debt consolidation – Sendika12 http://sendika12.org/ Tue, 15 Mar 2022 00:02:07 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://sendika12.org/wp-content/uploads/2021/10/profile-120x120.png debt consolidation – Sendika12 http://sendika12.org/ 32 32 Bronco Partners Debt Consolidation Scam 2022 https://sendika12.org/bronco-partners-debt-consolidation-scam-2022/ Tue, 15 Mar 2022 00:02:07 +0000 https://sendika12.org/bronco-partners-debt-consolidation-scam-2022/ Ad Disclosure: We earn referral fees from advertisers. Learn more Is BroncoPartners a scam? We will let you be the judge. Bronco Partners entices you by sending you a direct mail with a “personalized invite code” and a low interest rate of 3% to 4% to consolidate your high interest credit card debt. You will […]]]>

Ad Disclosure: We earn referral fees from advertisers. Learn more

Is BroncoPartners a scam? We will let you be the judge.

Bronco Partners entices you by sending you a direct mail with a “personalized invite code” and a low interest rate of 3% to 4% to consolidate your high interest credit card debt. You will be directed to BroncoFunding.com or myBroncoPartners.com. More than likely, you will not qualify for one of their debt relief loans and they will try to switch you to a more expensive debt settlement product.

  • have you been “pre-approved” for a $70,000 loan?
  • Have you been told that your interest rate will drop from 19.90% to 3.15%?
  • Were you promised that your monthly payment would go from $1,320 to $323.40?
  • Have you been sold a monthly savings of $996.60?
  • Did you receive a letter in your mailbox from the Loan Acceptance Department?
  • Did your letter look like this?
Bronco Partners Debt Consolidation Scam 2022 1

It’s not new. Many unscrupulous debt marketing companies have used this as a business model for years. They lure you in with the low interest rate, shackle you for a week, then let you know you don’t qualify for a loan. They then offer you very expensive debt settlement options.

Bronco Partners BBB
Editorial credit: Kate Kultsevych

Is Broncos The partners Legit or a scam?

Crixeo.com rewarded Broncos The partners a 1-star rating (data collected and updated as of February 19, 2021). We hope the information below will help you make an informed decision on whether to do business with Knights Funding. We hope the information below will help you make an informed decision on whether to do business with Knights Funding.

  • Broncos The partners operates two websites, BroncosThe partners.com & myBroncos The partners.com.
  • Broncos The partners is part of a collection of almost 50 websites that we discovered. All are affiliated and listed below.
  • Our belief is that Broncos The partners operates so many different websites in order to escape the huge amount of complaints and negative articles on the internet.
  • We advise caution when working with Broncos The partners. Affiliate websites have several negative reviews and scam complaints.
  • Broncos The partners operates under the sovereign protection of the Mandan, Hidatsa and Arikara Nation (a/k/ MHA Nation), a Native American tribe.

Broncos The partners may be affiliated with the following websites:

  • Hawkeye Associates
  • Brice Capital
  • Capital of the Bruins
  • Loan Dale
  • Yellowhammer Associates
  • Big Apple Associates
  • Cornhusker Advisors
  • badger advisors
  • Rockville Advisors
  • Snowbird Partners
  • Gulf Street Advisors
  • Partners earlier
  • Old Dominion Associates
  • Harrison Funding
  • Johnson Funding
  • Taft Financial
  • Georgetown Funding
  • Memphis Associates
  • Tate Advisors
  • Patriot Funding
  • Malloy loan
  • Plymouth Associates
  • Silvertail Associates
  • Safe Path Advisors
  • Coral Funding
  • neon funding
  • Cobalt Advisors
  • Saxton Associates
  • Hornet Partners
  • Colony Associates
  • First State Associates
  • Polk Partners
  • Ladder Advisors
  • Corey Advisors
  • Pennon Partners
  • Jayhawk Advisors
  • Clay Advisors
  • Great Lakes Associates
  • Pin Advisors
  • Alamo Associates
  • punch partners
  • Partners of the Montagne Blanche
  • Steele Advisors
  • Grand Canyon Advisors
  • Loan of gliders
  • lucky marketing
  • Golden State Partners
  • Pin Advisors
  • Derby Advisors
  • Graylock Advisors
  • Tuck Associates
  • punch partners
  • Bowling Associates
  • Ballast Associates
  • Tweed Loan
  • loan competition
  • Graphite Financing
  • August Funding
  • Broadstar Financial
  • Salvation Funding
  • Stallion loan
  • Pebblestone Financial
  • Sussex funding
  • Lafayette financing
  • Funding for guardian angels
  • Bridgeline financing

Broncos The partners Reviews and Ratings

Broncos The partners and its affiliate websites are not accredited by the BBB and have been the subject of numerous complaints and negative press under various names.

MEC Distribution LLC

At one point, Broncos The partners and its affiliate website operating as MEC Distribution, LLC. The Better Business Bureau issued its first alert on this company in February 2018:

In February 2018, BBB staff visited Fargo ND addresses provided by MEC Distribution and found that all locations were vacant and building management explained that although rent was paid by MEC Distribution, the spaces in office were not used. MEC Distribution LLC has provided BBB with a mailing address for complaint handling in Bloomfield Township Michigan. BBB’s mail to this address was returned as “undeliverable as addressed – undeliverable”. Currently, BBB does not have a physical location for this business.

BBB has confirmed with the North Dakota Department of Financial Institutions that Lafayette Funding is not licensed in North Dakota as a debt settlement company. Additionally, BBB contacted building management at the Lafayette Funding Claims address in Bismarck, ND, and learned that Lafayette is not located at that address. BBB advises extreme caution when dealing with this entity.

In February 2018, BBB staff visited the Fargo ND addresses provided by MEC Distribution and found that all locations were vacant and building management explained that although rent was paid by MEC Distribution, the spaces of office were not used. MEC Distribution LLC has provided BBB with a mailing address for complaint handling in Bloomfield Township Michigan. BBB’s mail to this address was returned as “undeliverable as addressed – undeliverable”. Currently, BBB does not have a physical location for this business.

HaFinancing of the Knights BBB Reviews

You won’t find a BBB file on Financing of the Knights because the complaints haven’t started coming in yet. However, we have reviewed some complaints from its affiliate websites:

Cathy M. – 1 star review

They changed their name to Salvation Funding. After seeing this note, I understand why. I don’t know how they got my information, but they need to be stopped.

Terry W. – 1 star review

Beware of bait and switch shippers. The terms are “extremely different” from those advertised! It’s a waste of time.

My goal is to help others realize that it’s a waste of time! Pebblestone Financial’s advertisement is definitely misleading in my opinion. After my conversation with Fred, his response was, “we can definitely help you…I’ll call you tomorrow morning with the details…have a pen and paper ready to write down the numbers.” The sender includes in fine print… This review is not guaranteed if you do not meet the selected criteria.

It also further states: “This review is based on information in your credit file indicating that you meet certain criteria.” In my case, I’m not behind on payments, and neither will I be. I am current on all outstanding debts and my credit history demonstrates it. When Fred called the next morning… his terms were totally ridiculous and, in my opinion, “predatory loans”. When I asked Fred…are those the terms of Pebblestone’s offer, he said yes. I replied, I’m not interested in those terms and he hung up the phone immediately with no further conversation.

The reason I responded to Pebblestone Financial’s offer was to consolidate and simplify with one payment and take advantage of the low pre-approved average rate of 3.67%. While I currently pay between 10.9% and 12.9% to credit card companies…this offer was attractive. The sender stated in BIG BOLD PRINT: You have been pre-approved for a debt consolidation loan with a rate as low as 3.67%. The pre-approved loan amount was actually $11,500 more than my total debt consolidation.

In summary… it’s definitely a “Bait and Switch” scheme in my opinion. I checked BBB feedback before responding to this offer and have not seen any negative feedback. Now I see other very similar answers with the same “Bait and Switch” experience. Hope this helps others avoid wasting time finding out about these unethical practices of Pebblestone Financial.

The Rent-A-Tribe Program

In recent years, hiding behind the protection of a Native American tribe has been made popular by internet payday lenders. In July 2018 Charles Hallinan, “the payday loan godfather”, was sentenced to 14 years in prison for providing payday loans through the Mowachaht/Muchalaht First Nation in British Columbia. In January 2018, Scott Tucker was sentenced to more than 16 years in prison for running an illegal $3.5 billion payday loan business while operating under “sovereign immunity” from the Modoc tribe of the United States. Oklahoma and the Santee Sioux Tribe of Nebraska.

Why do we focus on Broncos The partnersThe negative reviews?

We urge you to do your own research and due diligence on Broncos The partnersespecially when it comes to your Personal finance. We urge you to be careful what you find on the Internet. Compare the good and the bad and make an informed decision. In our experience, where there is smoke…there is fire. But you make the call.

Knights Funding Review

Bronco Partner Review – Caution Notice

Bronco Partners attracts you by sending you a direct mail with a “personalized reservation code” and a low interest rate of 3% to 4% to consolidate your high interest credit card debt. You will be directed to KnightsFunding.com or myKnightsFunding.com. More than likely, you will not qualify for one of their debt relief loans and they will try to switch you to a more expensive debt settlement product.

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Will a debt consolidation loan affect my credit rating? https://sendika12.org/will-a-debt-consolidation-loan-affect-my-credit-rating/ Tue, 08 Mar 2022 18:09:05 +0000 https://sendika12.org/will-a-debt-consolidation-loan-affect-my-credit-rating/ Our goal at Credible Operations, Inc., NMLS Number 1681276, hereafter referred to as “Credible”, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders who pay us for our services, all opinions are our own. (The Credible Money Coach explains the possible […]]]>

Our goal at Credible Operations, Inc., NMLS Number 1681276, hereafter referred to as “Credible”, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders who pay us for our services, all opinions are our own.

(The Credible Money Coach explains the possible credit impact of a debt consolidation loan.)

Dear Credible Money Coach,

Is it true that when you take out a debt consolidation loan, it hurts your credit? —Twila

Hello Twila and thank you for your question. Debt consolidation affects your credit differently depending on how you structure it and manage loan repayments. This can be a smart way to manage multiple high interest debts without hurting your finances.

If you’re considering a personal loan for debt consolidation, compare rates from multiple lenders to get the best deal. Credible, it’s easy to view your prequalified personal loan rates in minutes.

Why do people consolidate their debts?

When you consolidate debt, you open a new credit account, such as a personal loan, credit card, or home equity loan, to repay several existing debts. This leaves you with one payment instead of multiple accounts to manage.

If you have good credit, you may be able to get an interest rate that’s lower than the combined effective rate you’re paying on multiple debts. This saves money in the long run.

Ways to Consolidate Debt

There are several options for consolidating debt, including:

Each of these options has advantages and disadvantages. For example, personal loan interest rates are generally lower than credit card rates. But if you continue to incur credit card charges, you could go into more debt.

Doing a 0% balance transfer could save you interest for 12 months or more. But if you don’t repay the entire balance before the end of the promotional period, the interest rate could increase significantly.

If you sign up for a debt management plan with a credit counselor, they can negotiate with your creditors to pay less than you owe, lower your interest rate, or extend your repayment period. But if you can’t repay a debt management plan as agreed, your credit may suffer.

The risks of a loan buy-back

A debt consolidation loan can lower your credit scores in the short term. This is because new credit applications cause your scores to drop. And if you use the loan to pay off a credit card and then close it, you reduce your total available credit, which leads to lower credit scores. (It’s best to keep a paid credit card open so you have more credit available in your name.)

However, if you make your new loan payments on time each month, your credit should recover fairly quickly from the slight hit it took when you opened the loan.

Should you get a debt consolidation loan?

A debt consolidation loan is not for everyone. I advise you to think twice before emptying a retirement account to pay off debt or putting your home at risk with a home equity loan or line of credit.

And if bad spending habits are causing your debt, working with a qualified credit counselor to improve your financial habits may be more helpful than lowering your interest rate with a debt consolidation loan.

If you decide a personal loan is right for you, Credible can help. compare personal loan rates from multiple lenders without hurting your credit.

Ready to know more? Check out these articles…

Need Credible® advice for a money-related question? Email our credible financial coaches at moneyexpert@credible.com. A Money Coach could answer your question in a future column.

This article is intended for general information and entertainment purposes. Use of this site does not create a professional-client relationship. Any information found on or derived from this website should not replace and should not be taken as legal, tax, real estate, financial, risk management or other professional advice. If you require such advice, please consult a licensed or competent professional before taking any action.

______

About the Author: Laura Adams is a personal finance and small business expert, award-winning author and host of silver girl, a weekly audio podcast and top notch blog. She is frequently quoted in the national media and millions of readers and listeners benefit from her practical financial advice. Laura’s mission is to empower consumers to live richer lives through her work as a speaker, spokesperson and advocate. She earned an MBA from the University of Florida and lives in Vero Beach, Florida. Follow her on LauraDAdams.com, instagram, Facebook, Twitterand LinkedIn.

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Debt consolidation market by 2029 https://sendika12.org/debt-consolidation-market-by-2029/ Wed, 02 Mar 2022 09:16:18 +0000 https://sendika12.org/debt-consolidation-market-by-2029/ Debt Consolidation market research report provides all the insights related to the industry. It gives the market insights by giving its client the authentic data that helps them to make essential decisions. It provides an overview of the market which includes its definition, applications and developments, and manufacturing technology. This debt consolidation market research report […]]]>

Debt Consolidation market research report provides all the insights related to the industry. It gives the market insights by giving its client the authentic data that helps them to make essential decisions. It provides an overview of the market which includes its definition, applications and developments, and manufacturing technology. This debt consolidation market research report tracks all the recent developments and innovations in the market. It gives the data regarding the hurdles while establishing the business and guides to overcome the upcoming challenges and hurdles.

Get the sample PDF copy (including full TOC, charts and tables) of this report @: https://www.a2zmarketresearch.com/sample-request/367421

Competitive Landscape:

This Debt Consolidation research report sheds light on the major market players thriving in the market; it tracks their business strategies, financial status, and upcoming products.

Some of the top companies influencing this market include: Mozo, Canstar, Credit Repair Australia, Australian Debt Agreements, Think Money, Debt Negotiators, The DCS Group has, Debt Cutter, Sort My Debt, Clear Credit Solutions, Australian Debt Solvers, Australian Lending Center.

Market scenario:

Firstly, this Debt Consolidation research report introduces the market by providing an overview which includes definition, applications, product launches, developments, challenges, and regions. The market is expected to show strong development thanks to stimulated consumption in various markets. An analysis of current market designs and other basic characteristics is provided in the Debt Consolidation report

Regional coverage:

The regional coverage of the market is mentioned in the report, mainly focusing on the regions:

  • North America
  • South America
  • Asia and Pacific Region
  • Middle East and Africa
  • Europe

Market segmentation analysis

The market is segmented on the basis of type, product, end users, raw materials, etc. segmentation helps provide an accurate explanation of the market

Market Segmentation: By Type

Credit card debt, overdrafts or loans, other

Market Segmentation: By Application

Company, Private

Get up to 30% off the first purchase of this report @: https://www.a2zmarketresearch.com/discount/367421

An assessment of the attractiveness of the market with regard to the competition that new players and products are likely to present to older ones has been provided in the publication. The research report also mentions the innovations, new developments, marketing strategies, branding techniques, and products of key players present in the global Debt Consolidation market. To present a clear view of the market, the competitive landscape has been thoroughly analyzed using value chain analysis. The opportunities and threats present in the future for the major market players have also been highlighted in the publication.

This report aims to provide:

  • A qualitative and quantitative analysis of current trends, dynamics and estimates from 2022 to 2029.
  • Analytical tools such as SWOT analysis, Porter’s five forces analysis are used, which explains the ability of buyers and suppliers to make profit-oriented decisions and strengthen their business.
  • The in-depth market segmentation analysis helps to identify existing market opportunities.
  • Ultimately, this debt consolidation report saves you time and money by providing unbiased information under one roof.

Contents

Global Debt Consolidation Market Research Report 2022-2029

Chapter 1 Debt Consolidation Market Overview

Chapter 2 Global Economic Impact on Industry

Chapter 3 Global Market Competition by Manufacturers

Chapter 4 Global Production, Revenue (Value) by Region

Chapter 5 Global Supply (Production), Consumption, Export, Import by Regions

Chapter 6 Global Production, Revenue (Value), Price Trend by Type

Chapter 7 Global Market Analysis by Application

Chapter 8 Manufacturing Cost Analysis

Chapter 9 Industrial Chain, Sourcing Strategy and Downstream Buyers

Chapter 10 Marketing Strategy Analysis, Distributors/Traders

Chapter 11 Market Effect Factors Analysis

Chapter 12 Global Debt Consolidation Market Forecast

Buy an exclusive report: https://www.a2zmarketresearch.com/checkout

If you have any special requirements, please let us know and we will offer you the report you want.

About A2Z Market Research:

The A2Z Market Research Library provides market research syndication reports from around the world. Buy-ready syndication Market research will help you find the most relevant business intelligence.

Our research analyst provides business insights and market research reports for large and small businesses.

The company helps its clients to develop business policies and grow in this market. A2Z Market Research is interested not only in industry reports dealing with telecommunications, healthcare, pharmaceuticals, financial services, energy, technology, real estate, logistics, F&B , media, etc., but also your company data, country profiles, trends, information. and analysis on the sector that interests you.

Contact us:

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+1 775 237 4147

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Alternatives to Debt Consolidation Loans https://sendika12.org/alternatives-to-debt-consolidation-loans/ Fri, 25 Feb 2022 08:00:00 +0000 https://sendika12.org/alternatives-to-debt-consolidation-loans/ Debt consolidation loans are personal loans used to merge high interest debts such as credit cards, payday loans or other bills into a brand new fixed rate loan. Once you have received the funds for this loan, they are used to pay off your other debts. If you pay off the loan on time, get […]]]>

Debt consolidation loans are personal loans used to merge high interest debts such as credit cards, payday loans or other bills into a brand new fixed rate loan. Once you have received the funds for this loan, they are used to pay off your other debts. If you pay off the loan on time, get a lower interest rate, and don’t incur any additional debt that you can’t handle, you might be able to pay off your debt faster and save a ton of money on interest.

However, while using these loans is a good way to consolidate payments and hopefully lower the interest rate on your debt, there are several debt consolidation loan alternatives for people who don’t. may not qualify for a debt consolidation loan or those looking for lower interest rates. .

Debt Consolidation Loan Alternatives

A debt consolidation loan is not for everyone. Since debt consolidation loans are unsecured personal loans, lenders may have stricter eligibility criteria or the loans may not be large enough for the types of debts you are trying to consolidate. Here are some debt consolidation loan alternatives:

  1. Balance Transfer Credit Card: A balance transfer card allows you to transfer debt from other credit cards – usually credit cards from other companies only – or use a balance transfer check to combine other forms of debt into one 0% interest rate. This promotional low rate period typically lasts 12-21 months, and a good to excellent credit rating is required for approval. Once the introductory period is over, you will be responsible for paying the card’s standard interest rate on the remaining balance. Additionally, most cards will charge you a balance transfer fee on the total amount you transfer, usually 2-5%.
  2. Home equity loan or HELOC: Home equity loans and home equity lines of credit (HELOCs) allow you to borrow against the equity in your home. While a home loan has fixed monthly payments at a fixed interest rate, a HELOC works like a credit card and has a variable interest rate. Both can be used to consolidate high-interest debt, but you risk losing your home if you can’t pay them off. Also, both require you to have some equity in your home. Compared to debt consolidation loans, home equity loans and HELOCs often have longer repayment periods, larger loan amounts, and lower interest rates.
  3. Refinancing by collection: A cash-out refinance replaces your existing mortgage with a brand new mortgage for more than your current outstanding balance. You can withdraw the difference between the two balances and use it to improve your home or consolidate your debts. As with using a home equity loan or HELOC, you risk losing your home if you cannot repay your new loan.
  4. Debt settlement: Debt settlement takes place when you negotiate with your lender to pay less than what is owed to settle the debt. You can negotiate with the debtor yourself or pay a fee to a debt settlement company or lawyer to negotiate on your behalf. Even if you, a lawyer, or a business successfully negotiate a settlement, your credit score can take a hit.
  5. Bankruptcy: Filing for bankruptcy involves going to federal court to have your debts canceled or reorganized to give you time to pay them off. While you can pay off your medical debt, personal loans, and credit card debt in the event of bankruptcy, paying off your student loans and tax debt is incredibly difficult. Before choosing this alternative, keep in mind that your credit score will take a hit; it may take years for him to recover.

The bottom line

While using a debt consolidation loan to merge your high-interest debts might make financial sense if you can get a lower interest rate, it’s not your only option. In some cases, choosing an alternate route may be a better choice. For example, you might be able to get a lower rate by taking out a home equity loan, since it’s a secured loan backed against your home.

However, it is also important to know the risks involved in choosing such an alternative. Shop around the different options and compare interest rates, repayment terms, and the trade-offs you’ll make with each before continuing.

Learn more:

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Is using a consolidation or debt settlement company a good idea? https://sendika12.org/is-using-a-consolidation-or-debt-settlement-company-a-good-idea/ Mon, 21 Feb 2022 23:40:00 +0000 https://sendika12.org/is-using-a-consolidation-or-debt-settlement-company-a-good-idea/ Dear Dave, I’ve seen a lot of ads lately for debt consolidation companies, debt settlement companies and HELOC. Are any of these methods for reducing debt a good idea? — Brant Dear Brant, No. These are all bad ideas when it comes to getting out of debt. There’s a lot of noise these days about […]]]>

Dear Dave,

I’ve seen a lot of ads lately for debt consolidation companies, debt settlement companies and HELOC. Are any of these methods for reducing debt a good idea?

— Brant

Dear Brant,

No. These are all bad ideas when it comes to getting out of debt. There’s a lot of noise these days about all the ‘quick’ and ‘easy’ ways to clean up debt and take control of your finances. But the truth is that neither is ever easy. If something sounds too good to be true, it probably is.

Debt consolidation is basically a loan that consolidates all your debts into one payment. Sounds like a great idea at first, right? But then you discover that the life of your loans increases, which means that you will remain in debt even longer than before. The low interest rate that seems so attractive at first also increases over time. Extending the length of time you pay off your debts, on top of adding interest, is just plain stupid.

Debt settlement companies are terrible. These seedy outfits will charge you a fee and then promise to negotiate with your creditors to reduce what you owe. In most cases, they take your money upfront, do a poor job of “negotiating” your debt, and leave you responsible for what’s left.

A home equity line of credit (HELOC) is also a bad idea. With a HELOC, you borrow against your home. Plus, you risk losing your home if you can’t pay it off on time.

All of these plans are really just gimmicks that only treat the symptoms of your money problems. They never help you solve the root problem of why you landed there in the first place. Personal finance is still 80% behavioral and 20% mental knowledge. You need to change your behavior if you want to have a positive and lasting impact on your finances.

— Dave

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Knights Funding Debt Consolidation Scam 2022 https://sendika12.org/knights-funding-debt-consolidation-scam-2022/ Sat, 19 Feb 2022 22:48:00 +0000 https://sendika12.org/knights-funding-debt-consolidation-scam-2022/ Editorial credit: Cinemato Ad Disclosure: We earn referral fees from advertisers. Learn more Is Knights Funding a scam? We will let you be the judge. Knights Funding entices you by sending you a direct mail with a “personalized reservation code” and a low interest rate of 3% to 4% to consolidate your high interest credit […]]]>
Editorial credit: Cinemato

Ad Disclosure: We earn referral fees from advertisers. Learn more

Is Knights Funding a scam? We will let you be the judge.

Knights Funding entices you by sending you a direct mail with a “personalized reservation code” and a low interest rate of 3% to 4% to consolidate your high interest credit card debt. You will be directed to KnightsFunding.com or myKnightsFunding.com. More than likely, you will not qualify for one of their debt relief loans and they will try to switch you to a more expensive debt settlement product.

It’s not new. Many unscrupulous debt marketing companies have used this as a business model for years. They lure you in with the low interest rate, shackle you for a week, then let you know you don’t qualify for a loan. They then offer you very expensive debt settlement options.

Knights Funding Debt Consolidation Scam 2022 2

Is Knights Funding legit or a scam?

Crixeo.com rewarded Financing of the Knights a 1-star rating (data collected and updated as of February 19, 2021). We hope the information below will help you make an informed decision on whether to do business with Knights Funding. We hope the information below will help you make an informed decision on whether to do business with Knights Funding.

  • Financing of the Knights operates two websites, KnightsFunding.com & Funding myKnights.com.
  • Financing of the Knights is part of a collection of almost 50 websites that we discovered. All are affiliated and listed below.
  • Our belief is that Financing of the Knights operates so many different websites in order to escape the huge amount of complaints and negative articles on the internet.
  • We advise caution when working with Financing of the Knights. Affiliate websites have several negative reviews and scam complaints.
  • Financing of the Knights operates under the sovereign protection of the Mandan, Hidatsa and Arikara Nation (a/k/ MHA Nation), a Native American tribe.

Financing of the Knights may be affiliated with the following websites:

Financing of the Knights Reviews and Ratings

Financing of the Knights and its affiliate websites are not accredited by the BBB and have been the subject of numerous complaints and negative press under various names.

MEC Distribution LLC

At one point, Financing of the Knights and its affiliate website operating as MEC Distribution, LLC. The Better Business Bureau issued its first alert on this company in February 2018:

In February 2018, BBB staff visited Fargo ND addresses provided by MEC Distribution and found that all locations were vacant and building management explained that although rent was paid by MEC Distribution, the spaces in office were not used. MEC Distribution LLC has provided BBB with a mailing address for complaint handling in Bloomfield Township Michigan. BBB’s mail to this address was returned as “undeliverable as addressed – undeliverable”. Currently, BBB does not have a physical location for this business.

BBB has confirmed with the North Dakota Department of Financial Institutions that Lafayette Funding is not licensed in North Dakota as a debt settlement company. Additionally, BBB contacted building management at the Lafayette Funding Claims address in Bismarck, ND, and learned that Lafayette is not located at that address. BBB advises extreme caution when dealing with this entity.

In February 2018, BBB staff visited the Fargo ND addresses provided by MEC Distribution and found that all locations were vacant and building management explained that although rent was paid by MEC Distribution, the spaces of office were not used. MEC Distribution LLC has provided BBB with a mailing address for complaint handling in Bloomfield Township Michigan. BBB’s mail to this address was returned as “undeliverable as addressed – undeliverable”. Currently, BBB does not have a physical location for this business.

HaFinancing of the Knights BBB Reviews

You won’t find a BBB file on Financing of the Knights because the complaints haven’t started coming in yet. However, we have reviewed some complaints from its affiliate websites:

Cathy M. – 1 star review

They changed their name to Salvation Funding. After seeing this note, I understand why. I don’t know how they got my information, but they have to stop.

Terry W. – 1 star review

Beware of bait and change sender. The terms are “extremely different” from those advertised! It’s a waste of time.

My goal is to help others realize that it’s a waste of time! Pebblestone Financial’s advertisement is definitely misleading in my opinion. After my conversation with Fred, his response was, “we can definitely help you…I’ll call you tomorrow morning with the details…have a pen and paper ready to write down the numbers.” The sender includes in fine print… This review is not guaranteed if you do not meet the selected criteria.

It also further states: “This review is based on information in your credit file indicating that you meet certain criteria.” In my case, I’m not behind on payments, and neither will I be. I am current on all outstanding debts and my credit history demonstrates it. When Fred called the next morning… his terms were totally ridiculous and, in my opinion, “predatory loans”. When I asked Fred…are those the terms of Pebblestone’s offer, he said yes. I replied, I’m not interested in those terms and he hung up the phone immediately with no further conversation.

The reason I responded to Pebblestone Financial’s offer was to consolidate and simplify with one payment and take advantage of the low pre-approved average rate of 3.67%. While I currently pay between 10.9% and 12.9% to credit card companies…this offer was attractive. The sender stated in BIG BOLD PRINT: You have been pre-approved for a debt consolidation loan with a rate as low as 3.67%. The pre-approved loan amount was actually $11,500 more than my total debt consolidation.

In summary… it’s definitely a “Bait and Switch” scheme in my opinion. I checked BBB feedback before responding to this offer and have not seen any negative feedback. Now I see other very similar answers with the same “Bait and Switch” experience. Hope this helps others avoid wasting time finding out about these unethical practices of Pebblestone Financial.

The Rent-A-Tribe Program

In recent years, hiding behind the protection of a Native American tribe has been made popular by internet payday lenders. In July 2018 Charles Hallinan, “the payday loan godfather”, was sentenced to 14 years in prison for providing payday loans through the Mowachaht/Muchalaht First Nation in British Columbia. In January 2018, Scott Tucker was sentenced to more than 16 years in prison for running an illegal $3.5 billion payday loan business while operating under “sovereign immunity” from the Modoc tribe of the United States. Oklahoma and the Santee Sioux Tribe of Nebraska.

Why do we focus on Financing of the KnightsThe negative reviews?

We urge you to do your own research and due diligence on Financing of the Knightsespecially when it comes to your Personal finance. We urge you to be careful what you find on the Internet. Compare the good and the bad and make an informed decision. In our experience, where there is smoke…there is fire. But you make the call.

Knights Funding Review

Knights Funding Review – Cautionary Notice

Knights Funding entices you by sending you a direct mail with a “personalized reservation code” and a low interest rate of 3% to 4% to consolidate your high interest credit card debt. You will be directed to KnightsFunding.com or myKnightsFunding.com. More than likely, you will not qualify for one of their debt relief loans and they will try to switch you to a more expensive debt settlement product.

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Panama City debt consolidation lawyers predict surge in bankruptcy filings https://sendika12.org/panama-city-debt-consolidation-lawyers-predict-surge-in-bankruptcy-filings/ Thu, 17 Feb 2022 17:31:48 +0000 https://sendika12.org/panama-city-debt-consolidation-lawyers-predict-surge-in-bankruptcy-filings/ Panama City, Florida. – At the start of 2020, the number of bankruptcy filings began to decline and continued to do so as the coronavirus pandemic swept the world. At any rate, local debt consolidation lawyers Lewis and Jurnovoy theorize that despite low filing numbers throughout 2020 and 2021, rising credit balances last year could […]]]>

Panama City, Florida. – At the start of 2020, the number of bankruptcy filings began to decline and continued to do so as the coronavirus pandemic swept the world. At any rate, local debt consolidation lawyers Lewis and Jurnovoy theorize that despite low filing numbers throughout 2020 and 2021, rising credit balances last year could signal a dramatic shift in the other direction in 2022.

Many people didn’t want to risk taking out new loans or increasing their debt levels with the stability of the economy in question for most of 2020. However, Erica Giovanetti, personal finance reporter for Fox Business, said in a item early February that “as the country’s economy comes back to life and unemployment rates return to pre-pandemic levels, consumers are returning to old borrowing habits. Revolving credit balances increased nearly every month of 2021, from $961.5 billion in January to $1.04 trillion in November. This suggests that consumers have higher balances on their credit cards, car loans and personal loans. »

With credit balances soaring and eviction bans and foreclosure moratoriums no longer in place in 2022, Lewis and Jurnovoy speculate that the country could see the number of bankruptcy filings start to rise d shortly.

For those who need help with debt relief, Lewis and Jurnovoy offer free appointments to anyone considering filing for bankruptcy. the experienced bankruptcy attorneys at Lewis and Jurnovoy can help you with many different types of debt, as well as a variety of financial levels. They work tirelessly to find the best financial solution for each client. For more information on bankruptcy help in or around Panama City, call Lewis and Jurnovoy at (850) 913-9110 or visit them online at www.LewisandJurnovoy.com.

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For more information about Lewis & Jurnovoy, PA – PCB, contact the company here:

Lewis & Jurnovoy, Pennsylvania – PCB
steven jurnovoy
(850) 913-9110
[email protected]
2714 West 15th Street
Panama City, Florida 32401

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Affordable debt consolidation https://sendika12.org/affordable-debt-consolidation/ Wed, 16 Feb 2022 23:09:09 +0000 https://sendika12.org/affordable-debt-consolidation/ Credit card spending has increased in the United States due to financial constraints caused by COVID-19. Texas leads the pack behind California for states with the highest increase in credit card debt, according to a Sept. 21 study by WalletHub. And low mortgage interest rates haven’t translated into low credit card interest rates. Surprisingly, the […]]]>

Credit card spending has increased in the United States due to financial constraints caused by COVID-19. Texas leads the pack behind California for states with the highest increase in credit card debt, according to a Sept. 21 study by WalletHub. And low mortgage interest rates haven’t translated into low credit card interest rates. Surprisingly, the median interest rate on all credit cards in the Investopedia Card Database for October 2021 is 19.49%.

These high interest rates can create financial hardship for people who have significant credit card debt. High payments can make it impossible to cover rising living expenses. Debtors who have fallen behind face relentless collection calls and sometimes debt collection lawsuits. Fortunately, there are solutions to this crippling debt. Let’s look at the most common options.

Secured or unsecured debt consolidation loans:

Unsecured debt consolidation loans involve taking out a low interest loan to pay off higher interest credit card debt. Since these loans have no collateral that the lender can seize or repossess, they require high credit scores and excellent debt-to-income ratios to reduce their risk. Most secured debt consolidation loans use home equity as collateral. In Texas, your home must be maintained at less than 80% when using equity, so not all of the equity is available through a refinance or 2nd mortgage . However, if you have sufficient equity, the credit score requirements are lower than for an unsecured loan because your home is collateral.

Debt management plan with credit counseling:

A credit counseling program can offer some of the benefits of a debt consolidation loan, including the need to make one monthly payment and lower interest rates. There is no need to take out a new loan since the rates on your existing debts are reduced, so good credit scores are not required, but you must afford the monthly payments. However, this is considered a “hard” program, so if you want to take on more debt (and have the ability to pay for it), then this is not a program you should consider. Based on your current interest

rate, the monthly payment is likely to be lower than your combined minimum payments, and these programs are designed to pay off the debt in about five years or less.

Debt Negotiation for Debt Relief

Debt negotiation, also known as debt settlement, is another common way to resolve crippling credit card debt and personal loans. This is a hardship program, and similar to credit counseling, it is not an option if you plan to apply for more debt before completing the program. These programs are usually structured to last around 24 to 48 months, depending on your monthly budget and negotiated amounts. Monthly program payments can cost less than half of minimum payments. A reputable program will not charge trading fees until a debt is settled.

The savings are the result of not making monthly payments to your creditors. Instead, money is deposited in an FDIC-insured special purpose account while debts are negotiated and settled for less than the total balances, one at a time. The program is ideal for those who are about to fall behind or those who have already fallen behind, as failure to make minimum payments will negatively affect a credit score. However, it can be a great alternative to bankruptcy, and since the program can be completed much faster than most other options, you can also start rebuilding your credit score quickly. All debt negotiation programs are not created equal. Debt Redemption trading fees are often 20-40% lower than foreign firms. They also have special resources to help Texans who have been sued by a creditor or debt collector.

Chapter 7 or 13 Bankruptcy:

Bankruptcy may be the shortest and cheapest way to settle a debt if you can qualify for Chapter 7. Many people with large incomes or non-exempt assets have issues that prevent Chapter 7 filing and Chapter 13 might be the only form of bankruptcy available. In some cases Chapter 13 will be more expensive than a debt negotiation program, and in other cases it will be less expensive. If you are considering this option, consultation with a Texas bankruptcy attorney is necessary. Debt Buyback does not provide legal advice.

Get Free Debt Relief Consolidation

Affordable Debt Consolidation in San Antonio, TX also has several offices in the Lone Star State to help Texans struggling with crippling debt. If you’re considering debt consolidation loans, credit counseling, or debt settlement, a Texas Debt Specialist can provide you with a free, no-obligation phone or office consultation. We can also refer to Texas bankruptcy attorneys when needed. Learn about your options for resolving your debt today so you can start living your debt-free life. Call 800-816-1003 or visit https://affordabledebtconsolidation.com

For more coastal life, visit our website or follow our Facebook and Instagram.

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The pros and cons of home equity loans versus HELOCs https://sendika12.org/the-pros-and-cons-of-home-equity-loans-versus-helocs/ Wed, 16 Feb 2022 19:00:00 +0000 https://sendika12.org/the-pros-and-cons-of-home-equity-loans-versus-helocs/ Enter Wall Street with StreetInsider Premium. Claim your one week free trial here. NEW YORK, Feb. 16 12, 2022 (GLOBE NEWSWIRE) — A home equity loan and a home equity line of credit (HELOC) are two entirely different products, each with their own advantages and disadvantages. Ultimately, the pros and cons vary from person to […]]]>

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NEW YORK, Feb. 16 12, 2022 (GLOBE NEWSWIRE) — A home equity loan and a home equity line of credit (HELOC) are two entirely different products, each with their own advantages and disadvantages. Ultimately, the pros and cons vary from person to person and may also depend on current rates. You should check the latest rates on lenders’ websites, such as Discover’s Current Home Equity Loan Rates.

Advantages and disadvantages of home equity loans

Home equity loans offer a fixed interest rate, so monthly payments don’t change and stay the same for a set period of time. Home equity loans are typically used to consolidate debt, make home improvements, or finance one-time major expenses. Home equity loan terms tend to last anywhere from 10 to 30 years.

ADVANTAGES

  • Fixed interest rates, which means the home equity loan rates and payment amount remain the same for the life of the loan.
  • Borrowers receive the funds in a lump sum at closing which can be used for a variety of different needs like home improvement, debt consolidation, weddings, etc.

THE INCONVENIENTS

  • Home equity loans are a lump sum, while HELOCs provide funds as needed.
  • Since the rates are fixed, the rate may be higher than the initial HELOC variable rate

Advantages and disadvantages of HELOC

A HELOC works like a credit card. The owner is given a credit limit (which is usually based on their net worth) and can withdraw as much as they want during a drawdown period. Usually, HELOCs have a drawing period of 5 to 10 years and repayment terms of up to 20 or 30 years.

ADVANTAGES

  • Owners only pay interest on what they withdraw.
  • Typically, initial interest rates will start lower than home equity loans, but may increase.
  • The credit rotates as the principal balance is paid off, providing flexibility to access funds as needed. The principal balance is the amount owing before interest.
  • Can be used for a variety of reasons similar to home equity loans.

THE INCONVENIENTS

  • The interest rates are variable and not fixed, which means that they can increase, as well as the amount of the monthly payments.
  • Generally speaking, HELOCs can be riskier for those who lack financial discipline given their variable interest rates and payment amounts.
  • The revolving credit allows the balance to be carried over to the next month, and the owner can decide to pay a minimum instead of the balance. This means that it will accrue interest on top of the principal balance, which may accumulate over time.

Conclusion

Home equity loans are often used for large one-time expenses and home improvements, while HELOC loans are often best suited for those who need an extra line of credit with a relatively low interest rate. .

Both home equity loans and HELOCs can be helpful depending on each homeowner’s situation. It is important to understand that they both use a home as collateral and it never hurts to consult a licensed professional for any financial advice.

Contact: michael.bertini@iquanti.com

This content was posted through the press release distribution service on Newswire.com.

Source: Discover Home Loans

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How to Choose a Debt Consolidation Loan Lender https://sendika12.org/how-to-choose-a-debt-consolidation-loan-lender/ Wed, 16 Feb 2022 13:11:34 +0000 https://sendika12.org/how-to-choose-a-debt-consolidation-loan-lender/ The most popular debt that people often consolidate is credit card debt, usually because it has very high interest rates. However, people can also consolidate other types of debt, such as payday loans, personal loans, and medical bills, so how do you settle with a debt consolidation loan lender? Is it a good idea to […]]]>

The most popular debt that people often consolidate is credit card debt, usually because it has very high interest rates. However, people can also consolidate other types of debt, such as payday loans, personal loans, and medical bills, so how do you settle with a debt consolidation loan lender?

Is it a good idea to consolidate your debts?

A debt consolidation loan is a personal loan, in most cases not everyone has the creditworthiness to qualify for such a loan. First, you need to check if you qualify for an affordable personal loan. Second, depending on the amount of the loan and the company (lender), a debt consolidation loan can be expensive in the long run. For example, taking out a debt consolidation loan allows you to repay it to a single lender. You may be making large payments over a long period of time, which may require you to pay in the long run.

Finally, if you are having difficulty repaying your current debts, will you be able to pay the debt consolidation loan? You need to look at your income and see how much money you have available and whether you can comfortably afford the debt consolidation loan repayments.

When is a debt consolidation loan a good idea?

A debt consolidation the loan is a good idea if:

  • You have a good cash who can pay the monthly debt payments
  • Your monthly debt payments (including mortgage or rent) do not exceed 50% of your monthly gross income
  • You have sufficient credit to qualify for a low interest debt consolidation loan or a 0% credit card
  • You can pay off your debt consolidation loan in five years or less

If you think debt might be another challenge, the best thing to do is talk to a financial adviser before doing anything.

How to choose a debt consolidation loan lender?

Since debt consolidation is not free, you need a debt consolidation loan that fits your budget and helps you achieve your financial goal of eliminating debt. Before giving you a loan, many lenders often pre-qualify you without investigating your credit. Information from prequalifications can give you an idea of ​​the loan amount, rate, and term you might qualify for if your application is approved.

To choose a loan consolidation lender, you can use the pre-qualification information to compare your options and decide which lender is right for you based on different factors such as:

  • Loan cost: The cost of the loan, including organization and other fees, is a determining factor in the qualification of your loan. High fees can outweigh the benefits of getting a consolidation loan.
  • Annual percentage rates (APR): Lenders use your credit score and other financial factors to determine your APR or the interest you pay per month.
  • Characteristics of the lender: Research the lender and learn about their ratings, credit monitoring, hardship programs and customer service. Find out if you can trust them and whether or not you will be comfortable doing business with them.

Endnote

If you decide to consolidate your debts with a debt consolidation loan, it is important to take the time to research your options. Make sure that the loan will meet your budget requirements and help eliminate debt. Don’t settle for a high APR that could affect your overall financial goals.

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