Thanks for the warm welcome back! I know a ton of people are struggling in this economy, and as you can see, I haven’t even kept up for you guys. I’m really sorry about that (man I’m startin to sound like a broken record!)

If you’re one of the many Americans facing foreclosure (and believe me, they come from all walks of life!), you’re not alone. Of course we can’t guarantee that these guys can save your home, but maybe you owe it to yourself to give it a shot. Sure, many Americans are walking away right now, but you know what? Come 3-5 years (or longer), as the economy recovers, that bankruptcy and/or foreclosure is gonna come back to haunt you. If you can’t afford it…you can’t…there’s no shame in that (it sucks, but hey, you can only do so much!).

That having been said, if you think you might be able to afford it (hey now, this is not the time to be dishonest with yourself…many Americans got into a bad situation because of unscrupulous mortgage practices, but it didn’t help that people believed the “good times” couldn’t—wouldn’t—end), now is as good a time as any to give yourself a shot at keeping your home. You may have heard the commercials on your local radio station(s) (I know I’ve heard a TON of ‘em around here!…probably 6-8x a day!) talking about loan modifications. This is what they’re talking about.

The truth of the matter is, you have to be super-careful about who you do business with. ForOneBuck.com makes no guarantees about any of the companies you may be matched with. Make sure you check their credentials, and a quick check with the BBB would be a good idea. Ask to talk to some of their former customers (know right off the bat they likely won’t put you in touch with anyone who had a negative experience, but you can still find out a bunch about who you’re working with by talking to previous clients), ask questions…just like visiting the doctor…this is a pretty major issue if you don’t get it resolved! Remember, also, different companies may have different requirements for who can get approved for loan modification, and just like pre-bust, there are a ton of predators out there waiting for you to fall prey to their schemes. Check, check, and check again!

Behind on your mortgage? Perhaps a loan modification is the answer…click here to find out more!

I certainly hope you haven’t…it’s a real pain to get that stuff undone. Often, it doesnt even get undone…you have to wait seven to ten years for it to go off your credit, and even in the best-case instances there are serious repercussions for victims of identity theft (sadly, most identity thieves get away with it). Even if you’re lucky enough for identity theft to not ruin your life, it makes everything harder…from getting a gas credit card to buying a house or a car (I know that houses and cars aren’t on most peoples’ lists of “to-do’s” these days, but it’s important to understand how bad it can be).

On a side (and way more cheerful) note, welcome back everybody! I see that more of you are out there reading and might be wondering where I disappeared to for the last couple of weeks. There’s soooo much to do with school starting for the kids (and of course the start of football!!! been waitin’ since the refs robbed the second NFC West team in the last four years in February! I think the refs’ uniforms should be changed to black-and-yellow). My apologies on not gettin items up like I had been, but everything is [mostly] back to normal and it’ll be back to a [week]daily dealio.

So this particular offer works like this: you get a 30-day FREE TRIAL to this Identity Protection System (this includes ID Alerts if changes to your credit report could indicate fraud or suspicious activity and protection if your credit or debit cards get lost, stolen, or misused, up to a $1,000,000 product guarantee). You also get a free Credit Report from Experian so you can check for errors (FYI, you’re entitled to a free copy of your credit report every twelve (12) months from all three credit bureaus; there’s no affiliation between this service and the three free credit reports, which you can get from AnnualCreditReport.com).

Protect me now!

You know how much I love free money offers (really, who doesn’t?) Of course…you do have to pay it back, but a quick injection of $1,500.00 into your account will likely go a long way toward making your life easier right now (and the ability to pay it over time is pretty handy in this economy). All credit types are welcome…just fill out a quick 30-second application and everything is handled online. You’ll usually get your money within 24 hours of applying, and you can use the cash for anything you need.

This can be a real life-saver if you’re strapped for cash, but remember, they tack on a service fee, so keep that in mind. Be careful out there, and if you need money, you need it, this is a solid last-resort or if you’d rather avoid having to go to a pawnbroker (online tends to be more discreet ).

There are limited funds to distribute, so APPLY NOW!

Okay, so first off, I don’t usually post this early in the morning…I’m usually in bed by now, I have stuff I gotta do too, ya know. But I came across this today and I had to share it…and I dunno if he’ll link back to me or not, this is actually a bonus post til I get around to actually posting later today. I thought this was important enough to share with y’all.

I’ll leave the wording I had planned to leave the wording to Robby Scott Hill (but then I read it…and dude is brilliant, no doubt, but not always as clear as I’d like it) and I’ll likely put this as a permanant link elsewhere…where is yet to be determined. Anyway, Hill talks about what happens should a bank or credit company try to get a judgement in a court of law against you (you know most of them can’t, right? it’s in your contract…you know, that thing you signed when you got your credit card or your loan or your whatever). The fact of the matter is that your agreement likely provides for arbitration as the only way they can handle unpaid accounts. Of course, you have to read your Terms & Conditions and the ins and outs of your contract…but it’s likely gonna have to go to arbitration, and they likely can’t sue you in court, per se. Normally this would be great for the bank, and terrible for you, because arbitration strips you of many of your rights…but if you’re up to it, you can probably counter-sue for breach of contract.

Now…I’m not a lawyer, and I don’t have much legal experience, so you’ll need to review your contract, and maybe contact a lawyer as well. Hill goes into some craaaazy detail on this, but again, it’s so important to read I’m staying up late to post it!

Avoid or delay a debt collection

So I was trippin’ when I first saw this…I was like WTF?!?!? Debt into wealth?!? Debt free in as little as 90 days?!? Then I started reading more…and obviously, not everyone is gonna be debt-free in 90 days cuz not everyone has the same learning curve or is really willing to become debt-free. But if you are (and I like to think that if you’re here, you’re ready and willing), click the link and get your 3-day access to MyMoneyPlan.net (it’s an educational and interactive site offering you information to expand your financial awareness…no mention as to whether you’ll reach financial nirvana, but that’s because that is up to you).

Are you ready to…

• become debt-free faster than you thought possible?
• pay off your mortgage in just a few years?
• reduce interest rates and make the banks work for you? (one of my personal fave’s lol)
• share your secrets with family and friends? (no need to be greedy…pass around and let everyone benefit!)
• take part in an educational and interactive website?

And that’s not all!!! (lol..I just really really wanted to say that…again ) For a limited time, they’re also giving away, FREE, a financial assesment, Pay Yourself First Guide (learn to pay yourself first and still pay the bills!), and a downloadable best-seller, MONEY What Financial “Experts” Will Never Tell You. They’ll also give you a 14-day risk-free access to SmartFinances.com

Let’s face it…accelerated debt-elimination is a great wealth-building strategy! Jump on the bandwagon for your free trial and free bonuses!

Need cash to pay down debt, start a business, or further your education? Did you know the U.S. Government gives out millions of dollars a week in grants? Do you want to know how to get some of that money? Of course you do! And you know that’s where I come in! lol

The US Government and private foundations award MILLIONS IN GRANTS to people just like you who are in need of financial help. The best part is, most grants come with absolutely NO INTEREST! Do you know of ANY financial institution that can match that? Imagine qualifying for a grant to get your business going… and once you’ve got it up and running, paying back the investment pound-for-pound, without worrying about the pesky “interest” gouging away at your pockets! The government can actually be quite a good pal, you just need to know who to turn to, and what to say. We’ll teach you all that and more with this free trial.

Um…it’s a free trial to put free money in your pocket…what more could I say?

Wow…this sounds like an inherently bad idea. But you know me, and you know I’m not gonna bring you bad ideas…that’s not what we do here, and it’s not what we’ll ever do here. I’m all about bringing you ways to save money…and sometimes even earn some!

So when I saw this offer…I had to take a look for myself. The first thing I noticed was a feeling of dejá vu…like I had talked about this already. I did a quick check and couldn’t find it (sorry I didn’t look harder, it’s been a really long day and I just wanna help you guys out and catch some z’s…had to protect our cable lines outside the house with conduit cuz the “puppy”—I think they’re still “puppies” at 1—likes to chew on ‘em—funny story he wiped out everyone’s Internet connection in the neighborhood one night about 2 AM…we were left with a confused ISP and unhappy neighbors…but that’s a story for another time).

Anyway, after my quick check, I figured I’d better find out what these guys are all about. Their first page does say “get what you want, even with bad credit”…but I think maybe it should say “get what you need…” They can help you reduce your overall debt by up to 50% or they can help you get a car loan (of course, there are no guarantees, and your mileage may differ…but basically, that’s what they do). I know some of you are thinking “why does anyone need a car?” And it’s probably fair to say it’s less of a need in many places—but if you have a long commute and no (or limited) access to public transit, you really do need that car (because, and especially now…you need to keep your job ).

U.S. resident over 18? Don’t let bad credit hold you back!

I know lots of people are worried about whether they’ll be able to keep their homes right now…heck, the economy is taking out just about everyone (I read the other day that 81% of the losses in the last two years have been at the very top…the richest people in the world have shouldered lost a lot of money). If you wanna read more about this, just click on the link to Agora Financial on the right-hand side, under “Hand-Picked Deals.” With all of that in mind, I came across this offer and felt all of you had to see it.

The Modification specialists use a combination of workout plans and develop a personalized strategy to lower your rate and payment, and if need be, stop foreclosure. In many instances, they are able to negotiate a lower loan amount for the homeowner. Let them help you:

• Lower your monthly payment!
• Lower your existing loan balance!
• Stop foreclosure proceedings!
• SAVE YOUR HOUSE NOW!!!

Get your FREE Loan Modification Consultation today!

Sorry, after that last phrase I just couldn’t help myself. I don’t like to end on a sour note, and I feel the same way about this as the debt reduction one below…if you’ve been looking for an opportunity to get out from under the weight of a pending foreclosure (and I know tons of you are, and maybe even already did). These guys (and gals ) will look at all property in any condition. If you need cash, need to downsize, have more repairs then are worth it, need to settle an estate, the house is abandoned, or even if you’re a tired landlord…they can help you out!

Sell your house in days!

So you’re probably wonderin’ why I wanted to kick-off a holiday weekend by asking such a dismal question (no, silly, not the Debtco one, the $10,000 one). Well, I’m thinkin’ that if you do have $10,000 or more in debt, you already know it, you already worry about it, and you want a solution to help you out…so, that’s what I’m here for. See, Debtco can erase your debt up to 60% (and cut credit card bills up to 50%). There aren’t any credit checks, and home ownership isn’t required…but you do have to have $10,000 or more in debt (and it has to be unsecured). Finally, you have to be a US resident…but I’m looking for solutions for my non-US readers as well. You could become debt free in 12 to 36 months (that’s pretty cool if you can’t see a ray of light at this point).

Get two free quotes with no obligation!