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Clean Slate Podcast – Episode 2
In episode 2 of the Clean Slate Podcast, Wayne and Juan talk about CreditGuard and what it is they do.
About the Speaker:
Juan Valladares is the Vice President of CreditGuard of America, Inc. and has been working in the credit counseling industry since 1997.
Juan began his career at a major answering service center, responsible for the training and supervision of over two hundred employees. Now in charge of managing CreditGuard’s counseling department, Juan’s management, organizational and motivational skills are all vital to the company’s success.
Juan is a devoted father of two and a passionate racquetball player who competes regularly to satisfy his competitive instincts. He has dedicated his professional life to helping people get out – and stay out – of debt.
“Clean Slate” Podcast Episode 2: Who Is CreditGuard of America and What Do They Do?
Wayne: Tell folks a little bit more about CreditGuard of America and what it is they do.
Juan: CreditGuard of America is a nonprofit organization that’s licensed, bonded and insured to do business nationwide. We’ve been in business since 1991, so for over 20 years. What we do is help individuals manage their financial debt. We help them get out—and stay out—of debt. We work with them to formulate a budget so they can live within their means. We look at all their expenses; we look at what types of debts they have. Essentially, we help them find a balanced budget.
We also provide a very significant amount of education for those who need more help. We tell them, ‘Ok, you can cut expenses in your groceries. You can look for different types of car insurance that may be less expensive for you. You can contact your electric company to see if they offer any kinds of special types of programs that can help you save on costs and energy.’But the main thing we really specialize in is helping individuals get out of debt when it comes to credit cards, department store cards, medical bills—things like that. The credit cards are the main thing. One of the main things we do to help consumers out is to set them up with a new structure plan, which is called a debt management plan.
“One of the main things we do to help consumers out is to set them up with a new structure plan, which is called a debt management plan.”
We’re able to negotiate with their creditors to give the consumer many, many benefits to help them get out of debt in a period of five years or less, with a much lower monthly payment, and only one payment a month. But CreditGuard of America overall is simply a nonprofit organization that helps consumers with their personal finances and helps them get out of debt. And stay out of debt for as long as they’re around.
Wayne: It’s really incredible to learn that it’s not just ‘get out of debt’ plan, it’s almost like a lifestyle.
Juan: That is correct. Absolutely. It IS like a lifestyle. Human beings are always looking to progress forward. We exercise, we try to eat healthy, we read books, and we go to school to educate ourselves so we can hopefully have a more successful future. We keep our brains active and stuff like that. And from a financial perspective, that’s kind of the approach we take. We tell people, ‘Here’s the nutrition you need to have in order to be healthy.’ From a financial and educational perspective, this is something you should be doing for the rest of your life. This is something that’s not only going to be healthy for you, immediately, it’s also going to give you a much better life in the long term. And it will give you more opportunities. And help you save more. So we try to take that kind of holistic approach when it comes to their personal finances.
Wayne: Yeah, it just seems like such a tremendous differentiator for you in the marketplace.
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