There are established brick and mortar companies with online divisions like Capital One and other well established lenders that can be trusted. For other less established online lenders, be very careful and do your due diligence before getting involved with them. One major red flag is if the lender is located on an Indian Reservation.
DON’T lend money from Indian Tribes!
Indian Tribes on Reservation are sovereign nations that don’t have to work within normal US Laws and most of the Indian Reservation lenders are charging rates of 87-108%! CRAZY RATES!
Make sure to do some research before working with an online lender. Most don’t easy show their addresses and that is a red flag! Look at the fine print. If you would go to Clear Creeks to investigate you could eventually see that Clear Creek is a Native American Lender by reading the following small print on their website… The Otoe-Missouria Consumer Finance Services Regulatory Commission is the public body solely responsible for regulation of Clear Creek Lending. Clear Creek Lending is a tribal lending entity wholly owned by the Otoe-Missouria Tribe of Indians, a sovereign nation located within the United States of America, and is operating within the boundaries of the Otoe-Missouria Reservation.
Here is a Partial List of Indian Tribe Lenders…
- Bottom Dollar Payday
- Blue Trust Loan
- Clear Creek Lending
- Cover Me Cash
- Radiant Cash Loans
- Red Leaf Lending
- Real Payday Lender
- Sierra Lending
- West River Cash
Indian Lenders can’t come into the US without using the US laws. We suggest you pay the principal and maybe a bit of interest and wash you hands of it. In most cases, US law will defend you if you do this. Get the courts involved if they don’t stop bothering you.
Payday Loans Are For One Time Emergencies Only
Payday loans work on a fees and a quick pay back. If you need to borrow again it’s not working for you and you need to call A Debt Coach to help you get out of the vicious cycle. A Debt Coach will negotiate for you, stop the cycle, and setup arrangements for you to pay back what you owe and move on.
Most Financial Problems Come Down to Poor Budgeting
Did you know that A Debt Coach provides free financial education and advice?
We provide the advice so that people can get their lives back in order!
The free education starts by downloading our free “Own Your Life” ebook.
Everyone who downloads the book will be approached to start the “Budget Bootcamp” with Randy after you read the book! Randy will help you create the best budget for your situation and put you on a glide path towards being totally debt free!
Own Your Life
- Financial Goals
- Estimate vs. Actual
- Creating a Budget
- Setting Up Controls
- Dealing with Debt
To help consumers ADC has come up with a number of Education Classes offered over the phone, in person, or over the internet. These classes are designed to help consumers understand how to manage their finances to avoid the mistakes that can cause financial troubles; and if it’s too late how to dig out from those troubles. Each Budget Bootcamp is customized to the needs of the recipient by below are some examples of what you may learn…
Creating Wealth – A Successful Budgeting System
- Understand why budgeting is important
- Begin goal setting
- Learn an easy budgeting system
- Obtain the tools, forms and hints to make your budget work
The ABC’s of Credit
- Understand how to get your free credit reports
- Learn how to read your credit reports
- Learn about credit scores
- Learn how to improve your credit score
Student Loans – Consolidation 101 (Only If You Have These Loans)
- Learn how to understand your student loan options
- Learn how to consolidate your federal student loans
- Discover which repayment options you qualify for
- Understand how loan forgiveness works
A Debt Coach offers credit counseling services to people who are experiencing credit and debt problems! We create customized plans with your budget in mind and deal directly with your creditors. No gimmicks, no funny business! Both the Government and your creditors are happy that we are here to help you solve your financial problems.
Get the Book to get started toward a life without debt!
About A Debt Coach
A Debt Coach is a Non-Profit Credit Counseling Agency that helps consumers find options available for the financial problems they face. We offer credit counseling services to clients across the country who are experiencing credit and debt problems. A Debt Coach offers one of the most beneficial debt consolidation programs in the nation and we have provided counseling and advice to more than 200,000 consumers since 1992.
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