August 27, 2013

What will it take to restore my credit and get ahead financially?

By Timothy Stull (http://www.fresh-start.co)

As an economist and a guy that really follows statistical leading indicators, I felt compelled to write this article.  I have helped thousands of families save their homes and settled billions of dollars in debt for my clients.  I worked in the legal collection industry from 1988 to 2000 ~ for large mortgage banks and a very large collection law firm in The Chicago Financial District.  From 2000 to present I have defended the debtor & home owner….primarily tearing down the validity of debt per the FDCPA and forcing the bill collector to cooperate.  I was trained by the best of the best.  I have thrived in an aggressive “gladiator like” business arena for my entire career.  The one that I can say is that the entire world has changed over the last 6 years.  The easy days disappeared into the rear view mirror in 2007.  When the bond market blew up in the summer of 2007, it triggered a whole series of events.  Declining home values & frozen credit markets were main events…..however, what about the labor market?  High unemployment soon followed and the labor market changed forever.  Forever is a tough word to use….everybody wants to go back to the easy days…40 your work weeks, overpaid salaries, light work schedules…yep, those days are gone.  I can’t begin to tell you how many people I see struggle to get ahead daily.  They have been brainwashed to think that the Federal Government will get them out debt, save their home & move them to a richer plateau.  Frustration, resentment & stress normally set in for folks who take this path.  The economy is expanding, people are making more money & more people are being left behind.  Nearly 83 million people have serious credit problems….every day is a struggle for them.  Lack of money & lack of credit are brutal way to start the day.  I have always advised all of my clients to take the extra steps to earn extra money…it all adds up & really goes a long way.  The extra hours at work, a second job, weekend work…..it all works well.    The extra money and aggressive financial consulting is the path to credit redemption and restoration.  I have always advised clients that their problems did not evolve overnight & they won’t be solved overnight either.  Feel free to call my office with any questions at 877.297.7011 or email me direct tstull@thefreshstartfirm.com.

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