Is Freedom Debt Relief Credible?

September 11, 2021

You’ve decided on debt settlement to solve your credit card debt woes, but you haven’t lined up a company to help you. What about Freedom Debt Relief? That’s one of the companies you keep hearing about.

But is Freedom Debt Relief credible? Well, let’s look at that as well as the fundamental aspects of debt settlement.

What is Debt Settlement?

Debt settlement, also called debt relief, is a financial strategy in which you pay a company such as Freedom Debt Relief to negotiate with your creditors for a deal that would allow you to pay less than the amount owed to “settle” your obligations in full. Creditors – typically credit card issuers – typically go along because if you file bankruptcy, they’re basically out of luck.

How Does it Work?

At Freedom Debt Relief, you get a complimentary consultation during which one of its trained reps assesses your financial situation then develops a customized plan. Instead of paying your creditors directly, you’ll place funds monthly into a savings-type account.

Once you have built up a sufficient sum – the amount depends on factors such as your debt load and income – Freedom will use the account as leverage to gain settlements.

After each settlement is reached and approved by you, payment funds will be derived from your account.

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How Long Does Settlement Take?

At Freedom Debt Relief, the program takes between two and four years. You’ll likely get your first settlement in under six months. Remember, you didn’t get into trouble overnight, and it takes time to accumulate settlement funds.

Is Freedom Debt Relief Credible?

Well, more than 650,000 people can’t be wrong. That’s how many people have benefited from Freedom services since 2002 when the company was established. In fact, Freedom Debt Relief – the nation’s largest debt settlement company – has resolved more than $10 billion in debt. But don’t just take our word for it – check out recent Freedom Debt Relief reviews.

Will Freedom Debt Relief Hurt My Credit?

The company will not but the process of debt relief will temporarily cause your scores to go down. However, keep in mind that your scores haven’t been great in a while now anyway, right?

The best news is that, once you’re done with Freedom’s program, your scores will rebound, and rebound more quickly than they would if you filed bankruptcy. Such a filing could hang out on your credit report for up to 10 years, depending on the kind of bankruptcy you file.

How Much Does Freedom Charge?

Nothing upfront, which is what the law dictates although some unscrupulous firms try it anyway. Upon account settlement, Freedom charges between 15% and 25% of the enrolled debt, with an average charge of 21.5%.

The company is transparent about its fee structure, which is what you want. Also, fees are fixed for the program’s entirety. So, you don’t have to worry about prices going up.

How Else Does Freedom Stand Out?

For one thing, the company’s accredited – that’s crucial amid so many scam companies. Freedom Debt Relief is a founding member of the American Fair Credit Council and a high-ranking member of the International Association of Professional Debt Arbitrators.

Also, the company’s certified debt consultants are available any day to answer questions or help you in any way. Customers also have 24/7 access to Freedom’s Client Dashboard, which tracks their progress.

Is Freedom Debt Relief credible? Yes. But more than that, the company’s an industry leader. If you’re in need of debt settlement assistance, Freedom has what it takes to put you on the right financial track.

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An Introduction to Near-Infrared Light Therapy

Light therapy has started a new revolution in the therapy field. From the ancient era, people knew about the benefits of light on health and the mind. Modern science has captured all those benefits in a box and allowed us to receive them whenever we need them. There are various forms of light therapy available, and you can choose them according to your need. Here we are going to talk about Near-Infrared Light Therapy and the range of benefits you can receive from it. Near-Infrared Light Therapy If you are one of the sciency people, you already know that the color of the light depends on the wavelength. The lower wavelength of visible light shows the color blue, and the highest ones project the color light. If the wavelength becomes shorter than the visible blue light, we call them UV rays. And higher than red light is known as infrared. So, naturally, in infrared light therapy, a higher wavelength of light is used. More specifically, the spectrum between 700 – 760 is used for near-infrared light therapy. A higher wavelength of light penetrates the skin more deeply and provides benefits from the inside. Therefore, it can help in energizing the cells from inside, stimulate healing, and give relief from pain. Mostly LED light is used in these therapy lights for delivering the perfect wavelength. It provides a healing effect in the exposed area and provides light energy to the skin cells. It triggers protein synthesis in the cells, increases metabolism and antioxidant activity. Moreover, near-infrared light therapy can reduce pain and increase bone density. It can also help in restoring circadian rhythm, elevating mood, relieve stress, and can help with the quality of sleep. Benefits of Near-infrared Light Therapy As we mentioned earlier, near-infrared light is barely visible to our eyes. It is the shortest among the infrared wavelengths and penetrates higher than visible light in our body. It comes with a plethora of benefits. It doesn’t contain any harmful UV rays and is totally natural. When you expose yourself to near-infrared light, you will have the following benefits: Boost in metabolism Recharged mitochondria Increase white blood cell production Shrunken body fat Promotion of cell regeneration Reduction of inflammation in the body Increased circulation within the body Faster wound healing Reduce recovery time after workout Brightening of skin Reduce muscle and joint pain Increase flexibility Promoting anti-aging proteins in the body Increase testosterone production in the male body How to Use Near-infrared Light Therapy? Receiving light therapy is as simple as it can get. You can either book a session in a therapy center or buy a handheld device. When you want to receive the therapy, you just turn on the device and expose yourself to the light therapy box. The therapy centers have many powerful devices, and you need a professional to supervise your session. On the other hand, some light therapy boxes can come in two forms, handheld and held by fixtures. The therapy lights that are required to be held by fixtures are bigger in size and cover more area at once. The handheld devices are smaller in size, and you can carry them anywhere you want. However, they are often not capable of covering more than one area at a time. You can set your light therapy box held by a fixture in the place where you spend more time. And when you need to receive the therapy, you can just turn on the device, keep doing what you are doing, and receive therapy. The same procedure applies to handheld devices. Make sure you are following proper procedures if you have your therapy at home. Most therapy boxes come with explicit instructions on how you should use them. Also, if any precautionary procedure is described, make sure to maintain it accordingly. When to Receive Light Therapy This part actually depends upon your requirements. You can administer light therapy whenever you want. However, some people can face trouble sleeping when they receive light therapy during the nighttime. In such cases, you can receive therapy during the day to avoid sleep trouble. Also, if you have trouble staying asleep, you can receive the therapy during dusk. If you have any additional problems, make sure to consult your therapist or doctor. Light therapy has opened a door of possibilities in front of us. It has achieved a lot within a short time. Many industries are now adopting this therapy for providing the best possible care to their consumers. We are sure we have just seen a very small portion of the benefits that light therapy can bring us. With time, it will uncover more and more benefits, and we are eagerly waiting for that time. Who knows what the next breakthrough light therapy can achieve?
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Your Guide To Finding The Best Digital Marketing Agency

Promoting your business and its products can be time-consuming and challenging. Thankfully, digital marketing agencies can assist businesses in worrying less about the particulars of their marketing strategy and provide a bigger picture of their brands. A digital marketing agency’s workforce is well-trained and knowledgeable in creating campaigns that successfully market businesses and provide outstanding outcomes. This article presents a guide to choosing digital marketing companies in Singapore that could help you learn more about the field and the advantages of hiring digital marketing services. There will also be tips to help you find the right digital marketing firm and implement digital marketing services. What Is A Digital Marketing Agency? A digital marketing agency utilizes analytics and data to create effective and robust marketing efforts for your company. A digital agency will collaborate with clients to identify the organization’s business objectives and targets to develop a strategy that generates results and raises overall income. Personnel of the digital marketing agency will hold regular meetings to understand the company’s regularly scheduled objectives. They’ll then collaborate with other colleagues to develop a marketing strategy tailored to your company’s needs. They’ll work with their creative and technical digital marketing team to come up with a campaign that gets results. A digital marketing company may offer a variety of services, including: Implementing and administering marketing programs SEO Management Examining the performance of a company’s website and making any necessary tweaks or corrections Offers value for user-experience Identifying and fixing faulty links Analyzing and staying current on marketing and consumer preferences and news regularly Creating visuals for marketing campaigns Campaigning on social media Creating video advertisements Devising innovative methods to general high-yielding leads Optimizing mobile ad and marketing campaigns Creating high-quality materials to engage and educate the intended audience Managing an email campaign After formulating a strategy and launching a marketing campaign, data and analytics are utilized by the digital marketing company to monitor the results and determine which marketing parts should be kept and eliminated. Common Digital Marketing Areas Many top digital marketing agencies in Singapore seek employees with extensive knowledge and expertise in a particular digital marketing aspect. The following are examples of standard digital marketing areas: SEO SEM Data-tracking and analytics Content Marketing And Branding Email Marketing Video Marketing Social Media Marketing Web Design Web Decision A digital marketing company SG tests and analyses each digital marketing campaign using its resources, workforce, marketing tools, and software knowledge to design more effectively that will continue to drive favorable outcomes. The Advantages Of Hiring A Digital Marketing Agency A digital marketing agency can provide you with several advantages, including: They develop profit-generating solutions Employees at the agency work closely with clients, organizing and attending multiple meetings with them. They will educate themselves more about your company and your market to build marketing strategies to attract customers and increase revenues. They employ sophisticated solutions on Google marketing, content marketing, SEO, creatives, agency partnerships, SMM, and digital marketing. They increase your company’s profits and productivity dramatically A marketing firm collaborates with you to assess your business goals. They’ll then use those specifications to build a strategy, goal-oriented promotional campaign from the ground up. They accurately identify and attract your ideal consumers and market Digital marketing companies will design buyer personas for each category of your company’s customers to best produce targeted advertising campaigns. They create one-of-a-kind content and messaging tailored to your target demographic In a digital marketing business, copywriters and content strategists frequently specialize in studying your company, its market, and the type of information your target audience is viewing. It allows them to create content and communication that directly relates to each consumer and answers any questions. Your company’s ROI will increase Digital agencies can analyze the results of each digital marketing campaign to see which ones were profitable enough to continue funding. This provides you with effective paid campaigns that result in a significant ROI for your business. They boost your company’s search engine ranks To improve your company’s SEO and produce good organic traffic, digital marketing professionals provide keywords, build links, and use other optimization techniques. This might help your business stand out and attract more website traffic. The decision of hiring digital marketing agencies will depend on the solutions and services you seek and the objectives you wish to achieve. Many digital marketing companies in Singapore offer a variety of digital marketing services. Some organizations, such as a content marketing agency, may specialize in a single service to provide you with exceptional assistance in that subject. How Do You Look For The Right Digital Marketing Company? Suppose you want to choose the ideal digital marketing agency for your company’s objectives. In that case, you must first figure out which digital marketing firm is suitable for your business. Check the following steps. Determine your company’s requirements and objectives Before you start your quest, meet with your team and identify your particular needs. Specify what qualities you want in a digital marketing agency and what objectives you want them to achieve. Set a budget and timeframe The next stage is to determine what services your business can afford. As you explore firms that provide essential services within your means, this can help you limit your list. Consider your timeframe and how much time you have available to deal with the digital marketing company. Begin looking into several digital marketing firms Perform research with your team to learn about the various award-winning digital marketing agencies that can meet your needs. You may do some research in your area to see if a local firm is ideal for you. Examine each agency’s website to see if their services and ideals correspond with your company’s objectives. Set a meeting with each of your prospect agencies to identify who among them suits you best You can try to contact companies once you’ve narrowed down your choices to discover more about their capabilities. This is an excellent opportunity to learn more about the company you’ll be collaborating >>Read more
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The relation between erectile dysfunction and dehydration

If you have dropped by here then you might be suffering from erectile dysfunction. It is one of the male sexual disorders also known as impotence. Due to impotence, a man is not able to get harder erections in a sustained manner. It is estimated that around the world millions of people can be suffering from this disorder. You can cure your ED problems using Vidalista tablets that contain generic Tadalafil. Tadalafil can remain active in your body for as long as 36 hours. The causes for ED can seem to be unrelating. But on closer research, there have been a lot of internal both physical and psychological causes that are linked to your ED disorder. Do you know that even dehydration can be a cause for your poor erections? Yes, although there have been some basic level researches done and there is no substantial proof from extensive medical studies and researches. But the initial data and information reveal along with proper logic that drinking less water can also be a cause for poor softer erections or impotence. Here we will give you an idea of how dehydration can be potentially linked with your ED problem and how to get cured of it. How ED is linked to your hydration levels? ED can indeed be linked to your ED problems. Of course, you can use Cenforce tablets containing generic Sildenafil in them. But remember that taking in less water throughout the day can aggravate your ED disorder. In general, a person needs to drink around 5-6 liters of water per day to stay hydrated properly. If you are taking a lesser amount than this then it can further your dehydration. Sometimes it may so happen that you are suffering from a minor to moderate level of dehydration without any significant symptoms. It is excessively important to measure your water intake daily. If dehydration levels persist over some time it can cause problems in your erections which can be visually significant gradually. Here is how dehydration is linked to ED disorder Less water can affect the blood volume in your body Do you know that a lower level of water reduces the blood volume in your body? The plasma of your blood is reduced and this can shrink the blood vessels in the body. Due to lower blood volume and constriction of the blood vessels, the flow of blood to certain areas in the body is affected including the penis. And we know that due to low blood flow you can get problems in erection. When your body is dehydrated it releases a certain enzyme called angiotensin I in the blood vessels. This quickly changes into angiotensin II and this can induce the blood vessels to shrink in size due to the low volume of blood. The presence of angiotensin II has already been tested in animals and it has been proved that higher levels of angiotensin II can cause sexual dysfunction. Little research though has been done on humans but certainly, there is enough logic to back things up. To increase the blood flow to the penis tissues you can start taking Vidalista pills that also work by increasing the blood flow to the penis. Less water can make you feel anxious, tense, or even depressed There have been enough studies done to show conclusive evidence that lower levels of water in your body meaning staying dehydrated can make you feel anxious, stressed, and depressed. People already suffering from psychological problems can see intensive results and sudden feel of anxiousness, or severe depression, or even panic attacks. To make things even worse you must be knowing that all these can affect your erections. Psychological problems like anxiety, sudden mood changes, tension, fear, and depression can all be causes behind ED. These are the common symptoms of dehydration Understanding the symptoms of dehydration can be simple. But many times it has been observed that slight levels of depression can be seen without any significant symptoms. If this persists for a long time say a few months or years it can easily give rise to ED or impotence. Here are the most common symptoms of dehydration that one can suffer from- Dark or yellowish urine Dry mouth Fatigue Dizziness Thirst Can taking more water and staying hydrated cure ED? So if there is a relationship between staying hydrated and ED does this mean that, taking more water can cure your ED problem? There are no significant studies and researches to show that staying hydrated and drinking more water can cure your ED. But in some cases, it has been observed that staying hydrated can certainly help you to avoid ED over a long time. There is some basic level evidence to show that staying hydrated can prevent ED over a long time. Drinking less water by those who are already experiencing problems with their erection can significantly increase the problems with their erection. You can take it as a basic precautionary measure apart from using Cenforce pills to take enough water in case you are suffering from ED. What else can you do to cure ED? Drinking more water and staying hydrated is a basic precautionary measure to improve your erections. But apart from this what are your options for ED treatment? With the rise in technology and medical science, there are new treatments for cure. The use of medicines such as Cenforce and Tadalista is among the most common means of curing ED. The use of medicines is very common as it is a cheaper form of effective treatment. You can get cured if you use medicines over a longer time. Apart from this, you can also go for surgeries or the insertion of penile implants for curing ED. This is a permanent cure for ED but unfortunately, there are risks for internal infections or problems with the normal mechanism of the device. Apart from this, there are also herbal supplements such as horny goat weed, Chinese red Ginseng, and >>Read more
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How to choose a WordPress theme for your site

WordPress is not only a blogging platform as the most think. Yes, from the beginning, WordPress was considered as a blogging platform, but later, it converted into a powerful website builder with an SEO friendly and safe enough, easy in use content management system (CMS). WordPress is very easy to use, multipurpose, and versatile enough to create a lot of different kinds of websites, even for basic users without any developer skills. This flexibility and simpleness in use are the main reason why WordPress quickly has grown so high in popularity, and today it is the most popular CMS worldwide. WordPress websites can be used in a lot of different ways. You can build a simple blog, business or service website, and even online store. According to last stats, now more than 75 million or 60% of websites are built on WordPress. But despite this fact, all these sites look and perform in very different ways, because of the endless variety of themes and templates that control and manage the visual aspect and features of each WordPress site. What is the difference between a theme and a template? The theme is the design of the website, its visual aspect, and appearance, and the template is the layout of every single page of the site. WordPress themes WordPress theme is a collection of additional codes that need to be installed on the WordPress core directory to add more functions to the site. All WordPress websites need a theme that manages the essential features, such as the visual aspect and layout of a site. The theme has a diversity of personalization options to let users create a perfect website and adapt it to their needs and purposes. Some themes and templates also provide additional features created to support specific niches and services, such as corporate websites or online stores. Choosing the right WordPress theme or template The right WordPress theme or template for your website depends on your site’s purpose and needs, your skill level, and of course, budget. Consider your site’s purpose All WordPress themes and templates are available for users of different skill levels, from simple ones to more complex and full of different functions. The most important is to select the template that is appropriate for your needs and website idea and purpose. If you are not a web developer, then look for theme features and tools that can let you personalize and control your website without the need to edit its code. Pros and Cons of free and premium themes and templates There are thousands of WordPress themes and templates that can be purchased or downloaded for free from the WordPress Theme Directory and numerous marketplaces. You can find a wide variety of themes and templates as for personal blog purpose, business and corporate sites design themes, service and accounting website templates, and much more on theme directories such as TemplateMonster and ThemeForest. Free themes provide essential basic functionality to the WordPress site, but free themes and templates usually aren’t very flexible and customizable, and developers not often offer upgrades or support. Whereas Premium paid themes and templates do include online support and updates and sometimes also the official community forum of the theme developers. Keep your theme simple, clean and updated Most free and premium WordPress themes and templates come with a wide variety of different flashy tools and amazing options. Keep your theme options and templates clean, simple, and updated to make it easy for you to maintain and manage the site and also easy for your visitors to use. Choose for your website the theme with easy to read fonts and customization options. Choosing the right theme or template is one of the essential points in your decision for your website. The right theme or template is the image of your website and provides your brand and message in the best way. The site must be easy for you to manage, and also has to welcome visitors with an intuitive interface, navigation, and engaging content.
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Beginner’s Guide on Trading ETF

Do you have extra cash that you can spare to invest? If starting a business is a risky move for you, then maybe you can enter the world of stock exchange. This platform has made a lot of people rich without making them leave the comforts of their room. If you would like to begin your investment journey, exchange-traded funds, or ETF, is an ideal investment option for those who are just learning the ropes in investing. Read on to know more about this trading option: Why invest in the exchange-traded fund One of the allures of trading in this platform is that a fund manager handles it, thus, lowering the chances of losing your money due to a poorly-researched trading plan. Instead of putting your money in one basket, you can get a diversified portfolio in just one trade. This move is a good safeguard against badly performing individual stocks. It also helps that trading in this platform is a cost-effective way of gaining diversification without having too many stocks to manage. All the prices are transparent and can be viewed in real-time, so you can see how your stock is doing. It is also very liquid, allowing you to pull out your investment if you need your money for emergencies. Opening an account To start trading ETF, the first step that you have to do is to open an account to a registered broker. A brokerage firm is handled by financial professionals who will execute your trade on your behalf in the Australian Securities Exchange (ASX). As long as you have a tax number, you can take part in the stock exchange. Once your account has been approved, it will all just take a few clicks of a button to transfer money from your bank to your broker’s platform. The same is true if you want to sell your stocks and get your money back to your account. Making your trade At present, there are currently hundreds of exchange-traded funds available in the ASX market. It is best to stick with passive exchange-traded funds and think of long-term investments, rather than venturing on risky trading moves. Another tip when selecting an exchange-traded fund is to stick to the suggestions of your broker firm. It is also helpful if you place an order at least 30 minutes before the ASX market opens. In this way, the price of the exchange-traded fund that you are planning to buy is closer to its NAV value. If you have more time, you may also consider placing your order when the market for your exchange-traded fund’s underlying assets is about to open. For instance, if you are getting an exchange-traded fund with Chinese shares, you should make your order before China’s market opens. One final tip is to trade in lump sums. Most firms require a small brokerage fee whenever you make a trade. These small amounts can add up in the long run if you are not careful with how you trade. Remember that you are trading the stock market to earn money, not to lose it. The best time to invest in the stock market is now. Buying an exchange-traded fund is a relatively low-risk investment option that you can make if you are just starting. What are you waiting for? Open an account and start letting your money grow. Author Bio: Julian Carter is a farmer of words in the field of creativity. She is an experienced independent content writer with a demonstrated history of working in the writing and editing industry. She is a multi-niche content chef who loves cooking new things.
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Is Freedom Debt Relief Credible?

What is Debt Settlement?

How Does it Work?

How Long Does Settlement Take?

Is Freedom Debt Relief Credible?

Will Freedom Debt Relief Hurt My Credit?

How Much Does Freedom Charge?

How Else Does Freedom Stand Out?

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