Are you struggling to make minimum payments on high interest credit cards and other unsecured debt? Are you trying to avoid a bankruptcy?  We may be able to help you with a debt settlement program.
JCC Alliance Network is a debt settlement company. We have had a high success rate in helping our clients become debt free.  Our debt settlement credit card negotiation experience sets us apart for all other companies.  We work directly with you credit card companies and in some cases have reduced what a client owes by as much as 50%.

Debt Settlement may not be for everyone, but if you are experiencing financial hardship and are struggling to meet your minimum payments, please email me at pathwaysinc@pacbell.net right away so we can get the process stated.

The Obama administration’s new mortgage relief aims to help 9 million borrowers qualify for more affordable mortgages and stay in their homes. Are you one of them?

Do you have a  loan of up to $729,750 and are having difficulty paying your  mortgage?  If you are struggling to make your payments and you are not in foreclosure, you may qualify.  Lenders can change the terms of the loan so payments, including taxes and insurance, amount to no more than 31% of your income. They may lower the interest rate to 2%, extend the term of the loan to as many as 40 years, or forgive some principal. We are helping many homeowners stay in their homes. Please call Bev at 510 501-2338 for more information.

We can help save your home through a special program called Loan Modification.  Millions of property owners are loosing or have lost their properties do to Adjustable Rate Mortgage, Negative AM Loans, and other excessive loan programs.

Even if you are in foreclosure or financed over 100% of the homes value we may save your home, lower your payments & interest rate!  We can help even if you have poor credit, behind in payments, facing bankruptcy or in foreclosure.  We have an astonishing 97% success rate.

Call me on 510 501-2338 or email me at pathwaysinc@pacbell.net

We are having a free webinar to show you how you can get out of debt quickly.

Cash-strapped consumers got some welcome news on Thursday when regulators voted to control controversial credit card practices. The U.S. is experiencing the worst economic conditions in decades. The new rules do not go into effect until July 1, 2010.

The Federal Reserve Board, the Office of Thrift Supervision and the National Credit Union Administration approved the regulation, which prohibits banks from certain practices like applying interest payments in ways that maximize penalties, and forces lenders to be more transparent about their billing practices.

The regulations mark an end to double-cycle billing, which averages out the balance from two previous bills. That means that consumers who carry a balance will no longer get hit with retroactive interest on their previous month’s bill. And credit card companies will no longer be able to raise the interest rates on pre-existing credit card balances unless a payment is over 30 days late.

Consumers will also be given a reasonable amount of time to make payments, and payments will be applied to higher-rate balances first, to reduce interest penalties and fees.

Credit card statements will clearly list the time of day that a payment is due, and any changes to accounts will be in bold or listed separately.

There will be no more universal defaults – a policy that allowed credit card issuers to increase the interest rate on one card if a customer missed a payment on another card.

In the midst of a credit crunch, Americans have about $976.3 billion in revolving credit and 4.9% of all credit cards were delinquent in the third quarter, according to the latest data from the Federal Reserve.

Representatives from the banking industry argue that while many of the changes are consumer friendly, there might be a downside to increased regulation that should be noted.

While the new rules are designed to increase protections for consumers, the Fed itself has recognized that they may result in increased costs for most card users and reduced credit availability, particularly for consumers with lower credit scores or limited credit history.

Do you wish you were debt free? Do you need a debt cure? Do you want to build wealth and find the American Dream of home owners ship? Join me for a free webinar to find out how. Please call Beverly Slocum on 510 791-2338 with any questions you may have.

Imagine it’s five years from now. All of your debts are paid off, even your mortgage. You have hundreds of thousands of dollars in your prosperity account to invest. How does it feel? Paying bills every month is a simple process because you only have a few, groceries, electric, water, telephone or maybe a few others. No letters from creditors, credit card companies, or mortgage payments due. How much extra money would you have each month to live the life of your dreams?

Learn how this could be you. Join us for a Free teleseminar on how to pay off all of you debts in less than five years and accumulate wealth.

We have regular webinars that explain how you can be debt free in 5 years or less. This includes mortgages, business loans, student loans, and credit card debt. Look at the calendar, see when we are offering a webinar, click on a link, and watch this program from the comfort of your home or office. Please feel free to call me on 510 501-2338 with any questions. Beverly Slocum

Tuesday November 25 6PM PST GO TO MEETING

Wednesday November 26 1PM PST GO TO MEETING

Friday November 28 10AM PST GOTOMEETING

Saturday November 29 10AM PST GOTOMEETING

Here is a testimonial from my friend Dr. Lenny Cocco.

“Hi this is Dr. Lenny and this is my story. About a year ago a coaching client had to foreclose on some houses he got into. We noticed that his credit score went down to 520 fast. What we did not expect was the way his bank and mortgage company responded to this new low number. Almost at once his credit cards lowered his credit, the 2nd on his house was canceled, and his gold status was removed from his personal account. This was his bank for 25 years. They treated him like a number. Well, I started searching for a way to eliminate debt and mortgages altogether. I became a maniac searching around for a company that was going to help me and my clients. I wanted to become debt free so I never had to put up with being a number like my friend. I finally have found a company that will help all of us to become debt free. You have to check it out.