They will provide a written agreement describing the services to be performed.

This is the best time to consolidate your bills! The laws are changing (in favor of the credit card companies) and you must act now! Have you seen the news lately?

The really BAD NEWS: Credit card companies are increasing their minimum payments!

In an effort to reduce the amount of revolving credit card debt burdening the American public, the United States Government now requires all of the major credit card companies to INCREASE the minimum payment from 2% of the current balance to 4%. To some cardholders that could be seen as a good thing (pay off their debt much faster - if they don't use their credit cards). For many cardholders, it will be really devastating!

If you only pay a 2% minimum each month, your debt would probably last longer than most marriages. If you simply can't make the new increased minimum of 4% month after month, it could put you and many other debtors in over your head. For example, if you're living paycheck to paycheck and your minimum payment goes from $200 to $275, spread over five cards, that's an extra $375 a month! A lot of families can't come up with that!

This is really BAD NEWS for a lot of people! We always tell people there are two sins: not paying, and not paying as agreed. However, missing a payment can quickly have you fielding calls from collection agencies -- and at that point, no one will be willing to listen to you. Your credit score will be ruined by delinquencies and the new bankruptcy laws have made it ten times easier for the major credit card companies to file a lawsuit ("SUE YOU") and "grab" your beloved home & other belongings in a court of law!

The credit card companies have spent over $100 Million "lobbying" (as they call it) your Congressman to get the laws changed. Why? They want "a first lien position" on your Life - so that they can raise your interest rate to 30% or more without notice or file a lawsuit citing late payments & win a judgment against you in a court of law!

Here are a few facts about the credit card industry you should consider when hiring Credit Labs to settle your debts or consolidate them with a debt consolidation loan:

At the end of the year 2000, U.S. households were accruing interest on $574 billion of revolving credit card debt, or debt carried over to the next month rather than paid off entirely. The average household with a credit card balance carried revolving debt of nearly $10,000. As of Dec. 2005, revolving credit card debt was estimated to be $800 Billion....and rising!

Between 1995 and 1999 the credit card industry's profits rose by 274 percent, from $7.3 billion to $20 billion - thanks in part to "fee" income, lower prime rates and increases in APR by the credit card companies.

The industry has increased its income from late payment fees and over-the-limit fees, among others. In 2000, fee income accounted for 25 percent of credit card companies' total income, and between 1995 and 1999, total fee income increased by 158 percent, from $8.3 billion to $21.4 billion.

Why risk the comfort and security of your "home" and hard-earned personal belongings to a corrupt banking system when you can settle your debts now, or even better, or wipe out ("eliminate") high-interest debt permanently by applying for a debt consolidation loan?

You must act now...here is an actual testimonial from one of our current clients, Angelica who was being SUED by one of the major credit card companies:

"I am being SUED by Household Credit (a credit card company) for being 3 months late on a payment! SUED! I had to pay $150 just to "answer" the suit and now have a court date! I have had credit card companies CALL MY NEIGHBORS to get me to pay up. These people are EVIL and feel that because you owe them money they have a right to do anything they want to collect it. THEY MUST BE STOPPED!"by: Angelica Scarpulla (12/22/05)

Unlike other debt management and credit counseling companies, we have NO affiliation with credit card companies, so when you work with Credit Labs, you're guaranteed to get the most unbiased and reliable debt and credit consultation available! We are not paid by the credit card companies (i.e. non-profit service) - so your needs come first!

Credit Labs can be the fastest and most convenient means to financial freedom and a debt-free life. We employ a variety of tools and services such as debt settlement, debt consolidation loans and credit restoration strategies to get you the desired results. You can expect to be debt-free in as little as 12-36 months, depending on your individual circumstances. Your consultation will provide a blueprint for success!

Debts We Can Settle: Credit Cards, Retail Store Cards, Gas Cards, Medical Bills, Cell Phone Bills, Autos in Repossession, Unsecured Lines of Credit, Unsecured Personal Loans. A debt specialist can help you prevent the 10-year stigma of Bankruptcy and/or avoid taking a high-interest loan that can make your situation worse!

What is Debt Settlement? With Credit Labs on your side, you will have one of the best Credit Counseling firms available! In a credit counseling program, most clients pay back an average of 74% of their total debt, including all agency fees as well as accruing fees and interest. This 74% figure is based on the client's current balance. Our team of credit counselors will work with your creditors to settle your outstanding debts at a small fraction of the balance!

Credit Counselors often are able to obtain total settlements including fees in the 50 - 60% range when the factors are just right.

Debt Settlement has a major impact on good credit and will improve credit for people that are 6 months or more past due. This improvement in credit profile is caused by bringing outstanding balances down to a ZERO balance. Credit Labs can make it happen!

Why Credit Labs and not others? We work for you - NOT your creditors. Credit "counseling" services usually work for your creditors, earning a percentage of what you pay to your creditors. In most cases, you may be expected to pay 100% of your debt, plus interest, by making smaller payments over a longer time period. Because a "non-profit" credit counseling service make its money (a lot of money) by earning a sizable percentage of the amount you pay your creditors, their incentive is to get you to pay 100% of your debt, rather than to try and settle with your creditors.

If you add their monthly service fees, a "non-profit" five-year consolidation plan can add up to 135% of your original credit card balance. Yes, your interest rates may be reduced and yes, you may be out of debt in five to ten years; however, if you could SETTLE your debts through our professional credit counseling program for as little as 70 cents on the dollar (you would only pay back 70% of your debt); that's 30% right back in your pocket.

Our clients usually get an installment offer with flexible options for as little as 74% of their current credit card balance. Best of all, Credit Labs can get the credit card companies to reduce your interest rates to 0% in your settlement offer. Ask & you shall receive! The choice is clear: debt settlement is much better & more effective than debt consolidation!

We Have One Mission: To expertly, professionally, and ethically assist you, in gaining access to a debt specialist, who will help you live a debt-free life!

If you found these articles helpful and you would like to talk to someone about your unique financial situation, please email our office for more information. We will take a few moments to talk to you and offer solid solutions you can put to use immediately!

We have put together a powerful credit restoration program built on the foundation of the author's personal account of going "head-to-head" with the major credit bureaus.

It's The Credit Repair Handbook. This solution is now available!
Click here to view excerpts from The Credit Repair Handbook!

If you've been waiting to be in the right place at the right time to learn how to outwit the credit card companies and experience the most powerful credit repair system - you don't have to wait any longer! We have been advancing clients up the ladder of life for many years and we GUARANTEE your success!

Every once in a while you come across an incredible opportunity and witness for yourself the "one and only secret" to getting the competitive edge in today's world and positioning yourself for enjoying the American Dream with perfectly clean credit!

Is this all possible?Absolutely!

Armed with this new information, you'll be able to take advantage of one of the most powerful credit restoration systems in the world - employed by today's most savvy attorneys for $5,000 or more!

If you have an open mind, the next five minutes could change your life!

Let us show you an advanced, yet simple way
to live the good life with a New Credit File!

At Credit Labs, we have spent the last seven years working for hundreds of clients to remove inaccurate credit entries such as late payments, judgments, foreclosures, garnishments and much more with unlimited disputes.

Learn how to use this powerful guide to restore your A+ credit rating and take advantage of our expertise!

It is one of the most powerful guides to credit restoration on the market today - written by a licensed mortgage broker to help his clients restore their A+ credit rating so that they can secure a low-interest home loan and live the American Dream!

Learn how the Credit Repair Handbook and its entire suite of dispute forms and legal documents can get the credit bureaus to give you the respect you deserve!

Wade and his staff will work with you for up to one full year (upon request) to remove all negative credit marks on your credit report - legally and ethically!

The Credit Repair Handbook is the perfect companion for any individual seeking to regain their flawless credit rating and take advantage of all the spoils of American system: a new car with low interest/no downpayment loan OR a new home with no money down!

Consumer debt is nearing $2 trillion, according to Federal Reserve. That equals more than $18,000 per household, not including mortgages. Economic analysts are concerned that these high debt levels might pose a risk to the financial health of American households. Combined with low savings figures, this debt could likely lead to increased household delinquencies and bankruptcies. The best thing you can do is to focus on improving your personal economy. Paying down credit card debt is a great place to start.

The first thing you should do is quit charging on your credit cards and start living entirely on a cash basis. If you don't have the money to pay cash for any purchase, you can't afford the purchase and you must forego the purchase until you have money to pay cash. This will require you to radically change your attitude on how you look, act and feel about money. Once you have made a commitment not to add debt, it is time to repair damage already done. There are two popular methods that people use to tackle debt.

One is to concentrate on paying off the debt with the smallest balance first (never forgetting to make required payments to all debts, of course!) After that balance is repaid, you can then apply that payment to the card with the next smallest balance and continue the process until all debts are satisfied. This method can be very rewarding because you see progress quickly.

This is the most popular method of debt management. If you are facing a crisis and need a professional consultation, please email our office (contact email listed below) to discuss one of our powerful debt arbitration and debt elimination strategies. We can reduce credit card interests to as low as 0% and we have various resources available to us that will help you arbitrate for consumer debt elimination - quickly and securely!

Credit Labs handles debt management issues 365 days a year!

Credit Labs offers help with budgeting, money management & credit issues 365 days a year.

You can choose to work directly with a counselor by telephone or online. As a team, you and your counselor will work together to create a livable debt management plan and establish an action plan for becoming debt free and achieving your financial goals.

Are you a Candidate for Credit Counseling? Register Now!