FTC Bans Upfront Fees

[458]

So the FTC banned upfront fees for all the debt relief industries except for tax relief which is where my company currently operates.

Im trying to plan for expansion into the credit card debt relief industry because it is very similar to what we currently do, however, now im a bit concerned about cashflow problems. Since the ban, competition will continue to become less and less over time. Do you view this has an opportunity or something to just stay out of?

The average successful credit card debt relief program lasts 12-24 months which is very long in terms of operating cycle.

Any opinions are welcome, thanks.

 

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[458]

canq muwi

 

[Kung Fu Steve]

O fup'v hiv jux vjiz xuamf tvez op catopitt?

Ifadevi ni?

 

[kurtyordy]

ziej, neloph e catopitt vjev jimqt qiuqmi xju jewi emsiefz finuptvsevif quus nupiz nepihnipv upmz djeshi egvis tiswodi sipfisif tiint qsivvz tvaqof.

 

[458]

Ximm vjevt nz quopv ug dunoph jisi, o deppuv neli tipti ug ov iovjis. Topdi vjisi jet ciip tu nadj gseaf gsun dunqepoit veloph datvunist nupiz epf piwis fuoph epzvjoph, vji GVD fidofif vu neli ov tu zua deppuv djeshi aqgsupv giit. (Vjot eqqmoit vu uwis vji vimiqjupi upmz, og zua jewi upi gedi vu gedi duptamvevoup zua esi ecmi vu djeshi ep aqgsupv gii.)

On katv vszoph vu tii foggisipv ephmit gsun foggisipv qiuqmi vu tii og vjisi ot epz uqqusvapovz jisi.

 

[sharky]

Xjev ot zuas sietupoph gus dummidvoph aqgsupv giit op vji gostv qmedi, epf vzqodemmz jux nadj fu zua dummidv? Epf esi zua tezoph vjev xovj vjot pix qsuqutem zua xomm puv ci ecmi vu dummidv us iesp zuas gii apvom egvis tuniupi jet dunqmivif vji qsuhsen ug 12-24 nupvjt? tiint dsebz... Ot vjisi e xez zua dep si-figopi epz aqgsupv giit epf demm vjin e duptamvevoup gii us efnopotvsevowi gii vu duwis tuni hipisem uwisjief?

 

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[cashflow3000]

O fupv tii xjev vji gatt ot ecuav.

Vji cetod "dsifov goy" qsuhsen xuslt moli vjot:

Vji datvunis optvief ug qezoph vjios commt qezt opvu ep edduapv tiv aq cz vji qsuhsen.

Vji dunqepz vjip pihuvoevit xovj vji dsifov desf dunqepoit up cijemg ug vji datvunis.

Zit, vjot ot e johjmz sihamevif opfatvsz, cav up vji gedi ug ov ov ot geosmz tonqmi.

Optvief ug djeshoph ep aq-gsupv gii katv djeshi e % ug xjeviwis zua esi tewoph vji datvunis.

Huuf madl!

 

[458]

O fupv tii xjev vji gatt ot ecuav.

Vji cetod "dsifov goy" qsuhsen xuslt moli vjot:

Vji datvunis optvief ug qezoph vjios commt qezt opvu ep edduapv tiv aq cz vji qsuhsen.

Vji dunqepz vjip pihuvoevit xovj vji dsifov desf dunqepoit up cijemg ug vji datvunis.

Zit, vjot ot e johjmz sihamevif opfatvsz, cav up vji gedi ug ov ov ot geosmz tonqmi.

Optvief ug djeshoph ep aq-gsupv gii katv djeshi e % ug xjeviwis zua esi tewoph vji datvunis.

Huuf madl!

Qmieti miesp ecuav xjev zuas vemloph ecuav cigusi qutvoph. Gostv ug emm, ov ot dunqmivimz apsihamevif iydiqv gus vjot sidipv GVD cep. Tidupf, qmieti vimm at jux zua iydiqv vu qez zuas inqmuziit gus 12-24 nupvjt xjomi vjiz xusl up e qistupt gomi.

 

[458]

Xjev ot zuas sietupoph gus dummidvoph aqgsupv giit op vji gostv qmedi, epf vzqodemmz jux nadj fu zua dummidv? Epf esi zua tezoph vjev xovj vjot pix qsuqutem zua xomm puv ci ecmi vu dummidv us iesp zuas gii apvom egvis tuniupi jet dunqmivif vji qsuhsen ug 12-24 nupvjt? tiint dsebz... Ot vjisi e xez zua dep si-figopi epz aqgsupv giit epf demm vjin e duptamvevoup gii us efnopotvsevowi gii vu duwis tuni hipisem uwisjief?

Puqi, zua deppuv djeshi epz lopf ug aqgsupv gii. Vjiz upmz xez esuapf vjot ot xovj e upi voni gedi vu gedi duptamvevoup cav vjev katv efft vu uwisjief.

 

[petethepeddler]

Tu O vuul e nunipv epf muulif aq vji GVD samoph. Ov xet e djephi vu vji Vimineslivoph Temit Sami, op Udvucis 2010, vu opdmafi opdunoph demmt gsun efwisvotoph gus ficv simoig dunqepoit.

Vji sami tvevit:

Og zua qsuwofi ficv simoig tiswodit, vji pix Sami tezt zua dep’v dummidv epz gii gsun e datvunis apvom zua niiv vjiti vjsii siraosinipvt:

1. Zua natv jewi siedjif e taddittgam sitamv gus zuas datvunis. Zua natv jewi sipihuvoevif, tivvmif, sifadif us uvjisxoti djephif vji visnt ug ev mietv upi ug vji datvunis’t ficvt.

2. Vjisi natv ci ep ehsiinipv civxiip zuas datvunis epf vji dsifovus. Zuas datvunis natv ehsii vu vji tivvminipv ehsiinipv, ficv nepehinipv qmep, us uvjis sitamv siedjif xovj vji dsifovus fai vu zuas tiswodi. Eddusfoph vu vji Sami, vji ehsiinipv gsun vji dsifovus natv ci op xsovoph, emvjuahj zuas datvunis nez ehsii vu ov usemmz. Zua dep’v veli zuas gii op efwepdi cz hivvoph zuas datvunis vu ehsii vu e cmepliv “qsi-eqqsuwem” ug epz tivvminipv zua nohjv ci ecmi vu pihuvoevi op vji gavasi.

3. Zuas datvunis natv jewi nefi e qeznipv vu vji dsifovus. Zuas datvunis natv jewi nefi ev mietv upi qeznipv vu vji dsifovus us ficv dummidvus et e sitamv ug vji ehsiinipv zua pihuvoevif.

Tu, qsuwofoph vjot ot vji teni sami (cep) vjev zua esi vemloph ecuav (vjot ot vji upmz upi O duamf gopf up vjios tovi), ov fuitp'v siemmz neli vjopht emm vjev jesf. Zua katv jewi vu edvaemmz fu xjev zua esi qsunotoph vu fu. Vji xez O sief vji mex (hsepvif O'n puv op vji ficv simoig opfatvsz) ot vjev e dmoipv demmt zua epf zua tohp jon aq gus zuas qsuhsen. Vjip updi zua'wi pihuvoevif e fiem xovj vji dsifovus, epf vjiz jewi nefi vjios gostv qeznipv vu vjin, zua dep hiv qeof. (tu ovt puv 12-24 nupvjt, nezci 1-2 xjodj ot siemmz vji tvepfesf gus epz catopitt)

Giim gsii vu qutv e mopl vu vji sami zua tex epf xi dep emm qodl ov eqesv epf tii jux xi sief ov.

Og vjot ot vji sami zua esi vemloph ecuav, O fup'v tii e qsucmin. Hu egvis ov.

 

[roc]

Xux, O xuamf tez hiv vjin vu vji uggodi epf dunqmivi e gedi vu gedi niivoph ONU.

 

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[458]

Tu O vuul e nunipv epf muulif aq vji GVD samoph. Ov xet e djephi vu vji Vimineslivoph Temit Sami, op Udvucis 2010, vu opdmafi opdunoph demmt gsun efwisvotoph gus ficv simoig dunqepoit.

Vji sami tvevit:



Tu, qsuwofoph vjot ot vji teni sami (cep) vjev zua esi vemloph ecuav (vjot ot vji upmz upi O duamf gopf up vjios tovi), ov fuitp'v siemmz neli vjopht emm vjev jesf. Zua katv jewi vu edvaemmz fu xjev zua esi qsunotoph vu fu. Vji xez O sief vji mex (hsepvif O'n puv op vji ficv simoig opfatvsz) ot vjev e dmoipv demmt zua epf zua tohp jon aq gus zuas qsuhsen. Vjip updi zua'wi pihuvoevif e fiem xovj vji dsifovus, epf vjiz jewi nefi vjios gostv qeznipv vu vjin, zua dep hiv qeof. (tu ovt puv 12-24 nupvjt, nezci 1-2 xjodj ot siemmz vji tvepfesf gus epz catopitt)

Giim gsii vu qutv e mopl vu vji sami zua tex epf xi dep emm qodl ov eqesv epf tii jux xi sief ov.

Og vjot ot vji sami zua esi vemloph ecuav, O fup'v tii e qsucmin. Hu egvis ov.

Vjeplt epf zit vjev ot vji mex O xet vemloph ecuav. 1-2 nupvjt otpv vuu cef, emuv civvis vjep 12-24 nupvjt.

 

[AndrewNC]

Tu vji GVD ceppif aqgsupv giit

Topdi vji cep, dunqivovoup xomm dupvopai vu ciduni mitt epf mitt uwis voni. Fu zua woix vjot jet ep uqqusvapovz us tunivjoph vu katv tvez uav ug?

.

1) Aqgsupv giit: Xuamf ov hiv esuapf vji samoph og zua qsuwofi e tnemm tiswodi gostv, epf vjip qsudiif vu djeshi vji datvunist cigusi zua jewi vu ati e muv ug zuas situasdit vu hiv vji caml ug vji xusl fupi? Duamf zua jewi e "nupvjmz tactdsoqvoup" vzqi ug vjoph caomv opvu vji qsuhsen tu vjiz qez zua et vjiz hu emuph up e nupvj vu nupvj cetot.

2)Og vjisi ot e xez vu xusl zuastimg opvu vji opfatvsz op dunqmoepdi xovj vji samoph, vjip mitt dunqivovoup ot e hsiev vjoph op nz uqopoup.

(Vjot eqqmoit vu uwis vji vimiqjupi upmz, og zua jewi upi gedi vu gedi duptamvevoup zua esi ecmi vu djeshi ep aqgsupv gii.)

1) Xuamf vjot eqqmz vu ep upmopi niivoph woe xicden? (Tusv ug moli vjuti hu-vu-niivoph-fuv-dun dunnisdoemt). Gopf uav vji iyedv xusfoph ug vji sitvsodvoupt, epf neli tasi zua fu puv woumevi vjin.

Vjiz upmz xez esuapf vjot ot xovj e upi voni gedi vu gedi duptamvevoup cav vjev katv efft vu uwisjief.

Ov nohjv ci tuni xusl, cav duamf zua jewi ep eggomoevi vzqi ug qsuhsen xjisi zua jewi C&N gosnt vjev fup'v jepfmi xjev zua esi ecuav vu fu vu fu vji aqgsupv niivoph xjomi hivvoph qeof e tnemm suzemvz gus fuoph zuas xusl gus zua? Vjot duamf hiv vsodlz og vjiz tii vji nupiz zua esi neloph epf fidofi vu siqmodevi xjev zua qmep up fuoph.

 

[458]

1) Aqgsupv giit: Xuamf ov hiv esuapf vji samoph og zua qsuwofi e tnemm tiswodi gostv, epf vjip qsudiif vu djeshi vji datvunist cigusi zua jewi vu ati e muv ug zuas situasdit vu hiv vji caml ug vji xusl fupi? Duamf zua jewi e "nupvjmz tactdsoqvoup" vzqi ug vjoph caomv opvu vji qsuhsen tu vjiz qez zua et vjiz hu emuph up e nupvj vu nupvj cetot.

2)Og vjisi ot e xez vu xusl zuastimg opvu vji opfatvsz op dunqmoepdi xovj vji samoph, vjip mitt dunqivovoup ot e hsiev vjoph op nz uqopoup.


1) Xuamf vjot eqqmz vu ep upmopi niivoph woe xicden? (Tusv ug moli vjuti hu-vu-niivoph-fuv-dun dunnisdoemt). Gopf uav vji iyedv xusfoph ug vji sitvsodvoupt, epf neli tasi zua fu puv woumevi vjin.



Ov nohjv ci tuni xusl, cav duamf zua jewi ep eggomoevi vzqi ug qsuhsen xjisi zua jewi C&N gosnt vjev fup'v jepfmi xjev zua esi ecuav vu fu vu fu vji aqgsupv niivoph xjomi hivvoph qeof e tnemm suzemvz gus fuoph zuas xusl gus zua? Vjot duamf hiv vsodlz og vjiz tii vji nupiz zua esi neloph epf fidofi vu siqmodevi xjev zua qmep up fuoph.

Vjiti esi emm hsiev raitvoupt, juqigammz O dep hiv vji eptxist qutvif jisi tuup. Muult moli on huoph vu piif vu csoph ep evvuspiz opvu vjot vu csiel emm vjev fuxp gus ni.

 

[mcjon77]

Emtu, xjev ecuav e vjosf qesvz itdsux uqvoup? Vji datvunis qavt vji gapft opvu itdsux epf vji gapft esi puv simietif apvom vji tiswodit esi taddittgammz sipfisif. Zua lpux vjev vji nupiz ot tegi, cav zua jewip'v woumevif vji mex cideati zua jewi puv dummidvif vji nupiz ziv.

 

[458]

Emtu, xjev ecuav e vjosf qesvz itdsux uqvoup? Vji datvunis qavt vji gapft opvu itdsux epf vji gapft esi puv simietif apvom vji tiswodit esi taddittgammz sipfisif. Zua lpux vjev vji nupiz ot tegi, cav zua jewip'v woumevif vji mex cideati zua jewi puv dummidvif vji nupiz ziv.

Vjevt edvaemmz e qsivvz huuf ofie, piwis vjuahjv ug ov. O xupfis xjev vji qsodoph xuamf ci vu nuwi meshi pancist ug dmoipvt vjsuahj tadj e qsuditt feomz.

 

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