Financial Health

Medical Bankruptcy Is Killing The American Middle Class

A study by researchers at the American Public Journal of Health (APJH) cites the example of a Nobel Laureate selling his medal to pay for medical bills. The same study mentioned the more than 250,000 GoFundme medical campaigns in 2013 alone. Another study found over 500,000 families declare bankruptcy every year because of medical bills. Court records of bankruptcy filers from 2013 to 2016 shows that over 66% were tied to medical issues.

28 million Americans dont have any health coverage.

Even for people with insurance, more often than not, the coverage is so weak that individuals still face bills for prescriptions and other incidentals they are unable to pay for.

Copays and deductibles have risen so much over the years, with some deductibles now at $5,000 and more.

Many Americans feel they can’t afford to use their health insurance because if faced with any unexpected medical bill in the next 30 days, they could not come up with $1,000.

 

Services Available To Our Subscribers for $60/month:

Financial Matters — Subscribers are entitled to bankruptcy representation and defense of lending related legal issues by appropriately qualified attorneys.

Credit Services

Learn how to build and improve your credit score to save more money on car and home loans.

Rebuilding Your Credit – Credit Report Analysis provided (an analysis tool that gives an overview of credit report and credit score with tips on strategies to improve your credit score).

Getting Out of Debt – Service provides an analysis of member’s debt structure to ensure they are managing debt in the most effective way possible. Effective strategies for credit challenges include direct access to non-profit credit counseling services.

Developing a Spending Plan – This service provides analysis of your budget with a goal of developing a realistic spending plan that incorporates current and future financial goals. The analysis will include guidance on maximizing income, reducing expenses, as well as managing the use of credit.

Real Estate — Real estate services include assistance in the acquisition or sale of real property, lease and rental agreements, property boundary disputes and other matters surrounding personal real property.

Home Buying Strategies – This service provides guidance and analysis of strategies for buying a home, as well as information on first time homebuyer programs. Provides direct access to a mortgage loan lender.

Mortgage Counseling – The financial counseling benefit offers objective guidance and information in any area of Mortgage and Real Estate. Whether planning to buy a house or facing losing a home, our financial consultations can provide a wealth of information. Our coaches offer up to date information on topics such as the purchase, refinance, or sale of a home, mortgage loan modifications, foreclosure, or investment properties.

Tax Services

Work with a team of accounting professionals to get more relief from your tax burden.

Income Tax Services – Direct access to discounted tax preparation/tax planning services. If tax preparation service is requested, members will receive a preferred discount of 25% off normal fees.

Civil / Consumer Issues — This category includes issues relating to retail transactions, warranty and other consumer products matters, issues relating to governmental entitlements and benefits, advice on small claims court and other general legal matters.

Online & ID Protection Services

Protect your ID and bank accounts from hackers. Plus, get expert help with all your online defense needs including virus protection and instant tech support. Personal, family and business packages available. *Services vary in Canada and other territories.

Personal / Family Legal Services — These services include adoption and guardianship, custody and support matters, divorce, separation and annulment issues, name changes as well as other domestic or family law issues.

Legal Services

Protect your hard-earned assets from legal liability. Our legal team will help you legally safe-guard your personal assets and businesses. Personal, family, and business packages available.

Estate Planning Law — Preparation of the most popular of estate planning/asset preservation vehicles at prices as low as 25% off usual fees. These services include Wills, Revocable Living Trusts, Charitable Trusts, etc.

Criminal Matters — These services include the defense of both misdemeanor as well as felony criminal acts of all kinds.

IRS Matters — This service assists the member in their negotiation with the IRS, whether in an audit environment or to assist them with a lien or a balance due, in order to affect the most favorable outcome.

Immigration and Naturalization — This category of services includes, green cards, U.S. citizenship, work and student visas, family based immigration, deportation and removal defense, INS and immigration court appeals, asylum and many immigration issues.

 

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