accs free info kit
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American Credit Card Solutions Free Information Kit. Please call 866-895-6419 for more information or for a no obligation consultation.TRANSCRIPT
2 HaveQuestions?Call1-866-895-6419forfreeinitialConsultationtoday
ameriCanCreditCardsolutions
importantinformationaboutthisKit
Pleasenotethattheinformationcontainedhereinissolelyintendedforeducationalandinformational
purposes.itisnotintendedtobereliedonaslegaladvice,orbeusedinamannerspecifictoany
personalsituation.Byacceptingandreviewingthisinformation,thereaderagreesnottorelyonsuch
foranythingotherthangeneralinformationabouthowcertainprogramswork,andagreesthatno
relationshiporobligation,eitherexpressorimplied,arisesbetweenthepublisher,distributorandthe
reader.thereaderisexpresslyencouragedtoseekprofessionalguidancespecifictotheirsituation
priortomakinganydecisionaboutprogramsorsuitabilityofsuch.thispacketofinformationisnot
legaladvice,anddoesnotprovidebankruptcyadviceorcounseling,butifsuchisrequiredthereader
shouldconsultwithanattorneylicensedintheirjurisdiction.
allinformationcontainedhereiniscopyrighted
©2010americanCreditCardsolutions,d/b/aProdebtco,llC
allrightsreserved.reprint,republicationordistributioninwholeorpartprohibited.
HaveQuestions?Call1-866-895-6419forfreeinitialConsultationtoday 3
introduCtoryPaCKage
American Credit Card
Solutions takes a
consultative approach
in helping people find
the best solution to their
debt problem. For this
reason, we have offered
this free Information Kit
for those seeking help.
Get the help you deserve
to pick the best available
option. Learn how to free
yourself of credit card
debt once and for all.
We will complete a
creditor and budget
analysis for absolutely
free. Once completed, we
will clearly explain your
options and give you the
information you need
to make an educated
decision.
No Hard Sell
No Pressure
Just the Facts
Table of ConTenTsintroduction 4
lawfirmlossmitigationProgram 5
debtmanagementProgram 7
debtConsolidationloan 9
Bankruptcy 11
maintainminimummonthlyPayments 13
5stepstosuccess 15
BudgetWorksheet 16
notes 17
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ameriCanCreditCardsolutions
Congratulations and thank you for calling American Credit Card Solutions for your Debt Relief Information Kit.
Take the First Step!
Call today!1-866-895-6419
InTroduCTIon
Congratulations on taking the first step towards solving your credit card and/or other unsecured debt problem.
thisfreeinformationkitprovidesyouwiththebasicinformationyouneedtoselectthebestavailable
optiontoimproveyourpersonalfinancialsituation.
formostconsumersfacingfinancialhardshipcompoundedbysignificantcreditcarddebt,medicalbills,
orotherunsecureddebts,thereareseveraloptionsavailable:
• lawfirmlossmitigationProgram
• debtmanagementorConsumerCreditCounselingProgram
• debtConsolidationloan
• maintainminimummonthlyPayments
• Bankruptcy
therearemanyfactorstoconsiderwhendecidingwhichmethodofdebtresolutionisthebestforyou.
identifyingthebestapproachtoresolvingyourdebtcrisisdependsonthefollowing:
• typeofdebt • Creditorsowed
• amountofdebt • debthistory
• abilitytopay • valueofyourassetsandliabilities
Withsomanyvariables,decidingwhichprogramisbestforyoursituationcanbedifficult,ifnot
overwhelming.thisfeelingofbeingoverwhelmedoftenleadstoasenseofhelplessness.don’tallow
yourselftobeavictimof“paralysisbyanalysis”.encourageyourselftomethodicallyreadandstudythe
factspresentedinthisinformationKit.then,justasyouwouldwithanyimportantdecision,enrolla
trustedresourcetotalkthroughtheprosandconsofeachoption.inthedecision-makingprocess,there
isnosubstituteforhealthydiscussionwithsomeonewhotrulycaresaboutyoursituation.
DiD you know?Penalty fees from credit cards will add up to about $20.5 billion
in 2009, according to R. K. Hammer, a consultant to the credit card
industry. (Source: New York Times, September 2009)
4 HaveQuestions?Call1-866-895-6419forfreeinitialConsultationtoday HaveQuestions?Call1-866-895-6419forfreeinitialConsultationtoday 5
introduCtoryPaCKage
American Credit Card
Solutions takes a
consultative approach
in helping people find
the best solution to their
debt problem. For this
reason, we have offered
this free Information Kit
for those seeking help.
Get the help you deserve
to pick the best available
option. Learn how to free
yourself of credit card
debt once and for all.
We will complete a
creditor and budget
analysis for absolutely
free. Once completed, we
will clearly explain your
options and give you the
information you need
to make an educated
decision.
No Hard Sell
No Pressure
Just the Facts
law fIrm loss mITIgaTIon Program
This program is designed for people who are overwhelmed with credit card or other unsecured debt.
inthisprogram,youwouldbereferredtoalawfirmtoactonyourbehalftonegotiatewitheachofyour
creditorstosettleorforgiveaportionofyourdebt.thisdebtreliefoptioncanbringpowerfulresultsfor
qualifiedcandidateswhocompletetheprogram.
Benefits
•Paysignificantlyless(savingsmaybeashighas60%)*
•lowmonthlyprogrampayment
•termsavailablefrom12to48months
How it Works
Step 1: Approval:Candidatesfortheprogramarerequiredtomeetthelawfirm’scriteriaforhardship,
includingacreditorandbudgetreview.thelawfirmmustrevieweachsituationandacceptyouasa
client.
Step 2: Monthly Payments: onceaccepted,theprogramrequiresyoutomakeamonthlypaymentwhich
isplacedintoasavingsaccountinyourname.
Step 3: negotiate Settlements:onceyouhavebuiltupenoughfundsinyoursavingsaccount,thelaw
firmwillnegotiatewithyourcreditorstoforgiveaportionofyourdebtandobtainsettlementoffers.
Whenasettlementofferissecured,thelawfirmwouldcontactyouforapproval.
Step 4: offer Approval/Creditor Paid in Full:onceyouapprovetheoffer,youauthorizethefundstobe
usedtosettletheaccounttoazerobalanceandthecreditorwillsupplywrittenconfirmation.Process
steps2-4repeatuntileachcreditorispaid.
Drawbacks
debtnegotiationofferedthoughalawfirmoccurswhenthecreditorsareencouragedtoacceptlesson
thetotalamountowed.manycreditorsareopentosuchaplanasitisfarmorefavorablethanhaving
theentiredebtdischargedthroughbankruptcy.forconsumers,suchaplanofferstheopportunityto
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ameriCanCreditCardsolutions
Congratulations and thank you for calling American Credit Card Solutions for your Debt Relief Information Kit.
Take the First Step!
Call today!1-866-895-6419
simplypayofftheircreditcards,onebyone,andbegintorebuildtheirfinanciallives.althoughenrolling
intoalawfirmlossmitigationprogrammaynotaffectyourcreditlikeabankruptcy,itwillhavea
negativeimpact.youmayalsoexperiencecreditorphonecallsandpossiblecreditorlawsuits.Creditors
arenotobligatedtoacceptsettlementoffers.forthesereasons,itisimportanttoenrollwithalawfirm
thatprovideslegalserviceswhenconsideringthistypeofprogram.
Do the Math
Whenanalyzingyoursituationyoushouldreviewyouroptionsand“dothemath”.takeacloselookat
theinterestrates,payments,andchartsonyourcurrentcreditcardstatements.Howlongwillittake
youtopayoffyourbalancesmakingminimumpayments?
forexample,ifyouowe$30,000tocreditcardcompanieswitha19%interestrate,andmakeminimum
paymentsonly,itwouldtakeyouapproximately40yearsandatotalof$81,000topayoffyourbalance.
ifyouenrollthesamedebtof$30,000intoalawfirmlossmitigationProgramandselectathreeyear
planwithanapproximatepaymentof$500amonth,yourpayoff,withdebtforgivenessfromyour
creditors(includinglegalfees),wouldbeapproximately$18,000.This option would save you $63,000
and 37 years!
*Individual results may vary based on consumer’s specific engagement with law firm, willingness of creditors to negotiate, ability to save funds, and types of debts. Law firms charge fees. Programs not available in all states. The chart below is for illustration purposes only, limited to a potential (not guaranteed or actual) result. It is not intended to compare the options between the bars, and instead simply to show one of many possible considerations for this type of program in each program. Other considerations and risks may exist, so review all program materials carefully and speak with the appropriate law firm representative to answer any questions.
6 HaveQuestions?Call1-866-895-6419forfreeinitialConsultationtoday HaveQuestions?Call1-866-895-6419forfreeinitialConsultationtoday 7
introduCtoryPaCKage
American Credit Card
Solutions takes a
consultative approach
in helping people find
the best solution to their
debt problem. For this
reason, we have offered
this free Information Kit
for those seeking help.
Get the help you deserve
to pick the best available
option. Learn how to free
yourself of credit card
debt once and for all.
We will complete a
creditor and budget
analysis for absolutely
free. Once completed, we
will clearly explain your
options and give you the
information you need
to make an educated
decision.
No Hard Sell
No Pressure
Just the Facts
debT managemenT
A Debt Management Program offers consolidation into one monthly payment by setting up a plan that could lower interest rates and end penalty fees.
However,unlikealawfirmlossmitigationprogram,thereisnoprincipalreductioninvolvedinadebt
managementProgram.youarerequiredtopay100percentofwhatyouowe.
ontheotherhand,becauseyouaremakinganefforttopayoffyourfulldebtbyenrollinginalicensed
debtmanagementprogram(ratherthantryingtonegotiatealowerpayoffamount,asinalawfirm
lossmitigationProgram),yourcreditorsmaybeabletoreduceyourinterestratesallowingmoreofyour
paymenttobeappliedtoprincipleandnotinterest.Byloweringtheinterestrates,youwouldbeableto
getoutofdebtfastermakingasimilarminimumpaymenttotheoneyouarerequiredtomakenow.if
youcannotaffordyourcurrentminimummonthlypayments,pleaselookatthelawfirmlossmitigation
ProgramorBankruptcyoptions.
Benefits
•Consolidatetoonemonthlypayment •interest-ratereductions
•nolatefees •noover-the-limitfees
•re-agingyouraccountstoacurrentstatus •reductionincreditorharassment
How it Works
Step 1: Approval: seekalicenseddebtmanagementProgramtoapply.Candidateswillberequiredto
qualifybycompletingacreditorandbudgetanalysis.
Step 2: Creditor Review: learnhowlowyourcreditorswillreduceyourinterestrates.
Step 3: Monthly Payments: onceaccepted,yourindividualmonthlypaymentsonyourqualifying
unsecureddebtwillbeconsolidatedintoasinglemonthlypayment.
Step 4: Re-distribute your Payment: yourmonthlypaymentwillbere-distributedtoyourcreditorson
yourbehalf.
Step 5: Creditor Statements: youwillcontinuetoreceiveyourmonthlystatementsfromyourcreditors
evidencingreceiptofyourpayments,andconfirmingyournewlowerinterestrates.
Drawbacks
Whenyouenrollinadebtmanagementprogram,proposalswillbesentouttoyourcreditorstorequest
yourbenefits.onceaccepted,thecreditorswillrequiretheaccountstobeclosed.Creditorsmayalso
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ameriCanCreditCardsolutions
Congratulations and thank you for calling American Credit Card Solutions for your Debt Relief Information Kit.
Take the First Step!
Call today!1-866-895-6419
reportyourenrollmenttothecreditreportingagencies.accordingtomyfiCo.Com,enrollmentalone
willnotaffectyourcreditscore.However,thecreditorsmayplaceanotationonyourcreditreport
signifyingyouhaveenrolledinadebtmanagementprogram.thecreditorsmaybewillingtolower
yourinterestratesinthisprogrambuttheydonotwanttoseeconsumersaddingtotheirdebtswhile
receivingthesebenefits.
Do the Math
analyzeyoursituationandbudget.ifyourcreditorsarecharginghighinterestrates,butyoucan
affordyourcurrentminimumpayments,thendebtmanagementmaybethebestoptionforyou.if
yourinterestratesare15%orhigher,mostofyourminimumpaymentsareappliedtointerest,not
principleowed.reviewyourcreditcardstatements.theCreditCardreformactrequirescreditcard
companiestodisclosehowlongitwilltakeyoutopayoffyourbalancemakingminimumpayments.if
youhavehighinterestrates,theamountoftimeandmoneytopayoffthebalanceisexorbitant.debt
managementProgramscanofferlowerinterestrates,allowingyoutopayoffyourbalancesin3.5to
4.5years,insteadof15ormoreyears.takesomeonewith$30,000ofcreditcarddebtatanaverage
interestrateof19%,makingminimumpaymentsonly.itcouldtake40yearsandatotalof$81,000to
payoffthebalance.now,enrollthesamedebtof$30,000intoadebtmanagementProgramandyour
interestratesareloweredtoanaverageof6%.makethesimilarminimumpaymentrequiredfromyour
creditorstothedebtmanagementProgramandyourtotalpayoffwouldbe$33,500overapproximately
fouryears.thatwouldsaveyou$47,500and36years!
*Individual results may vary based on consumer’s specific engagement with law firm, willingness of creditors to negotiate, ability to save funds, and types of debts. Law firms charge fees. Programs not available in all states. The chart below is for illustration purposes only, limited to a potential (not guaranteed or actual) result. It is not intended to compare the options between the bars, and instead simply to show one of many possible considerations for this type of program in each program. Other considerations and risks may exist, so review all program materials carefully and speak with the appropriate law firm representative to answer any questions.
8 HaveQuestions?Call1-866-895-6419forfreeinitialConsultationtoday HaveQuestions?Call1-866-895-6419forfreeinitialConsultationtoday 9
introduCtoryPaCKage
American Credit Card
Solutions takes a
consultative approach
in helping people find
the best solution to their
debt problem. For this
reason, we have offered
this free Information Kit
for those seeking help.
Get the help you deserve
to pick the best available
option. Learn how to free
yourself of credit card
debt once and for all.
We will complete a
creditor and budget
analysis for absolutely
free. Once completed, we
will clearly explain your
options and give you the
information you need
to make an educated
decision.
No Hard Sell
No Pressure
Just the Facts
debT ConsolIdaTIon loan
Debt consolidation requires that you take out a single loan, which you use to pay off all of your debts.
debtconsolidationcanbeatemptingchoicewhenyouareahighlydisciplinedborrowerthathasalot
ofmonthlybills,severaldifferentcreditors,andmultipleinterestrates,becausetheendresultisone
monthlypaymenttoonecreditoratasingleinterestrate.
Benefits
•Consolidatetoonemonthlypayment
•singleinterestrate
•interestmaybetaxdeductable(ifloanisamortgage)
How it Works
Contactyourlocalbank,creditunion,ormortgageloanofficertoapply.typically,theywillperforma
creditcheckandrequireincomedocumentation.
Drawbacks
There is a risk of losing personal assets.debtconsolidationloansareusuallysecured,whichmeans
youarerequiredtouseyourhome,car,orotherpersonalassetsascollateral.Collateralisbasicallyyour
lender’sinsuranceonyourpromisetopay.ifyoumissyourpaymentsonyourdebtconsolidationloan,
youcouldloseyourhome,car,orothercollateraltoyourlender(youdonothavethissameriskwith
creditcarddebtsinceitisunsecured-meaningnopersonalassetscanbeseizedtosatisfythedebt).
you may be fueling bad habits.debtconsolidationloansfeeduponthehabitsthatgotyouintodebt
troubleinthefirstplace.often,consumersusetheseloanstosatisfyexistingcreditcardbalanceswhich
resultinahighermortgagebalance,andthentheycontinuetooverspendontheircreditcards.this
placestheminanevenmoreprecariouspositionthanwheretheystartedbecausetheyhavetakenon
yetanothercreditorwithsignificantlymoredebt.
Approval may be difficult. intoday’stightcreditenvironment,itisincreasinglydifficulttogetapproved
forthistypeofloan.similarly,unlessyouhavemaintainedastellarcreditrating,chancesareyouwill
notgetapprovedforthelowinterestratesyouseeadvertised,andthuswillpaysignificantlymoreover
thetermoftheloan.
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Take the First Step!
Call today!1-866-895-6419
Do the Math
ifyouqualify,reviewthetermsofyourloanclosely.Calculatethecostsofcompletingtheloanandthe
amountofyourtotalpayback.forexample,ifyouconsolidate$30,000ofcreditcarddebtintoaloanat
12.9%overfiveyears,yourmonthlypaymentwouldbe$681andyourtotalpaybackwouldbe$40,860
($681x60months).
ifyouconsolidatethroughamortgageorhomeequityloantheinterestmaybetaxdeductable.Consult
yourtaxadvisorforadditionalinformation.
*Individual results may vary based on consumer’s specific engagement with law firm, willingness of creditors to negotiate, ability to save funds, and types of debts. Law firms charge fees. Programs not available in all states. The chart below is for illustration purposes only, limited to a potential (not guaranteed or actual) result. It is not intended to compare the options between the bars, and instead simply to show one of many possible considerations for this type of program in each program. Other considerations and risks may exist, so review all program materials carefully and speak with the appropriate law firm representative to answer any questions.
DiD you know?The average late fee was found to have risen to $28.19, way up from
$25.90 in 2008. Consumer Action reported that late fees reached up
to $39 per incident. (Source: Consumer Action credit card survey, July
2009)
10 HaveQuestions?Call1-866-895-6419forfreeinitialConsultationtoday HaveQuestions?Call1-866-895-6419forfreeinitialConsultationtoday 11
introduCtoryPaCKage
American Credit Card
Solutions takes a
consultative approach
in helping people find
the best solution to their
debt problem. For this
reason, we have offered
this free Information Kit
for those seeking help.
Get the help you deserve
to pick the best available
option. Learn how to free
yourself of credit card
debt once and for all.
We will complete a
creditor and budget
analysis for absolutely
free. Once completed, we
will clearly explain your
options and give you the
information you need
to make an educated
decision.
No Hard Sell
No Pressure
Just the Facts
bankruPTCy
Bankruptcy is a very serious decision, with consequences that can last for a long time.
therearesomecaseswherebankruptcymaybeyouronlyoptionduetoextremefinancialhardship
resultingintheinabilitytomeetanymonthlyobligation.Werecommendthatyouconsiderbankruptcy
onlyasalastresort,andonlyundertheguidanceofalicensedattorney.
Benefits
• stopharassingcreditorphonecalls
• legalprotectionfromgarnishmentsorliens
• Haltcollectionactivities
How it works
ContactalocalbankruptcyattorneyinyourareatolearnifyouqualifyforaChapter7or13.Wearenot
abankruptcyprovidersowerecommendyouconsultanattorney.
Drawbacks
unfortunately,manypeoplewhodeclarebankruptcyfaceanuphillbattletopayoffdebtsthatwere
notwrittenoffandtoreclaimtheircredit,qualifyforloansandcreditcards,buyahouseoracar,rent
anapartment,orinsomecases,evengetajob.itisimportanttounderstandthefollowingbankruptcy
factsbeforemakingafinaldecision.
• Bankruptcyisdenotedonyourcreditreportfor10years,makingitdifficultforyoutogetan
affordableinterestratewhenyoutrytobuyahomeoracar,orapplyforsomeotherformofcredit.
• abankruptcycanstayonyourofficialcourtrecordsformorethan20years-sometimesfortherest
ofyourlife-andcanhurtyourchancesofbeingapprovedorhiredwhenyouapplyforajobora
loan,ortrytorentanapartment.
• newstricterbankruptcylawsmakeitharderforyourdebtstosimplybewipedoutinabankruptcy.
youmayonlybeeligibletogointoarepaymentbankruptcy(aChapter13bankruptcy),which
requiresyoutostillrepaysomeorallofyourdebtonapaymentplan.
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• ifyoudoqualifyforthetypeofbankruptcythatwipesoutyourdebts(aChapter7“liquidation”
bankruptcy),youmayberequiredtoselloffallyourpropertythatisn’tprotectedbylaw.
Do the Math
ifyouaretrulyinahardshipwheremakinganytypeofconsistentmonthlypaymenttosatisfyyour
obligationsisimpossible,thenbankruptcymaybetheonlycosteffectiveoption.thecostofattorney
feesmayvaryfromstatetostate.Wearenotbankruptcyproviderssowerecommendyouconsultwith
alicensedattorneyinyourstatetoreviewthecostsandoptions.
DiD you know?The national average default rate as January 2010 stood at
27.88 percent and the mean default rate is 28.99 percent. (Source:
CreditCards.com survey, January 2010)
93 percent of cards allowed the issuer to raise any interest rate at any
time by changing the account agreement. (Source: Pew Safe Credit
Cards Project, March 2009)
Only eight percent of cards with penalty rate conditions offered to
restore the original rate terms when payments are made on-time,
usually after 12 months. (Source: Pew Safe Credit Cards Project, March
2009)
72 percent of cards included offers of low promotional rates which
issuers could revoke after a single late payment. (Source: Pew Safe
Credit Cards Project, March 2009)
12 HaveQuestions?Call1-866-895-6419forfreeinitialConsultationtoday HaveQuestions?Call1-866-895-6419forfreeinitialConsultationtoday 13
introduCtoryPaCKage
American Credit Card
Solutions takes a
consultative approach
in helping people find
the best solution to their
debt problem. For this
reason, we have offered
this free Information Kit
for those seeking help.
Get the help you deserve
to pick the best available
option. Learn how to free
yourself of credit card
debt once and for all.
We will complete a
creditor and budget
analysis for absolutely
free. Once completed, we
will clearly explain your
options and give you the
information you need
to make an educated
decision.
No Hard Sell
No Pressure
Just the Facts
maInTaIn mInImum monThly PaymenTsRecent legislation has passed (The Credit Card Reform Act) which requires credit card companies to show you how long it will take to pay off your balance by making minimum payments. [sample statement below]thisnewtoolmakesiteasytounderstandyourspecificsituationandexactlyhowlongitwilltaketo
satisfyyourdebtbymakingonlytheminimumpayments.
Benefits
• maintaincurrentstatuswiththecreditor
How it works
youchoosetocontinuethecycleofrevolvingdebtandmakelittletonoprogressinsatisfyingthe
principlebalance.Creditcardcompaniesmakethebulkoftheirprofitsfromconsumerswhocontinueto
makeminimummonthlypaymentswhileaddingtotheirdebt.
This is a copy of an actual credit card statement for an account with a $10,629 balance.
latePaymentWarning:ifwedonotreceiveyourminimumpaymentbythedate
listedabove,youmayhavetopayuptoa$39.00latefeeandyouraPrswillbesub-
jecttoincreasetoamaximumPenaltyaProf29.99%.
minimumPaymentWarning:ifyoumakeonlytheminimumpaymenteachperiod,
youwillpaymoreininterestanditwilltakeyoulongertopayoffyourbalance.
For example:
ifyoumakenoadditionalchargesusingthiscard
andeachmonthyoupay...
onlytheminimumpayment
$453
youwillpayoffthebalanceshownonthisstatementinabout...
35years
3years
andyouwillenduppay-inganestimatedtotal
of...
$36,825
$16,319(savingsof$20,506)
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Drawback
ifyourinterestratesarehigherthan15%,mostofyourminimumpaymentsareappliedonlytothe
interestdueandnottheprincipleamountowed.thismeansyourdebtwillnotbesatisfiedformany
years–oftenmorethan30years–evenifyoudonotpurchaseanotheritemwithyourcreditcards!
moreover,ifyoucan’tkeepmakingminimumpayments,thecreditorswillstartcalling.ifyouchoose
toignoretheircalls,youcanendupwithjudgmentsandgarnishedwages,aswellasliensagainstyour
property,withouthavingtheprotectionofanattorneyorlawfirm.
Do the Math
thisoneissimple.ifyouchoosetocontinuetomakeminimumpaymentswithhighinterestrates,you
willsacrificetwo,three,orpossiblyfourtimestheamountyoucurrentlyowe.Wouldn’tthatsignificant
amountofmoneybebetterusedplanningforyour retirement,notyourcreditcardcompany’sprofits?
DiD you know?Total U.S. revolving debt (98 percent of which is made up of credit card
debt): $852.6 billion, as of March 2010 (Source: Federal Reserve’s G.19
report on consumer credit, March 2010)
92 percent of cards included a fee for exceeding the credit limit,
including 100 percent of all student cards. The amount of the over the
limit fee is $39 on most accounts. (Source: Pew Safe Credit Cards
95 percent of surveyed issuers have over-limit fees. The average over-
limit fee, among institutions with over-limit fees, is $29.13. (Source:
Consumer Action credit card survey, July 2008.)
Between 1989 and 2006, the nation’s total credit card charges
increased from about $69 billion a year to more than $1.8 trillion.
(Source: Demos.org, April 2008) Project, March 2009)
14 HaveQuestions?Call1-866-895-6419forfreeinitialConsultationtoday HaveQuestions?Call1-866-895-6419forfreeinitialConsultationtoday 15
introduCtoryPaCKage
American Credit Card
Solutions takes a
consultative approach
in helping people find
the best solution to their
debt problem. For this
reason, we have offered
this free Information Kit
for those seeking help.
Get the help you deserve
to pick the best available
option. Learn how to free
yourself of credit card
debt once and for all.
We will complete a
creditor and budget
analysis for absolutely
free. Once completed, we
will clearly explain your
options and give you the
information you need
to make an educated
decision.
No Hard Sell
No Pressure
Just the Facts
5 sTePs To geTTIng ouT of debT
1. Get organized. gatheryourcurrentstatements,completethebudgetworksheeton
page(17),andcontactusforano-obligationconsultation.
2. Get informed. We’llhelpyoutakealookatyourtotalfinancialpicture,completeyour
creditorandbudgetanalysis,andreviewallavailableoptions.
3. Select a program. togetherwewilldeterminewhichdebtrelief
optionisrightforyou.
4. Choose a payment. setupasinglemonthlypayment.We’llworkwithyoutoestablisha
single,affordablemonthlypaymentthatworkswithinyourbudgetand
willstillleavemoneyinyourpocketattheendofeachmonth.
5. Stay committed. staycommittedandfinishwhicheverprogramyouhaveselected.
graduatingfromadebtreliefprogramislifechanging.trulybecomedebtfree!
Have Questions? Call 1-866-895-6419 for your FREE consultation today!
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ameriCanCreditCardsolutions
Congratulations and thank you for calling American Credit Card Solutions for your Debt Relief Information Kit.
Take the First Step!
Call today!1-866-895-6419
Monthly Budget A. Household Expenses D. othermortgage $______ movies,dinnerout,etc. $______rent $______ Cable/satellitetv $______P&iorPiti $______ subscriptions $______2ndmortgage $______ tobaccoproducts $______electricity $______ Club/unionmembership $______gas $______ gifts $______Water/sewer $______ Hobbies $______trashPick-up $______ softdrinks/alcohol $______telephone $______ Beauty/barber $______furnishings $______ other $______House/yardservices $______ $______maintenance $______ $______internet $______ $______other $______ Charitable $______Subtotal A $______ Subtotal D $______yourHome’smarketvalue $______
B. Food/Health/Child E. insurance Premiumsfood/groceries $______ life $______schooltuition/studentloans $______ termWlulvul $______schoollunches $______ Husbandfaceamount $______Clothing $______ Wifefaceamount $______medical(uninsured) $______ medical $______dental(uninsured) $______ dental $______laundry/drycleaning $______ disability $______medication $______ Homeowners/rental $______Childcare $______ deductible $______Childsupport/alimony $______ Health $______other $______ single,family $______ $______ auto $______ $______ deductible $______ $______ Health $______ $______ single,family $______Subtotal B $______ Subtotal E $______
C. Transportation F. Savingsautomobile#1 $______ stocks,bonds $______automobile#2 $______ mutualfunds,etc. $______automobile#3 $______ College $______gasoline/oil $______ ira $______automaintenance $______ 401(k) $______travelexpenses $______ other $______otherautoexpenses $______ $______Subtotal C $______ Subtotal F $______
Financial Overviewsubtotala $______ totalnetmonthlyincome $______subtotalB $______ totalmonthlyexpenditures $______subtotalC $______ remainingmoneytoworkwith $______subtotald $______ Presentmonthlypaymentfor $______subtotale $______ unseCureddebtsubtotalf $______totalmonthlyexpenditures $______
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introduCtoryPaCKage
American Credit Card
Solutions takes a
consultative approach
in helping people find
the best solution to their
debt problem. For this
reason, we have offered
this free Information Kit
for those seeking help.
Get the help you deserve
to pick the best available
option. Learn how to free
yourself of credit card
debt once and for all.
We will complete a
creditor and budget
analysis for absolutely
free. Once completed, we
will clearly explain your
options and give you the
information you need
to make an educated
decision.
No Hard Sell
No Pressure
Just the Facts
noTes:__________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________
18 HaveQuestions?Call1-866-895-6419forfreeinitialConsultationtoday HaveQuestions?Call1-866-895-6419forfreeinitialConsultationtoday 19
ameriCanCreditCardsolutions
Congratulations and thank you for calling American Credit Card Solutions for your Debt Relief Information Kit.
Take the First Step!
Call today!1-866-895-6419
noTes:__________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________
18 HaveQuestions?Call1-866-895-6419forfreeinitialConsultationtoday HaveQuestions?Call1-866-895-6419forfreeinitialConsultationtoday 19
introduCtoryPaCKage
American Credit Card
Solutions takes a
consultative approach
in helping people find
the best solution to their
debt problem. For this
reason, we have offered
this free Information Kit
for those seeking help.
Get the help you deserve
to pick the best available
option. Learn how to free
yourself of credit card
debt once and for all.
We will complete a
creditor and budget
analysis for absolutely
free. Once completed, we
will clearly explain your
options and give you the
information you need
to make an educated
decision.
No Hard Sell
No Pressure
Just the Facts
noTes:__________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________