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Steven Ciantro
New York
Certified Credit CounselorMember National Association of Certified Credit Counselors, Management Representative of American Debt Enders,Official Debt Expert for Gail Kaspers Top 1% Club
Interests: credit counseling,sharing the gospel,Playing Bass guiter
Recent Activity
Dear Reader, of late American Debt Enders has received a number of inquiries from consumers looking to obtain a Debt Consolidation Loan to relieve their personal cash flow problem. As a result we have responded to meet this need. We have set up a website which contains over forty lenders, all of whom have been peer reviewed. That means that you the consumer have shared your experiences in dealing with each of them. Continue reading
Posted Apr 30, 2017 at Free Credit Counseling
Their seems to be a great deal of misinformation on this topic. The question being do banks have insurance to cover themselves against loss in case of a payment default by a consumer, and is debt dispute valid way of... Continue reading
Posted Sep 2, 2016 at Free Credit Counseling
So why would a debt relief company help consumers find a good source of personal loans? While American Debt Enders does not offer loans directly, even we acknowledge that their are times when it is more appropriate for a consumer... Continue reading
Posted Jul 31, 2016 at Free Credit Counseling
This is part one of a two part article explaining exactly what debt invalidation is. The above question is a popular inquiry on Google and all other search engines. So time to really delve into it. Their may be some... Continue reading
Posted May 13, 2016 at Free Credit Counseling
It is amazing how many people still do not understand what credit restoration is. Credit Restoration is the process of bringing back up a low credit score. Continue reading
Posted Apr 9, 2016 at Free Credit Counseling
After Twelve Years or more of being a dedicated Consumer Advocate, I have reached some conclusions about what programs and approaches work more effectively and efficiently to achieve the desired results. Continue reading
Posted Mar 15, 2016 at Free Credit Counseling
You know when people use the expression, oh, that's just a blank, you can fill in the blank. Well, I am here to tell you that their is nothing about American Debt Enders or its programs that's just anything. Continue reading
Posted Nov 22, 2015 at Free Credit Counseling
If you are struggling with private student loans there is excellent help available. Because of the way in which the private student loan business operates, their is more than one way to approach Continue reading
Posted Oct 23, 2015 at Free Credit Counseling
If you Google this term you will find pros and cons about Debt Invalidation Programs. So, lets clear the record. Debt Invalidation is not so much a program, Continue reading
Posted Sep 23, 2015 at Free Credit Counseling
So if you need debt relief and you check out google for research, you will find plenty of companies out their ready to enroll you in a program. Continue reading
Posted Sep 21, 2015 at Free Credit Counseling
So you finally realize you have a real debt problem. Somehow, the constant ringing of your telephone with people looking for money, no, not the donations kind, is a dead giveaway. Continue reading
Posted Sep 18, 2015 at Free Credit Counseling
American Debt Enders offers one of the best Pay Day Loan help programs available anywhere. First, it is a non profit program, and as such is a non adversarial program. What does that mean exactly? It means that the Pay... Continue reading
Posted May 28, 2015 at Free Credit Counseling
Well, I am going to start this article which will definitely educate you, by republishing the following excerpt The following article excerpt comes from Credit Shield: Discover Bank Sues On Debt it Does Not Own. Who has experience determining ownership... Continue reading
Posted May 26, 2015 at Free Credit Counseling
In keeping with its primary vision and purpose American Debt Enders is bringing Debt Relief to the future of Credit Counseling by getting ready to offer Click To Call debt relief and free credit counseling to mobile users. Continue reading
Posted May 23, 2015 at Free Credit Counseling
This article is presented by: Gale Newell writes about the many aspects of debt and reviews top debt settlement companies. She believes consumers should be as informed as possible when looking into debt relief companies. On her down time, she... Continue reading
Posted Oct 11, 2013 at Free Credit Counseling
As more and more Americans are finding that the banks have become less and less cooperative when consumers run into a tight cash flow, they have more motivation to enter debt settlement programs as a first step in moving to an all cash lifestyle. Continue reading
Posted Oct 6, 2013 at Free Credit Counseling
While I am not a major advocate of bankruptcy, there is no question that there are times when it is the best answer to an individuals debt problem, enabling the debtor to make a fresh start. I am primarily speaking... Continue reading
Posted Sep 12, 2013 at Free Credit Counseling
Top 1% Club Expert. As a partner and featured expert for the Top 1% Club, you are not only able to view many of my articles, but you will also have the opportunity to learn from Top 1% Club Mentor Gail Kasper, host of the new late-night television show Raw Reality, one of the nation's leading professional speakers, and a life and business coach. Continue reading
Posted Aug 24, 2013 at Free Credit Counseling
So what is it that makes us refuse to accept the simple fact that when we were born, we were not entering heaven? Here in this world actions have consequences, and there are rarely, if ever any perfect solutions to a problem we have dug ourselves into. Oh yea, and... Continue reading
Posted Aug 16, 2013 at Debt Settlement Program
So what is it that makes us refuse to accept the simple fact that when we were born, we were not entering heaven? Here in this world actions have consequences, and there are rarely, if ever any perfect solutions to a problem we have dug ourselves into...... Continue reading
Posted Aug 16, 2013 at Free Credit Counseling
The answer is a resounding yes! And why not? Those of you who follow my writings know that I always espouse the value of remaining debt-free as a way to live your life. After all, you only need so much money to live a comfortable lifestyle, and living debt-free will help you get there that much faster. Continue reading
Posted Jul 22, 2013 at Free Credit Counseling
In our first article of this credit restoration series, we laid out Mary’s rather problematic credit report. Her credit score was in the mid 500’s, and here was the breakdown on negatives: Continue reading
Posted Jun 19, 2013 at Free Credit Counseling
No, not the John Lennon song (I never agreed with the premise, but as a songwriter myself, I did like the melody). If all you do is read this article and feel good for a moment, I won’t have accomplished my goal. Every day, I listen to people describe their debt situations in order to allow me to help them, and make no mistake, I count it a privilege to help them. Continue reading
Posted Jun 17, 2013 at Free Credit Counseling
“Just Do It” encourages Nike, “It’s everywhere you want to be,” said Visa, and “Have it your way,” according to Burger King. Advertising has proven to persuade people to buy immediately. Continue reading
Posted Jun 14, 2013 at Free Credit Counseling