Financial Crisis Workshop

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Delivered by Terry Geter of Lifewealth group, this financial crisis powerpoint presentation is a good resource when facing the challenge of managing debt . These principles work for anyone, however special attention has been given to Biblical reference in in determining the strategies of success

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  • Cosigning – 50% pay bank loans; 75% pay finance company loans
  • According to Realtytrac, in Florida. The lender is not required by state law to notify the borrower before initiating the foreclosure process , but individual mortgages or deeds of trust might call for this. The borrower can stop the foreclosure up until the date of the sale by paying the total amount owed to the lender. Process takes approx 135 days
  • Financial Crisis Workshop

    1. 1. Economic Crisis Workshops Financial 911
    2. 2. Agenda <ul><li>Our Current Financial Situation </li></ul><ul><li>Major Concerns for Americans today </li></ul><ul><li>Non-financial side of finances </li></ul><ul><li>Managing debt & Prioritizing payments </li></ul><ul><li>Understanding the collection industry </li></ul><ul><li>Dealing with creditors </li></ul><ul><li>Understanding Foreclosure </li></ul><ul><li>Bankruptcy </li></ul>
    3. 3. Our Current Financial Situation <ul><li>Real Estate Crisis </li></ul><ul><li>Mortgage Crisis </li></ul><ul><li>Foreclosures in Florida = 1 out of every 213 properties. </li></ul><ul><li>Unemployment at 8.1% </li></ul><ul><ul><li>This is the highest level in 25 years </li></ul></ul><ul><ul><li>Over 4.4 Million Jobs have been lost </li></ul></ul><ul><ul><li>Employees are worried about job security. </li></ul></ul><ul><li>Many small businesses are now out of business or are on the verge. </li></ul>
    4. 4. Major Concerns for Americans <ul><li>The Economy </li></ul><ul><li>Stock Market </li></ul><ul><li>Mortgage Crisis </li></ul><ul><li>Home is worth less than what is owed </li></ul><ul><li>Loss of job or unable to find a job. </li></ul>
    5. 5. Non-financial side of finances <ul><li>Save the marriage </li></ul><ul><li>Understanding each other – his/her reactions to financial stress </li></ul><ul><li>Stress management </li></ul><ul><ul><li>Keep healthy – exercise, eat healthy </li></ul></ul><ul><ul><li>Communication </li></ul></ul><ul><li>How to communicate financial situation with kids </li></ul><ul><ul><li>Reinstituting “NO” </li></ul></ul>
    6. 6. Debt <ul><li>Scripture does not say debt is a sin, but it discourages it. </li></ul><ul><li>Debt is considered slavery </li></ul><ul><ul><li>Proverbs 22:7  Just as the rich rule the poor, so the borrower is servant to the lender. </li></ul></ul><ul><li>Repayment is required </li></ul><ul><ul><li>Romans 13:8 Owe nothing to anyone—except for your obligation to love one another. If you love your neighbor, you will fulfill the requirements of God’s law </li></ul></ul><ul><ul><li>Psalm 37:21 The wicked borrow and never repay, but the godly are generous givers </li></ul></ul>
    7. 7. Credit Card Industry <ul><li>First credit card born in 1950 </li></ul><ul><li>1970 only 15% of people had plastic </li></ul><ul><li>Now college students are bombarded with offers with the average leaving school with over $5,000 in credit card debt </li></ul><ul><li>Industry takes in $43 billion per year in additional, unexpected fees from the consumer </li></ul><ul><li>Average household cc debt has increased 167% in 17 years </li></ul><ul><li>45% of American cardholders make only the minimum payments </li></ul><ul><li>American households spend over $412 billion in credit card charges every year </li></ul>
    8. 8. How do I deal with all the stress and achieve Financial Freedom? <ul><li>It is a process </li></ul><ul><li>It takes dedication & discipline </li></ul><ul><li>I recommend you use the Crown Money Map system </li></ul><ul><li>Today we will talk about 3 of the 6 destinations on the Crown Money Map </li></ul>
    9. 9. Destination 1 = Emergency Savings
    10. 10. Destination 1 = Emergency Savings <ul><li>Destination 1 complete </li></ul><ul><ul><li>Personal Financial Profile </li></ul></ul><ul><ul><li>Living on a spending plan </li></ul></ul><ul><ul><li>Save $1000 </li></ul></ul><ul><li>Monthly or weekly budget meetings </li></ul><ul><ul><li>Do it together </li></ul></ul><ul><ul><li>Agree on outcome – flexibly & compromise </li></ul></ul><ul><ul><li>Determine what happens with each paycheck (income allocation) </li></ul></ul><ul><ul><li>Refine goals </li></ul></ul>
    11. 12. Spending Plan <ul><ul><li>Dave’s 4 walls + 2 </li></ul></ul><ul><ul><ul><li>Tithe </li></ul></ul></ul><ul><ul><ul><li>Food </li></ul></ul></ul><ul><ul><ul><li>Shelter </li></ul></ul></ul><ul><ul><ul><li>Transportation </li></ul></ul></ul><ul><ul><ul><li>Clothing </li></ul></ul></ul><ul><ul><ul><li>Medical </li></ul></ul></ul><ul><ul><li>Debt & other </li></ul></ul><ul><ul><ul><li>Non essential expenses </li></ul></ul></ul><ul><ul><ul><ul><li>Cable, high speed internet </li></ul></ul></ul></ul><ul><ul><ul><ul><li>School functions </li></ul></ul></ul></ul><ul><ul><ul><li>Debt </li></ul></ul></ul><ul><ul><li>Savings & Wants/Desires </li></ul></ul><ul><ul><ul><li>Entertainment </li></ul></ul></ul><ul><ul><ul><li>Gifts </li></ul></ul></ul>
    12. 13. Living Simply Quote <ul><li>Give before you save. </li></ul><ul><li>Save before you spend. </li></ul><ul><li>Don’t spend what you don’t have. </li></ul><ul><li>- Renaut </li></ul>
    13. 14. Destination 2 = Credit Cards Paid Off
    14. 15. What God’s word says about getting out of debt. <ul><li>Gazelle Intense </li></ul><ul><ul><li>Proverbs 6:1-5 </li></ul></ul><ul><ul><ul><li>My son, if you have put up security for your neighbor, if you have struck hands in pledge for another, if you have been trapped by what you said, ensnared by the words of your mouth, then do this, my son, to free yourself, since you have fallen into your neighbor's hands: </li></ul></ul></ul><ul><ul><ul><li>Go and humble yourself; press your plea with your neighbor! </li></ul></ul></ul><ul><ul><ul><li>Allow no sleep to your eyes, no slumber to your eyelids. </li></ul></ul></ul><ul><ul><ul><li>Free yourself, like a gazelle from the hand of the hunter, like a bird from the snare of the fowler. </li></ul></ul></ul>
    15. 16. GAZELLE
    16. 17. CHEETAH
    17. 19. Debt Snowball <ul><li>Pay minimum payments on all debts except for the smallest one. Then, attack that one with gazelle intensity! Every dollar you can get your hands on should be thrown at the smallest debt until it’s gone. </li></ul><ul><li>Then do the same thing with the next smallest one by applying what you were paying to the first debt to the second debt and so on…. </li></ul>
    18. 20. Accelerated Debt Payoff Calculator
    19. 21. Accelerated Debt Payoff Calculator
    20. 22. Accelerated Debt Payoff Plan Pmt# Sears Home Depot Visa Mastercard 1 95.00 25.00 98.00 60.00 2 95.00 25.00 98.00 60.00 3 95.00 25.00 98.00 60.00 4 95.00 25.00 98.00 60.00 5 95.00 25.00 98.00 60.00 6 95.00 25.00 98.00 60.00 7 95.00 25.00 98.00 60.00 8 95.00 25.00 98.00 60.00 9 95.00 25.00 98.00 60.00 10 95.00 25.00 98.00 60.00 11 95.00 25.00 98.00 60.00 12 95.00 25.00 98.00 60.00 13 95.00 25.00 98.00 60.00 14 95.00 25.00 98.00 60.00 15 95.00 25.00 98.00 60.00 16 95.00 25.00 98.00 60.00 17 95.00 25.00 98.00 60.00 18 95.00 25.00 98.00 60.00 19 95.00 25.00 98.00 60.00 20 95.00 25.00 98.00 60.00 21 95.00 25.00 98.00 60.00 22 95.00 25.00 98.00 60.00 23 95.00 25.00 98.00 60.00 24 95.00 25.00 98.00 60.00 25 95.00 25.00 98.00 60.00 26 95.00 25.00 98.00 60.00 27 95.00 25.00 98.00 60.00 28 75.86 44.14 98.00 60.00 29 120.00 98.00 60.00 30 120.00 98.00 60.00 31 120.00 98.00 60.00 32 175.44 98.00 4.56 33 180.00 98.00 34 180.00 98.00 35 180.00 98.00 36 180.00 98.00 37 5.68 272.32 38 278.00 39 278.00 40 278.00 41 250.60
    21. 23. Destination 3 = Consumer Debt Paid Off
    22. 24. Managing debt <ul><li>What if you can’t make the minimum payments? </li></ul><ul><ul><li>Contact creditors to see if payment reduction possible </li></ul></ul><ul><ul><li>See if student loans can be put on hardship deferral </li></ul></ul><ul><ul><li>Temporarily stop paying selected debts until others are paid off </li></ul></ul><ul><ul><li>Pro-rata payments </li></ul></ul>
    23. 25. Managing debt <ul><li>Pro-rata payments – pay “fair share” to all debtors </li></ul><ul><ul><li>Calculate total debt </li></ul></ul><ul><ul><li>For each debtor calculate their percent by dividing their total payoff by the total debt </li></ul></ul><ul><ul><li>Multiply the total money available for debt payments by debtor percentage to get the amount to pay that debtor </li></ul></ul>
    24. 26. Managing Debt <ul><li>Debt Consolidation </li></ul><ul><ul><li>Do not attempt until living on a spending plan for 6 months </li></ul></ul><ul><ul><li>Do not put unsecured debt (credit card) onto secured debt (home equity line) </li></ul></ul><ul><ul><li>Evaluate if one payment versus multiple payments will truly affect your life </li></ul></ul><ul><ul><li>The emotional rewards from paying off the debts will not be achieved with consolidation </li></ul></ul><ul><ul><li>Often stay in debt longer and pay more in interest & fees </li></ul></ul><ul><ul><ul><li>Do not consolidate low interest loans – usually overall interest paid will increase </li></ul></ul></ul><ul><ul><li>Beware of scams </li></ul></ul>
    25. 27. Managing debt <ul><li>Review annual credit reports </li></ul><ul><ul><li>79% contain some kind of error in survey conducted by US PIRG with 25% serious enough to deny credit, 22% listed same mortgage twice </li></ul></ul><ul><ul><li>www.annualcreditreport.com – watch out for others </li></ul></ul><ul><ul><li>Only thing that can be removed is inaccurate information </li></ul></ul><ul><ul><ul><li>Beware of clean up company scams </li></ul></ul></ul><ul><ul><li>Reported inaccuracies must be removed within 30 days of notification </li></ul></ul><ul><li>Watch for Identity Theft </li></ul><ul><li>Never Cosign </li></ul><ul><ul><li>Proverbs 17:18 It’s poor judgment to guarantee another person’s debt or put up security for a friend. </li></ul></ul><ul><li>FICO score </li></ul><ul><ul><li>Not your identity </li></ul></ul><ul><ul><li>Completely calculated on debt metrics rather than assets or income </li></ul></ul><ul><ul><li>Affects cost of living – i.e. insurance, or your ability to get a job. </li></ul></ul>
    26. 29. The collection industry <ul><li>Why do you need to know this? </li></ul><ul><ul><li>Knowledge is power </li></ul></ul><ul><ul><li>Knowledge leads to feeling more in control </li></ul></ul><ul><ul><li>Knowledge leads to better decision making </li></ul></ul>
    27. 30. The collection industry <ul><li>Collectors job is to get money, not help you </li></ul><ul><li>They are trained salespeople. </li></ul><ul><li>They will act like your friend, but they are not your friend </li></ul><ul><li>Focus is to raise your anger or fear so that you will make emotional decisions </li></ul><ul><ul><li>Counteract by knowing how much you can pay to the creditor and when you can pay it. </li></ul></ul><ul><li>High turnover = lack of experience = follow a script </li></ul>
    28. 31. The collection industry <ul><li>Fair Debt Collection Act </li></ul><ul><ul><li>Restricts calls between 9 p.m. and 8 a.m. unless they have your permission </li></ul></ul><ul><ul><li>Allows you to demand that a creditor cease calling you at work. Send certified letter with return receipt requested </li></ul></ul><ul><ul><li>Cannot garnish your wages or take a bank account without proper court action, except IRS & student loan debt </li></ul></ul>
    29. 32. Dealing with creditors <ul><li>Communicate with creditors on your terms </li></ul><ul><ul><li>Determine how often you will talk to them </li></ul></ul><ul><ul><li>Send them your budget/debt snowball </li></ul></ul><ul><li>Demand they treat you with respect </li></ul><ul><ul><li>No yelling, cursing or threatening </li></ul></ul><ul><ul><li>Hang up if they are disrespectful </li></ul></ul><ul><li>Let answer machine get it & call back to talk to customer service representative </li></ul><ul><ul><li>Remember to turn the sound down to protect little ears </li></ul></ul><ul><li>Utilize caller ID and talk only when you are emotionally prepared </li></ul>
    30. 33. Dealing with creditors <ul><li>Hire someone to assist, including debt management </li></ul><ul><ul><li>Watch for scams </li></ul></ul><ul><ul><li>Consumer Credit Counseling </li></ul></ul><ul><ul><ul><li>www.cccsfl.org </li></ul></ul></ul><ul><ul><ul><li>800-984-0977 </li></ul></ul></ul><ul><ul><li>Family Life Resources </li></ul></ul><ul><ul><ul><li>www.flrministry.com </li></ul></ul></ul><ul><ul><ul><li>800-553-8621 </li></ul></ul></ul><ul><ul><li>Note: some of these will appear negatively on your credit report </li></ul></ul>
    31. 35. Dealing with creditors <ul><li>NEVER give them access to your checking account </li></ul><ul><li>ALWAYS get settlements in writing before paying </li></ul><ul><li>Divorce decree does not supersede original contract and does not release your liability </li></ul><ul><li>Payment in full does not remove your payment history </li></ul><ul><ul><li>Credit & collection accounts remain 7 years </li></ul></ul><ul><ul><li>Bankruptcy remains 10 years </li></ul></ul>
    32. 36. Understanding foreclosure <ul><li>General process </li></ul><ul><ul><li>Varies by state, defined in contract </li></ul></ul><ul><ul><li>1 st missed payment – call or letter from lender </li></ul></ul><ul><ul><li>2 nd missed payment – call or letter from lender </li></ul></ul><ul><ul><li>3 rd missed payment – demand letter from lender with date of required payment to stop foreclosure process </li></ul></ul><ul><ul><li>4 th missed payment – attorney’s get involved, court actions filed </li></ul></ul><ul><ul><li>Sheriff or trustee sale notice </li></ul></ul><ul><ul><ul><li>happens as early as 2-3 months depending on state </li></ul></ul></ul><ul><ul><ul><li>Notice taped to the door and place in local paper </li></ul></ul></ul><ul><ul><ul><li>Notice contains date of sale </li></ul></ul></ul><ul><ul><li>Sale of home – home must be vacated </li></ul></ul><ul><ul><li>Redemption period – time after foreclosure when you can reclaim your home by payment amounts due, including foreclosure costs </li></ul></ul>
    33. 37. Understanding foreclosure <ul><li>Signs of risk </li></ul><ul><ul><li>Missed payment </li></ul></ul><ul><ul><ul><li>Do not ignore letters from lender – communicate with them </li></ul></ul></ul><ul><ul><ul><li>Stay in home </li></ul></ul></ul><ul><ul><ul><li>Contact HUD-approved housing counseling agency (1-800-569-4287) or Hope Now (888-995-HOPE) </li></ul></ul></ul><ul><ul><li>Haven’t missed but afraid you might </li></ul></ul><ul><ul><ul><li>Don’t ignore the problem </li></ul></ul></ul><ul><ul><ul><li>Contact lender as soon as you realize that you have a problem </li></ul></ul></ul><ul><ul><ul><li>Open and respond to all mail from lender </li></ul></ul></ul><ul><ul><ul><li>Know your mortgage rights – </li></ul></ul></ul><ul><ul><ul><ul><li>Read your loan documents </li></ul></ul></ul></ul><ul><ul><ul><ul><li>Learn state foreclosure rights </li></ul></ul></ul></ul><ul><ul><ul><li>Understand foreclosure prevention options </li></ul></ul></ul><ul><ul><ul><li>Contact HUD-approved housing counseling agency (1-800-569-4287) or Hope Now (888-995-HOPE) </li></ul></ul></ul>
    34. 38. Understanding foreclosure <ul><li>Explore Alternatives to foreclosure </li></ul><ul><ul><li>Special forbearance – repayment plan, payment modification plans </li></ul></ul><ul><ul><li>Mortgage modification – refinance and/or extend the term </li></ul></ul><ul><ul><li>Partial claim – one time payment from FHA insurance fund </li></ul></ul><ul><ul><li>Pre-foreclosure sale/short sale </li></ul></ul><ul><ul><li>Deed-in-lieu of foreclosure </li></ul></ul>
    35. 39. Understanding foreclosure <ul><ul><li>Contact HUD counselor to explore options (1-800-569-4287) </li></ul></ul><ul><ul><li>Avoid foreclosure prevention companies - will pay for something you can get free </li></ul></ul><ul><ul><li>Beware of scams!!! DO NOT work with non-HUD approved agencies. </li></ul></ul><ul><ul><li>Do not sign any papers you don’t understand </li></ul></ul><ul><ul><li>Get all promises in writing </li></ul></ul><ul><ul><li>Do not give access to your checking account </li></ul></ul><ul><ul><li>Beware of any arrangement where you are not formally released from liability </li></ul></ul><ul><ul><li>Check with a lawyer or mortgage company before entering into any deal involving your home </li></ul></ul><ul><ul><li>If selling on your own, check for complaints against buyer </li></ul></ul>
    36. 40. Understanding foreclosure <ul><li>www.hud.gov/foreclosure/foreclosuretips.cfm </li></ul><ul><li>www.hud.gov/local/fl/homeownership/foreclosure.cfm </li></ul><ul><li>portal.hud.gov/portal/page?_pageid =73,1&_dad= portal&_schema =PORTAL </li></ul><ul><li>www.realtytrac.com/foreclosure-laws/Florida-foreclosure-laws.asp </li></ul><ul><li>www.floridaprobono.org </li></ul>
    37. 41. Bankruptcy <ul><li>Gives debtors a fresh start </li></ul><ul><li>Gives creditors a means to receive their fair share of assets </li></ul><ul><li>Provides some relief from creditor pressure </li></ul><ul><li>Some debts are not dischargeable </li></ul>
    38. 42. Bankruptcy <ul><li>Relief from creditor pressure </li></ul><ul><ul><li>Most creditors cannot call, write, or sue you after you have filed bankruptcy </li></ul></ul><ul><ul><li>Can stop a pending foreclosure sale of your home </li></ul></ul><ul><ul><li>Can stop a garnishment of your wages </li></ul></ul><ul><ul><li>Can stop a threatened repossession </li></ul></ul><ul><ul><li>Relief might be temporary </li></ul></ul><ul><li>Some assets may be kept out of the bankruptcy </li></ul>
    39. 43. Bankruptcy <ul><li>Some debts are not dischargeable </li></ul><ul><ul><li>Child support payments </li></ul></ul><ul><ul><li>Alimony </li></ul></ul><ul><ul><li>Fines </li></ul></ul><ul><ul><li>Taxes </li></ul></ul><ul><ul><li>Student loans </li></ul></ul><ul><ul><li>Some secured debt – often subject to repossession </li></ul></ul>
    40. 44. Bankruptcy <ul><li>“ Bankruptcy may seem like the easy answer, but is listed in the top five life-altering negative events that a person can go through, along with divorce, severe illness, disability, and loss of a loved one.  Very few people that have gone through bankruptcy would say that it is just a painless cleaning of your debts, where afterwards you happily begin your new life.  It affects your credit, employment, and even applying for life insurance.  Bankruptcy may be the only option for some people, but many times other options are better for you long-term.” BankruptcyLawInformation.com </li></ul>
    41. 45. Bankruptcy <ul><li>Crown Financial Ministries’ opinion - bankruptcy is permissible under three circumstances </li></ul><ul><ul><li>A creditor forces a person into bankruptcy </li></ul></ul><ul><ul><li>Extreme financial difficulties in which there is no other option. All other options should be explored before declaring bankruptcy. </li></ul></ul><ul><ul><li>Emotional health of borrower is at stake </li></ul></ul>
    42. 46. Bankruptcy <ul><li>Minimum Requirements </li></ul><ul><ul><li>Credit counseling by approved counselor </li></ul></ul><ul><ul><li>Means test </li></ul></ul><ul><ul><li>Debtor education classes </li></ul></ul><ul><ul><li>Disclosure of every financial detail to attorney, courts and potentially others </li></ul></ul><ul><ul><li>Hiring an attorney </li></ul></ul><ul><ul><li>Estimated costs $1,000 - $4,000 </li></ul></ul>
    43. 47. Bankruptcy effects <ul><li>Stays on credit report for 10 years </li></ul><ul><li>Sometimes a question on employment, credit & insurance applications that you will have to answer for the rest of your life. Lying on these is considered fraud regardless of whether it is on your credit report </li></ul><ul><li>Effects on cosigners </li></ul><ul><li>Loss of car, home, other property </li></ul>
    44. 48. Bankruptcy <ul><li>Pray </li></ul><ul><li>Fast – definitely from media </li></ul><ul><li>Consider/try all other alternatives </li></ul><ul><li>Learn about it </li></ul><ul><ul><li>www.bankruptcylawinformation.com </li></ul></ul><ul><ul><li>www.nolo.com </li></ul></ul><ul><li>Seek counsel </li></ul><ul><ul><li>Consumer Credit Counseling </li></ul></ul><ul><ul><li>Family Life Resources </li></ul></ul><ul><ul><li>Kingdom Advisors – attorney </li></ul></ul><ul><li>Pray & ask for clear confirmation or roadblocks </li></ul>
    45. 50. Education Coming Soon <ul><li>April </li></ul><ul><ul><li>Defining your Stewardship Theology and Philosophy of Giving </li></ul></ul><ul><ul><li>Setting & Measuring Godly Goals </li></ul></ul><ul><ul><li>Debt Acceleration </li></ul></ul><ul><ul><li>Career Counseling and Resume Writing </li></ul></ul>
    46. 51. Final Thoughts <ul><li>Stick together </li></ul><ul><li>Plan Christmas Expenses & Giving </li></ul><ul><li>Get Counsel before major financial decisions </li></ul><ul><li>Stay away from temptation </li></ul><ul><ul><li>Limit media or take a media fast </li></ul></ul><ul><ul><li>Stay out of shopping situations </li></ul></ul><ul><ul><li>Shop with a list </li></ul></ul><ul><ul><li>Use cash </li></ul></ul><ul><li>Pray, Pray, Pray </li></ul><ul><li>This is a season that you will survive </li></ul>
    47. 52. Resources <ul><li>Crown Financial Ministries – articles, coach </li></ul><ul><ul><li>www.crown.org </li></ul></ul><ul><ul><li>http://www.crown.org/Tools/Calculators/Debt_AcceleratedPayoff.asp </li></ul></ul><ul><li>Family Life Resources </li></ul><ul><ul><li>www.flrministry.com </li></ul></ul><ul><ul><li>800-553-8621 </li></ul></ul><ul><li>Consumer Credit Counseling </li></ul><ul><ul><li>www.cccsfl.org </li></ul></ul><ul><ul><li>800-984-0977 </li></ul></ul><ul><li>Financial Peace University – Dave Ramsey </li></ul><ul><ul><li>www.daveramsey.com </li></ul></ul><ul><li>Florida Attorneys Saving Homes </li></ul><ul><ul><li>www.floridaprobono.org </li></ul></ul><ul><li>Kingdom Advisors </li></ul><ul><ul><li>www.kingdomadvisors.org </li></ul></ul>
    48. 53. Credits <ul><li>Crown Financial Ministries </li></ul><ul><li>The Lampo Group - Dave Ramsey, Financial Peace University, Total Money Makeover </li></ul><ul><li>Housing & Urban Development </li></ul><ul><li>Bankruptcy Law Information </li></ul><ul><li>Nolo </li></ul><ul><li>Consumer Credit Counseling </li></ul>

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