Saving Cash is Saving America:
Your Financial Journey


Take the first steps today on your journey to a secure financial future.

Where should you begin? Our combined 40 years of experience shows that understanding HOW and WHY you are in debt is critical to ensuring you'll avoid repeating past mistakes. We'll help you evaluate your financial history with an eye to financial freedom in the future.

And with our personalized, one-on-one coaching, we'll provide you the tools to free yourself of draining financial issues for the rest of your life. We'll help you transform your relationship with money; access the education and information you need to become self-reliant and secure, and develop a plan that works. You'll learn about available options, and we'll guide you to a solution tailored to your situation and needs so that you can get out of debt without losing everything you've worked so hard to achieve.

You're not walking alone. With the Debt Doctor's help, we can transform your current situation into a valuable learning experience that you'll never have to repeat.

So start your journey toward a debt-free future today.

FREE reports you can get now:


What is a FICO score and how does it work? How a credit score is created
Prevent Foreclosure - Free Report
Bankruptcy Types and Requirements - Free Report
Be Alert to Mortgages Scams - Free Report
How to choose a credit management company? Tip offs to Rip offs

Once you begin your journey with us, you will receive phone and e-mail support from us and the following five Webinars: Lets Get Started


Webinar Series Overview

Budget Analysis

What is Financial Well Being

Gathering of your Financial Information

Posting it into the Spreadsheet

Statement of Net Worth

Spending Plan

Debt Ratios

Liquidity and Emergency Fund Analysis

Coaching Session

 

Credit Counseling

 

  • Intro to the Webinar Series
  • Ways in which we get into Debt
  • Personal Spending Habits
  • 10 Traits of Highly Successful People
  • The S.M.A.R.T. Formula

I have the Knowledge

Maintaining Your Progress

Future Planning
  • Big 3 Financial Goals
  • Life Cycle Planning

About The Debt Doctor, LLC
Disclaimer
Reference List

Credit Forms Assistance

 

Credit Management


Choosing a Credit Counseling Organization

Questions and Answers

Debt management Plans
  • Is a DMP Right for You
  • How to Make a DMP Work for You
  • Debt Negotiation Programs
  • Tip-Offs to Rip-offs
  • Prevent Fraudulent, Deceptive, and Unfair Business Practices

Uniform Debt Management Services Act
  • Registration
  • Agreements
  • Enforcement

US Government Sec 2451.Regulation of Credit Repair Organizations
  • Purpose
  • Sec.403.Definitions
  • Sec.404.Prohibited Practices
  • Sec.405.Disclosure
  • Sec.407.Right to Cancel Contract
  • Sec.408.Noncompliance with this Title Sec.409 Civil Liability
  • Sec.411.Statute of Limitation


 

Identity Theft


What is a Credit Score?
  • How is a Credit Score Used
  • How is a Credit Score Created
  • What are the Ranges of a Credit Score
  • How Do I get a Credit Report with a Score

Fair Debt Collection Practices Act (FDCPA)
  • Prohibited Conduct
  • Required Conduct
  • Enforcement of the FDCPA

IRS National Standards for Allowance Living Expenses

Identity Theft
  • Types of Identity Theft
  • Financial Identity Theft
  • Criminal Identity Theft
  • Synthetic Identity Theft and Medical Identity Theft
  • Techniques in Obtaining Personal Information
  • Individual Identity Protection
  • Identity Protection by Organization
  • Legal Response

 

Foreclosures and Bankruptcy

What is secured debt?

Car or Boat repossession

Know Your Mortgage
  • If You’re Behind on Payments
  • Avoiding Default and Foreclosure
  • Contacting Your Loan Servicer
  • Consider Giving up Your Home Without Foreclosure
  • Housing and Credit Counseling

Changes to Colorado’s Foreclosure Laws 1/1/08

Red Flags

Be Alert to Scams

Mortgage and Credit Related Issues

Report Fraud

Taxes and Foreclosure

New Bankruptcy Laws 10/17/05
  • What is a Means Test?
  • Mandated Financial Counseling Education
  • Types of Discharge in Bankruptcy
  • Commonly Asked Questions about Counseling Provisions to Bankruptcy
  • Taxes and Bankruptcy

President Barack Obama Stimulus Plan 2009

Let's Get Started



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