• Are your bills pilling up?
• Are you being harassed by creditors?
• Do you feel overwhelmed by too many bills?
• Would you like to cut your monthly payments in half?
  

If you are a homeowner with home equity then I may be able to help you by paying off your bills quickly using one of my strategies!

I may be able to provide you with one low monthly payment designed to help you to get out of debt faster!!

However, if you are renting and do not own a home then I cannot help you because we must use home equity for security and therefore I can only refer you to someone else.

Click here if you are a renter.

I specialize in helping homeowners to consolidate their credit cards, loans, mortgages, taxes and other bad debt into one low monthly payment.

I don't just provide a “quick fix” solution to your problems… I give you a long term solution which puts you back in control of your financial future!

Please ask yourself these 3 questions:

1) How do you know if you are just falling little behind or if you are on your way to bankruptcy?

2) How can you keep bankruptcy from happening when the bills just won’t stop coming?

3) How do you climb out of the debt hole without causing damage to your credit report - not to mention your quality of life?

Here are some of the common warning signals which if corrected in time, can help you to steer clear of financial disaster.

• Spending increasing amounts of your income to pay your bills
• Putting off paying your bills for few days because you don't have enough money to cover them
• Being near, at or over the limit on your credit accounts
• Making only minimum payments on your bills
• Juggling credit card bills
• Paying only minimum monthly payments on credit cards
• Using credit card for monthly expenses because you don't have cash to pay for them
• Paying bills with money which was supposed to go for something else like kids tuition or your retirement
• Have no savings
• Having your credit cards cancelled by the issuer because you have been consistently over your limit
• Had your auto or life insurance cancelled because you missed payments
• Putting off medical visits because you can't pay for them
• Working overtime or two jobs
• Received utilities shut-off notices in past
• Being overdrawn at the bank
• Worrying about your money
• Argue with spouse about money problems
• Being afraid that someone can find out how far in debt you are
  

If you answered yes to one or more of the questions, you may or may not have cause for alarm, depending on the context of your answers, however if you are drawing down your savings to make minimum monthly payments on all of your credit card bills, then the alarm bells should be ringing loud and clear.

If you answered yes to many or most of the warning signals, you definitely have a problem and you should seriously take advantage of my services before it's too late!

As I outlined above, one of my jobs is to help you to restructure your debt and the way I do it is either by refinancing your existing mortgage(s) or by arranging a second mortgage financing.

To obtain discounted rates you must pay your bills on time.

Don't just assume that paying your bills regularly maintains your credit rating in good shape. Paying your bills regularly isn't as important as paying your bills on time.

If you are short cash and your credit card is due, waiting few days for your next paycheck to pay your minimum monthly payment will have an impact on your credit rating. Your card payment is now classified "30 day late". If you can make a partial payment of say $20 dollars, you can keep your rating in good health.

Since only late payments and not partial payments are reported to credit bureau - partial payments do not damage your credit rating!

Try not to run your balances up to your credit limit. Keeping your account balances below 35% of your available credit will help your credit score.

Your credit score is an important indicator of your creditworthiness. In general, the higher your score, the lower the probability that you will become delinquent on credit extended to you. And while many mortgage lenders use credit scores to help them make lending decisions, each lender will base its decision on more than just the score.

Lenders use your credit score to determine if you are a good candidate for credit and likely to pay your bills on time.

Most lenders will not approve a request for discounted mortgage rates if your credit score falls below 600 therefore I recommend that you check your credit report and credit score at least once a year, especially before you apply for a new mortgage.

Building and maintaining your great credit history, involves more than paying your bills on time. It involves careful inspection of information that is reported on your credit file. Slight inaccuracies reported by creditors to your credit file can be the difference between good or poor credit and being approved or declined.

Keep in mind that your credit report is updated every day and your credit score is calculated and recalculated continuously. Your credit score from a month ago is probably not the same score today.

Use only Equifax Canada to check your credit score because majority lenders will pull your Equifax credit file.

Please download my free credit guide if you would like to learn how to improve your credit or re-establish your bad or damaged credit fast and most importantly...

Take 10 minutes of your time right now to complete my online secure server application form and cut your monthly bills in half!