The
FIGHT
BACK
Plan
Your family’s guide to
financial health and wellness.
Welcome to the Fight Back Program…
An integrated suite of software and services designed
to empower you to achieve financial freedom!
Much of today’s economic turmoil can be traced to one simple problem; many Americans have
lost the ability to manage money effectively. Generations have been raised with an easy-credit,
buy-now-pay-later mentality that has left them with more debt than they can afford and the
helpless feeling that they no longer control their financial destiny.
The Fight Back program provides a solid foundation of money management tools that will help you
get a handle on your cash flow, create a budget, and save money on everyday expenses. Once you
grasp these fundamentals, Fight Back offers financial coaching, identity theft protection, legal
assistance, and debt resolution services to help you stay solvent and plan for your fiscal future.
By integrating each of these products into one fluid process, Fight Back provides its members with
an unparalleled level of support on the path to financial freedom.
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Program Overview
This step-by-step guide will help you understand how to Fight Back against debt.
The Benefits:
Expense Tracker
A Simple Money Tracking Tool
Perks Card
Save More on Everyday Purchases
askAFS
Coaches to Improve Your Financial Decisions
LifeLock
Market-Leading Identity Theft Protection Program
Legal Care Direct
Discounted Access to Top-Notch Attorneys
US Debt Resolve
Credit Help When You Can’t Make Ends Meet
In this guide you’ll find:
• BENEFIT OVERVIEWS
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Highlights of the various programs and services that provide an easy
overview of your new financial wellness plan.
• GUIDE TO USING YOUR BENEFITS
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This handy reference details how to use each of the benefits featured in
the Fight Back program. From tracking spending to reducing costs to
counseling on money matters, you will quickly learn how to take full
advantage of these services.
• B E N E F I T D E TA I L S
This section provides highlights of each Fight Back benefit and describes
how to utilize all of the programs designed to help you meet your
financial goals.
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Where did all my money go—how do I get control?
Leading financial experts agree that tracking
your spending is the first step to regaining your
financial freedom. The Expense Tracker is the
leader in providing a real-time, simple way to
track every penny.
• Find $200-$500 per month in
misspent money
• In less than 5 minutes, you will see
why over 90% of our clients claim
they get a better night’s sleep!
Three unique features make Expense Tracker
the first choice in “Financial Wellness”
programs:
1. Draft spending plan created
2.
3.
“I have been so worried and uptight about
the future, about providing food for my
automatically.
family in the future. The Expense Tracker
Updates and balances on the fly,
wherever you spend money.
has given us a practical tool for tracking
Daily email reminders.
didn’t realize we were spending. Putting
our money and finding money that we
that money towards protecting our family
for the future is very—very—reassuring.”
—Evelyn and Jake Hancock,
Salt Lake City, Utah
In the News:
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Your card...your way...now!
Use your PerksCard to save money on things
you buy and use every day. Find discounts on
coffee, dry cleaning, home improvement needs,
dining and entertainment as well as travel and
hundreds of other businesses.
• Save up to 80% at National and
Local Restaurants
• Save up to 30% on Movie Tickets
• Save up to 15% on Your Home and
Auto Insurance
And Much Much More!
Ways you can save!
In Store...Printable Coupon...Online or by 800#...Gift Cards
The typical family can save the following in one year:
Dining & Food:
Vacation:
Home Improvement:
Health & Wellness:
Entertainment:
Total Savings
Save $350
Save $500
Save $310
Save $200
Save $180
Home & Living:
Automotive:
Clothing & Footwear:
Insurance:
Electronics:
Save $160
Save $440
Save $200
Save $250
Save $300
Over $2,700 annually
Register today and receive a $25 Restaurant.com E-Certificate!
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Better financial decisions for a better life.
Everyone has financial questions from time to
time. At askAFS, we have been helping individuals for two decades with their financial issues,
questions and education. Listed below are a few
points that make us strong and effective.
• Immediate Access—All participants
need to do is pick up the phone and dial
a dedicated phone line to speak with a
financial counselor.
• Experience—Over 20 years of service and
thousands of cases; askAFS, LLC is considered one of the oldest and most experienced
financial counseling services in the market.
We are experts in the field. askAFS counselors are accredited and or certified with
decades of experience.
• Complete—Together with the caller, we
assess the issue, answer questions, then
provide credible resources, viable courses
of action, education and realistic goals to
achieve a higher standard of financial
awareness.
Reasons to contact askAFS (9-month sample)
Taxes
Student Loan
Retirement Planning
Mortgage/Refi
Medicare / Medicaid
Legal
IRA/401k/pens.
Investment Planning
Insurance
Identity Theft
Housing / Utilities
General Loan
Financial Planning
Estate Planning
Elder Care
Divorce / Separation
Debt Consolidation
Credit Reports
Credit Repair
Creditor Problems
Credit Card Spending
College Funding
Cashflow Budgeting
Bankruptcy
401k Hardship Loan
0
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250
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“I liked my counselor. He was nice, friendly and offered a wealth of
information. He provided doable step-by-step ideas to undertake.
I did not feel overwhelmed, and feel like I’m now heading in the right
direction. I will definitely call again, and use the resource center if
I hit some stumbling blocks. Thank you!”
—Jeanine M. (Texas)
Relevant, Objective, Independent
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The most advanced Identity Theft
Protection system available!
LifeLock is the industry leader in proactive
identity theft protection with over 1 million
members. Not only does LifeLock offer a proven
solution that helps prevent your identity from
being stolen, it was the first company to offer
protection for children under the age of 18.
What Can LifeLock Offer You?
• Real prevention by requesting free active
fraud alerts and providing free annual credit
reports from all credit bureaus.
• Removal of your name from junk mail
lists and pre-approved credit offers which
reduces your vulnerability.
• Protection and monitoring of your
child’s identity.
• Peace of mind by backing its services
with a $1 Million Total Service Guarantee.
My name is Todd Davis. My social security
number is 457-55-5462. Yes, that’s my real
social security number*. Identity theft is one
of the fastest growing crimes in America,
victimizing over 10 million people a year and
costing billions of dollars. So why publish my
social security number? Because I’m absolutely
confident LifeLock is protecting my good name
and personal information, just like it will yours.
And we guarantee our service up to $1 million
dollars."
*Always protect your social security number.
Do not share it unless necessary.
“As the owner of a small business my employees are an extension of my family.
I looked into LifeLock and immediately paid to sign everyone up. I just couldn't
live with myself if one of my employees had to deal with the problems of ID
Theft and I could have prevented it with LifeLock.”
—Brian Tritch
President, Applied Creative, Phoenix, Arizona
Proactive protection for your whole family
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Where can I turn for legal help that I can afford?
Legal Care Direct is a nationwide discount legal
referral service. Plan attorneys will either charge
$125.00 per hour, or when appropriate, give
members a 40% discount off their usual and
customary hourly rate. Plus members also
receive 9 free legal services, which are listed
on the benefit page. There are over 20,000
attorneys in the network spread throughout all
50 states. The average Legal Care Direct attorney
has over 19 years of experience serving clients
like you.
Legal Care Direct offers a variety of services
to Fight Back plan members, including:
• FREE services such as initial phone
consultation on a new legal matter, document review (up to 6 pages), letters written
on a member’s behalf, assistance with
government programs, assistance with
small claims court, and more.
• Deeply discounted services for common
legal issues such as traffic ticket defense,
simple divorce, real estate closing, name
change, chapter 7 bankruptcy and regular
incorporation.
The following are eight commonly used legal services for which plan attorneys have agreed to charge
a one-time, deeply discounted fee.
Legal Services
Member Rate
Non-Member Rate
Traffic Ticket Defense
. . . . . . . . . . . . . . . $ 89.00 . . . . . . $ 199.00
Name Change . . . . . . . . . . . . . . . . . . . 155.00 . . . . . . . 365.00
Simple Will with Minors Trust . . . . . . . . . . . . . 250.00 . . . . . . . 530.00
Chapter 7 Bankruptcy . . . . . . . . . . . . . . . . 750.00 . . . . . . . 1,500.00
Non-Support (Spouse/Child)
. . . . . . . . . . . . . 275.00
. . . . . . 1,490.00
Simple Divorce
. . . . . . . . . . . . . . . . . . 275.00 . . . . . . . 1,100.00
Regular Incorporation . . . . . . . . . . . . . . . . 295.00 . . . . . . . 585.00
Personal Real Estate Closing
. . . . . . . . . . . . . 250.00 . . . . . . . 675.00
A network of 20,000 attorneys in 50 states
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The Right Help at the Right Time!
Here at USDR, we believe that every aspect of
your daily finances plays a key role in determining your ability to ‘get out from under’ your
debt. We also understand that when you are
ready to take that first step towards freeing
yourself from the chains of credit card debt,
you might not know where to start.
That’s where we step in! USDR consultants can
guide you to an affordable program that could
help you get out of debt in as little as 36
months.
Why you should trust our experience
to manage your future:
• ISO 9001:2000 Certification
• USOBA Best Practices Accreditation
• Certification by a National Bank
• USDR Quality Assurance Board
• Business CEO, Panelist for FTC
“I was drowning in credit card debt.
I didn’t know what to do. I was so lucky
to find a knowledgeable analyst at
US Debt Resolve. I have been in their
program for 6 months and I have already
settled on two of my credit accounts.
Thank you so much USDR!”
—James M.
Broken Arrow, OK
Cost Comparison of Debt Resolution Options
Free & Confidential Consultation – All you have to do is call!
8
Guide to Using Your
Fight Back Plan Benefits
The Fight Back plan provides you with a unique integrated collection of services that
guide you through the first steps to financial freedom. It’s simple to get started, and as
soon as you finish one step you’re perfectly positioned to take advantage of your next
benefit. Just start with Benefit 1 below and before you know it, the Fight Back plan will put
you in command of your spending and on the road to fiscal fitness.
Benefit 1: MONITOR YOUR SPENDING WITH EXPENSE TRACKER.
This top-of-the-line expense monitoring and budgeting tool can get you started in just minutes and
provide budget updates to you anywhere you might spend money.
B E N E F I T D E TA I L S :
• No software to download or learn.
• Up and running in less than 5 minutes.
• Auto-populates your spending plan. All you have to do is tweak it to reflect your personal
information.
• Instant awareness of your spending.
• No data entry required. Voice input feature w/any phone.
• Instant balance update.
• Daily reminder of “where you are.”
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HOW IT WORKS:
Sign up for The Expense Tracker.
This simple web-based registration should take less than 5 minutes.
a. Go to www.TheExpenseTracker.com.
b. Click the Sign-Up button on the left.
c. Enter plan code NBET10.
d. Enter your personal information in the secure form.
e. Print out your confirmation from the “step 4” page in the signup process
(this page will also be sent to your email address).
f. Create your personal password and then enter your income after taxes.
g. Follow instructions to auto-populate your spending plan, then customize as needed
to reflect your personal situation.
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Enter your expenses.
No other expense tracking software provides you with three quick and easy options to update your
budget on the fly—Choose website, text message or phone.
a. Website: Go to www.TheExpenseTracker.com and click “Login”, enter your User ID (from your confirmation email) and password. Click “Add” next to a category and enter the amount and optional
description.
b. Text Message: Text the category number and amount spent to text@theexpensetracker.com.
c. Phone: Call in to Expense Tracker to update for recent purchases by voice command and get
current amounts remaining in budget categories.
Analyze your spending.
Log into Expense Tracker online or check your daily e-mail to monitor those Expense Tracker
categories with the highest budgeted amount or the categories with negative remaining balances
(highlighted in red). Is your heaviest spending in groceries, gas, or entertainment? Go to benefit 2
for help getting more from your money in heavy spending categories.
Now that you’ve got a clear picture of your monthly budget, you’ve realized that to
improve your situation you must either increase your income or reduce your spending.
Fight Back can’t get you a raise, but we do provide you with a valuable tool to help you
reduce the amount you spend on products and services you buy every week.
Benefit 2: SAVE MONEY WITH THE PERKSCARD.
Now that you know where your money is going each month and where you might be overspending, use
this valuable tool to reduce the cost of your most frequent expenses.
B E N E F I T D E TA I L S :
The PerksCard provides you with valuable discounts and savings at hundreds of businesses, restaurants and movie theatres, as well as discounted insurance premiums for your home and auto.
Here are some sample Perks for Fight Back plan members:
• Restaurants.com—Up to 80% off at more than 8,000 restaurants throughout the country.
• $25 certificates for $7.
• $50 certificates for $14.
• Special promotions that reduce prices to as low as $2 on the $25 certificates.
• Discounted Auto and Home Insurance through Travelers.
• Discounts are filed with the state insurance commissioners in all 50 states.
• Discounts can range from 5% – 15% from Travelers retail insurance rates.
• Pet Insurance from ASPCA (American Society for the Prevention of Cruelty to Animals).
• Premier insurance from an organization that cares about animals.
• Discounts and savings on all pet needs – neutering, shots, medications and veterinarian visits.
• Aamco Transmissions (all coupons are downloadable).
• $10 off complete oil changes.
• 10% off any repair over $50.
• $100 off any auto transmission repair.
• $119.95 full brake service.
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• Movie Tickets: AMC, Loews, United Artists, Regal Cinemas, Edwards Theaters, Magic Johnson
Theaters, Star Theaters.
• $6.50 movie tickets.
• Home Depot.
• 4% discount on all pre-paid gift cards.
• Buy gift cards to pay for renovations and save significant $$.
• Wyndham Hotels – 10% off today’s best rate.
• Amerihost — Howard Johnson — Days Inn — Ramada.
• Super 8 — Travelodge — Wingate — Knight’s Inn.
• Baymont Inns — Wyndham Hotels.
• Smartbargains.com.
• Additional 10% savings for all PerksCard members.
Don’t stop spending on things you enjoy, but spend smarter. Use our PerksCard and coupons
to stretch your money farther.
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Activate your membership.
a. Locate the 14-digit ID number on the front of your PerksCard and the 4 digit
‘activation code’ on the back.
b. Go to www.perkscard.com and enter the ID number and activation code in the
“NEW MEMBER” SECTION.
c. Click the ‘Register’ button and complete the registration form.
d. Enter your e-mail address as your user name.
e. Create your personal password, then finish the registration form.
f. Make sure that you enter a valid zip code, then click “Register” and you are ready to go.
g. Visit www.perkscard.com often as offers change frequently.
Use PerksCard to save money.
The PerksCard web site, ww.perkscard.com, details money-saving opportunities in over 20 spending
categories. Compare the vendors and offers available through PerksCard to your Expense Tracker
budget and you’re sure to find ways to make your money go farther.
Watch for new offers available from PerksCard.
Visit www.perkscard.com often, at least once every week, as offers change frequently.
And if you entered your e-mail as your user name, you will receive great offers from PerksCard 1 to 2
times a month via e-mail!
Now that you know where your money goes each month and you’re taking steps to reduce spending,
you’re going to find yourself building some savings into your budget. Now you’re ready for Fight Back
benefit 3, financial counseling that can help you make better decisions to grow your savings.
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The key to any financial relationship is trust. You need to know that the person you’re
working with has your best interests at heart, not some hidden agenda that puts your
needs second. Fight Back plan members get access to unbiased financial coaching via
phone or Internet.
Benefit 3: GET FINANCIAL COACHING FROM ASKAFS.
askAFS can help you make better financial decisions in everyday life by guiding you through a process
that assesses an issue, explores your options, provides information or referrals, and develops a plan of
attack. askAFS is not affiliated with any company that manages or sells financial products; as a result,
the certified and or accredited financial counselors that assist Fight Back plan members remain objective and focused on your financial issues.
B E N E F I T D E TA I L S :
• To access the service by phone, call toll-free 800-704-1308, Monday through Friday, 7:00 a.m. to
9:00 p.m. Central Time.
• You will be connected with a financial counselor who will provide objective guidance on your
particular situation.
• The service may also be accessed at www.VIP-askafs.com
• Note: askAFS does not provide investment, legal or tax advice typically provided by professionals
licensed to practice in these disciplines. Counselors are able to answer tax questions, but not provide tax advice.
Step
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HOW IT WORKS:
Write down your questions and gather related papers.
Think through your situation before you call, and prepare for the call by collecting the
information you need to help the counselor help you. Things like credit card bills, bank
statements, checkbooks, etc. should be close at hand. Also, sit near your computer for
this call in case you need to pull up some information online.
Call for help.
To access live accredited counselors, call 800-704-1308 Monday through Friday,
7 a.m. to 9 p.m. Central time.
Check the askAFS website for help.
For 24/7 access to comprehensive online resources go to www.VIP-askafs.com and click
“enter site.”
All right, you are on top of your finances. You’re finding even more discounts with the
PerksCard, and you have spoken to an unbiased financial coach to help keep you on
the right path. You are taking the steps necessary to establish a respectable financial
identity and to build a credit rating that may give you easier access to loans in the
future. You’ve reached a point where you need to protect some of the gains that you
have made.
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Identity theft is one of the biggest financial setbacks you can face any time, but it’s
especially crippling in today’s economy with credit so hard to come by. Fight Back plan
members can rest a little easier though, as they get access to a top-notch identity
protection service
Benefit 4: GET IDENTITY THEFT PROTECTION FROM LIFELOCK.
Protect yourself and your family from the devastating effects of identity theft with award-winning
services from LifeLock.
B E N E F I T D E TA I L S :
• Proactive identity theft protection and prevention for your whole family.
• WalletLock service provides assistance in replacing the contents of lost or stolen wallets or purses—
credit cards, licenses, personal docs, etc.
• TrueAddress notifies you of any changes to your address information in national databases.
• eRecon notifies you if any of your financial information appears in an illegal online identity
marketplace.
• Reduced junk mail.
• Reduced credit card offers.
• $1 Million Service Guarantee.
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HOW IT WORKS:
Activate your LifeLock protection.
a. Go to www.lifelock.com and click on the “Enroll Now” button.
b. Enter the promo code “LLFAMILY” and then your member number when prompted.
c. Be sure to provide the information requested for all services, including WalletLock, TrueAddress,
and eRecon.
d. If you do not have Internet access, call LifeLock Client Services Monday through Friday,
7 a.m. to 7 p.m. Central Time.
Watch for confirmations.
Within 24 hours after registering, you will receive notice that fraud alerts have been requested
on your behalf.
Watch for alerts.
LifeLock will notify you when questions arise about your personal identifying information.
Be sure to watch for communications from this company and make it a high priority to read and
respond as needed.
QU I C K M O N E Y S AV I N G T I P :
Say goodbye to late fees
by automating payments.
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As your wealth grows, you’re sure to encounter situations where the advice of an
attorney will be critical. Fight Back plan members have access to discounted (and in
some cases free) legal services from a network of over 20,000 experienced attorneys
throughout the U.S.
Benefit 5: GET LEGAL SERVICES FROM LEGAL CARE DIRECT.
The advice of an attorney can prove invaluable in certain circumstances, but that doesn’t mean you
should pay outrageous fees to get it. Legal Care Direct provides Fight Back plan members access to
discounted and sometimes free services from a network of thousands of lawyers with offices all over
the country.
B E N E F I T D E TA I L S :
• Network of over 20,000 attorneys nationwide.
• $125.00 per hour for extended legal care or a 40% discount off the usual and
customary hourly rate.
• A 10% savings on contingency fee cases.
• Nine free services, including:
• Unlimited initial phone consultations for new legal matters.
• Initial one-on-one consultations for new legal matters.
• Document review (6 pages or less).
• Letters written on member’s behalf.
• Phone calls made on member’s behalf.
• Assistance with governmental programs.
• Assistance with small claims court representation.
• Free simple will with free annual updates.
• Free living will.
Step
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HOW IT WORKS:
Call Legal Care Direct.
Call Member Services toll-free at 800-305-6816, Monday through Friday 7 a.m. to 7 p.m. and Saturday
8 a.m. to 5 p.m. Central time. Identify yourself as a Legal Services member and you will be assigned
an attorney based on your issue, the language you speak and your location.
Call the attorney provided by Legal Care Direct.
The entire network of over 20,000 attorneys has contracted with Legal Services to provide its members
with numerous free and discounted legal services. Plan attorneys will either charge $125.00 per hour,
or when appropriate, give members a 40% discount off their usual and customary hourly rate. In most
cases the attorney will be able to determine the amount of hours any given case may consume prior to
beginning work on the case.
Use Legal Care Direct for all of your legal needs, including frequently
used legal services.
Plan attorneys have also agreed to cap their fees on eight commonly used legal services, which
include: Name change, Real Estate closing, Chapter 7 Bankruptcy, Simple will with trust, Non-support
(spouse/child), and Regular incorporation.
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For many Fight Back plan members, Benefits 1-5 will put them on the road to financial
recovery without any need to look back. But if you’re among the few who find that their
income can’t cover their expenses and debts, even with the improved money management skills that Fight Back provides, our next benefit is going to help you get back on the
path to controlling your debt and rebuilding your financial dream.
Benefit 6: NEGOTIATE DEBT SETTLEMENTS
WITH US DEBT RESOLVE.
The company’s accredited business strategy helps Fight Back plan members get out of debt and stay
out of debt for their lifetime.
B E N E F I T D E TA I L S :
• USDR understands the personal and private nature of each individual’s debt situation. USDR’s debt
negotiation programs help consumers reach their personal and financial goals not only by negotiating debts, but also providing other services and products to set each client up for financial success.
• Awarded the ISO 9001:2000 Certification for providing debt settlement, debt resolution and
financial analysis services, USDR designs customized solutions for each consumer it assists.
Step
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HOW IT WORKS:
Gather information on your creditors and outstanding balances.
Pull together your credit card statements, mortgage statements, tax returns, and other financial documents before you call US Debt Resolve.
Contact US Debt Resolve.
To request a free & confidential consultation, call 866-991-DEBT. You will receive your consultation at
no cost by mentioning promo code “FBPlan-01.” If you would prefer to request your consultation
online, please visit http://www.usdebtresolve.com/free-consultation.html
Build a plan.
Work with your USDR counselor to review your options and develop a plan for getting out of debt.
Plan approval.
USDR’s Approval Board will review your application within 24 hours and let you know if your plan has
been approved.
QU I C K M O N E Y S AV I N G T I P :
Analyze your workday
expenses and bring your
lunch to work.
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The Expense Tracker
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TheExpenseTracker.com
H I G H L I G H T S
•
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•
•
Find $200-$500 per month in misspent money
Get up and running in less than 5 minutes. Much easier than Quicken
Auto-populate a spending plan (Budget) based on your monthly income
Get instant balance updates using web or text message
Enter expenses in real-time—whether cash, debit, or credit
Daily, monthly, and yearly spending reports. IRS compliant for small/home business taxes
B E N E F I T
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•
•
•
•
•
•
D E TA I L S
Go to www.TheExpenseTracker.com
Click the Sign-Up button on the left
Enter plan code NBET10
Enter your personal information in the secure form
Print out your confirmation page (this page will also be sent to your email address)
Create your personal password and then enter your income after taxes
Next time, go to www.TheExpenseTracker.com and click Login, enter your User ID and password
For help, click the Help tab on your online expense tracker
Upgrade to cutting edge Voice technology
• Voice activated. Want to know your balance on any spending category, just speed dial a number
on any phone and say i.e. “groceries”...the voice assistant instantly tells you how much you have
left in groceries this month to spend. You can also deduct expenses right from your phone,
immediately—it’s just that simple!
• Avoid procrastination and end of month “Oops, we over spent!”
1. Log in to your The Expense Tracker account
2. Go to the MyAccount tab
3. Find the “Upgrade to Voice Technology” button
QU I C K M O N E Y S AV I N G T I P :
Slash the incidentals by
cataloging every expense.
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PerksCard
877-253-7100
H I G H L I G H T S
•
•
•
•
•
•
Dining: Gift Cards and Dining Certificates
Vacation: Theme Parks, Hotels, Car Rentals
Home Improvements: Gift Cards, Furniture, Flooring
Entertainment: Video Rentals, Movie Tickets, Golf
Automotive: Repairs, Purchase, Oil changes
Home & Living: Internet, Flowers & Gifts, Home Security
B E N E F I T
D E TA I L S
Use your PerksCard to save money on things you buy and use every day. Find discounts on coffee, dry
cleaning, home improvement needs, dining and entertainment as well as travel and hundreds of other
businesses.
Here’s how you can obtain your discounts:
• In Store—show your PerksCard at local merchants’ locations. Click on any category to search for
participating merchants’ courtesy services and special offers.
• Printable Coupon—Print a coupon on your computer’s printer and bring it to these merchants’
locations.
• Online or by 800#—Purchase online or call an 800# for immediate discounts. These discounts
are not available in stores.
• Gift Cards—Buy a gift card online and bring it to these merchants’ locations.
1. To begin using your PerksCard please locate the section labeled “New Card Member Section.”
Locate the card ID number on the front of your card, as well as the activation code on the back of
your card. Enter the number in the appropriate fields and click register. Complete the registration
form and click “Submit.” You are now ready to start saving!
2. Members can search www.perkscard.com by city, state and zip code for discounts either locally or
when traveling. Discounts can be obtained through the following ways: either in-store at the time
of purchase, on-line by making a purchase through a link, via an 800 number using a value code,
or through downloadable coupons.
QU I C K M O N E Y S AV I N G T I P :
Become a savvy shopper—
look for deals, clip coupons,
shop during sales.
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Financial Help Line’s “MONEY MATTERS”
S
800-704-1308
H I G H L I G H T S
askAFS’s Financial Help Line’s “MONEY MATTERS” services include a live telephonic counseling
helpline and online information and educational resources. Financial Counseling on Demand provides
members with a broad array of practical financial counseling services when they have questions and
need assistance. Solutions include credit issues, debt, cash flow, eldercare, education funding,
budgeting, taxes, savings, retirement and home ownership. Features of the program include:
• Unlimited access to a staff of highly trained, accredited and experienced Financial Counselors
• Initial problem assessment
• Initial problem clarification
• Problem solving options
• Creation of a goal-oriented plan
• Resources and tools for the plan’s solutions and additional education
• Assistance and support in completing the plan
• A powerful array of resources—On-line tools, calculators, articles and
education
• Referrals for assistance as needed
• Ongoing follow-up and help with additional concerns
• No financial products to sell, independent, no conflict of interest, unbiased
B E N E F I T
D E TA I L S
• To access live accredited counselors, call 800-704-1308 Monday through Friday,
7 a.m. to 9 p.m. Central Time.
• For 24/7 availability of comprehensive online resources go to, www.Vip-askafs.com,
click on “enter site.”
Financial Help Line does not provide investment, legal or tax advice. Counselors do not prepare tax
returns.
QU I C K M O N E Y S AV I N G T I P :
Borrow, rather than
buying, one book a
month.
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LifeLock Proactive Identity Theft Prevention 877-LifeLock
H I G H L I G H T S
• Free Fraud alerts are requested on your behalf from the major credit bureaus—when anyone tries
to use your credit the merchant is advised to take extra precautions to verify it’s you and only you
making the request.
• A drastic reduction in junk mail.
• Fewer pre-approved credit card solicitations.
• Ensure the credit approval process goes smoothly.
• WalletLock™ assists you in the event your wallet is lost or stolen.
• eRecon™ searches for your information being sold or traded online.
• TrueAddress™ notifies you when a change of address is filed in your name.
• LifeLock’s $1 million service guarantee—if you become a victim while as a LifeLock client,
LifeLock will recover your good name and spend up to $1 Million to do it.
• Includes your legal dependents for no additional charge.
B E N E F I T
D E TA I L S
1. To register your information with LifeLock—go to www.lifelock.com and click on the Enroll Now
button. Enter promo code LLFAMILY and then enter your Member number when prompted.
2. You will be prompted to enter Additional Family members at no additional charge during your
registration.
3. If you do not have internet access, please call LifeLock Client Services at 877-LifeLock
(877-543-3562), Monday through Friday, 7 a.m. to 7 p.m. Central Time. When you speak with
a client services member, please provide your promo code and then provide them with your
Member number.
QU I C K M O N E Y S AV I N G T I P :
Maintain checking
account minimum to
avoid fees.
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Legal Services
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800-305-6816
H I G H L I G H T S
The referred attorney will provide members with nine free services, which include:
• Phone consultations for all new legal matters
• Face to face consultations for all new legal matters
• Document review (6 pages or less)
• Letters written on member’s behalf
• Phone calls made on member’s behalf
• Assistance with governmental programs
• Assistance with small claim court representation
• A free simple will with free annual updates
• A free living will (advance healthcare directive)
• 10% discounts on all contingency fees.
B E N E F I T
D E TA I L S
1. Call member services at 800-305-6816, Monday through Thursday, 7:30 a.m. to 7 p.m. and Friday,
7 a.m. to 6 p.m. Central Time. Identify yourself as a Legal Services member and you will be
assigned an attorney based on area of law you need practiced, language you speak and location.
2. The entire network of over 20,000 attorneys has contracted with Legal Services to provide its members with numerous free and discounted legal services. Plan attorneys will either charge $125.00
per hour, or when appropriate, give members a 40% discount off their usual and customary hourly
rate. In most cases the attorney will be able to determine the amount of hours any given case may
consume prior to beginning work on the case.
3. The plan member attorneys have also agreed to cap their fees on eight commonly used legal services, which include: traffic ticket defense, simple divorce, name change, real estate closing, simple
will/trust, chapter 7 bankruptcy, and reg. incorporations.
QU I C K M O N E Y S AV I N G T I P :
Use direct deposit for
your paychecks.
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US Debt Resolve
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866-991-DEBT
H I G H L I G H T S
• US Debt Resolve believes that every aspect of your daily finances plays a key role in determining
your ability to ‘get out from under’ your debt. We also understand that when you are ready to take
that first step towards freeing yourself from the chains of credit cards, you might not know where
to start… That is where we step in.
• USDR’s consultants review a consumer’s financial picture and discuss what the program offers.
The first goal is to get you out of debt—Our first priority is to keep you that way. USDR is a company that is focused on not only allowing consumers the opportunity to understand the options to
get out of debt, but more importantly, providing our expert services in achieving this goal.
Free & Confidential Consultation—All you have to do is call!
During the consultation call, you will receive:
• An analysis, based on your creditors and balances, including an estimated actual “pay-off” plan
• An overview of solutions available to you, based on qualifications
• An explanation of US Debt Resolve’s products and services
20% Off Services—Once qualified and approved for a USDR program, you will be eligible for 20% off
the program services. Please use promo code: “FBPlan-01”
B E N E F I T
D E TA I L S
1. To request a free & confidential consultation, call 866-991-DEBT. You will receive your
consultation at no cost by mentioning promo code “FBPlan-01”
2. If you would prefer to request your consultation online, please visit
http://www.usdebtresolve.com/free-consultation.html
QU I C K M O N E Y S AV I N G T I P :
Shed credit-card debt—
choose a repayment timeline and stick to it!
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The
FIGHT
BACK
Plan
1069 West Broad Street, Suite 117
Falls Church, VA 22046
The Fight Back Team is on your side!
