The Bankruptcy rates are on the rise! Lately more and more people are filing for a Chapter 7 and Chapter 13 Bankruptcy. The difference between a Chapter 7 BK and a Chapter 13 BK is that the Chapter 7 wipes out the consumer’s debt and the Chapter 13 is a Repayment Plan over a period of time, usually 3 to 5 years.

Because of the economy these past several months, consumers are being laid off, with some consumers having difficulty paying their credit card debt, they do not know how to priortize their debt or the laws that govern credit, and debt. Consumers need to be educated on all of their options by Federal Laws!! This is where we at Simple Solutions Credit Consulting can help consumers unlike any other company! If a consumer has been laid off from their work, going through a divorce, have had medical problems, or just simply can’t make their money stretch to cover all of their bills, then that is where we can help.

This is what usually happens: a consumer goes to a Bankruptcy attorney to ask if they should file for a Bankruptcy. Most Bankruptcy attornies will say “of course you do”! (We know of one attorney that will be very honest with consumers and let them know the HONEST truth if they do need to file. This is Monte Alan Rich in Prescott, Arizona at: 1.928.778.4438). If a consumer goes to a Debt Consolidation place, then they will tell them, sure you need to use our services, because they want the consumer’s money. This can go on and on!

What consumers really need is a consultant who can tell them ALL OF THEIR OPTIONS, choices and rights under the Federal Laws such as: The Fair Credit Reporting Act, The Fair Debt Collections Practices Act, and The Fair Credit Billing Act. To us, it is only common sense! We all want to know this. Why wouldn’t we? If we did know all of our options, we can then make an educated decision on what is best for our own circumstance. Now that is empowerment!

Why do these companies only give us one choice, theirs? Because it is YOUR MONEY that they want!!! Most won’t even help clean up your credit reports let alone stop the harassing collection calls! Ok, maybe filing a Chapter 7 Bankruptcy can stop the calls but the Bankruptcy attornies won’t help clean up the credit reports or even tell you what you need to do to boost your credit scores. As for the Debt Consolidators, they can make BIG BUCKS either consolidating your credit card debt or receiving a “kick back” of money from the consumer’s creditors. Again, these types of companies still don’t improve consumers credit reports, raise their credit scores or stop the collection calls!

This is where Simple Solutions Credit Consulting can help consumers: improve credit reports by following federal laws; raising credit scores; stop collection calls; help with Credit Identity Theft; negotiate their debt for 40% or more; prioritize their debt; obtain and understand their credit reports; properly validate their debt within the federal law time frame to prevent new collections from being placed on their credit reports; and so much more!

There are so many reasons why you need to have excellent credit. Some of the reasons are: better interest rates; obtain good jobs; receive lower premiums on vehicle/home insurance; obtain credit; etc. The cost of having bad credit is in the hundreds to thousands of dollars! No joke!

Our fees will be based on what exactly you want us to do for you. It can range from $45 to $1195 at the very top end. Most people fall in the $45 to $695 range, with couples in the $45 to 1195 range. We are very honest and fair in our pricing and do not have “cookie cutter” fees. “This is the fairest way of doing business we think”!

If you are in need of any of these items above, please call our office to set up an appointment in person or an appointment by phone or email.
Office: 1.888.303.7722
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We would love to help you to achieve optimal credit!

Valeri A. James
President and Certified Credit Consultant
Simple Solutions Credit Consulting and Training, Inc.

According to an article from Credit and Collections World and SourceMedia, the statistics are in for bankrupcty filings in Federal Courts for a 12 month period ending March 31, 2008. Bankruptcies exceeded 900,000, according to statistics released Tuesday by the Administrative Office of the U.S. Courts.

“With the Credit Crunch going on, it is no wonder that the Bankruptcy filings are increasing. Who knows how long this Credit Crunch will continue. Foreclosures are at an all time high right now”, according to Valeri A. James, President, Simple Solutions Credit Consulting.

Our upcoming Training Session will be held on June 5 through June 7, 2008 at the historical Hassayampa Inn in Prescott, Arizona. We expect to have a sold out training session as the Mortgage and Real Estate industry is struggling and loan officers and real estate agents are scrambling to find additional ways to provide an extra avenue of income to their household. “We are definitely seeing an increase of people who are or were in the Mortgage or Real Estate industry looking for a new career or to help consumers obtain their dream homes by improving their credit and raising their credit scores”, says Valeri A. James, President and Master Trainer of the Certified Credit Consultant Training Program. “With our 23 years of experience in helping consumers with Credit Repair, learning about their credit rights and options rather than filing bankruptcy, stopping collection agency harassment, credit identity theft, negotiating debt and more, we need more consultants to attend our training so that they too can help educate consumers and make a great income at the same time. We all have to help one another by educating and equipping ourselves with the proper information so that we can save thousands of dollars on our home loans, vehicle loans, and car/home insurance. So many people are being turned down for jobs, loans or even worse yet, paying too much interest on loans when they could have just excerisized their rights under the Fair Credit Reporting Act and cleaned up their credit”.

Congratulations to our New Certified Credit Consultants that attended our April training. Angel Salvador, and Sandra Carillo of California were just certified by Simple Solutions Credit Consulting and Training. They attended 3 extensive days in our business opportunity training and have sucessfully completed the training. Both Angel and Sandra have been in the Insurance and Real Estate field and are excited about helping their clients in improving their credit reports and raising their credit scores so they can obtain better interest rate loans, lower car insurance premiums, better jobs, etc. Congratulations to Angel and Sandra!

Welcome to our latest Certified Credit Consultants, Brigette A. Soto and Anita J. Breutzmann! These both wonderful ladies have just completed the Simple Solutions Credit Consulting’s Certified Credit Consultant training program. Mrs. Soto said it best, “When I heard about the business opportunity to become a Certified Credit Consultant and that I would actually help people/consumers to become more knowledgeable about their credit, credit scores, their credit rights, and to be pro-active about their financial situation, I wanted to sign up right away”. Simple Solutions Credit Consulting’s President, Valeri A. James, is proud to have Mrs. Soto and Ms. Breutzmann become Certified Credit Consultants. “I have known Brigette Soto for 25 years and Anita Breutzmann for 15 years. These ladies will definitely do a wonderful job as honest and hard working consultants to help consumers by empowering them with the knowledge it takes to utilize the Federal Laws and get back their life by improving their financial situation. With our on-going support and training that we offer our Certified Credit Consultants, they will be better equipped to handle their clients questions and challenges for years to come. We don’t just train our consultants and push them out in their business to handle things on their own after training. We are with them every step of the way by keeping them updated with new changes in the industry/laws and provide on-going support with additional training periodically so they ARE the credit expert that consumers can feel confident in working with to help them get back on track with their credit and financial future”. You can reach Brigette Soto at: (760) 880-2788 and Anita Bruetzmann at: (623) 255-9968.