Bank Of America Fired Jackie Ramos For Helping Customers?

Jackie Ramos, was a Customer Assistance Representative (Code Name “Collections”) at Bank of America.

According to Jackie, she was  fired for trying to help too many of her Customers. In this video Jackie shares one of the payment Options that she used in Customer Assistance at Bank of America.

Jackie’s video account of why she was fired has become a smash hit on the internet – especially among Bank Of America Customers.  Even CNN has  done a report on Jackie’s ordeal.  Jackie Ramos is a real Hero 🙂

Credit Card  Debtors Dilemma:

Jackie listened to struggling Credit Card Debtors and tried to help everyone. Her dilemma was,  often the  Debtors didn’t “qualify” for any beneficial payment options. Just Credit Counseling.  Many of Bank of America Customers are denied due-to lack of enough disposable income.

Why Do Debtors Have To Jump Through Hoops?

Jackie did what anyone with a conscience would do.  First, Jackie took her clients through a Debt Analysis.  She was searching for the Customers Debt to Income Ratio (D.T.I.R).  But Jackie felt like she was requiring the Debtors to jump through hoops, just to get some help.

Jackie  helped as many Debtors as she could get approved for the special payment options available at Bank of America. Many of those Jackie helped did not qualify for help. Those Clients didn’t have enough Disposable Income.

Debt To Income Ratio and Your Magic Fraction?

Do you know what your Debt To Income Ratio is? Your Debt To Income Ratio (D.T.I.R.) is basically what you earn )monthly) minus your expenses.

While Jackie was doing the Debt Analysis for clients, she was not just mindlessly entering numbers in Bank Of America’s data base.   Jackie was trying to  find a fraction of her clients Disposable Income to work with.  She was looking for a fraction of hope for her Customers.

In this video Debt Warriors Member shares the truth about your D.T.I.R.

You Can Easily Find Your “Magic Fraction” Of Income

The good news is, that almost everyone  has a Magic Fraction of income.  In fact, if you earn over $15,000 per year you can get yourself out of Debt at least 3 times faster.

You no longer have to jump through hoops. After you order any Debt Warriors products, we will give you the secret but Magic Fraction to becoming Debt free for yourself. Debt Warriors Magic Fraction Budget Software will make it easy to find your Magic Fraction of income. Just type in your expenses and the Magic Fraction Software does the rest.

The Magic Fraction Software  magically calculates your monthly expenses and gives you the secret numerical formula that will allow you to be Debt free at least 3 times faster than any other method!

Become a member to win the battle over Your Budget in a few easy clicks!

Combine your Magic Fraction of income with the proven, yet secret Key-Words  Debt Warriors provide and you will  own the knowledge to get yourself  free from debt up to 5 times faster!

Every Debt Warriors product comes with the Magic Fraction Budget Software that will show you how to get control and win the battle over your budget.

You can find your Magic Fraction Debt Warriors help. Or you may find it too late.  But you can take action right and call Debt Warriors toll free at 866-576-4996.

Personal Finance: 5 Ways To Increase Your Fiscal Fitness

 

Are you Dealing With The Strains Of Being Fiscally Unfit?

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If so, keep reading today’s article, for five tips to help increase your fiscal fitness.

What Do You Think When You Hear Someone Say “Fiscal”?

When you hear the word “Fiscal”, do you get the image of some big Government bean-counter, who loves to use big words like “Monetary Policy”? If so, we can surely understand. Fiscal is a nerdy word, rarely used outside of Washington D.C., or the fancy think-tank crowd.

The Term “Fiscal” means  anything to do with Finances.

Debt Warriors Mission is to teach American Consumers how to increase their fiscal fitness – for themselves.  So below are five ways to help you increase your fiscal fitness.

1. Figure-out Your Monthly Budget.

Do you know your ‘Debt-To-Income Ratio (DTIR)? More specifically, what do you earn each month as opposed to what you spend?  Credit Counselors use your DITR to figure out a budget to not only help you survive month to month, but also to repay any loans that you may have.

Finding your DTIR is one of the best ways to increase your fiscal fitness.  But please be warned?  Finding your DTIR can be a difficult challenge without the right tools.

 

Become a member to win the battle over Your Budget in a few easy clicks!

Debt Warriors offer the Magic Fraction Budget Builder, which allows you to figure-out your budget in a few easy clicks of a mouse. You won’t find this software anywhere else, because we built it specifically to help you win the battle over your budget.

2. Figure-out What Expenses Your Family Can Live Without.

We understand that all work and no play makes for a dull life.  We know that most people work so their family can live a more fulfilling life.  But what can you live without?

The Magic Fraction Budget Builder helps you instantly see what will happen if you trim your expenses here or there. This software magically calculates and changes your DTIR with every click, which allows you to see your savings instantly!

3. Figure-out Alternatives.

What would happen if you dropped your monthly phone bill and used a service like Google Voice or Magic Jack? Magic Jack is a phone service that uses your computer to make phone calls.  We’ve been using Magic Jack for two years and have all but eliminated our monthly phone bill.

In full disclosure, we are not affiliated with Magic Jack, nor do we receive any payment for endorsing it. We use Magic Jack as an example of an alternative that can help you increase your fiscal fitness.

4. Figure-out Fiscal Mistakes.

Everyone has made a fiscal mistake.  But how you figure them out is a challenge.  For example, it is a mistake to have your money in a Bank when you can have an account at a local Credit Union.  It’s a mistake to sign a loan without reading and fully understanding the “Terms and Conditions”.

And it is definitely a mistake to allow pay someone hundreds up to thousands of dollars to do something you can easily do yourself  like Debt Elimination.

Do you know which fiscal mistakes you may be making right now? What you don’t know can hurt you financially.

5. Figure-Out Five Ways To Live More Frugally.

Finding ways to live more frugally will be a lot easier if you can focus on five ways to do it.  For some examples;

• Shopping at discount stores
• Cutting coupons
• Buy one get one free sales
• Locating the best price for necessary purchases
• Negotiating the best price for large purchases

If you think about it, there are at least five ways that you could live more frugally without feeling like your life is no fun. So we encourage you to brain-storm with your family or close friends to find just five ways that you can live more frugally.

If you follow all of the tips shared today as a guide we are certain that this time next month you will feel your fiscal fitness has improved 🙂 .

 

3 Tasks To Surviving A Personal Credit Crisis

Do you have a Personal Credit Crisis?

Are you afraid that this time you might not survive it?  If so,  I’m going to provide some Coaching that I hope will help you survive your Credit Crisis.

Covey Matrix: Source Credit Wikipedia.org

1.  Put First Things First.

What “putting first things first” means at the most basic  level is,

“Having faith, feeding and or  sheltering your family first“.

Everything else has got to take second place.  Dr. Stephen Covey (author of First Things First) goes into brilliant detail about putting first things first.  Dr. Covey as well as A. Roger and Rebecca R. Merrill outline the difference between “Urgent” vs. “Important” tasks.

According to Dr.  Stephen Covey:

• Urgent Tasks, are those that can NOT be put-off .  The do it now, sort of  Tasks, The things that cannot be put-off  (procrastinated).  For example, you get a flat tire on your only vehicle and you need to get to work.  That’s fairly urgent in my book.  You’ll have to get on that ASAP.
• Important Tasks, are things that you should schedule as part of your mission for self-improvement, in the areas you feel are most important (Faith, Family, Friends, etc).  Scheduling “Important things, like Credit and Debt Management is critical to surviving a Personal Credit Crisis.

Stop Debt Collectors Cold! Call 866-576-4996

2.  Be Prepared – Never Scared.

Debt for many people is a scary thing!  That’s because so few Americans don’t understand their rights.  So when the collection calls start, these Consumers panic and make serious mistakes.    The majority of Americans don’t know that they are protected by many Consumer Laws in the US.

I’m not an Attorney, but I know that every consumer (in debt) in the United States,  has certain Rights, with regards to Debt Collection,  fairness in Credit Reporting and many more. For example, you as an American Consumer have the right to expect that you’ll get fairness in the process of dealing with those you may, or may not owe.  You have the right to not be harassed by Debt Collectors.  You have the right to accurate accounting of any amounts you’re claimed to owe.

The difference between fear and preparedness is that fear separates you from the learning opportunities, to be found on your Battlefield of Debt (want more on your Battlefield of Debt? go to:  Credit Boot-Camp)

3. Plan Your Way Out of Your Credit Crisis

I’ve heard many famous quotes from some Great American Leaders  on planning.   Below are two more that I’ve heard  from my mentors.  These quotes  are guaranteed to help you flip your paradigm, about planning (especially when struggling to survive a Credit Crisis).

1. “If You Fail to Plan, You Plan To Fail”
   
2. “Proper Planning Prevents Poor Performance”

It’s very important to “plan” your way out of your Credit Crisis.

And it’s very urgent that you learn your rights and take those who attempt to violate (your rights)  seriously. Most importantly, you have to find the time and  energy to take action when your credit crisis has become urgent.

For example, if you’ve been turned down for Credit or, your rates have been raised on your Credit Cards or other loans – I would consider your Credit situation as urgent.  You must have your plan ready and be ready to do battle.

There are Americans who have planned their way out of their Credit Crisis.  They have made the promise to themselves, to not let debt defeat them.  They’ve committed to  manage through their Credit Crises – come what may.

These have the knowledge of their rights,  and tools that give them hope – every day.  Now these people use what we’ve taught them and they can easily do the following:

To Order Your Debt Warriors Arsenal Call: 866-576-4996

1.)  Analyze their debt to income ratio,

2.)  Budget their finances by easily finding their Magic Fraction

3.)  Stopping Debt Collection Calls (immediately most times)

4.)  Clean their own Credit Report (saving hundreds)

5.)  Negotiate with their own Creditors

6.)  Learn what Debt Settlement offers are bogus and how to respond

These people have long ago understood the imortance of  managing urgent Credit and Debt situations.  They’ve questioned us, and then they’ve ordered the “Ultimate debt Download” – the Debt Warriors Arsenal.

When they recieved their Debt Warriors Arsenal, they got Debt Reduction Software, and video courses, form letters, spead-sheet and secret key-words that would have taken years to stumble upon by themselves.

They have been informed them of  their rights.  And most importantly these people have been able to take advantage of opportunities that have allowed them to defeat their debt. Those opportunities are included with the Debt Warriors Arsenal (DIY Credit and Debt Management Video Course)  If that isn’t hope, I don’t know what is.