(Washington, D.C.) – Consumer credit card debt is becoming a huge problem. On average, Americans carry $6,354 in bank-issued credit card debt month-to-month, and pay nearly $1,300 in interest and fees to credit card companies each year.¹

Millions of homeowners are getting huge savings on their monthly mortgage bill thanks to a rate and term refinance, and not surprisingly banks aren’t too happy about that.

(Washington, D.C.) When homeowners visit Debt-Gurus.com they are surprised to find out they qualify to refinance their home loan and lower their mortgage to astonishingly low rates and reduce their mortgage payment up to $350/month or more.

Homeowners that owe less than $625,000 will likely qualify for this brilliant refinance program, A Rate and Term Refinance, that has already saved the American homeowner thousands in mortgage payments by reducing their monthly payment by an average of 20%.

Most homeowners will qualify for this program and the process is very simple. If you want to lower your mortgage payments, pay off your mortgage faster or get some extra needed cash out, this program will allow you to do just that!

Sadly, same people think this program is “too good to be true” or only available to people in need of assistance. This is not true, a rate and term refinance is designed for ALL homeowners and to date has reduced mortgage payments for millions of Americans. Moreover, homeowners with good credit see even greater savings!

If you want to lower your mortgage payments or eliminate years off your mortgage, it’s crucial that you act now. You may even take some cash out of your home to help you with paying off debts, bills, home renovations, your child’s education, or that much needed vacation.

• Save up to 20% on your monthly payment. Example: If your payment is $1,750/Month, that cuts $350 off.)
• Eliminate years off your mortgage and save monthly
• Take cash out for home improvements, paying off debts, or for college tuition.

Want To See How Much You Can Save? Here’s How:

Step 1: Select your age below

Step 2: Answer a few simple questions and see how much you can save.

Homeowners who use the Enhanced Relief Refinance Mortgage Program can eliminate up to 20% OFF their monthly payment

(Washington, D.C.) Qualified homeowners are surprised to find out about a government program that could lower their mortgage rate and reduce their payment by shocking amounts.

Qualified homeowners that owe less than $331,760 could benefit from this brilliant government program. Congress’ mortgage relief program has already saved qualified American homeowners thousands from their mortgage by reducing their monthly payments significantly.

If you want to lower your house payment, shave years off your mortgage or get some extra needed cash out, this program might help you just do that!

This government program could reduce your mortgage payment and put cash back in your pocket.

Sadly, some people think this program is “too good to be true” or only available to people in need of assistance. This is not true, this program is designed for qualified homeowners and to date has reduced mortgage payments for millions of such homeowners. Moreover, homeowners with good credit could see even greater savings with lenders!

If you want to lower your mortgage payments or eliminate years off your mortgage, it’s crucial that you act while this program is still available. You may even take some cash out of your home to help you with paying off debts, bills, home renovations, your child’s education, or that much-needed vacation.

3 ways how Congress’ mortgage relief program could help you if you are a qualified homeowner:

• Save big on your monthly payment
• Eliminate years off your mortgage and save monthly
• Take cash out for home improvements, paying off debts, or for college tuition

Want To See How Much You Could Save? Here’s How:

Step 1: Tell us more about yourself by selecting your age range below. This helps us start the matching process.

Step 2: Answer a couple questions about your home and current mortgage to find out how much you may save! It takes about two minutes and there’s no obligation.

References:

• http://www.whitehouse.gov/refi
• http://www.freddiemac.com/finance/pdf/RefiReport2013Q4.pdf
• http://www.fanniemae.com/resources/file/aboutus/media/HARP-Research-Report-030613.pdf
• http://www.forbes.com/pictures/el45fjjej/six-simple-ways-to-pay-off-your-mortgage-faster-60/
• http://www.nytimes.com/2011/08/21/realestate/exploring-the-15-year-loan-for-refinancing-mortgages.html
• http://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Fannie-Mae-and-Freddie-Mac-Announce-HARP-Changesto-Reach-More-Borrowers.aspx

Homeowners who refinance with Freddie Mac’s Flex Modification can eliminate up to 20% off their monthly house payment. These numbers along with more benefits of the program can be found at: https://nationalfairhousing.org/wp-content/uploads/2017/09/2017-09-26_Fannie_Mae_and_Freddie_Mac_Flex_Modification.pdf

Editor’s Note: This Program is Best for People with CC and Medical Balances over $15,000

(Washington, D.C.) – Consumer credit card debt is becoming a huge problem. On average, Americans carry $6,354 in bank-issued credit card debt month-to-month, and pay nearly $1,300 in interest and fees to credit card companies each year.

But now there’s a little-known secret the credit card companies don’t want people to know…

U.S. consumers with over $15,000 in unsecured debt, now have the right to settle their debt for a fraction of the amount owed.

The Cat Is Out Of The Bag
Nothing stays hidden in the age of the Internet for too long, and this program is going viral. People are now learning they can get rid of credit card debt, medical bills, lines of credit, and other forms of unsecured debt without having to take out a debt consolidation loan or pay off their balances in full.

The good news is you can qualify for this program right now.

Help For The Middle Class
Some consumers think this is a program for those who need assistance. This is 100% false – this program is specifically designed for US residents who have more than $15,000 in credit card debt.

You can cut on average 48% of your credit card balances. For example, if you have $20,000 in credit card debt, this debt reset program will save you a cool $9,600. And that’s money you’ll never need to repay.
Depending on your debt amount and details, you may be able to save even more over the 24-48 months you’re enrolled in the program.

How Does It Work?
This program helps eliminate credit card debt by using technology to negotiate debt balances directly with credit card companies.

It’s not a loan… so there’s no loan term, APR, or interest. With personal bankruptcies on the rise, this program convinces credit card companies they’re better off settling debts than risk not getting paid at all.

This program is designed to get you out of debt as fast as possible by paying the least amount possible. Debt Relief Programs have helped thousands negotiate settlements with credit card companies to significantly reduce the amount they owe.

Want To See How Much You Could Save?

Step 1: Select your age below.

Step 2: Answer a couple basic questions to find out how much you may save! It takes just two minutes and there’s no obligation.

These uncertain times are forcing more people to reexamine finances and rewrite their household budgets.

According to the Pew Research Center in a survey conducted soon after the COVID-19 crisis began, 33 percent of Americans either lost their jobs or suffered a pay cut or reduction in work hours. Plus, 49 percent said the outbreak is a major threat to their personal finances.

Regardless of your situation, examining your budget and making some changes can save money and make your financial future more secure. Here are four ways to budget wisely.

Calculate the Bottom Line

Figure out your baseline income. Then, categorize expenses by what you need to maintain your standard of living, such as a mortgage, utilities, groceries and insurance. Another category should include non-essential expenses. Determine if you also want to set aside money for savings, retirement plans or college tuition. And, experts advise setting aside at least three to six months of expenses for emergencies. Once you have these numbers, you can calculate what you’ll need on a monthly basis.

Eliminate or Reduce Stuff You Don’t Need

If your expenses are still too high, or you want to save more, take another look at discretionary spending and find ways to cut. One easy way to save is to cancel premium TV channels, switch to a basic package or even sign up for a streaming service instead (Sling, Hulu, etc.). You can also drop your DVR option to save on the monthly bill. Digitally streaming or downloading content from your local library is another entertainment option too — everything from movies, music and magazines is available at no charge.

Find Ways to Save on the Things You Need

Everyone needs insurance and many companies offer discounts if you buy both auto and home insurance together. You can also look for unique programs to control expenses. For example, Erie Insurance offers a program called ERIE Rate Lock that takes away the worry of having car insurance premiums rise with inflation. Instead, unless you move, get a different car or change drivers, you’ll pay the same amount every year, even if you have a claim. Erie Insurance also announced immediate financial relief for auto customers impacted by the pandemic. Other ways to save include taking advantage of credit card rewards and cash back apps and making sure to use them. And if you’re overwhelmed by keeping things organized, there are free services online to track your loyalty program points, including airline miles.

Consider ‘Side Gigs’

Many are supplementing their income without leaving the safety of their living room. In fact, nearly half of working Americans have a gig outside their primary job, according to Bankrate. But before applying for a remote job, always check with the Better Business Bureau to make sure the company is legit. Depending on your skills, there are a variety of online jobs you could do, such as customer service, copywriting or online tutoring.

By tracking and cutting expenses, taking advantage of discounts and special savings programs and perhaps even earning extra money on the side, you’ll be on your way to having a household budget with staying power.