1. Are All Credit Repair Companies A Fraud?
Most are! Unfortunately!
© 2011 Stephen W. Gangey, All Rights Reserved

2. Austin Credit Group is Different!
© 2011 Stephen W. Gangey, All Rights Reserved

3. Austin Credit Group is Different!
We always provide a light at the end of the tunnel… And can assure the client that it isn't an oncoming train… However, the length of that tunnel will vary with each individual.
© 2011 Stephen W. Gangey, All Rights Reserved

4. Austin Credit Group is Different!
Our Focus is “Life Repair” And “Debt Management”
© 2011 Stephen W. Gangey, All Rights Reserved

5. Austin Credit Group is Different!
Our Focus is “Life Repair” And “Debt Management” We are Pro-Credit and Anti-Debt!
© 2011 Stephen W. Gangey, All Rights Reserved

6. Austin Credit Group is Different!
Our Focus is “Life Repair” And “Debt Management”
We are Pro-Credit and Anti-Debt!
Our Mission:
Assist and counsel our clients on specific options available to save them money, and get their life back.
© 2011 Stephen W. Gangey, All Rights Reserved

7. Austin Credit Group is Different!
Our Focus is “Life Repair” And “Debt Management”
We are Pro-Credit and Anti-Debt!
Our Mission:
Assist and counsel our clients on specific options available to save them money, and get their life back.
Our Programs and Counseling are all about establishing a plan that improves the client’s credit scores as quickly as possible!
© 2011 Stephen W. Gangey, All Rights Reserved

8. Austin Credit Group is Different!
Our Focus is “Life Repair” And “Debt Management” What is Life Repair?
© 2011 Stephen W. Gangey, All Rights Reserved

9. Austin Credit Group is Different!
Our Focus is “Life Repair” And “Debt Management”
What is Life Repair?
IRS Tax Relief Services
© 2011 Stephen W. Gangey, All Rights Reserved

10. Austin Credit Group is Different!
Our Focus is “Life Repair” And “Debt Management”
What is Life Repair?
IRS Tax Relief Services
Credit Repair Services
© 2011 Stephen W. Gangey, All Rights Reserved

11. Austin Credit Group is Different!
Our Focus is “Life Repair” And “Debt Management”
What is Life Repair?
IRS Tax Relief Services
Credit Repair Services
Creditor Debt Negotiations
© 2011 Stephen W. Gangey, All Rights Reserved

12. Austin Credit Group is Different!
Our Focus is “Life Repair” And “Debt Management”
What is Life Repair?
IRS Tax Relief Services
© 2011 Stephen W. Gangey, All Rights Reserved

13. Austin Credit Group is Different!
Our Focus is “Life Repair” And “Debt Management”
What is Life Repair?
IRS Tax Relief Services
Instruments Available:
Offer in Compromise
© 2011 Stephen W. Gangey, All Rights Reserved

14. Austin Credit Group is Different!
Our Focus is “Life Repair” And “Debt Management”
What is Life Repair?
IRS Tax Relief Services
Instruments Available:
Offer in Compromise
Wage Garnishment Release
© 2011 Stephen W. Gangey, All Rights Reserved

15. Austin Credit Group is Different!
Our Focus is “Life Repair” And “Debt Management”
What is Life Repair?
IRS Tax Relief Services
Instruments Available:
Offer in Compromise
Wage Garnishment Release
Installment Agreement
© 2011 Stephen W. Gangey, All Rights Reserved

16. Austin Credit Group is Different!
Our Focus is “Life Repair” And “Debt Management”
What is Life Repair?
IRS Tax Relief Services
Instruments Available:
Offer in Compromise
Wage Garnishment Release
Installment Agreement
Bank Levy Release
© 2011 Stephen W. Gangey, All Rights Reserved

17. Austin Credit Group is Different!
Our Focus is “Life Repair” And “Debt Management”
What is Life Repair?
IRS Tax Relief Services
Instruments Available:
Offer in Compromise
Wage Garnishment Release
Installment Agreement
Bank Levy Release
Penalty Abatement
© 2011 Stephen W. Gangey, All Rights Reserved

18. Austin Credit Group is Different!
Our Focus is “Life Repair” And “Debt Management”
What is Life Repair?
IRS Tax Relief Services
Instruments Available:
Offer in Compromise
Wage Garnishment Release
Installment Agreement
Bank Levy Release
Penalty Abatement
Currently Not Collectable
© 2011 Stephen W. Gangey, All Rights Reserved

19. Austin Credit Group is Different!
Our Focus is “Life Repair” And “Debt Management”
What is Life Repair?
Credit Related Services – Starting at $49.95
© 2011 Stephen W. Gangey, All Rights Reserved

20. Austin Credit Group is Different!
Our Focus is “Life Repair” And “Debt Management”
What is Life Repair?
Credit Related Services
Check-Up -- Credit Profile Review $49.95
Initial Starting Point (Prerequisite for UCIP)
© 2011 Stephen W. Gangey, All Rights Reserved

21. Austin Credit Group is Different!
Our Focus is “Life Repair” And “Debt Management”
What is Life Repair?
Credit Related Services
Check-Up -- Credit Profile Review $49.95
Initial Starting Point (Prerequisite for UCIP)
Do-It-Yourself Software – If you’re tenacious enough.
“Credit Repair Magic” – 60-day Money-Back Guarantee $97
© 2011 Stephen W. Gangey, All Rights Reserved

22. Austin Credit Group is Different!
Our Focus is “Life Repair” And “Debt Management”
What is Life Repair?
Credit Related Services
Check-Up -- Credit Profile Review $49.95
Initial Starting Point (Prerequisite for UCIP)
Do-It-Yourself Software – If you’re tenacious enough.
“Credit Repair Magic” – 60-day Money-Back Guarantee $97
ACG Ultimate Credit Improvement Program (UCIP) – Account Setup $ / $34.95 for each negative item removed
© 2011 Stephen W. Gangey, All Rights Reserved

23. Austin Credit Group is Different!
Our Focus is “Life Repair” And “Debt Management”
What is Life Repair?
Credit Related Services
Check-Up -- Credit Profile Review $49.95
Initial Starting Point (Prerequisite for UCIP)
Do-It-Yourself Software – If you’re tenacious enough.
“Credit Repair Magic” – 60-day Money-Back Guarantee $97
ACG Ultimate Credit Improvement Program (UCIP) – Account Setup $ / $34.95 for each negative item removed
Example: Five Negatives removed is $345 - $695
© 2011 Stephen W. Gangey, All Rights Reserved

24. Austin Credit Group is Different!
Our Focus is “Life Repair” And “Debt Management”
What is Life Repair? -- H. R. 2086
Medical Debt Affects 73,000,000 Working-Age Adults
Representatives:
Senator Kay Bailey Hutchison (R- TX)
Senator John Cornyn (R- TX)
Representative Michael McCaul (R - 10) …
© 2011 Stephen W. Gangey, All Rights Reserved

25. Austin Credit Group is Different!
Our Focus is “Life Repair” And “Debt Management”
What is Debt Management?
Accounts Management and Creditor Debt Negotiations
© 2011 Stephen W. Gangey, All Rights Reserved

26. Austin Credit Group is Different!
Our Focus is “Life Repair” And “Debt Management”
What is Debt Management?
Accounts Management and Creditor Debt Negotiations
Debt Settlement Negotiations
Client/Creditor Negotiations are provided on a “Retainer Agreement” at $90 per hour.
© 2011 Stephen W. Gangey, All Rights Reserved

27. Austin Credit Group is Different!
Our Focus is “Life Repair” And “Debt Management”
What is Debt Management?
Accounts Management and Creditor Debt Negotiations
Debt Settlement Negotiations
Client/Creditor Negotiations are provided on a “Retainer Agreement” at $90 per hour.
Assistance understanding financials with ACG Tools
© 2011 Stephen W. Gangey, All Rights Reserved

28. Austin Credit Group is Different!
Worksheet 2 -- Budget and Debt Service Schedule (Secured and Unsecured)
HOUSEHOLD BUDGET
Monthly Income (net)
Gasoline
##.##
Auto Insurance
His
Gas
life Insurance
Hers
Electric
Other Insurance
Total Monthly Income
$0.00
Water
Cable/Internet
Austin Credit Group
Trash
Phone (s)
P.O. Box 5481
Groceries
Pet(s)
Round Rock, TX
Medical
Other (Explain)
Monthly Expenses
The Account Number entries containing six "#" are for example only. Please put valid data in these rows.
Creditor
Account Number
Original / High Balance
Current Balance
Available Limit
Available Credit
% of Available
Interest Rate
Minimum Payment
Due Date
Primary Mortgage or Rent
ABC Mortgage
######
$127,500.00
$12,235.31
N/A
7.50%
891.50 1
Second Mortgage
Third Mortgage
Auto Loan
Credit Card
AMEX
$13,000.00
$2,000.00
$20,000.00
$18,000.00
10%
11.00%
491.00 10
#DIV/0!
© 2011 Stephen W. Gangey, All Rights Reserved

29. Austin Credit Group is Different!
Our Focus is “Life Repair” And “Debt Management”
What is Debt Management?
Accounts Management and Creditor Debt Negotiations
Debt Settlement Negotiations
Client/Creditor Negotiations are provided on a “Retainer Agreement” at $90 per hour.
Assistance understanding financials with ACG Tools
Debt Consolidation Counseling
© 2011 Stephen W. Gangey, All Rights Reserved

30. Austin Credit Group is Different!
Our Focus is “Life Repair” And “Debt Management” We are Pro-Credit and Anti-Debt!
© 2011 Stephen W. Gangey, All Rights Reserved

31. Austin Credit Group is Different!
Our Focus is “Life Repair” And “Debt Management” We are Pro-Credit and Anti-Debt! What does this mean? Our clients will be in a position to purchase what they need when they need it at the best possible interest rates!
© 2011 Stephen W. Gangey, All Rights Reserved

32. Austin Credit Group is Different!
Our Focus is “Life Repair” And “Debt Management” We are Pro-Credit and Anti-Debt! What does this mean? Best Interest Rates on Major Purchases
© 2011 Stephen W. Gangey, All Rights Reserved

33. Austin Credit Group is Different!
Our Focus is “Life Repair” And “Debt Management” We are Pro-Credit and Anti-Debt! What does this mean? Best Interest Rates on Major Purchases Home / Auto / Refinance
© 2011 Stephen W. Gangey, All Rights Reserved

34. Austin Credit Group is Different!
Our Focus is “Life Repair” And “Debt Management” We are Pro-Credit and Anti-Debt! What does this mean? Best Interest Rates on Major Purchases Home / Auto / Refinance Insurance Premiums
© 2011 Stephen W. Gangey, All Rights Reserved

35. Austin Credit Group is Different!
Our Focus is “Life Repair” And “Debt Management” We are Pro-Credit and Anti-Debt! What does this mean? Best Interest Rates on Major Purchases Home / Auto / Refinance Insurance Premiums Potential Employment Opportunities
© 2011 Stephen W. Gangey, All Rights Reserved

36. Austin Credit Group is Different!
Our Focus is “Life Repair” And “Debt Management” We are Pro-Credit and Anti-Debt! What does this mean? Best Interest Rates on Major Purchases Home / Auto / Refinance Insurance Premiums Potential Employment Opportunities ALL ARE AFFECTED BY CREDIT SCORE!
© 2011 Stephen W. Gangey, All Rights Reserved

37. Austin Credit Group is Different!
ALL ARE AFFECTED BY CREDIT SCORE! Example Loan Comparison The difference between a 700 and 650 FICO (Credit) Score in July, 2010.
1st Option
2nd Option
Difference
Loan Amount
$125,000
0.55%
APR %
4.99%
5.54%
Term (months)
360
Payment (Monthly)
$670.26
$712.88
$42.61
Interest Paid (First 60 months)
$29,985.42
$33,409.46
$3,424.04
Term of Loan %
$116,294.78
$131,635.54
$15,340.75
© 2011 Stephen W. Gangey, All Rights Reserved

38. Austin Credit Group is Different!
We are very happy to be able to offer Commercial Lending to and for businesses that cannot obtain financing through banks.
© 2012 Stephen W. Gangey, All Rights Reserved

39. Austin Credit Group is Different!
Thank you for your time and interest! We are here to help you, your friends and your clients get their life back!TM ANY QUESTIONS?
© 2011 Stephen W. Gangey, All Rights Reserved