Leadpile's Blog» bankruptcy

Affiliate Summit/ASW & Leadpile

Mari Woods Holt — Wed, 12 Jan 2011 21:07:40 +0000

It was another great Affiliate Summit for the Leadpile team. We are now returning from ASW and are excited to move forward on all the great things we discussed with our partners. Unfortunately, we did not have time to meet with all those publishers and advertisers that we wanted to, however if we were unable to connect with you, please reach out to us to get something going!
Leadpile’s message this Affiliate Summit was for the excitement we have for 2011 and all the exciting new things we are going to be getting into. Leadpile is looking at getting into some new verticals such as insurance, senior care, and credit reports (which is already live). We are currently working in bankruptcy, auto finance and payday loan lead types, and we are looking for lots more traffic on all of these verticals. The sky is the limit in 2011, and if we are not already working with you, we definitely want to!

Start Off 2011 With Your Finances in Order!

Christina — Mon, 03 Jan 2011 22:41:20 +0000

Start 2011 off right! Here are some financial tips to get your finances back in order.

1. Get your credit score and report: Knowing your credit score can help you check for inaccuracies on your credit report. A higher credit score will get you lower rates on loans and credit cards.
2. Get Organized: Knowing where all your bills and bank statements are can help you keep track of your spending and saving.
3. Track spending: Track all spending for 30 days. Evaluate and see where you can cut spend, such as eating out less.
4. Do an insurance checkup: Meet with your current provider and see if the converge you have is really what you need. Find our about loyalty discounts and good driving perks.

These simple tips can help you get your finances back in order!

Leadpile offers many great financial offers such as Credit Score and Bankruptcy. Contact us today for info on our affiliate programs and offers!

Paying Off Debt…

Natasha Aronov — Thu, 01 Jul 2010 22:48:16 +0000

Are you avoiding paying off debt? Paying the minimums could hurt you.. Something as simple as removing a couple of monthly “splurges” such as limiting trips to starbucks could give you additional funds to put towards your debt and make a dent in amounts owed and keep things under control.

Debt to income ratio is helpful to look at when evaluating your finances. Bankrate.com recommends that people’s debt not be more than 20% of take home pay – including your car payment. They recommend that housing expenses not be more than 30% of your monthly income.

Now that every credit card bill comes with a breakdown on how long it will take the consumer to wipe out a debt making only the monthly payments it is a reality check for many people. If the minimum payment is all that is being made, the debt can keep increasing and it can take very long extended periods of time, even decades to pay off the total amount.

Some consumers benefit from credit counseling sessions, these can help identify the biggest areas of concern and help create a debt management plan often times having the creditors agree to lower interest or payments. Two last resort options for consumers in debt can be debt settlement or bankruptcy.

Help, My Debt Is Out Of Control!

Christina — Fri, 18 Jun 2010 23:24:59 +0000

Does your debt, including housing expenses equate to more then 50% of your monthly income? For many the answer would be yes. This number is very important when evaluating ones financial health. Are you only paying the minimum amount on your credit cards? By doing this you are probably only paying down the monthly interest and not even making a dent on the principal. Do you cringe when you see an 800 number on your caller ID? Are you using credit cards to purchase items you used to pay cash for? All these red flags indicate it’s time you speak with a credit counselor before your finances get even worse. If a debt management plan doesn’t work there are only 2 other options, debt settlement and bankruptcy. The NFCC created a quiz called “How Do I Know If I’m In Financial Trouble?” consisting of 20 true-or-false questions. If more than two or three ring true you may need to seek financial assistance.

Leadpile specializes in Debt Settlement and Bankruptcy leads, contact us today to become a buyer or seller.

Positive Changes For Consumers In Debt!

Natasha Aronov — Wed, 17 Feb 2010 08:00:17 +0000

Changes to fees and terms may be positive for many consumers struggling to pay their bills! New rules obtaining to overdraft protection requires consumers to specifically request it, rather than being automatically enrolled in it. According to the Credit CARD Act, should the consumer enroll for overdraft protection, fees can only be applied once during a billing cycle and the card company must notify the consumer of the amount. These new overdraft rules only apply to debit cards, not checks or electronic transfers.
Consumers now are given 21 days to send credit card payments in, rather than only 14, and if changes are made to terms, 45 days notice must be given instead of 15. This change does not apply to reducing your credit limit, the credit card company can do this at any time without any warning!
One new change might be scary for many consumers to see, but after the initial shock sets in, the overall perspective will hopefully ultimately help consumers in the long run. Effective starting February 22, credit card bills must make it clear how long it will take the consumers to pay off the balance, and how much interest will be paid if the minimum amount is all that is paid each month.
While there is no current cap placed on increasing interest rates, credit card companies are required to give customers 45 days notice on changes and may not raise the current interest rate on customers existing debt unless payment is more than 60 days late on payment. Additional help to consumers trying to pay off debt, additional fees for paying over the phone, electronic transfer, or mail are no longer allowed and universal default for existing credit card balances may no longer be practiced. The Credit CARD Act has now made is more difficult for college students to obtain credit cards, someone under 21 may not be offered a credit card without a co-signer or proof of proper income.
LeadPile matches consumers in debt with Debt Consolidation, Debt Settlement and Bankruptcy companies daily. Debt is a huge source of stress for many people, hopefully the new Credit CARD Act will help get people back on track and become more aware of their own debt, and make plans to get things paid off!

LeadPile Announces 61 Lead Verticals Served in past 30 Days

Eugen Ilie — Tue, 30 Jun 2009 18:36:25 +0000

*Phoenix June 30th, 2009* — LeadPile, The World’s Largest Online Exclusive Lead Exchange announced today record results for its [MicroClick Form](http://www.microclick.com) in June, 2009. LeadPile reports a record number of Lead Verticals being served by its MicroClick Form with Lead Sellers producing leads in 61 different verticals in the month of June. This makes the LeadPile MicroClick Form the most widely used Multi Vertical Lead Generation Form in the lead Marketplace and Lead Exchange Industry.

LeadPile’s Centralized Online Exclusive Lead Marketplace supports thousands of affiliates that use the exchange to sell to suitable lead buyers. By using the LeadPile MicroClick Form, Affiliates can focus on driving traffic to their pages and not on managing lead buyer relationships. Over 90% of LeadPile’s active affiliates are currently using the MicroClick form, offloading the responsibility for lead collection, management, technology infrastructure, and quality control to LeadPile.

Astoundingly, LeadPile’s MicroClick form has been used to produce leads as diversified as Tax Debt Relief, Home Improvements, Business Loans, Health Insurance, Equipment Leasing, Credit Card Processing, Cash For Gold and more.

Andrew Jacob, CEO of LeadPile says, “The LeadPile MicroClick Form allows us to handle leads across multiple verticals, including payday, starter credit, debt consolidation, credit repair, bankruptcy, auto financing, and homeowner. While the majority of leads currently being exchanged in the Marketplace are in the Financial sector, the fact that Lead Sellers are using the MicroClick form to produce leads in over 60 verticals is very rewarding for our team.

Jacob adds, “I would like to personally thank our existing Lead Buyers and Leads Sellers for their business, and it is our promise to everything we possible can to help them in their efforts by continuing to provide the type of technology infrastructure and transparency that they have come to both expect, and deserve, from LeadPile.

About LeadPile:

LeadPile (“LeadPile” or the “Company”) is the premier Lead Exchange, providing a central marketplace for the buying and selling of targeted consumers or “leads.” The Company’s system sits between lead buyers and sellers allowing them to conduct business in an efficient, exchange-driven environment providing value to both parties. The Company’s MicroClick form allows high traffic affiliates to merely place LeadPile-generated code on their pages in order to immediately produce leads. These leads are directly routed to the exchange for sale, thus the system allows affiliates to generate leads without creating a backend management system or managing lead buyer relationships. To read more, please visit http://www.LeadPile.com

Phoenix June 30th, 2009 — LeadPile, The World’s Largest Online Exclusive Lead Exchange announced today record results for its MicroClick Form (http://www.microclick.com) in June, 2009. LeadPile reports a record number of Lead Verticals being served by its MicroClick Form with Lead Sellers producing leads in 61 different verticals in the month of June. This makes the LeadPile MicroClick Form the most widely used Multi Vertical Lead Generation Form in the lead Marketplace and Lead Exchange Industry.

To read more, please visit http://www.LeadPile.com/

Health Related Bankruptcies Are Up 50%

Mari Woods Holt — Tue, 23 Jun 2009 14:37:54 +0000

With all the talk about foreclosures and people buried in their credit card debt, we have failed to talk about all those that can not afford health insurance (uninsured) or those that are underinsured. Bankruptcy is easy to think about it being related to someone having to many credit cards, and then something life changing happened that forced someone to not be able to pay their debts. However, a lot of today’s bankruptcies are not necessarily from credit card debt, but from health care bills.
A recent study shows, bankruptcies that were due to medical debt rose 50 percent from 2001 to 2007. Older consumers are the ones getting hit the hardest. The elderly are unfortunately forced to retire prematurely, have not enough insurance to cover all their bills, or simply do not have any insurance. In a previous blog post I had discussed this painful problem, however things have not gotten any better for our elderly.
Part of this study involved a telephone survey. The telephone survey revealed that 41.8 percent of interviewees specifically identified a health problem contributed to their bankruptcy, 54.9 percent cited medical or drug costs, and 37.8 percent blamed income loss due to illness. Overall, 68.8 percent cited at least one of these medical causes. An additional 6.8 percent had recently borrowed money to pay medical bills. Not only is this a potential insurance related issue, but it is an issue regarding bankruptcy and consumers having no other option but to file bankruptcy. What else do they do?
Leadpile works with the bankruptcy lead type, and this is very much a lead type we have a demand for more buyers to help provide this much needed help to the consumers.

Channel 15 confused over loan cause and effect

Mari Woods Holt — Tue, 09 Dec 2008 14:06:48 +0000

There was a recent report by Channel 15, that brought up a study done by Vanderbilt University. In this study it pointed out, “Payday loan customers who are approved on their first application are more likely to file for bankruptcy than those whose initial applications are denied, according to a study out of Vanderbilt Law School. ” I am not sure I understand where this is going as far as trying to point out a bankruptcy filing rate with those that took out a payday loan. The people that could not get a payday loan probably did not qualify for the loans because of some sort of income issue or other specific requirement the payday lenders require. I would think this sort of individual had more potential of falling behind and contemplate bankruptcy, don’t you think?
Leadpile Lead Exchange has been generating payday loan leads for some time now. Blaming or relating bankruptcy filing rates to those that have taken out a payday loan, and not those that have been approved for one, just does not make sense to me. Does this also mean that someone who took out a new auto finance loan is more likely to file bankruptcy, versus someone that applied for an auto finance loan and was denied? There are people that have a lot of outstanding past due debt that I would say is more of a correlation to filing bankruptcy, versus someone who took out a payday loan. Those that did not manage their debts properly, had an expected loss of job, or those that had a major financial change in their life are more of a cause of someone filing bankruptcy. Payday loan = bankruptcy? Payday loan = what else?

GM Closing A Few Factories!

Mari Woods Holt — Mon, 13 Oct 2008 16:46:03 +0000

GM is speaking out and getting the facts straight to the public. Check out this site: http://gmfactsandfiction.com it allows you to write the “myth” you heard and they will provide the “facts”.

I was reading today that GM is closing four factories. Although it has not been determined if that’s 100% accurate, many speculate that it is. GM has announced that they are closing the Janesville Wisconsin factory. Shutting down doors for approximately 1,200 workers, December 23rd 2008. The other potential factories, looking at their doors closing, are the ones located in Ohio, Ontario, and Mexico.

Shares dropped horrifically for GM over the last few days. In an attempt to save money, GM is looking at a few avenues to save money. They are looking at closing down factories that focus specifically on GM’s big trucks such as the Tahoe, Suburban and Yukon. This is a way that GM believes will be lucrative in the long run. GM has confirmed that they are not going to file for bankruptcy.

What do you think? Do you think GM has an opportunity to come back from this nightmare?

Business Cash Advance Lead Type in Demand!

Mari Woods Holt — Thu, 25 Sep 2008 14:20:54 +0000

Many businesses out there are in need of borrowing money, however they are not wanting to go through the long process of getting a business loan (or they can not qualify for a business loan). Businesses now have an alternative to a business loan, and that is getting a business cash advance. Business cash advance is a business borrowing money based on their credit card receipt volume.
The Leadpile buyers are demanding this new lead type, so we have created a new TEXT Link/landing site + multiple banners for our lead sellers/publishers.
www.USbizcash.com is available in the Leadpile seller account.

There is also the option of hosting our MicroClick form on your own websites too! Take advantage of this large demand and the innovative tools Leadpile provides to you to generate the leads! (http://www.MicroClick.com)

Other HOT offers we have:

- Cash Advance Leads
- Auto Financing Leads
- Credit Card Processing Leads
- New Car Purchase Leads
- Home Improvement Leads
- Debt Settlement Leads
- Credit Repair
- Bankruptcy

Want to make MORE $ with Leadpile? Get started today and receive $100 bonus! – call us today and find out how