Certified Consumer Credit Consultant & Columnist Now Available

This extremely powerful and informative consumer manual is a must read for any one dealing with overwhelming credit liabilities that accompany any type of a financial crisis. The author has well over 15 years of experience as a consultant, credit & real estate newspaper columnist and assisting his readers and referred clientele. His other roles relating to this dimension of his professional services are detailed in the body of this press release.

November 4, 2004 -- Ellis Washington has authored his first of a series of consumer manuals that he has been inspired to write to meet the needs of that segment of the American public that has labeled America as a credit society.

The author is certified by the American Institute of Credit as a Certified Consumer Credit Consultant. He is also a Syndicated Newspaper Columnist, Seminar Leader, Foreclosure Specialist, Third Party Debt Settlement Negotiator, Licensed New York State Realtor, Senior Mortgage Loan Consultant and the CEO of Excel Credit Consulting Services. As Foreclosure Specialist his broad skills in foreclosure recovery and leverage as a columnist has helped large numbers of homeowners to save their homes from foreclosure. Ellis has also functioned as a Complaint & Investigation Facilitator wherein he has structured cases that have been investigated by the Federal Bureau of Investigation, Television Networks, State Banking Departments, Secretary of Housing & Urban Development, Executive Offices of Fannie Mae, Freddie Mac and Sony Mae, Offices of State Attorney Generals in various states, the Federal Trade Commission, United States Bankruptcy Court, Executive Offices of major banks, mortgage lenders, credit bureaus and other major entities. He has confronted and successfully challenged collection agencies that have violated the rights of consumers on numerous occasions. Ellis newspaper columns, Your Credit and The Real Deal About Real Estate have been featured in The New York Christian Times Newspaper, The Love Express Newspaper, and Caribbean Life Newspapers. He has conducted credit seminars for various entities and has also appeared as a guest on the Carol Moorer Cable Talk Show.

It is a fact that Americans live in the greatest country in the world. Despite its frailties, that are common to any society America has proven itself to be the place that offers vast opportunities for achievement for anyone that is willing to set goals, work hard and persevere in spite of the odds that sometimes overshadow their personal circumstances.

Many of the things that others outside of this country simply dream about are attainable in America. We can acquire homes, automobiles, cash, funds for education, jewelry, clothing, and a variety of personal purchases on credit. We can even borrow money for business purposes. In all of these scenarios, if we qualify and are deemed credit worthy, we are afforded the opportunity to tap into and access sources for money that we can agree to pay back over a period of time. Because credit is so readily available to most of us America has become a credit society. As ideal as this credit privilege sounds, because of personal financial setbacks that are fueled by job loss, business failure, sickness, divorces and separations, death, disasters, and other devastating state of affairs, a lot of Americans have moved from the American dream to the American nightmare. Then there are those of us that have fell prey to credit abuse. These are they that have put themselves in an unnecessary bind because of the availability of credit and their champagne taste or out of control spending habits didnt match up with what their budget allows. Even though some of us have not experienced these types of financial predicaments some of us are right on the brink. Thats right, living from paycheck to paycheck, little or no savings, perhaps working more than one job and just a paycheck away from poverty.

If he American nightmare hasnt caught up with you yet, I hope that it never does. Unfortunately, for thousands of consumers that have either read my newspaper columns over the last several years, attended my seminars, or have conferred with me directly, there is a serious growing debt crisis in America. The purpose of this booklet is to provide the American consumer with vital information pertaining to how to cope with this ever-present dilemma, or hopefully, avoid it completely.

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