hiring process.

With three credit reporting companies a good question is how will banks determine my score if all three scores are different? Trudeau explains that they will take the middle score. If you have scores of 680, 710, and 750, then your credit score will reflect the middle 710. It is not based on your average. Each company uses a slightly different formula to compile your score so it is not uncommon to have three different scores. Also, there is a difference between your credit score and your credit report. The score is simply your number, the report provides details such as how much you owe and who you owe it to.

In general, there are five areas that go into your score:

1. Payment history
2. Amounts you owe
3. Length of your credit history
4. Types of credit used
5. New credit.

Trudeau provides details on each of these areas along with their importance.

Banks will almost always use credit reports from all three companies while department stores may only use one. So it is important that you get and clean up all three credit reports. Remember the companies have to provide you with a free credit report annually thanks to the Fair Credit Reporting Act. It may also be advantageous to pay a small fee to get an updated credit report a few months after your review, to see if the corrections have been made and to see how much your score has improved. With an improved credit score, you can now save hundreds or thousands of dollars by improving the interest rate on current and future credit. You’ve started down the right path to curing the debt, now Kevin Trudeau wants to keep you moving down that path in future chapters of Debt Cures.

Kevin Trudeau’s Debt Cures Book Reviews – Chapters Eight and Nine

In chapter 7 of Debt Cures, Kevin Trudeau said that you can fight back against credit card companies by getting your credit report. In chapters 8 and 9, Trudeau explains further why you need to fight back, and provides details on getting and improving your credit report. Remember, the higher your credit scores the better for you. The best way to improve your score is to get your credit report so you can find out what you need to do.

There are three companies in the United States that create credit reports, and each of the companies is required to provide you with a copy of the report at your request once a year. Don’t worry, Trudeau provides you with the contact information for each of the companies. So getting you report is easy. Once you get your report you will need to go over it thoroughly.

There are four main areas on your report: 1.) Personal Information, 2.) Credit Information, 3.) Public Record Information, and 4.) Inquiries.

Personal information is your name, date of birth, address etc. This is very important as it is not uncommon to find someone else’s information here. Imagine seeing that someone with the same name as yours in another city has bad credit, and it’s showing up on your report. This is a quick and easy fix.

Credit information is the good, the bad, and the ugly. This will show your loan and credit history. Make sure this is accurate, if you have paid off a loan, and the report shows it is still active, you will want to get this straightened out.

Public Record information could be a legal judgment or a tax lien. Again, you want to verify that the information is accurate.

The last section is inquiries. This is the part of the report that shows who is checking you out. Each time someone checks your credit history it will show up on this report. Every credit card that you have applied for will show up on this report, and each inquiry will bring down your credit score. That’s why you should not be applying for every credit card offer in the mail or at every store in your local mall.

Your credit score will fall between 300 and 850 reports. The higher the better, if you are average or slightly below average, then the credit card companies will come after you because you are likely to get behind slightly and they make money off of you.

Trudeau lists several ways to improve your credit. The most important thing involves contacting the credit reporting companies so that you can correct any inaccuracies. This can be done on the telephone, online or by snail mail. The dispute process is free, and must be completed by the companies within 30 days. If they cannot justify the dispute you win and it will be taken off of your report. Make sure you check each of the three reports carefully, as an error may only be on one of the reports. If it is on all three reports, then you will have to open three disputes. Again, Trudeau lays it all out clearly in Debt Cures.

As Kevin Trudeau maintains throughout Debt Cures, you need to take control and be in charge of your financial life and not allow the credit card companies to run your life.