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How To Stop Paying
High Interest Credit and Loan
Payments using IOU Notes


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In this episode of Money Creation Explained, we are going to cover How to Stop Paying High Interest Credit and Loan Payments with IOU Notes.

Financial Institutions (Banks, Credit Unions, Lenders) and Larger Companies who have the resources, provide loans to others and decide the terms. Credit Cards have high interest rates up to 29% APR (Annual Percentage Rate) plus late and other fees. Payday loan APRs can total 400% or more when all the fees and interest are factored in.

Financial security is very important. It enables people to have more options at their disposal. This facilitates free thinking and democracy in counties all over the world. Healthy debt is okay but excessive debt is caused by compounded interest that is targeted to billions of people around the world, to just make minimum payments. This mostly pays the interest and not the principal borrowed. When the average person is constantly in debt, they are constantly dependent on others and their freedom is turned over to others to make decisions for them, whether or not they realize it. Stress due to financial problems can destroy a personís relationship as well as their physical health and wellbeing.

IOU Notes is a peer-to-peer credit and loan platform that is not based on a person's traditional credit score (FICO), but rather on their IOU Credit Report and their ability to pay others back. Every user on the IOU Notes platform can decide who to give credit and/or lend to, how much and the terms (1- 24 months) and (0% - 5% interest rate).

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