Thomas Hargreaves

About Us:

We are a company that believes in educating the client first and selling a product second. We work in the following areas

________________________________________________________________________________________________________________

Financial Planning - TriStar Financial Services We carry a wide array of Insurance and Annuity products for the needs of a customer in most any situation. Being a non-captive company, we are free to represent many companies, and help bring the consumer to the marketplace providing what they need, instead of just what ONE company offers.

________________________________________________________________________________________________________________

Asset Protection and Identity Theft- Thru Prepaid Legal Prepaid legal plans are highly undervalued. I personally have been a client of prepaid legal services for years. I feel very comfortable knowing that I can contact an attorney any time I need some kind of legal question answered. They offer a free Will preparation along with membership, that alone is a huge value. I feel that every Mortgage or Real Estate agent should own the Prepaid Legal Plan for the Self Employed. Not only does it give you access to a team of attorney's if you need it, but it also gives you access to a team of Business Consultants to help you build your business. No matter what kind of business you have. Website: www.prepaidlegal.com/hub/thargreaves

_______________________________________________________________________________________________________________

Mortgage Defense

We utilize an affiliation whith one of the top Consumer advocate firms in America. They are NOT a loan modification company or Law firm. They specialize in Consumer Law and helping homeowners fight for their rights under the law. They are getting in many cases 5 times better results than even the best loan modification companies. Homeowners need to know that 90 percent of the loans written have MAJOR violations in them written to benefit the Lenders/Banks. We expose those violations and help the homeowners fight back on a level playing field. We have some clients who have not paid their mortgage payment in 4 years and more, and they are still not in foreclosure. After conducting investigations on over 400 companies offering loan modifications I found that Modifications benefited the Lender and not the Homeowner so I chose the company I am currently working with.

You can get more info by going to the following Website: www.consumerdefenseprograms.com

For a free analysis email me at agentshelper@gmail.com

_______________________________________________________________________________________________

We have multiple companies and products for our clients, all aimed at bringing the client to the marketplace.

Areas of Expertise

My area of expertise is in Financial Planning. I have also been a Mortgage Agent for the past 6 years and understand how a mortgage fits into the overall picture when trying to build a good solid financial plan. I have researched extensively the new concepts of mortgage acceleration programs from the Money Merge Account from U1st to the 1st line of credit with CMG. And many others such as Mortgage Acceleration Plus, Anagram Financial, Do It yourself Acceleration program, Cash Flow Merger Account, Equity Genie, Lifestyle Builder System, and Sydney Financial. The problem is only a couple of them are worth the cost of the programs, and many of these programs are hard for a client to qualify for. What we do is show our clients how to use the best acceleration program, recognize the best mortgage for their situation, and how to structure things so that they have the best protection for their assets.. We have a team concept Together Everyone Achieves More. Not just our agents but our clients as well. I spend alot of money purchasing books as thank yous for my clients, as additional education is much more valuable to them, than a box of candy, or a ticket to a movie. I have also researched over 400 loan modification companies in America before forming alliances with the ones I now work with

If you give away a thank you item that can help enhance the clients life, I believe it is much more valuable than something they will only use one time. And if you can give them information that will have them coming back to you again and again to do more business with you then it is not only a nice gesture, but also a marketing secret.

Testimonials

Credit Restoration/Repair:

I am so happy with your service. I have tried other credit repair companies in the past and paid 4 times your fee with nothing in return. Your services even included my wife's credit! I am so pleased that I have also referred my 2 sons and several friends

-- M. Diaz

I just wanted to inform you that I had my credit pulled for a mortgage application that my husband and I needed to build our own home. My new mid-score is now 650!!!! I got was so excited to hear that!!! Thanks for your help! I am going to continue to work with you to an even higher score, even though my goal of getting a loan for my new home has been achieved!

--S. Washington

Your services have helped us clean up erroneous items on our report that have appeared over several years. As you know, once they get on your report, they are very difficult to remove, but your service has given us the ability to no longer be a victim of the credit game! Thank you, Thank you, Thank you!

-- Denjay

I started your program and although I have hardly started it or putting a dent in the negative items on my report my score has already increased from 585 to 648! Because of this, I have qualified for a non-conforming loan with Wells Fargo at 6%.

-- Lynn

Prepaid Legal Services:

I would like to comment that before I became a member, I also wondered as some why pay monthly when I have not used attorneys much in the past. Well, here is the first one year and one half of items we have used Pre-Paid Legal Services for:

1)Ongoing advise on stock we own part of class action between MCI and Worldcom.
2) 3 speeding tickets handled by our attorney in court (myself, wife, and son)No points issued on any of our licenses.
3)Two warranty problems on our home remodeling
4)Housing deposit returned of $ 300(our son) It seems landlords tend (try) to hold deposits on college students more than most.
5)Collection of $ 12,500 retainer for our business
6)Living Will prepared at no cost until our living trust completed saving us $ 1,100 from our previous attorney rate. (I had 3 bids on trust)
7)New barbecue grill warranty replacement where dealer did not want to honor. Not only did I get the new lid, but it was installed by the company from Canada at no cost.
Note: All of the items excluding the living trust as we own a business, and the fines and court costs of the speeding tickets, as they were dismissed as moving violations, were done as part of the monthly fee. The only bill I have received for services beyond the monthly was for our living trust, which was something we had put off for years.
It's not only the money you save, but the time, as I did nothing but call our law firm and let them handle it. When you do not have to consider the cost of calling your law firm - you just do it. You have to ask yourself when was the last time you heard someone using an AV rated law firm for a problem with a BBQ grill? Is it any wonder that I now market such a valuable service as our second business.

-- Chris K.

I bought my prepaid legal membership for my business less than six months ago and it has already saved me over 8 thousand dollars. I wouldn't own a business without it. As for the family membership, it is well worth the cost even if you only use it for the will preparation. A will prepared by a good attorney in my area costs about $800. The question is.. Why would you not own a prepaid legal membership?

--Mike

My problem has been solved I want to say what a nice job the attorney did for me. It is [this attorney] in Boise. She was very courteous and helpful looked over my documents and told me how to respond to a frivolous real estate complaint that had been made to the real estate commission I would like to thank them for their support and prompt response.

--J. Schaefer, ID

I'm in Southern California, and I've just had the chance to work with [an Attorney] in Missouri. I am purchasing property in Missouri, so of course I went through [the Law Firm] in California at about 9:30 this morning. By 2:30 pm, not only had I spoken with the CA attorney, but he had already arranged to refer me to [the Attorney] in
Missouri. I spoke with [the Attorney], sent him the real estate contract, and at 5:30 p.m. California time--7:30 p.m. in Missouriâ€"[the Attorney] called me back and went over the contract with me. Instead of having to wait two or three days to get this done, I can sign the contract with confidence that I am protected and move forward on the deal...all within the same business day. So, thank you for our system, thank you for how quickly it can work, and most importantly thank you to [the Attorney] in Missouri.

--M. Powell, CA

This is such a wonderful company to be a member of. The attorneys have treated us like friends and yet very professionally handled our problems with expertise! We saved $470 on a medical claim that we did not owe. It was a billing error! We have sent in documents to our attorneys to read over, such as, financial retirement savings investments, an online net agreement, and several more. We now have peace of mind and thankful hearts for Pre-Paid Legal.

--R. & C. Hammond Illinois

This is an unsolicited letter prompted by the excellent service that I am receiving from [my provider] law firm.

I want to express my great satisfaction with the legal assistance that I am getting from the [provider firm] law firm through my Pre-Paid Legal membership. The people have been so helpful and generous with their time and knowledge.

For example [one provider attorney] wrote a letter to a company which produced immediate results in a business contract conflict.

I have also received good patent infringement assistance as well as help in many other subjects including family matters.

Thank you for a great service!

--E. Jalles, CA