Imagine Your Life Without Debt


Christmas Disaster Yields More Than Suffering

Posted on December 21st, 2016 by Jorge Newbery

  What could be worse than a natural disaster on Christmas? A powerful snowstorm on Christmas 2012 swept across the southern United States, killing three and spawning nearly 50 tornadoes. In 2001, the city of Buffalo, NY was hit with an incredible 80 inches of snow in under a week, including Christmas Day. Two people […]

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Standoff At Standing Rock: The 99% vs. Big Money

Posted on December 6th, 2016 by Jorge Newbery

Get out, or else. “Protestors…who violate the order do so at their own risk, and assume any and all corresponding liabilities for their unlawful presence and occupation of the evacuation area,” said North Dakota governor Jack Dalrymple. This was after he issued an executive order demanding the “mandatory evacuation of all persons” on the main […]

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“Unfinished Foreclosures” Hinder Housing Recovery

Posted on November 22nd, 2016 by Jorge Newbery

“When I got the offer, I actually cried. When my lender called and said they were willing to work with me, I made up my mind that whatever I needed to do, I was gonna do it.” Two years ago, Laesther Jones, a single mother of five from Buffalo, New York was diagnosed with breast […]

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Oil Industry Challenges Fuel Foreclosures

Posted on October 6th, 2016 by Jorge Newbery

After family deaths, two mortgages, and over 350,000 layoffs in the global oil industry, one West Texas homeowner anguished over the fate of his beloved family home. Days before Thanksgiving, he was laid off from his job at a Houston oil company. He sought relief from banks and lenders, but was repeatedly faced with rejection. […]

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The Downsides of Gentrification: Displacement, Cultural Dismemberment, Death

Posted on August 25th, 2016 by Jorge Newbery

Sinatra’s Hoboken is gone. The working-class port city where the blue-eyed Jersey crooner was born is now a costly example of gentrification in America. The one square-mile city of Hoboken, New Jersey peers across the Hudson River to Midtown Manhattan. From the nineteenth century to the mid-twentieth, Hoboken was a multiracial urban community with tenement-style […]

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Foreclosure Tragedy Can’t Compete with Ryan Lochte

Posted on August 19th, 2016 by Jorge Newbery

Foreclosures are no longer fodder for major news headlines. The media intensity diminished as Americans became dulled to the stories of millions of families being kicked out of their homes by big banks and Wall Street-backed hedge funds. Instead, the media whips up a frenzy over Ryan Lochte and his pals vandalizing a bathroom in […]

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Curing Foreclosure, the Cancer of Homeowners

Posted on July 27th, 2016 by Jorge Newbery

Photo: Ariel Skelley/Getty Images Foreclosure casualties continue to mount almost a decade after the housing crisis began. Between 2006 and 2014, 9.3 million families lost their homes, and the body count continues. Similar to cancer, the cure to foreclosure is elusive. Recalcitrant mortgage holders and servicers, a sputtering economy, stagnant wages for many households, and […]

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Top Ten Metros Where the Most Homeowners Are Underwater

Posted on June 24th, 2016 by Jorge Newbery

When the housing bubble burst almost a decade ago, very few people predicted the fallout would last as long as it has. But today the pain still lingers for countless American homeowners, even though some vibrant real estate markets, such as Portland, Denver and San Francisco, have by and large put the crash behind them. […]

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Dodd-Frank Redlined America’s Poorest Neighborhoods

Posted on June 19th, 2016 by Jorge Newbery

  Redlining, the first time: In 1934, in response to the Great Depression, the Federal Government created the Federal Housing Administration. With low down payments, extended terms and affordable interest rates, the FHA backed mortgages which ignited wealth growth for white people through homeownership. On the other hand, the FHA drew red lines around predominantly […]

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Are you ready to learn about becoming debt-free?

DebtCleanse provides access to self-help services at your specific direction. We are not a law firm or a substitute for an attorney or law firm. We cannot provide any kind of advice, explanation, opinion, or recommendation about possible legal rights, remedies, defenses, options, selection of forms or strategies. Your access to the website is subject to our Terms of Service. The program is too new to have demonstrate any results, and some consumers may experience no results. Not all consumers may complete the program for various reasons, including their ability to save sufficient funds. Not all creditors or debt collectors will accept a reduction in the balance of interest rates, or fees a debtor owes the creditor or debt collector. Any estimates are based on results which will vary based on specific circumstances. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Please contact a tax professional or attorney to discuss tax consequences of settlement. Please consult with a bankruptcy attorney for more information on bankruptcy. Following our program guide will likely have a negative impact on your credit rating. DEBT SETTLEMENT LIKE BANKRUPTCY WILL NEGATIVELY IMPACT CREDIT SCORE. CREDIT COUNSELING PROGRAMS ARE OFTEN LESS AGGRESSIVE AND FOCUS ON FULL PRINCIPAL REPAYMENT IN CONJUNCTION WITH CREDITOR AGREEMENTS. FAILURE TO TIMELY PAY DEBT MAY RESULT IN A DECREASE IN CREDITWORTHINESS AND INCREASE IN DEBT OWED DUE TO INTEREST AND FEES.