Get Out Of Debt

In this time and age, many people use the Internet for many different things including communication, entertainment, research and so on. People are now continuously connected and giving in to this wired lifestyle. People of all ages whether old or young have been entranced into using such technology. But what effects does it really have, especially on kids?

There are many pros and cons when it comes to kids going online. With the Internet now such a big part of our lifestyle it is unavoidable that children are going to use the Internet. It may be a requirement in school, a fad among friends, and so on. But the main reason why kids use the Internet is because of the availability of free online games for kids. Aside from entertaining, these online games let kids create a virtual world as a form of escape from the real world.

The huge number of young audiences taking part in these online games has contributed to the increase in the number of virtual world games for kids.

Although many reports have said that online games could cause addiction and other negative consequences, just like television, the usage of the Internet may be restricted through parental guidance.

Some kids’ virtual worlds let parents monitor or keep track of their children’s online playtime. One such game is eKidnaworld.com an Australian-themed game that lets parents choose their children’s level of interaction with other users. It is a free virtual world for kids and through the use of award winning safe chat options ensures you know who your child is chatting to.

Aside from being safe and fun, this virtual pet world for kids may help develop children’s analytical prowess, improve children’s social relations, and acquire a competitive attitude.

Not all companies or industries aim solely to profit. There are those who also take into account the safety and benefits of consumers or people. One just needs to have an open mind and conduct a little research.

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Consumers struggling with a high debt burden are reminded that research is required before enrolling in any debt relief program. While there are hundreds of legitimate companies that can help individuals eliminate their debt, there are also plenty of scams circulating within the industry which should be avoided. Before enrolling in any program it is important to investigate the company and the process they claim to use to eliminate debt. Here we are going to take a closer look at a potential scam that has cost some consumers hundreds or even thousands of dollars.

What is the National Debt Relief Program Scam?

It appears many consumers have received a letter in the mail claiming to be from the National Debt Relief Program. Victims of this scam have stated the letter at first glance appears to be from a government agency. Upon closer inspection it becomes clear the letter is not from a government agency but rather GHS Solutions, a debt settlement company. Jennifer Wallis is a Consumer Credit Counseling Service employee in central Oklahoma. She has clients who have received this letter which states the National Debt Relief Program can “reduce monthly payments by up to 50 percent”. Why is this letter considered a scam? Since the letter is designed to look like correspondence from a government agency, many consumers fail to realize it is actually from a debt settlement company. The information is misleading and many consumers who are desperate for a solution to their debt problem may enroll in a program that can have serious negative consequences.

GHS Solutions is a debt settlement company based in Delray Beach, Florida. The Better Business Bureau has given the company a F rating and reports 102 consumer complaints in the past three years. Of the 102 total complaints against the company, 88 are about the company agreeing to perform according to their contract.

GHS Solutions is not the only debt settlement company linked to the National Debt Relief Program scam. It appears consumers have also complained about a company named National Debt Relief and the program they offer to consumers. In this instance consumers have actually enrolled in the program and claim the company did not perform as promised. Clients claim National Debt Relief failed to stop collection calls and did not begin negotiating debt immediately. Other complaints claim the company misrepresents itself to appear like a government agency which leads consumers to believe they are working with a government program designed to assist individuals facing financial hardships.

It is important for all consumers to understand what type of debt relief program they are committing to before moving forward. Debt settlement is a legal process where individuals or companies hired on their behalf, negotiate with creditors to reduce delinquent balances in order to eliminate debt. Anyone considering this process must thoroughly research both the method and any company they consider hiring. There are several risks involved in the process however it can be the best option for people facing a serious financial hardship who would otherwise have to look toward bankruptcy to address their debt situation. It is unfortunate that some debt settlement companies continue to mislead or misrepresent themselves in order to enroll clients in their programs. Consumers are urged to carefully read any correspondence as well as contracts prior to enrolling in a debt settlement program to avoid confusion and disappointment down the road.