To often individuals are held back from the good things in life
because of mistakes made in the past. A low credit score and debt
that has not been addresses are prime examples. Due to the lack of financial
education individuals have no idea of what is available by way of
help in these areas. Credit Restoration and Debt Relief Programs are areas
of help that are constantly getting better.

I would like to point you to a program called Credit Shield. Which is capable
of addressing both Debt Relief and Credit Restoration in the same program
and in fairly short order. The program is called Credit Shield and the company is called by the same name. The essence of the program is to
challenge creditors in a debt audit. Few consumers are aware of the regulations governing debt collection.

The procedure requests a forensic audit of the account which collectors are trying to make you pay; we require your collector to provide validation, verification, and proof of their legal authority to collect from you. Recently, over 10,000 debt cases were dismissed in Maryland due to a debt collector not being licensed (not having legal authority) to collect.

NOTE: The Credit Shield system is NOT a debt settlement, modification, or negotiation service. Credit Shield requires debt collectors to prove that the debt is 100% legal, collectable, valid, and verified or you should pay nothing.

First, Credit Shield is more effective than others who use only the Fair Debt Collection Practices Act (FDCPA) to make a collector prove the debt is valid. Credit Shield utilizes multiple laws to make the debt collector prove they are authorized to collect, that the debt originated in lawful compliance with all federal laws, state laws, and regulations including, but not limited to, the Truth in Lending Act (TILA), Credit Card Act of 2009, Fair Credit Reporting Act (FCRA), Foreign Corrupt Practices Act (FCPA), Privacy Act of 1974, and the FDCPA. These laws we use are available here.

Thirdly, our paperwork has muscle because the debt collector can be charged with monetary damages if they continue collection without providing all of the proof required to verify the debt in full. The laws we use provide penalties and fines for non-compliance or failure to answer the Notice and Demand for Verification of Debt within thirty (30) days of the debt collector’s receipt of paperwork related to your account. The FDCPA for example, allows for a $1,000 damage paid to you should they violate the law by continuing to make payment demands without having verified the debt. Under 16. 15 U.S.C. § 1692e(8) it states: “Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed, is a violation of § 1692e.”

The program costs half as much as Debt Settlement and comes with a money back guarantee, and oh, did I mention that it takes half the time
of debt settlement and half the cost.

Why not call for a free no obligation consultation.
Yours Truly

Steven Ciantro
Consumer Advocate
American Debt Enders
Rated 3rd Nationally
Certified Credit Counselor
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