Financial Newsletter -- October 2009

The year is rapidly coming to an end and maybe that's a good thing.  2010 has to be better than 2009, right?  A roller coaster economy and uncertain job markets have stressed Americans more than ever before. New legislation is set to go into effect at the beginning of the year and how that will affect consumers (good or bad) is still unknown.

New laws may hurt as many as they help

According to Robert Hammer the Chairman and CEO of credit card advisory firm RK Hammer Investment Bankers, "What has been forecast is coming true," he says  "Those of us that have never been delinquent ... even once, in fact, find our credit lines cut back, annual fees being implemented or raised, rewards programs being cut back or costs associated with them."

The very laws that were put into place to help protect consumers look like they may hurt as many as they help.  A frustrating situation for all of us as credit card offers are fewer and farther between and much less appealing.  We may be headed back to a world where "cash is king" or at least the debit cards will be more in use than the credit cards.

Navigating this crazy credit crunch and protecting yourself can seem overwhelming.  The banks aren't looking out for you as a consumer so how can you find someone on your team to make sure that you aren't paying anymore than you have to?  It's simple, you need to consult with a financial expert who knows the business and the secrets that the banks don't want you to know. 

The banks have lots of money and lots of power.  The consumers need a reliable source of information and support.  We're here to help.

About First Rate

At First Rate, we are committed to providing financial solutions to meet the individual needs of our customers.  With years of financial experience, we can offer you loans, debt settlement, loan modifications, and most importantly personalized, expert financial advice.  Call today for a free consultation at 877-332-8730 or visit us on the web at   www.firstratedebtsolutions.com.

We are:

• A company with over 25,000 clients currently enrolled nationwide
  
• A company with a distinctive approach to negotiating with your creditors that minimizes risk and maximizes success
  
• A company with proven results of low settlements
  
• A company with full time Customer Service
  
• Offering on-line tools with access to your account 24/7
• Experienced and stable with years in the financial sector
  
• A company with an excellent reputation
• A company that cares about helping you

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"Isn't it time to finally be debt free?"