Author: Kris Eigenbrode

Why Use Credit Services to Gain Financial Freedom

At some point, nearly all of us have fallen into tight financial times. This can be extremely stressful for families and bring forth new burdens to your stability. Learning how to overcome these burdens and manage unforeseen circumstances can help boost your security and financial growth for years to come. You can help take back control of your finances using a credit service provider to assist in nearly all financial situations. These experts are ready to help you become the best you and can provide many of the following services when you reach those bumps in the road.

Payday Loans

Get out from under payday loans that have been pressing on your family with the assistance of credit services like Infinity. We can work with payday loan companies to effectively reduce payments and help guide to on a strong payoff plan that will help boost your credit score and keep the loan interest rates in check.

Medical Bills

Whether you need loans for medical bills or assistance in consolidating your medical bills, credit services can be one of the best ways to alleviate this burden. Most medical bills are unforeseen and something that many Americans have little money saved for. With insurance rates booming and coverage reducing payments, many are facing large sums owed to hospitals for emergency services provided to family members. Work with a credit service provider that can work on your behalf with the medical office that holds your debt to reduce payments and total owed, as well as reviewing your bills for accuracy by the accounting department. This can help keep you as a strong standing borrower in the future and keep your credit strong.

Credit Card Debt

Getting a firm grasp on your credit card debt can save your credit score for years to come. Americans are carrying more credit card debt than ever before, leaving the average American thousands in debt. Working to manage or consolidate your credit card debt can reduce your monthly payments, reduce your interest rates and boost your credit score in the long run. Credit service providers can easily work on your behalf to ensure you are receiving the best payment plan available to you.

Ready to learn more about what a credit service provider can do to boost your financial freedom? Contact Infinity Consumer Services today and learn more!

3 Reasons You Need Tax Resolution Services Today

Debt comes in many forms, but your tax obligations are some of the most important forms of debt to stay up to date with. The IRS heavily tracks all tax submissions and obligations of Americans. If you get behind on your taxes, it can have a negative effect on your financial stability and put a major burden on your family. But what can happen if you become negligent with your tax payments? Learn the major consequences of falling behind on your taxes and how tax resolution services can help solve your problems!

Tax Liens

Tax liens are imposed on real property by the government when a person fails to delinquent taxes in a timely manner. According to the IRS Code, “If any person liable to pay any tax neglects or refuses to pay the same after demand, the amount (including any interest, additional amount, addition to tax, or assessable penalty, together with any costs that may accrue in addition thereto) shall be a lien in favor of the United States upon all property and rights to property, whether real or personal, belong to such person.” This means that your property, whether real estate or personal property can be forfeited over to the United States government as payment for delinquent taxes.

Credit Score

Not paying your taxes can significantly affect your credit score. Creditors take tax issues very seriously and tax liens can cause your credit score to plummet to the very bottom of the score chart. If a credit company looks at your records and sees tax liens from the United States government, this can be an automatic trigger for denial of funds and leaving you no access to additional monetary assistance from creditors and banks alike.

Public Record

That’s right, tax liens are shown in public records. This means that you can potentially be put in a situation where family, friends and employers know about the delinquent taxes and can be put in an embarrassing situation. Avoid these instances by getting right with your tax problems quickly using tax resolution services

What Are Tax Resolution Services?

These services can assist you in negotiating with the IRS regarding your delinquent tax payments to create a reduced and lower monthly or quarterly payment to the IRS. This can possibly lead to an improved credit score quicker and the possibility of more financial freedom in your future.

Ready to learn more about tax resolution services? Infinity Consumer Services is the leader in tax resolution services and has a strong record of positive results with the IRS. Learn more today!

3 Reasons to Choose Debt Restructuring

More and more Americans are facing troubled times and seeing large increases in their debt. Whether due to the economy, job loss or other unforeseen circumstances, the average family carries over 30% more debt than three years ago. This staggering debt is causing many to choose between paying their debts or living in a comfortable manner. They are looking for new and innovative ways to eliminate debt responsibly. One of the best ways to do this is by using debt restructuring tactics. Learn why this could be a great option for your debt here!

What is Debt Restructuring

Consumer Credit Reports define debt restructuring as, “process that allows a private individual or public company facing cash flow problems and financial distress to reduce and renegotiate its delinquent debts in order to improve or restore liquidity so that it can continue its operations.” This means that you can use this process to take back your financial freedom while having the means to sustain your living situation. Debt restructuring looks at the bills that you have and negotiates with the debt holder to create a favorable plan to pay off the debt in a way that does not leave the debtor strapped.

The Ways You Benefit

Reduce Interest Rates

Debt restructuring can often lead to reduced interest rates if negotiated properly. Not only are you able to reduce your payments monthly, but the interest you pay overall is often reduced drastically.

Pay Off Debt Faster

After restructuring, your debt will likely be reduced and possibly consolidated into a more manageable fashion. Your monthly payments will be smaller and interest lower meaning you will have more flex money at hand that you can use to pay down your debt faster.

Better Credit Score

Restructuring your debt enables you to pay more effectively on your debts, which can reflect well on your credit score. If your total debt is reduced and you have more money to pay on the debt, your score will eventually reflect on your good merits. This puts you on the road towards financial freedom faster.

Who Can Help Restructure My Debt?

Infinity Consumer Services is the leader in debt restructuring services nationwide. Our team of experts can work with you and the debt holders to create a beneficial program that reduces the burden on your financial stability. Learn more today!

Why Choose Credit Counseling Even with Good Credit


Finances and credit scores sadly have a strong hold over our lives. A large weight is put on these numbers by financial institutions as the end-all, be-all of a person. Being fiscally responsible and keeping your credit score up, while debt down can be difficult for some just. Life happens and many of us fall behind. But whether you are struggling with debt or are financially sound, you can make positive efforts to boost your credit and reduce debt with credit counseling services. Here are some of the reasons more people are choosing to use credit counseling services no matter their financial situation.

Have a Plan to Reduce Old & Current Debt

Eliminating debt is one of the best ways to improve your credit score. This is probably the biggest factor in your credit score and needs to have the most attention. Those who wish to eliminate debt in the quickest, yet most financially stable way possible often see immense benefits from choose to work with a credit counseling service. These service providers are able to look at your overall debt and use their talents to come up with the best way to reduce your debt without straining your lifestyle. They often see more options and ways than you as the debtor. They can work with you to create an innovative plan for success whether you owe $500 or $50,000.

Start Planning for the Future

Financial stability isn’t just about the here and now. You are working to make your credit better for the future. Just as life happened before, it is likely to throw you curveballs in the future as well. Whether health, auto or home surprises, many wish to be prepared for just this type of occurrence. Working with a credit counselor can help you begin to think about possible upcoming expenses and prepare for these expenses with savings. They can work with you to eliminate your debt as quickly as possible, while preparing yourself to be ready for the future in the best way possible

Reduce Large Bills

Have you collected a large amount of medical bills, gotten behind on your mortgage or owe on your car? These bills can really add up and this does not include interest and late fees. A credit counseling service can work with you to find the best way possible to tackle these bills efficiently while reducing the interest paid. This is often done through debt consolidation. This method works with the vendors who own your debt to consolidate your bills into one larger bill with a lower interest rate, potentially saving you thousands.
No matter what your financial situation, working to eliminate and improve your credit score while reducing debt is a major undertaking. Work with a team to find the most cohesive way to complete this task. Talk with Infinity Consumer Services today!

Examples of Illegal Debt Collection Tactics

Getting a phone call from a debt collector can be scary and nerve wracking if you do not know your rights. It may seem that you are in the wrong, but you should know that in some cases debt collectors attempt to use illegal practices that can force you into making decisions and payments that you are not required to make on your behalf. Knowing what is restricted and illegal according to the federal government can easily make your debt dispute experience more favorable and help improve your credit score immensely.

Debt Collectors cannot speak to third party members about your debt collection so long as you send a letter requested the debt collectors to avoid contact. This includes family members, friends, your work, and any other person that is not you or a member of the debt. There are a few exceptions to the rule:

Power of Attorney: If you are represented by an attorney, the debt collector can only speak to your attorney regarding the matter unless you specifically give the debt collector the right to speak to you. Remember that nearly all calls are recorded by debt collectors so giving this right to the debt collector will be recorded.

Credit Reporting Agencies & The Original Creditor: These parties are privy to this information already meaning they are part of the actual debt dispute.

General Questions: Creditors can call many of those listed above to confirm information such as your name and current residence but cannot:

  • Cannot say you owe a debt collector.
  • Cannot identify their employer as a debt collector.
  • Cannot communicate via postcards
  • Mail cannot indicate the company (logos, addresses, etc).

Creditors cannot harass you during inconvenient hours, use violence, foul language, post your name owing a debt.

All of these are considered major violations of your rights. Work with a trusted debt dispute manager to guarantee the proper steps are followed and your rights protected. Contact Infinity Debt Services today!

Pros and Cons to Debt Management

Attaining financial security is a pivotal move for many in the United States today with such an unstable economy. More than ever, Americans are allocating debt and creating a mountain of stress for the family. Whether you have minimal debt or a large amount, getting your debt in control and having a plan to conquer debt is an absolute must. Often, people are turning to debt management plans to help control and beat debt obstacles. But what is a debt management plan and what are the pros and cons? Find out here!

What is Debt Management?

According to, “ A Debt Management Plan, also known as a DMP, is a debt relief option where a counseling agency works with your creditors to come up with a more suitable monthly payment for your situation. Debt management companies advise you as to your best options to reduce your debt and work towards improved financial success.

Infinity Consumer Services does not perform Debt Management services; we work closely with a company that specializes in Debt Management. They maintain the same high standards in morals and ethics as we do and feel comfortable with our working relationship.

We work with you to find the best option and fit for your situation. If Debt Management is the best way to go, we will introduce and transfer you over to a live agent at our partner company.

Pros of Debt Management Plans

Debt management plans help advise you the consumer on the best options to reduce your credit issues by creating the fastest and most sensible way to reduce your debt. Each situation is different, so it is good to have someone who has a strong background in finance to look at your particular scenario and see the way through the weeds that you may have not seen before. The debt manager can work on your behalf and reduce your debt in a reasonable time and help plan your financial future down to your monthly purchases.

If you maintain an on time monthly payment, you’ll have reduced interest rates and repay 100% of the debts owed. Consumers are typically out of debt in 5-7 years in most instances, which is better than the 15-30 years without a debt manager.

Cons of Debt Management Plans

Debt Management is often confusing for individuals and families based on what they’ve already heard on the TV or radio. Sadly, not every debt manager is out there to help you. Many are more concerned about their profit margins than your bottom line.

To complicate matters further, credit card companies will typically suggest clients use a debt management program. These programs are usually a state and credit card driven solution, meaning that the banks and the states are working together to come up with a plan to get you debt free. This may or may not be in your best interests as a consumer.

These plans require making a payment each month to a third party, and they will disburse your payment out to your specific accounts.  In most instances, the payments stay the same or might even go up to get you out of debt within the 4-5 year repayment window. Since the payment goes out to the company first, and they make your payment monthly, your credit report will reflect this type of relief program. Consumers will have a reduced interest rate with each lender,and one monthly payment, but in most instances the repayment terms make it difficult for individuals already struggling to afford this option.

Additionally, some debt managers have you sign contracts that have rate jumps after 6 months, 1 year and so on. This can be a major stress for someone already in debt. Be sure to read through each plan thoroughly and ask about costs up front before choosing a debt management company. Be sure to research the company online and be certain of their strong reputation.

Ready to tackle your debt issues today? Infinity Consumer Services is the leader in credit counseling and can help you take back control of your credit today!

What To Do After Getting a Debt Collector Call

Getting the dreaded phone call from a debt collector can leave you with a sinking feeling in your stomach and at a loss as to what to do next. Fear not, there are ways to handle this situation and still come out with a grasp on your financial stability. Whether a bill has gotten out of hand, or you have forgotten about a bill completely, you can easily work towards a resolution immediately by following these steps once a debt dispute service has begun.


Get All Information in Writing

Thanks to the Fair Debt Collection Practices Act, any and all information regarding this debt has to be provided to you from the debt collector in writing. As soon as you receive the first call, request that you receive this information immediately. Don’t begin a conversation or light talk with the collector without having all of the needed information with you. Say as little as possible during these conversations and press to receive the information needed to review the supposed debt.


Keep A Record of All Phone Calls and Messages

Document, document, document. Write down the dates, times, conversation, and all dispute information that is discussed between you and debt collector every time. This can be used if the collector is giving you false or misleading information going forward while you fight or extend the debt collection process. This can be tedious, but can possibly save you from getting into a tight situation. You can believe that they are doing the same to you.


Know Debt Collector Restrictions

There are many restrictions that are put on debt collectors. They cannot use obscene language, threaten you or your family, call you at work if you ask them not to, misrepresent your debt and more. Be sure to know your rights and document and continue to document all interactions for possible abuse by the debt collectors.


Call a Debt Dispute Service Provider

Yes, this can all seem a bit overwhelming, but if you receive help from a debt dispute service provider like Infinity Consumer Services you can dispute the debt claim in writing and then be able to review the information with Infinity and determine the best course of action. This will take much of the stress away from you and give you the financial peace of mind you deserve.

Have a debt issue that you need assistance with? Infinity Consumer Services is the leader in debt management, consolidation, debt disputes, and more. Learn more about Infinity’s great financial services today!

3 Reasons Why College Debt is Continuing to Grow


College is something that we all hope and dream will occur in our lives. It is an enriching experience that offers many the first open door to adulthood and living independently. But at what cost? College educations are highly valued, but are putting million of students into large sums of debt. Over 40% of students under 30 have education loans that are past due and many have debts over six figures. Why is college becoming so expensive? Learn the major factors here and how you can control your own student debt.


Tuition Costs

Over the last ten years, nearly every college has seen price increases for tuition. Whether to improve the college experience, increase educator salaries, construction, or any other number of reasons, college tuition is continuously costing the average family more per dollar than ever before. These incremental increases are causing students to take out more college loans than they can handle just to finish an education they have already started.


Government Funding Cuts

Colleges are seeing educational grants and services from the state and federal level dwindle or altogether disappear. Schools are making up for the lack of funding by pushing the buck to students attending each year. The more the state and federal governments cut, the more likely students are to see increases.



Why do colleges need more than just the current tuition and government funding. Many schools are seeing operating costs increase across the board. Inflation causes daily necessities to run the entire school to increase including lodging, food, and utilities, leaving less money for other portions of the education system, including educator salaries. Covering the costs is then passed on to the students.


I Owe for School. What Can I Do?

We know your education is extremely important to you and is something that will hold value for years to come. But how will you be able to manage your principal debt and interest? It is very likely that over the years you were forced to take out multiple loans with different interest rates and time periods. You are able to take these many loans and mold into one with student loan consolidation. This enables companies like Infinity to negotiate and act on your behalf to obtain your existing loans and create a consolidated loan with an improved interest rate and time period. This means you will likely be paying less interest towards your loan over the years saving your well-earned money thanks to your education.
Want to learn more about student loan consolidation? Infinity Consumer Services is the leader in debt consolidation and enables you to live a life with financial freedom. Learn more today!

ADE and ICS Press Release

American Debt Enders a full service debt relief company formed in 2007, with no complaints, has formed a joint venture with Infinity Consumer Services, formed in 2007, also with no complaints, to help manage the significant growth of both companies.

Nassau County, NY (PRWEB) December 05, 2013

American Debt Enders, a full service Debt Consolidation and Debt Settlement company, currently ranked 4th Nationally by Top Consumer Reviews, has formed a joint venture with Infinity Consumer Services to help manage the growth of both companies. ADE has and continues to grow as a company by offering both the most suitable variety of the best debt relief programs available, and also providing education to the consumer whether or not they ultimately enroll in one of the programs we offer. We have shied away from the classic call center model, said ADE founder Steven Ciantro, and Infinity Consumer Services co founder Kris Eigenbrode who’s company operates according to the same model, therefore it simply made sense to enter into the agreement.

Under the terms of the agreement ADE will be able to expand into some new program areas such as Credit Shield, a forensic dispute audit that invalidates third party collection claims, stops harassing phone calls and relieves the consumer of the negative effects of delinquent accounts by restoring their credit. Typical turn time for the client is roughly twelve to eighteen months. Additionally, the joint venture agreement will allow American Debt Enders to expand the number of qualified enrollment specialists available, enrollment specialists and counselors who already operate with the same business philosophy.

Each company will maintain its autonomy in terms of ownership and operations, but will have the advantage of each other’s support structures. Both companies have been in existence since 2007 and neither has a single complaint. The companies currently offer Debt Settlement, Debt Consolidation (Debt Management Program), Pay Day loan debt settlement, Credit Restoration, Free bankruptcy counseling and implementation of a Ch 7 bankruptcy, where suitable, Federal Student Loan consolidation and more with free credit counseling always available.

Consumers may subscribe free to our award winning Free Credit Counseling Newsletter by visiting the ADE website.

We view this as a real opportunity to grow both companies significantly.

American Debt Enders offers its Debt Settlement and Debt Management programs as a contractual affiliate of direct service providers of the services offered. Your counselor will be happy to provide this information to you. NOTE: The Debt Management Program, Credit Card Consolidation program is a non-profit debt consolidation program some state exclusions apply, Your advisor has this information available.