What Lies in Your Debt Review is a passionate attempt to locate the root cause of delinquency and the correct way to remove it permanently.
The term ‘lies’ within the title is a grim reminder of the fact that loan companies hide a lot of vital details from you thereby compelling you to fall in the “debt-trap”.
Ever since the collapse of the world economy in the year 2008, earning a regular source of income has become a nightmare for all. This is why most people across the globe are now neck deep in debt and unable to lead normal lives.
What Lies in Your Debt is a website that offers unprecedented help to ensure that you recover from that debt permanently and lead a life that permits you to hold your head high.
What Lies in Your Debt Review
Name of the Product: What Lies in Your Debt
Name of the Creator: Liberty Marketing LLC
Type of Product: Digital Guide
Nature of its Usage: Helps You Clear Any Debt Fast
Unique Selling Point: 60 Days Risk Free Trial
Price of the Product: $99 (One Time Fee) Followed by $49 Per Month
Unique Selling Point: Dedicated Financial Managers & Access to Legal Lounge
User Feedback: Very Positive
LeanAndFit Reviewer Rating: Positive
What Lies in Your Debt Review Covers the Following Points
1) What is this Website all About?
2) 6 Ways What Lies in Your Debt Website can Help You
3) The Benefits and Drawbacks of Becoming a Member of this Site
4) The 60 Day Money Back Guarantee
5) Hidden Facts on Student Debts that can Make Your Future Miserable
6) What is My Opinion on the What Lies in Your Debt Review?
What is this Website all About?
What Lies in Your Debt is a website that resolves all your debt related matters. While writing the What Lies in Your Debt Review, I found out that the management team associated with this website had a mind blowing 40 year experience dealing with past due loans.
The management staff at this website has knowledge of the Fair Debt Practices Act and is well versed in educating and resolving bad debts, foreclosure issues, unwanted debt collection calls, outstanding auto loans, outstanding personal loans, asset protection and credit card issues.
This website indulges in penalizing debt collectors for violating the basic rights of debtors thereby safeguarding the basic rights of debtors.
For example, if a debt collector calls and harasses you for a past due debt despite not having the legal right to do so, you can approach Whatliesinyourdebt.com and register your complaint.
This site helps you understand the concepts behind the Telephone Communications Protection Act, the Fair Credit Billing Act, the Federal Debt Collection Practices Act and many more.
Once you know these laws, you shall be able to protect yourself against harassing callers, inaccurate credit card reporting and debt collection practices that is deemed illegal but is still followed by debt collection agencies.
Can My Credit Score be Improved using this Site?
Yes, this website can help you in improving your credit score. You simply need to ensure that you become a member of this website. Thereafter, using your user ID and password that is provided by Whatliesinyourdebt.com, you can seek help from the experts.
There are four main sections of the site, which are ‘news updates’, ‘your home page’, ‘calendar events’ and the ‘forum’. This site has necessary tools that can help in regulating your credit ratings and improve your credit score considerably.
You can also call the support staff on Tuesday evenings via telecommunication calling option and discuss your problems in detail with the experts.
There is a Legal Longue within the website that permits you to get connected with attorneys that can help resolve your bad credit or outstanding loan scenario.
6 Ways How What Lies in Your Debt Website can Help You
What Lies in Your Debt Review covers the six main pain areas wherein you can easily hope to receive aid from the website. These areas can transform your life by ridding you off unwanted debts. Here is a brief look at each category:
1) Fixing Your Credit Reports:
Did you know that one in every three individuals in the United States has an erroneous credit report. Despite sending letters to credit reporting agencies, you may not have been able to resolve this issue.
Missing credit card payments ensure that you incur as high as a 30% interest charge. This is outrageous and can put you in deep trouble. There is always a catch and you end up being the bait.
Keep in mind that it would cost you $1000+ to simply check a single credit report. There are 4 reporting agencies, which in turn imply that you have to pay $1000 to each one of them if you aspire to check your reports.
Whatliesinyourdebt.com identifies flaws present in your credit report and update you of the same. You can then file a legal complaint and avail as high as $4000 per error on your report. Please remember, there are 4 credit reporting agencies involved in determining your debt status.
2) Stop Unwanted Debt Collection Calls:
If you are neck deep in debt and have debt collectors harassing you night and day, you can seek the help of this website and do away with this unnecessary harassment.
In fact, you can convert these calls into money. If the caller is violating the Fair Debt Collection Practices Act, you have the right to seek legal aid and fine the company as high as $500 per call.
The necessary legalities involved in stopping unwanted solicitation calls are provided to member of this website.
3) Help in Foreclosure:
In case you are facing foreclosure, you need not to worry as most lawyers who file a suit against you are not prepared to counter consumers who are aware of their rights.
There are ways and means of earning money when you have received a foreclosure notice. You just need to know how to extract money from greedy lenders, banks or other financial institutions that are hell bent on harassing you.
4) Help from Nagging Debt Collectors:
With more than 77 million Americans suffering from mounting debts, it is all the more important that you find a way to get rid of unscrupulous debt collectors.
While you are forced to pay your debt plus the interest charges, debt collection agencies pay ‘penny to the dollar’ and sell your debts to a third party (laughing all the way to the bank at your expense).
5) Help from Credit Card Companies:
If you are behind the payment of your credit card, you need to be very careful, as the mounting interest shall simply unsettle your monthly budget.
While credit card companies do claim to offer you a settlement, they actually charge you 115 times more that the normal amount in terms of late fee payments.
Nonetheless, there are ways and means of warding off your interest and ensuring that you earn money each time the credit card company violates a rule.
6) Safeguarding Your Assets:
Last but not the least Whatliesinyourdebt.com indulges in protecting your assets. In the wake of wage garnishment, this website steps in and ensures that your asset (home) is kept free from any trouble and is retained by you.
The Benefits and Drawbacks of Becoming a Member of this Site
The Advantages of Becoming a Member of What Lies In Your Debt Website:
1) Clear Knowledge of Debt Laws
More often than not, you are made to suffer by your creditors as you do not have the knowledge pertaining to laws that dedicate your debts. The legal debt advisors at whatliesinyourdebt.com would ensure that you know all the vital debt rules that are necessary for your survival.
2) Quick Resolution to Your Debt Related Issues
The legal advisors are well versed with all the issues that a debtor faces on a regular basis. They would offer you advise and even legal help that would help you resolve your debt issues in a jiffy and in a permanent manner.
3) Dedicated 24/7 Support Staff
This website is basically meant to help debtors escape the clutches of creditors. After becoming a member of this website, you can seek a resolution to your problems in a jiffy by contacting the legal representatives of Whatliesinyourdebt.com as and when the need arises.
4) Affordable Rates
Compared to hiring an attorney to clear your outstanding debts, ‘what lies in your debt’ is a cost effective alternative to getting your life back on track. The costs of this website are way less than the costs that you would have incurred using other means.
5) Real Time Advice that Works in Practical Scenario
The advice provided by the veterans operating this website is based on their years of experience sorting out debt related issues. The strategies suggested by the management of the site would certainly work in a practical scenario.
6) Live Interaction with Members
There is a special forum that you can access to have a word with likeminded debtors. Discuss your problem with them and seek their advice via the website interaction interface.
7) Earn from Your Creditors
This website teaches you the art of earning money from your creditors by pinpointing their legal flaws and capitalizing on them to make money. Members of this website clearly state that they earned as little as $1000 from their creditors within the first two months of using the website.
8) Positive User Reviews
Members who have used this website are very happy with the product. In fact, 99.8% of them have continued being a member of this website. This simply reiterates the fact that this site is extremely effective for debtors.
The Disadvantages of Becoming a Member of What Lies In Your Debt Website:
1) Internet Connection and Patience – If you want to use this product, you need to have a valid internet connection and the patience to sit on your computer chair and browse. If you dislike using the internet, this digital product is not meant for you.
2) This is No Magic Button – This website offers the best and shortest possible solution to your debt related issues. You need to work on the advice provided by the legal advisors. There is no such thing as an instant resolution.
The 60 Day Money Back Guarantee
In the What Lies in Your Debt Review, I made it a point to mention that this digital product is monetarily covered. For a period of 59 days from the date you first placed your order, you are financially covered. This in term implies that you can seek a refund within that time frame, if you are dissatisfied with the services offered by the website.
Hidden Facts on Student Debts that can Make Your Future Miserable
Loan taken by students for perusing higher studies is far more dangerous that you think. With close to $625 Billion worth of debts enjoyed by students below the 35 year age mark, being indebted for life is quite possible. As a student, your lack of knowledge in finances may be forcing you to overdraw your loans. While this may make you happy temporarily, the long term effects of these unpaid loans can become an eyesore even before you know it.
Here are a few facts each and every student needs to know about their student loan:
Masters Degree is Messed Up:
As compared to an undergraduate degree, a masters degree has more value. It shall get you a job that pays 30% more (on an average) than what an undergraduate degree would. So, if you cannot repay your undergraduate loan then, getting another loan to peruse you post graduate studies is not happening (anytime soon). This means, you are not getting a degree. It also means missing out on a higher income bracket.
Stay Home with Your Dad:
Another sad fact related to not paying your student loan is forgetting privacy forever. When you have a student dept to the tune of $25000 (this is just a figure for stating an example), you have lots to worry about. Also, with rentals rising with each passing year, staying in a one bedroom apartment is an almost impossible task for students in debts.
Instead of paying $1600 per month on a one bedroom apartment, students shall prefer to stay with their parents. Several surveys claims that more than 16 million men and women below the 36 year age-group are still staying with their parents. These students were under debt and were unable to afford rentals.
Your Debt Remains Etched in Fico Scores:
While all other debts tend to get wiped clean after a 10 year (non-payment) period, student loan debts tend to remain permanently on the fico scorecard. This in turn implies that your credit scores are always declining. You shall have a tough time trying to get another loan and your premium rates shall be on the higher side.
You may apply for ‘forgiveness’ but student loans that are forgiveness by the Federal government are very few. It is quite possible that you may never get into that bracket. It is evident that a student loan shall tag on with you for life.
Home Loans are Impossible to Get:
With almost 60% students aged in between 27 years and 36 years (not having paid their student loans) are not eligible for home loans. This in turn implies that you shall not be able to purchase a new home all your life. At least not until you pay off your student loan in full (which is a daunting task indeed). Usually, loan companies tend to refuse home loans to students that are unable to pay off their past dues ( with the exception of the go-ahead signal being less than 20%).
12% Delinquency Rate on Student Loans:
Loans that students take to get a degree are often defaulted upon. As per a recent survey conducted by LeanAndFit research staff, the current delinquency rate is close to 12% in students. It simply implies that a student has not paid his/her student loan debts for the past 3 months. If you fail to even get a degree then, the loss is way higher than you ever estimated. You would simply continue to default as you would not get a decent job.
Your Back Balance is Usually Very Low:
If you have not been able to pay your student loan dues then, your bank balance would usually be less than 10K. Simply put, your earning potential shall be reduced considerably. I mean, that could be the only valid reason why you failed to pay your dues on time.
So, a 39 year old student with unpaid student dues usually has less than 9K or 10K in his bank. The same (39 year old) that has paid his student loan in full would have 70K (on an average) as his overall net worth.
Your FICO Score Suffers:
It is very true that a student loan that is unpaid has a dramatic effect on your fico scores. So, if this installment based loan is unpaid, your credit ratings are impacted negatively. Lenders would hesitate in giving you a new loan (based on your poor fico score). So, the next time you think of buying a new vehicle or a house, your unpaid dues (student loan) shall set you back.
Your Life’s Fulfillment Quotient Suffers Considerably:
When you are in debt (student loan repayment), you need to get your act together. Paying back your debt becomes a priority for you. So, you would always try and seek an employment opportunity that gives you maximum returns. Basically, you only run after money (as you have debts to pay off). In case you like a job that pays less, you shall (usually) never go for it.
My Opinion
I’d like to begin my opinion on What Lies in Your Debt review by compiling feedbacks from a few members of the website.
Some of the Member Feedbacks:
@ Marian, a member of Whatliesinyourdebt.com states in his feedback that he has earned a mind blowing $1,70,150 since he started using this website (from the year 2014).
@ Rodney from Illinois says that he is happier than ever before, as after becoming a member of this website, he has learnt the art of handling his creditors. In fact, he has started to work on behalf of his children as well and is taking care of their debts.
@ Ross from Missouri is more than appreciative of the efforts of Whatliesinyourdebt.com. She settled her huge debt using the advice from the site legal advisors for a meager sum of $1500.
@ Dave from Texas settled his massive debt for a meager sum of $3000 using the advice given by the website management.
Taking cue from the above feedback, you can very well understand that members of this website are a happy lot. Not only have they settled their past due debts, they have also managed to earn money (by paying pennies to dollars while settling their debts).
Cost of Becoming a Member of What Lies in Your Debt :
When I decided to become a member of this website (which was about 3 months ago), I paid $99 for the very first month. Thereafter, I shelled out a sum of $49 each month to be able to use the website interface and its facilities.
In the very first month, I gained $2453 by settling my credit card debt (pennies to the dollar). Had I not become a member of this site, I would have definitely paid the entire sum in full. So, I am quite satisfied with the website and the services that it has to offer to its members.
Besides earning money, I also learnt how to settle debts of various kinds (home loan, auto loan, credit card loan etc), get rid of debt collection calls and even extract money from creditors that were not following the FCBA, FCRA, FDCPA and TCPA laws.
If you are neck-deep in debt and need help, you need to browse through What lies in your debt and resolve your stressful issues once and for all. Once you do so, you can hope to remain debt free for the rest of your life!