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Training and Learning Tools

Train-the-Trainer videos, available in English and Spanish, are designed for those who are interested in teaching financial education to others.
These prospective Money Smart instructors can quickly obtain an overview of the curriculum components, see the usefulness of the instructor guide and how to use it effectively, become familiar with the student materials, and understand the importance of advanced preparation.

Train-the-Trainer Video - English (40 minutes)

Train-the-Trainer Video - Spanish (42 minutes)

FDCPA (Fair Debt Collection Practices Act)

Use this link as a tool to explain debt collection, and how it might affect future clients.

Its purposes are to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information's accuracy. The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. It is sometimes used in conjunction with the Fair Credit Reporting Act.

Click here to view the PDF file.

FAQ (Frequently Asked Questions)

On our FAQ page you will find the answers to the most common questions we get here at Financira, please click here to visit the FAQ page.

If you dont find the answer you were looking for, do not hesitate to contact us, we will get back to you as soon as possible, usually within the hour.

Additional Resources
As an affiliate you may benefit from visiting some of the companies below, and inquiring about their services:

IAPDAMembership in the IAPDA provides training, certification, debt settlement industry knowledge, legistlative updates and important peer credibility to our members.

The International Association of Professional Debt Arbitrators grew from the commitment of its members to the establishment and maintenance of the highest standards of ethics, professional conduct, and responsible trading, for members operating in the Debt Settlement industry. The evolution of the services provided, and the rapid deployment of Internet and related technology, has meant that this sector of the market has grown in size and range of services. This Professional Third Party Debt Arbitration/Settlement sector now handles a much greater depth of services than at any other time in history.

Visit the IAPDA homepage »


USOBAMission: To represent the debt negotiation industry by creating state specific agendas and to advocate for fair regulation and protection of consumers.

About USOBA:
The United States Organization for Bankruptcy Alternatives (USOBA) was founded by leading members in the debt negotiation industry seeking representation outside of credit counseling and bankruptcy law. USOBA brings individual representation together as a united front to protect the debt negotiation industry and to secure its future. We are committed to working with and informing legislatures, regulators, consumers, creditors, and governmental bodies to better understand the industry.

Visit the USOBA homepage »


MSTARS teaches agents what the debt settlement option is and is not. We thoroughly educate your agents on proper compliance and disclosure elements, so they can market the program in a more effective and accurate manner. Our program teaches a "Fundamental Shift" in how we should be marketing the debt settlement option. We teach a concept and philosophy that creates a more effective, well rounded, educated and compassionate front line agent.

Visit the MSTARS homepage »

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Latest News
A Report on Creditworthiness After Debt Settlment
This brief report, prepared by NERA Economic Consulting, analyzes the effect credit negotiation services are likely to have on creditworthiness after an individual completes the negotiation program...
Read More »
Program Benefits
  • Reduce total debt as much as 40% to 60%*
  • One Low Monthly Payment
  • Avoid Bankruptcy
  • Regain Financial Control
  • Get out of Debt in 12-36 Months
Click to See how much we can save you