Credit Card Holders Bill Of Rights [UPDATE]: The Urgency Of Now

This is a DEBT WARRIORS Credit Card UPDATE on the Credit Card Holders Bill Of Rights [H.R. 5244]: In by September 24th blog post, I gave props to Chairwoman Carolyn B. Maloney (D-NY). For getting the Credit Card Holders Bill Of Rights [H.R.5244 ] over a critical vote.

The Credit Card Holders Bill of Rights is still ONLY a Bill and it's waiting to become a law on Capital Hill.

Govtrack.us reports that 111 Republicans voted "NO" or "NAY" to the Bill! Only 84 Republicans voted "Yes" or "Aye" to the Credit Card Holder Bill Of Rights!

288 Democrats Voted "Yes" to the bill with only 1 Democrat Voting against the Bill. If you have Credit Cards, you need H.R. 5244 signed into A.S.A.P.!

What can you do? You can track down your State Representatives web-site and let them know YOU WANT H.R. 5244 APPROVED! Email your State Senators and Representatives and let them know that you're watching.It does work.

The Credit Card Holders Bill of Rights [H.R. 5244] is a Bill that we need signed into Law - NOW! As we live in the urgency of NOW and try to endure unexpected financial situations, we have to take action for ourselves and as a collective of Consumers. Remember [Bill H.R. 5244].
--------------------------------------------------------
Reading This Blog in an Email? Want the full DEBT WARRIORS™ Experience?

* Recent Video Post's
* Updated Podcast,
* Free Debt Help
* Credit Card Debt Calculators
* Interactive Opinion POLLS

Feel Free To Click: WWW.THEWARONDEBT.NET. Thanks for Subscribing to the DEBT WARRIORS BLOG! Settle Your Debt For Yourself! Log onto www.DEBTWARRIORS.com
------------------------------------------------------
DEBT WARRIORS™ are not Attorneys. The information on this blog, should not be considered legal advice. Please consult an attorney for legal advice.
Click here to see how you can hire an expert Attorney in YOUR State for less than $1 per day

2 Special Words To Know For Debt Settlement, 'Assigned' or 'Sold' [VIDEO]:

DEBT WARRIORS™ Exclusive: 'Assigned' Vs. 'Sold' Debt[Watch Video Here]

In this video, DEBT WARRIOR™ Kasondra Miller, explains 'Assigned Debt' vs. 'Sold Debt'.



A Quick Video Re-Cap: In Case You Decided Not To Watch :(

1. 30 to 90 days after someone has stopped making payments on a Debt, the 1st Party Creditor will Assign the Debt to an outside Debt Collection Agency [CODE NAME: Debt Terrorist]. If the Debt Collector fails to collect the debt, or usually when the Debt is 'Validated', the Debt Collector will send the Debt Back to the Original Creditor as "noncollectable" or "unrecoverable".

2. Once the Debt is sent back to the Original Creditor, the Creditor, will send it to another Debt 3rd Party Debt Collector, or sell the Debt for pennies on the dollar.

Why Do Words Matter In Debt Settlement? Attorney Edward Bashara, told me "in business words mean everything, so be careful of what you say".

For example, if a Debt is Assigned the Creditor hopes to get you to make a Payment to Update or Re-set the Statue of Limitations for Debt Collection in your State. Whereas, if a Debt has been sold, the 1st Party Creditor has lost all hope of collection now or in the future.

Who should YOU seek to Settle the Debt with? That depends on the status the Debt.But here is an easy way to figure it out.

A. If it's been SOLD, you should try to negotiate a Settlement that you can actually pay back.

B. If the Debt has been ASSIGNED you should 'Validate' the Debt with the 3rd Party Debt Collector. Then seek to negotiate with the 1st Party Creditor after the 3rd Party Debt Collector sends the Debt back to the 1st Party Creditor.
------------------------------------------------ Reading This Blog in an Email? Want the full DEBT WARRIORS™ Experience? * Recent Video Post's * Updated Podcast, * Free Debt Help * Credit Card Debt Calculators * Interactive Opinion POLLS Feel Free To Click: WWW.THEWARONDEBT.NET. Thanks for Subscribing to the DEBT WARRIORS BLOG! Settle Your Debt For Yourself! Log onto www.DEBTWARRIORS.com
------------------------------------------------------
DEBT WARRIORS™ are not Attorneys. The information on this blog, should not be considered legal advice. Please consult an attorney for legal advice.
Click here to see how you can hire an expert Attorney in YOUR State for less than $1 per day

John McCain, Keating Five Savings and Loan Scandal [Video]:

"The Keating 5 Savings and Loan Scandal Is Eerily Similar To Today's Credit Crisis". ~KeatingEconomics.com

Lack of regulation and cozy relationships between the financial industry and Congress has allowed banks to make risky loans and profit by bending the rules.

John McCain's judgment and values have placed him on the wrong side of history. Watch this new in depth documentary exploring the Keating Five Scandal. If you're reading this in an email, click here to watch the Keating Five Savings and Loan [S&L] Scandal.
--------------------------------------------------------
Reading This Blog in an Email? Want the full DEBT WARRIORS™ Experience?

* Recent Video Post's
* Updated Podcast,
* Free Debt Help
* Credit Card Debt Calculators
* Interactive Opinion POLLS

Feel Free To Click: WWW.THEWARONDEBT.NET. Thanks for Subscribing to the DEBT WARRIORS BLOG! Settle Your Debt For Yourself! Log onto www.DEBTWARRIORS.com
------------------------------------------------------
DEBT WARRIORS™ are not Attorneys. The information on this blog, should not be considered legal advice. Please consult an attorney for legal advice.
Click here to see how you can hire an expert Attorney in YOUR State for less than $1 per day

Woo Hoo! No More F-You From WaMu

I've never liked Washington Mutual and I've exposed thier treacherous banking tacics many times before.

Wednesday, November 7, 2007: "The Sate of New York conducted an expansive investigation into the mortgage industry has uncovered that Washington Mutual improperly pressured appraisers to provide inflated values that best served the lender's interest."

Thursday, November 1, 2007: I asked, did "WaMu Screw you Too? Attorney General Cuomo, filed a civil complaint charging eAppraiseIT "colluded with the nation's largest savings and loan companies to inflate the values of homes nationwide, contributing to the sub prime mortgage crisis. If you are a Washington Mutual customer double check everything."

WaMu told me "F-You"!

Back in 2002, Washington Mutual canceled my account for a $15 check that was in dispute with Bank Of America. WaMu canceled my checking and savings account two weeks before Christmas.

At that time, my direct deposit went through 'WaMu'. I paid all my accounts through WaMu, plus I'd never bounced a check with them. But still I received a letter stating that WaMu was closing my checking and savings account.

Of course when I called, I was greeted by a very nasty Customer Service Representative who told me the decision had been mad and there was nothing that could be done about it.

Chase Comps Down WaMu, Intends To Chase You

Washington Mutual accounts have been acquired by JPMorgan Chase. Woo Hoo! This means no more WaMu! If you have accounts in good standing with WaMu, now would be a good time to look into opening an account at your local Credit Union. Chase, although a very fair Bank is still a Commercial Bank - hence "Credit Predator".

Credit Unions, in my opinion are a better option because they provide:

• Superior Customer Service
• Local Managers
• Exclusive Member Benefits
• Generally Lower Interest Rates for Loans

If you've been screwed by WaMu (like millions have) you should consider changing Banks.
--------------------------------------------------------
Reading This Blog in an Email? Want the full DEBT WARRIORS™ Experience?

* Recent Video Post's
* Updated Podcast,
* Free Debt Help
* Credit Card Debt Calculators
* Interactive Opinion POLLS

Feel Free To Click: WWW.THEWARONDEBT.NET. Thanks for Subscribing to the DEBT WARRIORS BLOG! Settle Your Debt For Yourself! Log onto www.DEBTWARRIORS.com
Don't go to Court Alone! Hire an expert Attorney in YOUR State for less than $1 per day. Log Onto:
https://www.prepaidlegal.com/hub/jeromeford

Don't Let Debt Defeat you! Settle Your Debt For Yourself! Log onto www.DEBTWARRIORS.com

Sarah Palin Agrees: "Predator Lenders" Talked Americans Into Bad Loans

Nearly two years ago, DEBT WARRIORS noticed that Predatory Lending threatened millions of innocent Americans Financial Security.

While Legal Assistant in a Bankruptcy Prevention Law Firm, I noticed the problem early. The problem was Credit Predators and still is. I was shocked to learn that our entire U.S. Economy was at risk. Corruption, greed and Unethical Practices were the MAIN factors at the root of the financial catastrophe that we are all experiencing today!

PBS Gwen Ifil, Moderated last nights 2008, Vice Presidential Debate and below was her first question:

"Who do you think was at fault? I start with you, Gov. Palin. Was it the greedy lenders? Was it the risky home-buyers who shouldn't have been buying a home in the first place? And what should you be doing about it?"

Sarah Palin Pounces on "Predator Lenders"

"Darn right it was the predator lenders, who tried to talk Americans into thinking that it was smart to buy a $300,000 house if we could only afford a $100,000 house. There was deception there, and there was greed and there is corruption on Wall Street. And we need to stop that."

"One thing that Americans do at this time, also, though, is let's commit ourselves just every day American people, Joe Six Pack, hockey moms across the nation, I think we need to band together and say never again.

Never will we be exploited and taken advantage of again by those who are managing our money and loaning us these dollars. We need to make sure that we demand from the federal government strict oversight of those entities in charge of our investments and our savings.

We need also to not get ourselves in debt. Let's do what our parents told us before we probably even got that first credit card. Don't live outside of our means. We need to make sure that as individuals we're taking personal responsibility through all of this.

It's not the American peoples fault that the economy is hurting like it is, but we have an opportunity to learn a heck of a lot of good lessons through this and say never again will we be taken advantage of."

DEBT WARRIORS are pleased that Gov. Sarah Palin agrees that I was right! But now that there is no more argument [from the right or the left] about who's at fault for the financial crisis, what are you [as a Consumer] going to do about it?

• Did you know that you've got the right and respectfully the duty to settle your debt for yourself?
  
  
• Did you Know that the Federal Trade Commission Recommends that Consumers seek to settle their debt for themselves?
  
  
• Did you know that you can settle your debt for yourself for pennies on the dollar?
  
  
• Do you know that you can clean up your own credit? It's not brain surgery and not nearly as scary as doing your taxes yourself.

That's why DEBT WARRIORS have been on the front line in the War On Debt. We've known for two years that Predator Lenders [we call them Credit Predators] have been scamming and ripping of innocent and unaware Consumers for years. We would NOT suggest that you wait for the U.S. Government to bail you out.

Look how long it took U.S. Lawmakers to agree that Predatory Lending was the problem? How long do you think it will take for them to pass legislation to help you? Do you have two years to stay stuck in debt?

As Gov. Palin said in last night's Vice Presidential Debate - "Never again". We DO need to "band together" to defeat the Debt Terrorist and Credit Predators. You may have been the victim of Predatory Lending, but now you know, you can take a stand, use your rights, fight back, and WIN your War On Debt for YOURSELF [ by settling your debt for pennies on the dollar].

We will be honored to show you how to wage and WIN YOUR War On Debt. Consider our DEBT WARRIORS ARSENAL™ and or CREDIT CARD MEDIC™ Video Courses.
--------------------------------------------------------
Reading This Blog in an Email? Want the full DEBT WARRIORS™ Experience?
* Recent Video Post's
* Updated Podcast,
* Free Debt Help
* Credit Card Debt Calculators
* Interactive Opinion POLLS

Feel Free To Click: WWW.THEWARONDEBT.NET. Log onto www.DEBTWARRIORS.com
Don't go to Court Alone! Hire an expert Attorney in YOUR State for less than $1 per day. Log Onto: https://www.prepaidlegal.com/hub/jeromeford.

Don't Let Debt Defeat you! Settle Your Debt For Yourself! Log onto www.DEBTWARRIORS.com

Who Is At Fault For 2008 Sub-Prime Credit Crisis

As Leaders of the Consumers Revolution, DEBT WARRIORS encounter massive opposition and drama from those whom don't know any better.

Shortly before listening to President Bill Clinton speak for Barack Obama Yesterday, I engaged a group of about 20 bold Students at the University of Central Florida. They were in support for John McCain and Sarah Palin.

They responded to me by showing off their T-Shirts!
Honestly, I thought the shirt was very creative. Watch the video to see what I mean :)


Sarah Palin's Kids Just don't understand

As at least 10,000 heated co-eds stood arguing under the the HOT Sun waiting for President Bill Clinton to speak on behalf of Barack Obama. But the topic of the American Economy was the hottest thing under the Orlando, FL Sun.

I told the Students for McCain-Palin, that Creditors are AT FAULT for the following:

• De-regulation of Credit Markets
• Predatory Lending
• Abusive and unethical lending practices
• Lack of Legal Oversight
• Deceptive Advertising
  
• Banks 'Selling Money' as Credit to college kids

Glen asked me, "Who is at fault for the Sub-Prime Credit Crisis of 2008?"

We get that question alot from American Citizens that understandably are confused about who is "at fault" for the Sub-Prime Credit Crisis of 2008. I met a bunch of confused students yesterday at UCF.

Jenny she liked my DEBT WARRIORS T-Shirt then asked me, "but what about dead-beats who borrow money but don't pay it back?"

I responded, you mean AIG and big Banks? Yeah those dead-beats get the Taxpayer to bail them out. I asked her did she know that she'd be paying about $4,000 to $10,000 in extra taxes for the Stock Market Bailout? Of course she looked at me like a baby Moose caught in the headlights...LMAO!

Honestly, The people At Fault For The 2008 Sub-Prime Crisis Are:

1. Those who still believe that Big Business is on the side of the Consumer
2. Big Businesses that take advantage of the Consumer every day
3. Spineless Politicians who take the money and run
4. Many Mainstream Media [ MSM ] Sources that fail to reveal the truth
5. The Federal Reserve Board
6. Bogus Mortgage Brokers
7. Dirty Debt Collectors
8. Crooked Insurance Companies
   

[All last names in this report are withheld to protect the ignorant]

I told Jenny thanks for the compliment and told her that at least Big Businesses are ALLOWED to file Bankruptcy. But for the average American, Bankruptcy is almost impossible. To Jenny's credit, she tried to understand what I was saying.
--------------------------------------------------------
Reading This Blog in an Email? Want the full DEBT WARRIORS™ Experience?

* Recent Video Post's
* Updated Podcast,
* Free Debt Help
* Credit Card Debt Calculators
* Interactive Opinion POLLS

Feel Free To Click: WWW.THEWARONDEBT.NET.

Settle Your Debt For Yourself! Log onto www.DEBTWARRIORS.com
Don't go to Court Alone! Hire an expert Attorney in YOUR State for less than $1 per day. Log Onto: https://www.prepaidlegal.com/hub/jeromeford



Don't Let Debt Defeat you! Settle Your Debt For Yourself! Log onto www.DEBTWARRIORS.com

Why Americans Need A Health Care Bailout

Heath Care causes financial trauma for those struck by medical misfortune.

In the Health Care Documentary, Critical Condition, PBS tells the story of Karen Dove's long battle with Cancer. But as you'll see, Karen's Debt stalked her more horrifically than the threat of death ever could.



Heck, Co-Pays alone are now $50 just to see a doctor. To see a Medical Specialist these days it cost $75 dollars. If you ever need surgery or are threatened by death, you are in for a battle with debt long before you become the dearly departed.

Karen Dove was a 49 year old former Department Manager, living in Texas. Karen lost her job and her Health Care Insurance. Shortly after those two simultaneous traumas, Karen started feeling "unbearable pain".

Karen's Health and Financial Situation Became Critical

After she could take the pain no more, Karen went to the hospital, where she was denied Medical Service more than once. Why? Because Karen Dove didn't have Medical Coverage. She got so far behind on rent that she and her family where nearly home-less. Eventually Karen would learn that she had Cancer.

$2,099 For Plastic Tubes?

Karen Dove was charged Two Thousand and Ninety Nine Dollars for a total of three plastic tubes. That is unconscionable! Karen's total Medical Debt [at last update] was $23,775 in total. The most painful part of all is that shortly after her 50th Birthday Karen Dove died from Cancer. Her Husband was left with $23,775 plus, the funeral fees and any Legal Issues that may need to be resolved.


At Last count, 47 million American Citizens are without Health Insurance.

Americans feel like they can't afford to get sick. The sickening truth is - they can't! This is why America needs a Medical Bill Bailout.


What Do I think A Health Care Bailout Should Include:

• Laws requiring Insurance companies to pro-rate Medical Care. For example, if you've never been sick or to the doctor, but you've been paying your Medical Insurance Premiums on time and you loose your Job, you should be able to get out every penny that you've ever invested toward insurance.
  
  
• Charge Insurance Companies for gouging American Consumers for Prescriptions and Medical Supplies.
  
  
• Refuse to allow Insurance Companies to get away with murder by denying service to people based on a "Pre-existing Condition" unless it's related to drug abuse or criminal activity.
  
  
• If a person is sick or terminally ill, Debt Collectors should not be able to harass them. There should a medical debt protection clause added to the Bankruptcy Act of 2005. This Amendment would allow for Bankruptcy to be filled due to verified financial hardship due to Medical Debt and expenses.
  

In the mean-time DEBT WARRIORS! send our thoughts and prayers out to Karen's Family and those who've been struck by Cancer.

There is good news! You CAN settle your Medical Debt for YOURSELF and save yourself stress and thousands. You just have to know the undeniable secrets and keywords to do it.

We've settled Medical Debt for others and saved them thousands. Now we offer you our successful Debt Settlement and Credit Repair Video Courses so you can do it for yourself.
--------------------------------------------------------
Reading This Blog in an Email? Want the full DEBT WARRIORS™ Experience?

* Recent Video Post's
* Updated Podcast,
* Free Debt Help
* Credit Card Debt Calculators
* Interactive Opinion POLLS

Feel Free To Click: WWW.THEWARONDEBT.NET. Thanks for Subscribing to the DEBT WARRIORS BLOG! Settle Your Debt For Yourself! Log onto www.DEBTWARRIORS.com
Don't go to Court Alone! Hire an expert Attorney in YOUR State for less than $1 per day. Log Onto: https://www.prepaidlegal.com/hub/jeromeford

Don't Let Debt Defeat you! Settle Your Debt For Yourself! Log onto www.DEBTWARRIORS.com