Rip-off Report™ is a worldwide consumer reporting Website & Publication, by consumers, for consumers, to file & document complaints about companies or individuals who ripoff consumers.

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Americans deep in Credit Card Debt are starting Home Bases Businesses. This trend has been growing and is one of the best way to gain Financial Freedom. My guest CJ Boston and I will discuss the ins and out, ups and downs of working from home on the internet. A old strategy that is working out very well is to gather with a small group that shares their knowledge and resources. You avoid many mistakes, it's cost effective and you move to profit at your own pace. Join in the conversation. [Read More!]

Peakperformance Ken has taught Navy Medicine for 30 years. He is familiar with traditional medicine and he has learned of new scientific applications and solutions for helping us get: more strength, stamina, better sleep, less pain and other amazing biologic actions... Come join our healing discussion.
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Credit Card Rest In Peace To Host Bankruptcy Reform Act A Year Late And No Relief

Credit Cardholders Online Training Webinar Series -- October 25, 2006 At 9 PM EST

Website: at VoIP Conference Room

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House Judiciary Committee Chairman James Sensenbrenner, R-Wis., predicted the bill (Bankruptcy Reform Law) would recoup "billions … in losses associated with profligate and abusive bankruptcy filings." Here it is one year later that Bankruptcy Abuse Prevention and Consumer Protection Act went into effect. Americans are far worse off and suffering further financial devastation.

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It is hard to find the breath of Freedom at the beginning of the 21st Century. Beyond the issue of Credit Card Debt, we are facing corruption at a national and international landscape, People it looks like dire times ahead. I am not talking to those who see events through rose-colored glass. Be happy and I hope you are making happy with your friend. Just be careful when you do go shopping for the holidays with your Credit Cards.
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This article ends with the following paragraph and I could not agree more..
"You can do this! You have the power to make wise choices and be financially free. It will require discipline, as well as willingness to examine and change spending habits. The good news is that regardless of where you are at, you can chart a course to be free from credit card debt."

With that said, the journey to financial freedom start with education. There is so much to learn but done use that as an excuse. We are talking about the core of your physical and spiritual life. If you don't control your freedom then choices are made for you that control your very being or existence.

For the last 6 years graduates of NAES (North American Educational Service) have been educating Americans to stop pay their Credit Card Bills. Client have eliminated over $145 million “Credit Card Debt”. On an average of a 12-18 months the debt is gone. Can you image the relief!

They have been asking the Credit Card Companies this very simple question ”Show us the Money”. To be more accurate, prove to me, that I have a loan with you. They are exercising their right initiate billing errors dispute as per the Truth in Lending Act, Amendments
Fair Credit Billing Act 15 USC 1601.

We urge you to visit Credit Card RIP Follow the guide through the Law, Frequently Asked Questions, Testimonial and more. I urge you to listen to the 25 minute detailed overview. Take action and don't feed into feeling powerless. "If You Don't Know Your Rights ...You have none!"


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As the controversial federal bankruptcy overhaul approaches its first anniversary, a new survey of 700 members of the National Association of Consumer Bankruptcy Attorneys (NACBA) is the latest proof that the ill-conceived law is failing on an across-the-board basis. More than two-thirds (68.5 percent) of those surveyed said that their bankruptcy filings are up in the third quarter of 2006, compared to the first half of the year. Almost three out of five bankruptcy attorneys (57.5 percent) now expect filings to reach their pre-overhaul levels by or before the law's second anniversary in 2007.

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What where they thinking when they stated that cardholders would need to double the monthly payment up to maybe 4% from 1 1/2%...Cardholders had the opportunity run out and make those purchases that would tranform their lives to the lifestyle of the "rich and famous" financed through the minimun payments on their credit card. So what the debt equaled or exceeded monthly incomes or even annual incomes several times over.

Then the lanscape changed. For the last 20 years American saw their jobs go off shore, their salaries frozen,inflation grow, medical coverage lost resulting in stress and illness. So you got sick! Luckly you had those credit card to pay for medicine and medical care. But how long did that last? Then came 9-11. Well you know, you experienced it.

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Many of us might know that making one extra payment a year will shorten the period and save you a bundle. This is more then that. It employees traditional lending products coupled with a sophisticated software program. It can also be pay down other high interest debts like Credit Card Debt. You are welcome to listen to the interview. [Read More!]