How To Re-Purpose Yourself To Get Out Of Debt

I know a lot of fans of Pastor Rick Warren,of the Saddle-Back Church. Pastor Warren is also the Author of the best selling Purpose Driven Life Series.

Since 1996, My purpose has always been to

"Live the life of a Champion and to always let my light shine."

I was thinking over the weekend, off all the blessings and lessons, I've learned in my 20 years working in the Media. I've been talking to some friends I've known for years but haven't spoke to in years in a while, on FACEBOOK and other places.

My Friend Tyler McKenzie is the Morning Co-Host for Positive Hits Z88.3, in Orlando Florida. She is the one who introduced me to Pastor Rick Warren's Theology and Teachings, long before Pastor Warren became a household name. If you ever get a chance give Tyler and Ellis a listen on-line at www.Z883.com?

You'll find that Tyler is truly a positive person with a truly Christian Purpose. Small world too, Because Tyler's Husband is from my Childhood Home-Town, Kalamazoo, Michigan. Tyler's introduction of Pastor Rick Warren got me to thinking, "why was I so blessed to have lived such a great adulthood"?

The answer was because I asked God for a purpose. I received it (although I didn't know it at the time). When the going got rough, I Re-Purposed myself, until I eventually succeeded. Re-Purposing is something nearly anyone can do and it works.


What Is Re-Purposing?

Re-Purposing is the act of reapplying yourself to a stated mission or goal.

For example, if you want to get out of Credit Card Debt:

1. Asses the damage. See how much is owed and how many payments it will take to pay off. DEBT WARRIORS offer a free and easy to use Credit Card Debt Calculator on the right side-bar of www.thewarondebt.net.
   
   
2. Examine your options wisely. A wise person once told me "it all starts with a question". Ask yourself the tough questions like "what's the worse that could happen?" or "is there a better alternative?" After you ask yourself some tough questions Re-Purpose yourself to never let the worst happen by using the best (most affordable and responsible) alternatives you can find to lower your debt.
   
   
3. Make your financial decisions "On-Purpose". Try not to make any decisions based on fear. Fearful financial decisions fail 90% of the time. Be clear about your alternatives and realize that worse case scenario, your credit score may be low for a couple of years. No worries, everyone still excepts cash.

Re-Purposing DOES NOT include the Following:

• Being scared: Not of your Creditors, Lenders, Attorneys or Debt Collectors! You have rights! Be prepared to use them!
  
  
• Ignoring the problems or claims: Watch your mail and check your voice messages. You could be sitting on $1,000 per every violation of your rights. Save any inappropriate messages from anyone attempting to contact you.
  
  
• Allowing someone else to do your dirty work for you. It's your battle you have to know how to engage the enemy "DEBT" in nearly a militarised way.

Now that you have an understanding of the need to Re-Purpose your life to get out of debt, feel free to hit us up with questions or comments about it.

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

52.7 Million Watched Bush’s Economic Crisis Address On TV

52.7 million viewers tuned in for President Bush’s speech on the U.S. economic crisis, which aired live Wednesday night from approximately 9:00pm to 9:15pm EST on ABC, CBS, FOX, NBC, Telemundo, Univision, CNBC, CNN, FOX News Channel, and MSNBC. This proves that millions of American Consumers are looking for some help and hope in these though economic times. Out of these 57 Million Americans, I wonder how many know that they can settle their debt [for themselves] instead of biting their nails every time they see or hear dreadful Financial Headlines? I wonder...

read more | digg story

Ex-Credit Card Employees Warn Of Banks "Selling Money" To Consumers

Credit Card Employees Are Required To "Sell Money" to Borrowers

In this video, our friends and Allies at Americans For Fairness In Lending somehow got Ex-Credit Card Employees Catherine "Caty" Columbo, and Jerry Young give expert testimony and warn Consumers of the tricks and traps used by credit card companies to rope Consumers into more debt.


Predatory Lending is a sypmtom of the disease of Greed. Hundreds of thousands of Credit Card Employees are stuck between working for Banks, Credit Card Comapnies, Mortage Brokers and other Financial Centipedes or not having a decent enough paying Jog to feed themesleves and their Children. This is a shame.

10 Ways To Avoid Credit Card Debt Traps
Source: Americans For Fairness In Lending [www.AFFIL.org]

1. Don’t get tricked, trapped or suckered into a card with bad terms. If you want a credit card, get one with a long-term low interest rate (APR). If you get a low introductory rate, chances are it’ll start at 0% and then jump to 20% with one almost-on-time-but-didn’t

-quite-make-it payment. Still want a credit card? Just know what you’re in for…

2. Once you choose a card, don’t let your guard down. Credit card companies are notorious for changing rules and playing GOTCHA. Look through those mailings they send…they may include a nasty change in terms.

3. Pay your bill on time. Better yet, pay it several days ahead of time. If the due date is on a Sunday and your payment (duh) arrives on Monday – you’re late! Don’t laugh, this is REALLY common. And when you’re late – see (1) above, your interest rate jacks up.

4. Pay your bill in full. Whenever possible. And as quickly as you can.

5. Do not go over your credit limit. And set the credit limit as low as possible. Don’t be fooled – credit card companies LOVE to give you a credit limit you can’t afford.

6. Stay as far away from a credit card ‘cash advance’ as you can. The interest rate on cash advances is MUCH higher and credit card companies apply any payment you make to whatever else you owe first. That cash advance hangs around unpaid and with increasing interest until you DO pay your bill in full. Did we already mention that they’re looking to get you?

7. Ignore those in-store “15% off today if you sign up for our credit card” offers. You’ll pay back what you saved and then some REAL fast.

8. Carry only one card. Less confusion. How many companies do you want abusing you at once?

9. If you do get into credit card debt, get help right away. Don’t wait until it gets worse. Try the Consumer Action Help Desk.

10. Remember your other option: CASH.
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Don't Let Debt Defeat you! Settle Your Debt For Yourself! Log onto www.DEBTWARRIORS.com

Credit Disputes And Rescoring: Settling The Score [For Yourself]

What's Your Fico Score?

As you can see (above) if your FICO Credit Score is lower than 620, you're paying way more than you should for loans. If it's under 550 you're losing YOUR War On Debt. But there are a number of solutions that may work for you. Today we'll discuss "Rapid Credit Re-Scoring".

Rapid Credit Re-scoring is a process that can correct errors on your Credit Score within 72 hours.

Credit Re-scoring is NOT a scam. Re-scoring is generally quick, (average of 72 hours), but you'll have to pay a Credit Re-scoring Company to have the errors removed. Plus, it will cost you $100.00 - $250.00 to correct each error. For this reason, it's better (much better :) to repair your credit for yourself. It takes longer but YOU can:

• Save hundreds of dollars
  
• Keep control
• Learn how to repair your credit through disputes and inquiries for the rest of your life
  

Operation 3, Credit Repair (in the DEBT WARRIORS ARSENAL), is a Video Course that shows you how to settle your credit score for yourself.

In this video I explain why a Credit Dispute works and why you should consider it. To WATCH the video on YOUTUBE, click here.

Most people who use Credit Re-scoring Services need their credit repaired immediately. This is often the case when someone is looking for a loan and are concerned that they may not be approved. But most Debt Settlement and Credit Repair experts (including myself :) know that it's better to repair your credit for yourself.

In Operation 3, Credit Repair DEBT WARRIORS give you the following:

• Secret keywords that allow you to repair your credit with the Big Credit Bureaus; Equifax, Experian and TransUnion [Big 3 CB's].
  
  
• How to file a Credit Dispute [for yourself] without the dispute being flagged as frivolous by the Big 3 CB's.
  
  
• Customisable Dispute Letters that you can quickly and easily send.
  
  
• What to do if your dispute is ignored by the Bug 3 CB's.
  
  
• How to gather the evidence for your Credit Dispute before you need to file it.

If you are not in a rush to get your credit repaired, there is no need to hire someone to repair your credit score. You can do it for yourself. To learn more about "Operation Credit Repair" included in the DEBT WARRIORS ARSENAL, please click here.
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Don't Let Debt Defeat you! Settle Your Debt For Yourself! Log onto www.DEBTWARRIORS.com

Credit Card Holders Bill Of Rights Passes Critical Vote

The Credit Card Holders Bill of Rights [H.R.5244] has passed in the U.S. House of Representatives!

WASHINGTON, DC – House Financial Institutions and Consumer Credit Subcommittee Chairwoman Carolyn B. Maloney (D-NY) , [pictured left] introduced the “Credit Cardholders’ Bill of Rights Act of 2008” (H.R. 5244).

The bill abolishes major industry abuses that unfairly hurt consumers while fostering fair competition and free market values.

Congresswoman Maloney feels our pain.

“A credit card agreement is supposed to be a contract, but in recent years cardholders have lost the ability to say no to unfair interest rate hikes and fees. This balanced, moderate bill simply levels the playing field between card companies and cardholders while fostering fair competition and free market values. It sets no rate caps, fees, or price controls, nor does it dictate any business models to card companies,”

This is GREAT NEWS! But there is still a major battle ahead.

The Credit Card Holders Bill of Rights is still ONLY a Bill and it's sitting on Capital Hill. WATCH: School House Rock's "How A Bill Becomes a Law" for some fun education about how a Bill becomes a Law:
To watch the video on YOUTUBE.COM, click here


Here's SOME of what the Credit Card Holders Bill of Rights will provide:

• Amends the Truth in Lending Act to prohibit a creditor from using information in a consumer report or any change in a consumer's credit score, as the basis for increasing any interest on the consumer's outstanding balance.
  
  
• Eliminates Universal Default.
  
  
• Restricts the frequency of over-the-limit fees.
  
  
• Requires 45 days advance notice of credit card account rate increases (up from 14 days).

DEBT WARRIORS will keep you updated on the Status of the Credit Card Holders Bill of Rights.

You may need to take some action steps in the next few months. You may need to contact U.S. Lawmakers (call write-in etc) to help get this Bill passed into a Law.

You may also want to learn more about DEBT WARRIORS 'Credit Medic Video Course'.

Credit Medic is a Video Course that teaches you to negotiate your Credit Card Debt for YOURSELF. You have the RIGHT to negotiate and settle your Credit Card Debt (for Yourself)! The Credit Medic Video Course will show you how to do it and save thousands. To learn more about Credit Medic, click here.
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Don't Let Debt Defeat you! Settle Your Debt For Yourself! Log onto www.DEBTWARRIORS.com

Credit Is NOT Sexy

What is Sexy? Most dictionary definitions of Sexy include:

• Having a sexual / sensual appeal
  
• Very attractive or appealing
  
• Being desirous to another person

Credit is NONE of the above. Credit is NOT sexy! Credit is a costly and painful trap that lures hundreds of millions of Americans into Debt.

Sasha was 31 years old and in a relationship with the man of her dreams. He was sweet, charming, funny and the 'Marrying Kind'.

After a few months of serious dating Sasha decided to take her man to meet her Mom for the Thanksgiving Holiday. Sasha lived in North Carolina and her Mom lived in Colorado. Her man worked full-time, but didn't have a lot of disposable income due to his divorce from his first wife.

Sasha decided that since she was asking him to go, she should pay. It wasn't that Sasha was rich and could afford the trip - she wasn't. But she had 3 credit cards with a lot of available Credit on each one. Sasha booked the trip on her Sky Miles Rewards Card at 18.24% Interest.

The trip to Sasha's Mom's house went lovely. So much so that Sasha's Man proposed Marriage at the Thanksgiving Dinner. Sasha had hope for this moment to arrive soon after she started dating him. Of course, she said "yes! yes!" crying with joy.

Her man wanted to put the date for the Marriage off so that he could pay for the Wedding. Sasha would have none of it. She still had 3 credit cards in good standing and was determined to get this guy to the alter to become her husband. Sasha proceeded to charge for the Church, the Wedding Invitations, and the Honeymoon.

Sasha's Man was an Army Soldier stationed at Fort Bragg, in North Carolina. To show support for her troop, Sasha charged an American Flag Bikini on her HSBC Card at 16.99%. Sasha took the picture, which her man loved and sent it to him by email. Of course he loved the picture, but was concerned about Sasha's Credit Card Balances. His first marriage ended mainly because of finances.

He was deployed to Iraq where he died in an road-side bomb attack. Sasha was devastated. She still grieves to this day for the loss of the man of her dreams.

But Sasha still had Credit issues to deal with. I was able to help her negotiate her rates lower, but I couldn't console her. Her man had learned his lessons about Credit. Sasha said that he'd always say to her "Credit is NOT Sexy". Now that he was gone Sasha had to deal with not only the loss but of the fact that she didn't listen to his advice.

Sasha charged over $16,000 on her Credit Cards. Her minimum payment for her Sky Miles card rose from $65 per month to over $140 per month. Her HSBC monthly minimum payment went from around $40 per month to $280 after she defaulted on that card.

Her creditors pretended to understand her loss, but she felt as if they were just saying "I'm sorry to hear your loss...when will you be able to pay?".

Sasha has learned that Credit is NOT sexy. She's learned that that temporary high that one receives from shopping wears off once the charges start coming in. Sasha wanted me to tell you that "Credit is NOT Sexy!"
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Don't Let Debt Defeat you! Settle Your Debt For Yourself! Log onto www.DEBTWARRIORS.com

Wall Street's Bad Dream Is A Working Class Nightmare

Some people believed that big Firms like AIG, Bear Sterns, CountryWide, Fannie Mae, Freddy Mac, and Lehman Brothers were the good guys. DEBT WARRIORS have been ridiculed like Noah before the flood. Now that it's raining debt, we hope that people will accept what we are teaching.



In his video, New York Post Journalist, Mark McCambre does a superb job of telling the story of how Lehman Brothers, Wall Street and the entire U.S. was awakened to a very bad dream. To watch the video at the NewYork Post, right click here and "open link in new tab".

Last Sunday over 10,000 people in New York went to work. Not because they had to, but because they needed to get their personal belongings. Lehman Brothers, once a Financial Goliath had fallen because it brought bad loans worth billions of dollars - from shady brokers. Potentially the problem for you is that Lehman Brothers may be connected somehow to the company you work for. This isn't fear, this is admitting the possibilities.

We hope as you read this you know that Wall Streets Bad Dream will be Main Streets Nightmare. No matter how good of a person, you are, your financial security is still at risk. We hope you understand the threat. We hope you will allow us to prepare you so you'll never be scared of debt ruining your life or your marriage.

What Can You Do?

• Educate yourself about YOUR debt.
• Be prepared to negotiate everything.
  
• Remember, Lenders and Banks are not your friends - you are just an account to them.
  
• Look for additional sources of income.
  
• Make a plan to be more self sustaining.
  
• Make a budget with room for unexpected expenses.
  
• Monitor your account statements from your Lenders closely.
  
• Don't cling too tightly to your 'ideal' of success if it primarily involves money and material things.
  
• Adjust your life-style as needed.
  
• Delete out unnecessary expenses (unless you can negotiate a sweet deal:).
  
• Be prepared - never scared!
  

If you are willing to do your part [YOUR DUTY], rest assured, that DEBT WARRIORS will be here with you and for you. We will continue to stay on the front lines helping you understand the enemy [DEBT] and it's many tricky aspects. We invite you to subscribe to this blog to the Debt Intelligence that you need to achieve financial security and liberty from debt.
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Don't Let Debt Defeat you! Settle Your Debt For Yourself! Log onto www.DEBTWARRIORS.com