About Us

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consulting services to client organizations worldwide. Our exceptional growth rate means we are always on the lookout for more business professionals to join our team and work with organisations such as Ferrari, NAB, Honda, Nissan and Macquarie Bank to name a few. ……………………………….. Payday Loan,Capital Services Prior to March of 2005, payday lenders existed in several states that did not have enabling legislation. These lenders would utilize out-of-state banks to fund loans to customers while the payday lenders would act as marketer, processor, and servicer of these loans. The FDIC permitted the out-of-state banks to import the bank’s home state interest rate into the payday lender’s state. As these banks were located in Delaware or South Dakota, which have no usury cap, there were no interest rate caps on payday loans. Under this arrangement, known as the “Bank Model”, the bank and payday lender would split revenues. Each lending bank was contractually obligated for the losses on payday cash advances in an amount established as a percentage of the interest and/or fees charged by the banks to their customers. Revised FDIC Guidance On March 1, 2005, the FDIC issued Revised Guidance to FDIC-insured institutions that offered payday cash advances, including the lending banks that acted as an agent. The Revised Guidance significantly restricted payday lending operations and revenues. However, in Texas, where most payday lenders had significant operations, a work-around was put into effect, utilizing Section 393 of the Finance Code permitting them to operate as “Credit Services Organizations” (CSO’s). [For the remainder of this discussion, we will refer to the payday lender as a “CSO”]. The requirements for becoming a Texas Credit Service Organization are negligible. One only need fill out an application and obtain a bond. As for what a Texas Credit Services Organization can do, here is the statute: “Credit services organization” means a person who provides, or represents that the person can or will provide, for the payment of valuable consideration any of the following services with respect to the extension of consumer credit by others: Consulting for Credit Services Organizations and Credit Access Businesses Running a Texas CSO-CAB is a complex undertaking. We are thoroughly versed in all aspects of the model, with an expertise in compliance. We can assist anyone from the start-up operation to the experienced operator. Until last year, the CSO model was essentially unregulated. A law creating the Credit Access Business license also created a host of regulations that you MUST follow. The Texas Office of the Consumer Credit Commissioner has been on an audit rampage. Many small operators, by failing to follow even the tiniest of regulations, have been slapped with five-figure fines. It is essential that you get all your ducks in a row before you open your doors. We will carry though the entire process. We cost less and stay with you even after you begin making loans. …………………………………………………………………………………………………… Dave Westfall is The Small Business Accelerator Dave is an educational, entertaining and motivational speaker that engages your audience. He is a Keynote Speaker, Internet Marketing Consultant, Social Media Expert, Turnaround Strategist, Small Business Coach and the Author of SocialNetomics- 50 ways to Monetize your Online Social Network and The Small Business Accelerator books. Dave Westfall’s expertise includes Internet Marketing (SEO, PPC & Social Media), Website Development, Speaking, Coaching, and Authoring several books. He is a former CEO, COO, CFO, CAO, CIO, and CBDO with Fortune 50 and Inc. 100 experience from Ford’s Finance and Insurance Operations, Tandy’s VideoConcepts Consumer Electronics Retail Store Chain, RE/MAX Real Estate Franchise Headquarters, his DewPointe Ventures Consulting Practice and now the WhereToElope.com Small Wedding and Elopement website network where he continues to use his proven marketing strategies and solutions on a daily basis. Dave holds an MBA-Management and BS-Economics from Minnesota State University. His career successes have included start-ups, pre-IPOs, multi-million dollar turnarounds, transitions from entrepreneurial to professional management, paradigm shifts, plus

Satisfaction Guarantee

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A One-Stop Shop

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Free Consultation

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  • Residential Repairs
  • Home Maintenance
  • Home Improvment

Our Team

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Jessica Demore

Jessica Demore

Renovator

Jake Tohmpson

Jake Tohmpson

Home Maintenance

Antenio Fleming

Antenio Fleming

Carpentry Expert

We are Available 24/7!
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Call Us Anytime: 1-800-Got-Divi