I can help them negotiate with their creditors so they can have more favorable terms. They are very surprised when they begin to get threatening phone calls and letters from creditors due to the fact that they have not made any payments.

But those are not the most challenging clients Stanley has. "The aliens from the various other planets in the galaxy have no earthly idea what they are getting themselves into when they sign on the dotted line for their credit cards. Then I help them find a loan that will park all their revolving debts under one low monthly payment.

"My clients include people of all ages, situations and stations in life.

Stanley, owner of Stude's Studious Financial Services, specializes in college students that have racked up sky high bills when trying to pay for their educations. In fact, most people find they are able to have a bit more wiggle room each month when it comes to their finances after they complete a debt consolidation. This is when I go to bat for these intergalactic transplants. The key is to find someone who can be trusted to guide them through the entire process. Upon graduation, many of these former scholars are upset to learn they must begin paying back their student loans while also simultaneously looking for a job and keeping up with the payments on their Ferraris and waterfront condos. This makes it easier for them to budget the money they need to pay their bills each month," Stanley continued."

By teaching his clients a crash course in financial basics as well as playing on the sympathies many credit companies maintain for the otherworldly residents, Stanley is usually able to get some very favorable terms when it comes to the debt consolidation agreements he has hammered out for them over the years. Debt consolidation doesn't have to mean a sense of deprivation for those people involved.

"I really enjoy helping people save their money," states Stanley Stude while lounging in his leather high back office chair situated in his tastefully appointed office in the swanky business district of Manhattan. Of course, he has a business to run so Stanley does charge a small percentage of the total debt amount as a fee M8+10 Pipe Clamp Manufacturers in China for his negotiation tactics and other services he provides to his clients.

The common thread that prompts them to make an appointment to see me is that they are swimming in debt.

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