Module 1   The Financial Shield – The Power Generator  

            The purpose of the Financial Shield is to ward off the collection advances of the lenders (Banks, Collection Attorneys, and Collection Agencies) and to provide a buffer of time during which  your assets are protected from levies and attachment.  It is not debt elimination.  In fact, it does not eliminate debt.  However it is a “power generator” in that it alters the power structure. Taking power away from the banks and giving it to the consumer. You!  Our client. 

            This shield and power shift tends to reduce the percentage of law suits and to render any adverse judgments virtually harmless (within limits) . 

There are three major considerations for an applicant to qualify:

·         Where do you live?  Some states are better than others.  Those living in PA, NC, SC, and TX are more fully protected.  Those in the other 46 states may have a greater need for additional program modules.

·         Are you employed ?  Those who are not contract workers, business owners, or self-employed may have greater needs for additional program modules.

·         To whom do you owe money ?   Those with debts held by some banks such as Chase or MBNA will have greater need for additional program modules than others.

Putting The Financial Shield in place requires about 4-6 weeks.  All of the work to properly position the shield is handled by the law firm’s system.  All you need to supply is your contact information and full legal name.  We do not need your social security number, list of creditors, or amounts owed.  The Shield takes the form of a properly documented and true “lien” which is filed in your state capital, either with the Secretary of State or whatever the appropriate locus may be for that jurisdiction. 

            Within a few months the credit reporting agencies will have found the posting and a significant lien will appear in the client’s credit report.  This in itself will discourage many creditors from suing as they will realize that the time and expense of the suit will be for nothing.  The lien will cover properties and assets within that state.  You may need to file in multiple states if you hold equities in properties in more than one state.

            If credit obligations are in only one party’s name, then only that party will need the Shield.  If credit was acquired jointly, then husband and wife, for example, will both need their separate Shields.

            Please note that the Shield effectiveness has been compared to concrete – freshly poured it is soft.  Allowed to mature it gets harder and harder.  You must understand that it is not in your best interest to wait to put your shield in place. Waiting may reduce the Shield’s effectiveness.  

We recommend that you retain the protection of the Financial Shield for at least a year to give their creditors time enough to determine you are a poor collection account.  At that time you should proceed to “eliminate” the debt by approaching the creditor with a “dime on a dollar” settlement offer.   If you feel you may need assistance with this process we have an additional program module available known as Debt Settlement Negotiation which is handled directly by our law firm.

Module 2     Control Your Creditors – Fighting Back Effectively      

The purpose of Control Your Creditors is to provide you with an effective set of tools to stop collection efforts.  Even if the Shield is in place, some creditors will aggressively attempt collection.  In the normal course of business, most banks will charge off accounts within 6 months, selling them in bulk to collection agencies.  These agencies are normally difficult to deal with and can be daunting without our assistance.  Beginning with frequent collection phone calls and what we call “nasty-grams” they will harass and pursue the debtors relentlessly.  Their tactic is to bully people into paying.  They generally do not want to go to court but they will do so if they feel they have a chance of winning. 

            Control Your Creditors provides the help you need to ward off these advances.  Combined with the Financial Shield, the protection is more complete.  However, as a stand alone package, Control Your Creditors is exactly what is needed if you have sought help too late for the Shield to be in place before a court action deadline.  The national average number of credit cards held by individuals is 7. If you are in trouble with one, you are probably in trouble with all of them.   The Shield will be needed for the remainder and needs to be put in place as soon as possible.

            Control Your Creditors contains over 26 modules to assist the client.  This ranges from immediate financial advice and how to stop collection calls to various aspects of legal maneuvering.  All of this material is available on-line for immediate downloading and completion.  While this set of modules is do-it-yourself material, a Support function responds to questions within 24 hours, frequently within the hour.  Should the client wish to have us complete these documents for him, that service is available under another module. 

            Control Your Creditors is exactly what you need if you are getting collection notices in the mail or phone calls from your creditors.

Module 3    The Privacy Package   TeleGuard® and MailGuard®

 Would it make sense to stand in the way of oncoming traffic if one could step aside and dodge it?  Then it doesn’t make sense to stand by like “a deer in the headlights” while your creditors try to run you over with threats and abuse. Especially when there is a solution that works. We have constructed The Privacy Package to offer you relief from those demeaning collection calls and intimidating notices. We can begin putting the necessary paperwork in place today.  By the first of the month you will not be afraid to pick up your phone or go to the mailbox. You can begin to relax again with the knowledge that we are doing exactly what is needed to keep you from harm’s way.

The Privacy Package contains two components

 TeleGuard®      Creditor Telephone Answering Service

when set in place, will prevent inadvertent disclosure of important information by you or your family on the phone; plus, you will not have to feel like a prisoner in your own home… ever again.  All of your collection phone calls will be answered by our trained staff who will confirm your phone number only.  They will not confirm your mailing address or any other personal information which would give the collectors more bullets for their legal guns

MailGuard®      Address Change Service

……..will give you have a new address in a garnishment protected state. The purpose of this module is to provide an address for creditors to use for mailing their collection notices and filing law suits.  It will be the incorrect venue and thereby making the service invalid which is a strong defense in law suit settlement. You will send “Change of Address” notices to each of your creditors, informing them of your new mailing address.  All of their collection letters will be received at our offices in a garnishment protected state.  This is where our next module fits into the seamless solution for stress brought on by financial pressures

To be eligible to purchase this module, the client must have either the Financial Shield, Control Your Creditors, or both. 

Module 4        The Response Package       

For those with the Control Your Creditors program that do not wish to work your way through a do-it-yourself program. We will provide you with the proper letters, forms, and motions to defend yourself against your creditors.  Not a ‘stand-alone” package, this is only available to those who have purchased the Financial Shield, Control Your Creditors, and the Privacy Package.  You must remain current with required monthly payments. 

            In this module, you will be sent completed materials to send to the collectors, attorneys, and courts as needed.  It is important to note that we are NOT acting as your attorney.  We will not make appearances in court for you.  This service is limited to providing the appropriate response letters, completing forms, and providing motions for you to file.  This will not take the place of a local attorney.  If you wish to have local representation, this service will merely supplement that effort.  Please note: We provide no guarantee of a positive outcome for any case. This effort is overseen by an attorney but it is not done by one.

Debt Settlement Negotiation    

            Debt Settlement services are provided directly by the law firm.  The client must have been in the program at least a year and have purchased all portions of the program, Financial Shield, Control Your Creditors, Privacy Package, and Response Package.  (Credit Clean Up is optional). Our firm will attempt up to 3 times with each account to settle the debt for 10% of what was originally owed.  The client will have the option to accept or reject the final settlement position.  Again, there is no guarantee of reaching this level of settlement; however, the authoritative approach the firm uses will easily surpass what the client can normally accomplish.

Credit Clean Up   

The purpose of this module is to assist in removing adverse and incorrect items from the client’s credit file. Please note, this is not “Credit Repair”.  There is no guarantee that credit will be repaired in this module.   We will send 3 letters to each credit agency on each adverse item according to a proven plan which tends to challenge adverse remarks and remove incorrect ones.  This method has previously proven to be effective in increasing credit scores. This is not a “stand alone” module and is only available when both the Financial Shield and Control Your Creditors modules are purchased.  The client must have been in the program at least a year prior to our beginning to clean up his credit.  This portion, if purchased, cannot begin until after Debt Settlement Negotiation is complete

An auditable method - authored, provided, and supported by a Licensed Attorney - to protect individuals against all forms of civil lawsuits, whether from unsecured creditors, banks, bill collectors, slip-&-fall suits, frivolous suits, etc.

Who can benefit from this protection?

Any legal U.S. resident with debts or cases brought against them in the United States and Canada.

What are the actual benefits of the program?

• Once you’ve entered our program, you’ll have better protection than you would have had under bankruptcy. And,  no court appointed trustee or other individual will be in control of your funds… only you.
• Bank accounts are protected from banks, lenders, third party debt collectors, credit card accounts, doctor and hospital bills, new or future lawsuits and judgment creditors. They can all sue and win – and can never collect a dime.
• The benefits last your entire lifetime unless you voluntarily decide otherwise.
• There are no tax consequences. (As usual, we suggest you consult with a tax professional to confirm this.)
• These benefits are achieved without ever having to appear in court.
• No other attorney is required.
• You are in control of your money. You make the decisions who to pay, when to pay, how much to pay, or whether it is best for you NOT to pay.

How is the program supported?

The author of the program is a licensed and experienced Attorney-at-Law. He and his Legal Team provide full support of the program, and complete 99% of the work. They correspond with you primarily by email. Once enrolled, the process takes approximately 6 weeks to complete.