Our client is a financial services product provider operating nationally.  Since 1997 management and staff have tested, developed and delivered a new branch in financial services known as the Liability Management Program. They offer a Program comprising liability portfolio management to clients with placement services provided by financial professionals including accountants, investment advisors, financial planners, attorneys, business consultants, securities brokers and insurance agents (“Financial Professionals”).

They are the only company to offer an independent and end-to-end financial liability management solution that includes technology, fulfillment/processing support, and plan execution thus allowing professionals to offer an integrated approach to their clients’ financial needs. The Company’s key personnel have enrolled thousands of clients, vetted critical software, established product appeal, and confirmed profitability. Brand equity is growing and as a result the Company and its product are now forcefully gaining acceptance and taking their place among the other critical-mass financial services product providers.

Commonly consumers have access to professional assistance in only three-of-four critical areas of their financial lives: tax management, risk management (insurance) and asset management (investments). But the area of financial liability management is not addressed by the broad financial services industry – except the company. Recent changes in home economics have created a need for a client’s financial liability portfolio. U.S. Government agencies report the following:

• The debt load on American Families has tripled in ten years.
• Student borrowing is up 500% in just six years.
• The number of car repossessions has doubled in less than 5 years.
• In 2005 more people filed for bankruptcy than graduated from college.
• If trends persist in the next five years nearly one-in-seven families with children will go bankrupt.
  
  
• In 2005 more Americans went bankrupt than –
• Suffered a heart attack
• Were diagnosed with cancer
• Filed for divorce

• Savings in America have dropped from 11% to a negative 1% while credit card debt has climbed from 4% to 12% of personal income.
• The average family’s fixed expenses are 2½ times higher today than 30 years ago (adjusted for inflation).

The company provides a program that completely eliminates all creditor obligations including mortgages in approximately 7 to 10 years with no compromise in credit standing, no increase in monthly payments and with no out-of-pocket fee. This includes (without limitation) balances on: credit cards, car loans, credit union and bank loans, personal and private loans, IRS obligations, student loans and the mortgages completely eliminated without increasing monthly expense.

The Program enhances the client’s credit rating and there are no out-of-pocket fees to subscribe. The Program is often mistaken for other services that address debt. The Program addresses the client’s financial liability portfolio from a professional management approach far distant from the crisis management that is available through bankruptcy-like options of credit counseling, debt settlement negotiations, etc.

For additional information, please contact us at either, 732-618-4240 or info@dbsimarketing.com