Why do I need professional financial coaching?
- You are falling farther behind in your bills each month;
- You've tried "budgeting" but couldn't make it work;
- You have an empty savings account or worse, don't have one at all;
- You may pay your debts, but can't seem to make any headway toward retirement, saving for the future or your kids' education.
- You need a professional "coach" to help you implement a customized plan PROVEN to work and to secure your financial future.
Will my personal finances be kept confidential?
Absolutely. It is our policy to protect the privacy and confidentiality of each client. Your information will be shared with no one.
Do you only coach those in financial hardship?
No. We provide coaching to the financially secure as well as those with current challenges. We coach those with significant net worth to use sound principles and decision-making to manage their finances and build wealth.
Do you recommend bankruptcy?
No, we have never recommended bankruptcy to our clients. We have a proven plan that works.
Bankruptcy is listed as one of the Top 5 "Life-Altering" negative events that an individual can go through. I've never met anyone who has filed bankruptcy say, "That was the Best thing I ever did! My life is better because of Bankruptcy." Here are the facts:
- Chapter 7 Bankruptcy (total Bankruptcy) stays on your credit report for 10 years!
- Debtors often leave Bankruptcy Court with heavy financial obligations. For those debtors who file Chapter 13 , they voluntarily agree to pay some portion of their debts over a 3 to 5 year period; however, it stays on your credit report for 7 years. Two out of every Three debtors that file Chapter 13 do not make it through the repayment plan. Why? Because they fail to address the REAL problem of behavior with their money. Bankruptcy Court and attorneys will not and do not care to teach you how to manage your money.
- Many have been led to believe that filing Bankruptcy is a "Quick Fix" to their financial problems. The TRUTH is that it negatively affects so many areas of ones life such as marriage, job, and many other areas. The better option is to contact us to discover how we've helped so many others who thought bankruptcy was the only option, and discovered after meeting with our Highly Trained Financial Coaches that our PROVEN Plan is better and it WORKS!
Should I consider using Debt CONsolidation or Credit Counseling Services?
Let me answer that by asking you a question: If you were bleeding to death, would you put a band-aid on the fatal wound? OF COURSE NOT!!!! You would do whatever is necessary to stop the bleeding , but more importantly you would take the appropriate course of action to make sure you get healed completely. Yet sadly, we treat our financial problems just the opposite. People actually think these options of getting a Debt CONsolidation loan or working with a Credit Counseling Service corrects the problem when in fact all they accomplished was dealing with the symptom, not the problem of mismanaging money (BAD MONEY BEHAVIOR).
More Facts on these two BAD Choices:
- Companies promise they will lower your interest rates and payments, but fail to mention that this is done by EXTENDING your payments which KEEPS YOU IN DEBT LONGER! When you prolong your debt payoff, you pay the lender MORE money, which is why they are in the Debt CONsolidation business.
- Working with these companies will TRASH your credit in a severe way. Information on your accounts can stay on your credit report for up to SEVEN YEARS! Here's the icing on the cake...if you apply for a mortgage, you will be treated as if you had filed a Chapter 13 Bankruptcy. I wonder how much business these services would receive if they told suckers, I mean consumers this will happen.
The bottom line is that these institutions will actually leave the individual in worse shape and with more debt than was originally placed into the program. Debt CONsolidation and Credit Counseling Services do NOT work because they DO NOT address the problem. Our Certified Financial Coaches will address and teach you how to deal with your debt and develop a Strategy designed specifically for you.
