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Answers to Frequently Asked Questions About Our Service.....
- How do I get Financial coaching ?
- Where can I find the forms ?
- Why don't you pay all of my debts for me like other
Credit Coaching Services do ?
- Who is The SPERO GROUP ?
- What can you do for me?
- When and how do I pay for coaching services?
- Consumer Debt Collection Practices and Your
Rights.
- Some
Facts right from Daves Website----
You simply fill out the necessary forms and then fax or mail them to our
office. You should call or email us for an appointment when you are ready to
submit your forms. We need at least 2 days to process your paperwork and
formulate financial recommendations for you to follow to achieve your goals and
objectives.
We have them on our website where you can view them using Adobe Acrobat
Reader and then print them out so you can begin filling them in.
Click Here to download Forms needed to begin
coaching.
You must have the
Adobe Reader to view and print the forms.
We can also email them to you, fax them to you or send them via US Postal
Service.
You can’t borrow your way out of debt. Consumer Credit Coaching damages
your credit. Some mortgage leanders view Consumer Credit Coaching the same as filing a Chapter 13 bankruptcy. You can
also call the credit card companies yourself to negotiate the interest rates on
your cards. Tell them you are going to transfer the balance to another card with
a lower interest rate. This usually works and gets them to lower your rate. Just
remember to not borrow your way out of debt. IT DOES NOT WORK!
Stay away from Ameridebt and other just like them. You need to learn how to
handle money. Consolidating your debt will not help with this. Do you find it
strange that Ameridebt spent $10-15 million last year on advertising alone? This
not-for-profit business sure has a lot of money laying around. This is not worth
it.
What is the difference between writing ten checks as opposed to one? Do you save
enough time to justify paying Ameridebt??? NO. DO NOT CONSOLIDATE. Just pay the
debts yourself. We will show you how through our coaching service.
My story is that I had a fair amount of debt like almost every other American
today and was looking to get out of it.
Then one day I heard a guy on the radio named Dave Ramsey telling other
people just like us how to do just what I was trying to do. He was making
really good sense and it was practical advice that I knew I could follow. So I listened every day for months and began to follow his advice.
So after many grueling months of hard work, extra jobs and dealing with
creditors I finally reached a point where I could begin to sleep at night, the
calls stopped and there was money left over to do other things I WANTED to do. I
cleaned up $67,000.00 worth of debt in just over 14 months.
I am now on my way to begin building serious wealth because the creditors
aren't getting all of my money anymore. So I can invest it in profitable
ventures.
I was so happy and relieved I wanted to help other people just like myself to
avoid bankruptcy, creditor calls and the feeling of hopelessness and
despair.
After realizing the principles taught by Dave Ramsey worked really well I decided to become
a financial counselor and do what he was doing, "Helping
other people".
I attended every training class Dave Ramsey conducted and I went through a certification
process which consisted of 3 days of intensive training for 14 hours each day.
Once I was a certified financial counselor I then Founded The SPERO GROUP,
opened a business and began coaching clients. I named the company SPERO because
the name means "HOPE" in Latin. I wanted to give people HOPE for
their financial future.
After coaching many people and seeing the hope restored, happy faces, and
relief from the stress, I decided it was time to expand my efforts and help
even more people get out of debt and plan for their future. Thus I started this website and broadened
my coaching services nationwide via telephone and email coaching.
The answer is simple we can walk you through the valley of the shadow of
DEBT, we can guide you through the basics of budgeting and money management.
You tell us what you want to accomplish and we will go to work showing you how
to get there. We specialize in helping people get out of debt and begin building
wealth for their future. We also help people who are wealthy keep on track
financially.
Plus more....
- Personal Financial Coaching
- Cash Flow Planning
- Foreclosure Avoidance
- Credit Negotiations
- Financial Crises Coaching
- Answer Financial Questions
- Avoid Bankruptcy
- Stop Harassing Calls From Creditors
- Retirement Planning Advice
- Estate planning steps
- Investment goal decisions
- and more...
All coaching is paid for at the time it is received. All types of
coaching are paid for in advance and payment is held until the coaching
session is concluded at which time if the client is satisfied the coaching was
worth the cost the payment will then be processed.
For example...if you pay by cashiers check or money order it will be held until the
end of the coaching session and then deposited the next day after the
coaching is conducted. The reason we do it that way is so our clients will
feel good about the whole process. They always find it worth the cost!
Travel expenses may be required in advance when traveling more than 75 miles
for a coaching session.
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