| |
Success Achievement Magazine COVER Page
FULL
PAGE ADVERTISERS
How
YOU Can Advertise
In This Magazine
Debt Management Plans - Tips For Avoiding DMP Pitfalls
Most people are involved in some type of financial transaction or decision every day. Sometimes they can get way behind in their debts and financial obligations with no clear way to pay them off. Some resort to debt management plans, which can help if you are careful in setting up the plan. Do you know how to avoid the pitfalls?
Credit and debt issues are critical life altering realities for almost everyone. The daily decisions we make in handling the balance between the two determines our credit worthiness in the eyes of financial institutions. As we all know, if you have a bad credit rating, then borrowing funds or purchasing many items will become difficult or impossible. But what happens when you get so far in debt that you have no clear way to pay it all off? Many people resort to a debt management plan (DMP). These are payment plans structured in a way so that the borrower is better able to pay off their debts, and is agreed to by the borrower and creditors. The benefits can include lower interest rates and fee waivers.
Once you and the creditors have accepted the DMP, it is important to:
• make regular and timely payments
• always read your monthly statements to make sure your creditors are getting paid according to your plan
• contact the organization responsible for your DMP if you will be unable to make a scheduled payment, or if you discover that creditors are not being paid
If the payments are not made to your DMP and creditors on time, you could lose the progress you've made on paying down your debt, or the benefits of being in a DMP, including lower interest rates and fee waivers. The creditors may not forgive any more late payments and you will incur more 'late' marks on your credit report as well as more late fees, increased debt and a longer pay off period. So, once you are on a debt management plan, make sure that you are never late on any payments.
DMPs are not for everyone. You should agree on a DMP only after a certified credit counselor has spent time thoroughly reviewing your financial situation, and has offered you specific advice on managing your money. You may be able to work out a payment plan directly with your creditors. But if you decide that you need to work with a credit counselor and get additional advice and assistance, ask questions like these to help you find the best counselor for your situation and make sure you get full and complete anwsers.
Some Important Questions to Ask When Choosing a Credit Counselor to Handle your DMP:
1. What services do you offer? Look for an organization that offers a range of services, including budget counseling, savings and debt management classes, and counselors who are trained and certified in consumer credit, money and debt management, and budgeting. Counselors should discuss your entire financial situation with you, and help you develop a personalized plan to solve your money problems now and avoid others in the future.
2. Are you licensed to offer your services in my state? Many states require that an organization register or obtain a license before offering credit counseling and debt management plans.
3. Do you offer free information?
4. Will I have a formal written agreement or contract with you?
5. What are the qualifications of your counselors? Are they accredited or certified by an outside organization? If so, which one? If not, how are they trained? Try to use an organization whose counselors are trained by an outside organization that is not affiliated with creditors.
6. Have other consumers been satisfied with the service that they received? Once you've identified credit counseling organizations that suit your needs, check them out with your local consumer protection agency, and Better Business Bureau.
7. What are your fees? Are there set-up and/or monthly fees? Get a detailed price quote in writing, and specifically ask whether all the fees are covered in the quote.
8. How are your employees paid? Ask them to disclose what compensation it receives from creditors, and how they are compensated.
9. What do you do to keep my personal information confidential and secure? They should have safeguards in place to protect your privacy.
Get the information you need to make an informed decision.
Success Achievement Magazine
FULL PAGE ADVERTISERS
-00-H-KELLY.pdf
-00-JEANTY.pdf
0-WANT_TO_PURCHASE_MINERALS_&_OTHER_OIL_&_GAS_INTERESTS.pdf
00-A-HOWARD.pdf
00-C-ADAMS.pdf
00-C-PRIDGEN.pdf
00-CALVIN-JAMES.pdf
00-J-GARNER.pdf
00-JC-PATTON.pdf
00-JMARS.pdf
00-LYONS.pdf
00-M-DERRICK 2.pdf
00-M-DERRICK 3.pdf
00-R-MIZER.pdf
00-R-RAGLAND.pdf
00-RJ-LYONS.pdf
00-S-EISON3.pdf
00-S-SMITH.pdf
00-Vaught.pdf
00-W-SMITH2.pdf
00-w-powell2.pdf
00_OIL_&_GAS _INTERESTS.pdf
01-D-Foley.pdf
01-DEL-PILAR.pdf
01-J-HURLEY.pdf
01-K-BOVIN.pdf
01-L-SMITH.pdf
02-R-MIZER.pdf
09-JC-PATTON.pdf
11-Dalton 10 2019.pdf
92-ANTHONY-JOHN.pdf
92-DANNY-DEJESUS.pdf
93-w-powell.pdf
95-C-BUSTAMANTEZ.pdf
95-C-PRIDGEN.pdf
95-D-CANYON.pdf
95-FORCE-MARKETING final.pdf
95-R-CUTTS.pdf
95-S-EISON.pdf
95-S-EISON2.pdf
99-AARON-BRYANY.pdf
99-Brite-Star.pdf
99-Brite-Star2.pdf
99-D-BROWN.pdf
99-DALTON-BLUETOOTH INNOVATIONS.pdf
99-DALTON-WANTED POSTCARD MAILERS.pdf
99-G-MARTIN.pdf
99-J-HURLEY-2.pdf
99-J-OWENS.pdf
99-JCPatton (2).pdf
99-JCPatton.pdf
99-JJ-GARNER.pdf
99-P.L. CARTER-MAKE MONEY MAGAZINE.pdf
99-Slaton-Eison.pdf
99-WANT_TO_PURCHASE_MINERALS_AND_OTHER_OIL_&_GAS_INTERESTS.pdf
99-a-atkinson.pdf
99-d-balderstone.pdf
99-m-derrick.pdf
IMDA-MEMBER-LIST-99-LABEL-READY.pdf
Your-2020-ADSHEET-DIRECTORY.pdf
mail order report.pdf
|
WANT TO PURCHASE
MINERALS AND OTHER
OIL/GAS INTERESTS. | Send details to:
P.O. Box 13557
Denver, CO 80201
|
Current Issue of 05/28/2022
200 MONEY MAKERS.
EASY WORK AT HOME! | 200 Excellent Money Making easy work at home opportunities for women! 20 page booklet. Send $8 money order to:
Universal Market Source,
P.O. 11608,
Merrillville, IN. 46411
231 |
23 FAST FOOD RESTAURANT CARD | Comes With 100% No Expiration Date. Burger King, Denny's, Taco Bell, Popeye's, Wendy's, Boston Market, KFC, Pizza Hut, and more. Only $10.00 or 2 for $15.00. Buy 3 Get one FREE! Send Cash or Money Orders to:
BRUCE MCFAYDEN SALES
670 MADISON AVE.
DAYTONA BEACH, FL 32114
97 |
| 
229
|
EASY WAY TO BIG EBAY PROFITS! | 
35
|
WEALTHPEX | 
183
|
Exciting Magazine Worth Having
SHORE TO SHORE | Reliable service, Best of the Best
Offers, Info, Ad Specials!
Will you have the next
great issue!
One year subscription only
$20 + LSASE to:
Ed O'Blenis
POB 524164/Stadium
Bronx, NY 10452
61 |
OPPORTUNITY TO CUT MTG PAYMENTS
IN HALF | www.themtgmanager.org/ Aff8203LeRoyTaggart
www.themtgmanager.biz/ 8203LeroyTaggart
LSASE To:
LEROY TAGGART
233-01 MENTONE AVE.
LAURELTON QUEENS, NY 14422
19 |
FREE MAILING LIST! | > MICKEY PARKER <
413 S. MALLARD ST.
LAS VEGAS, NV 89107
149 |
Make Up To $5000 Weekly!!,
Get the Latest Hot Programs | For FREE information packet,- HI
Send SASE to:
EDWIN MONTGOMERY
108 CHESTER PIKE, FL 1
COLLINGDALE, PA 19023
144 |
How would you like to receive hundreds of dollars coming to your mailbox weekly? | How would you like to receive hundreds of dollars coming to your mailbox weekly? We are called cash club funding.
For only $100 membership we will issue you a free website that will rotate traffic to your special website, plus all whom will respond to your ad will with your ID number will be accredited to your account.
To sign up go to: https://clubcashfund.com/Garnerjoseph805
211 |
*HOW*
To Get One Million
People
To Send You $2.00 | LEARN MY EASY METHOD!
Plus Receive Proof This Method Works.
Rush $2.00 & LSASE To:
R.L. Traylor
PO Box 3503
Gardena, CA 90247
119 |
| 
77
|
SALES PERSONNEL | To Call On Spas, Beauty Salons,
Beauty Supply Stores, Boutiques,
Health Clubs, Etc.
To Introduce And Sell
WILD ROSE PERSONAL CARE PRODUCTS.
40% Commission On Every Case Sold.
Send Info To:
Sales
PO Box 303
Randallstown, MD 21133
12 |
BUY DIRECTLY FROM "DIRECT" SOURCE! | VISIT OUR ONE-OF-A KIND WEBSITE
TO FIND SOME OF THE MOST POPULAR
AND SOUGHT-AFTER-PRODUCTS...
OFFERED TO THE PUBLIC AT
UNBELIEVABLE, WHOLESALE PRICES!
www.jcpattonbestdealsinternational.com
104 |
HOW TO GET ONE MILLION
PEOPLE TO SEND YOU $100 | Totally New, Fully Automated
ENDLESS CASH SYSTEM!
Send $1 & SASE
to get
Full Instruction:
BARBARA JACKSON
1259 E. 58th. ST.
LOS ANGELES, CA 90011 sc
145 |
ADS ACROSS USA | Make out a $20 money order
for each person & a $20 money order & 5 stamps for the monitor.
William Lee
9309 Sarasota Drive
Knoxville, TN 37923
Get c/r ad with you in position #1.
Get $20 on 3 levels.
We publish this ad and
your 1" ad to 10,000.
$20--Chrystal Kellogg
P.O. Box 788
Alcoa, TN 37701
$20----Space Available
$20----Space Available
135 |
CREAM OF THE CROP ADS | 10,000 Qtrly Circ. in Intro To MailOrder
C/R Ad Rates:1"-$5 * 2"-$7 * 3"-$10 * 4x5-$25 Free C/C * No adult ads-Stamp for Acknowl.
Jerome Borum
PO Box 5205
Statesville, NC 28687
220 |
DISCOUNT STORE
| Receive Discounts On Millions Of Health Products. Name Brand Items And Medicine 24/7 Delivered To Your Door. Check Us Out Now!
www.myedgeco.com/myhealth/ls26
179 |
AMERICAN BUSINESS | STAGGERING MONEY AMOUNT
CONTINOUS MONEY
SUPERAFFORDABLE
MONEY MAKER
PROOF MONEY PAID TO YOU. (HI)
SEND THIS AD AND 2 F/C STAMPS TO:
DONNA SCHNEIDER
11046 MAIN ST.
HEWITT, WI 55441-8518
142 |
GET IT FREE! | This Sales Funnel Got 500 Signups in Under 3 Hours!
https://tcpros.co/yOS4r
197 |
JUNK MAIL WANTED! | Cash For Your Junk Mail. Make Up To $100 Daily From Your Unwanted Junk Mail. Complete Details For $2 & LSASE:
ALICIA BRIDDELL,9200 NW 39th. AVE.,#130-102,GNV, FL 32606
195 |
| 
169
|
TAX-FREE MONEY | This sounds appealing. Work is
required on your part,
but isn't it worth it?
Application and Details come with $1.00 and LSASE:
TX
1660 BROWN ROAD
APT.G
COLUMBUS,OHIO 43223
174 |
| 
168
|
|
