Welcome to one of America's Best Teachers on Credit!

 

THE CREDIT PROFESSOR

Hello and welcome, Regis Sauger is the founder of The Credit
Professors. A lot of folks think that he is one of the top experts in the
country on credit. Well, apparently the Oprah Winfrey show in Chicago
thought so as they have featured a couple of his articles on the Oprah
Winfrey credit show. I guess that being older and having white hair gives
one that luxury. Is he smarter than anyone else? Nope not at all. He is just
dedicated to sharing knowledge.
Our founder identified a mission over nine years ago and has proceeded
on that mission. He has appeared on the Larry King Internet Radio Show,
Fox TV-4 News, WINK Radio and has been featured on websites all over
the world. He is an author and his articles have been viewed by over
20,000 readers and published in hundreds of newsletters nationally.
Some of you are experts and artisans in your own lives. He simply got
interested in credit and how everyone is affected by it.
At one point in his life, he couldn’t pay his bills and went through a lot of
the hassles you might be encountering now.
He has taken nine (9) years of research and life experiences and has put
the results into this “learn at home” program. You can take your time, you
can look for specific situations and you can even invite your brother-in-law
over to help him. Unless, of course he is like the typical brother-in-law
who “knows it all” which results in nothing getting done at all. As
complicated as these laws are, Regis has put them into an easy-to understand
format.
His stepson is an attorney in Michigan and even he calls the “old man”
occasionally for credit advice. Regis is (73) years old, a retired PGA Golf
Professional, a licensed Florida Mortgage Broker, Author, National
Speaker, Expert Witness in US Bankruptcy Court, Oakland County and
Michigan Circuit Court and has advised insurance settlements relating to
credit issues.
He has written numerous articles on consumer credit that have been read
by thousands of folks just like you and has had numerous articles
published in hundreds of newsletters around the globe. He has conducted
seminars for Attorneys, Bankers, Underwriters, Accountants, Mortgage
Professionals, Real Estate Professionals and the general public.
All you need to do is to type his name into any search engine and you will
see that he does not hide any information from anyone and is dedicated to
helping you raise your credit scores, eliminate the “grief” from scary bill
collectors and guide you through the system.
His knowledge of the mortgage business has proven invaluable when
deciphering the latest foreclosure problems that have surfaced recently.
His ability to communicate with the public is much in demand. Regis is
blessed with the God given skill to speak in phrases and vernacular that
the average person can understand and relate to. The flow of the materials
in this book are evidence of this man's writing and speaking talents.

Education is the Key to your success! You need to attend our Credit Education Seminar and or Workshops to learn the Following:

• What is a credit report and how to read one.
• How to remove derogatory items off your credit report.
• How to find faults in your credit report.
• What is the function of the credit bureaus
• How to stop bill collectors from calling you.
• What are the debts that cannot be legally collected.
• How to get repossessions off your credit report
• What are the laws that protect consumers when it comes to credit
• Learn about the 42 laws that are in the Fair Credit Reporting Act (all in your favor)
• And a WHOLE LOT MORE!

 

We want you to attend the seminar and the hands on training workshop so you can Learn how to read and understand our credit report. THIS WILL EMPOWER YOU with knowledge you will need the rest of your life and to have the best credit ever!

You will also receive a cd with recorded video of 4 classes, along with a pdf of His Book Getting out of Credit Prison! You will also have the documents you need in order to achieve that Best credit score!

Price is 495.00 worth over 2000.00 with live event, the cd and live counseling

If you are thinking ROI (return on investment) You will most likely achieve reaping a 500% return, just deleting the derogatory items off your credit. Your insurance payments will drop drasticly, If you are trying to buy a new car you will get the best lower interest rates and save 100s of dollars each month. You can get that new home at a FHA fixed rate (the better the credit score the lower the interest rate goes!) You can get that new job that checks your credit! Just think of all the possiblities!

Call Carolyn at 303-816-7112 to set up a class near you. We can also set up webinars for Companies that want to educate your employees.

 

Here is the Table of content for Regis's Book! See how much you will learn!

 

TABLE OF CONTENTS
1. About The Author ...................................................................................... 4
2. Money, Business And Greed .................................................................... 6
My First Understanding Of Money
My First Understanding Of Banks
My Introduction To Big Business
Greed And Golf Courses
3. Credit Past And Present.......................................................................... 13
The History Of Credit
Bankruptcy Boom
Credit And Our Nation’s Financial Security
Household Debt Is Soaring
Americans Are Over-Leveraged
4. Credit Reporting....................................................................................... 18
Who Reports On My Credit?
How Is A FICO Score Calculated?
What Does A “Bad” FICO Score Mean?
5. The System – Why They Don’t Want To Help You................................ 21
Get Your Dates Straight
Mortgage Meltdown
The Mess On Wall Street And You
The Federal Reserve
Credit Card Companies
Collections Agencies
Why Would “The System” Want Me To Have Bad Credit?
6. The Law Is On Your Side......................................................................... 34
Fair Credit Reporting Act
Statute Of Limitations And Time-Barred Debts
Fair Debt Collections Practices Act
Truth In Lending Act
7. Dirty Tricks ............................................................................................... 39
Aging Your Account
Restarting Your Credit Prison Clock
Junk Debt Buyers
2
8. Dealing With Harassment........................................................................ 42
Remember Your Rights
How To Stop Nasty Letters
How To Stop Nasty Phone Calls
When Was The Account First Late?
9. Negotiating With Creditors ..................................................................... 50
Negotiate To Lower The Amount Owed
Negotiate To Re-Age Or “Cure” Your Account
Paying A Settled Amount
10. Small Claims Court................................................................................ 55
Negotiating In Small Claims Court
11. Lawsuits And Judgments ..................................................................... 58
Lawsuit Threats: They Must Read You Your Rights
Will They Really Turn My Account Over To An Attorney?
Statute Of Limitations
Getting Your Case Thrown Out Or Judgment Removed
Should You Go To Court?
A Credit Card Contract Is Not Proof Of Debt
12. Foreclosure ............................................................................................ 64
Home Equity Loans And Adjustable Rate Mortgages
Facing Foreclosure
Did You Refinance?
Defense Against Foreclosure
Stop Payments Now
Bankruptcy Is Not An Easy Answer
If You Are Being Sued
Beware Of Foreclosure Saviors!
The Bank May Not Own Your Home
13. Foreclosure - Refinancing And TILA Violations ................................. 70
Canceling Your Mortgage
TILA Audit
Rescission
Quiet Title
What Is The Difference Between Quiet Title And Rescission?
Look On The Bright Side
14. Auto Repossession ............................................................................... 76
Was Your Car Sold In A “Commercially Responsible Manner?”
Was Your Car Damaged Or Stripped On The Way To Auction?
3
15. Medical Bills And HIPAA....................................................................... 81
How HIPAA Can Affect Your Medical Debts
How To Deal With Medical Collections
16. Cleaning Up Your Credit Report........................................................... 83
Get Copies Of Your Credit Reports
Review Your Reports For Errors
Multiple Creditors For One Account
Multiple Account Numbers For One Account
Removing Same Name Information
Proving The Debt
Aging An Account
Time-Barred Accounts
Re-Aging Your Account
Rehabilitating Student Loans
Getting A Credit Reporting Agency To Correct Your Report
17. Getting Started....................................................................................... 96
Mental Preparation
Make Three Piles
Organization And Planning
The Dispute Process
Beware Of “Information Updated” Responses
18. Conclusion ........................................................................................... 103
Appendix: Statute Of Limitations By State.............................................. 105