Business

Georgetown Funding Won’t Help You Get Out Of Credit Card Debt

Published

5 years ago

November 17, 2020

Why Is Georgetown Funding Being Called A Debt Consolidation Scam?

Georgetown Funding personal finance and debt consolidation appear to be a long running bait and switch scam. They are offering consumers a low interest rate of 3.1% APR but then switching them to a more expensive debt relief program.

A Review of Georgetown Funding by Best 2020 Reviews shows that this organization, with over 75 web sites, has been flooding the market with debt consolidation and credit card relief offers. The problem is that the terms and conditions are at the very least confusing, and possibly even suspect.

The interest rates are so low that you would have to have near-perfect credit to be approved for one of their offers. Best 2020 Reviews believes Georgetown Funding Is Not Legit, They are also following companies like Credit 9, Titan Consulting Group and others.

On average, credit card debt in the U.S. is more than $8,000 per person. And keep in mind, that this is only an average estimation. Many people owe a lot more.

Considering the American lifestyle – one that is riddled with various forms of debts, such as student loans, auto loans, and mortgages, this debt ends up to be a tricky burden for many.,

However, with some motivation and following the right strategy, you can get rid of credit card debt. Here are those tips.

1. Collect All Your Information

There are various methods available to escape credit card debt. In case you have more than one credit card, for starters, arrange your finances and in the future avoid taking out a loan.

Gather each card’s details and add it to a spreadsheet by noting down interest rates, due dates, credit card balances, and minimum payments.

And most important: make sure to avoid debt consolidation scams that tease you with low rates.

2. Review Spending

If you have plenty of expenses, it can be tricky to handle it all. While stuff such as utility bills, housing, food, insurance, and vehicle costs are a necessity, you can always cut on luxurious spending. Based on your debt, you can even consider moving to a cheaper apartment or purchase a more affordable car.

For utilities, reach out to your cable and internet providers and ask them if there are any deals or discounts. These permanent fixes can reduce your expenses, which can go towards your debt repayments.

Take a peek at your bank account and credit card bills and determine where it is spent. How much money is being spent on monthly subscription services, like Netflix or Amazon Prime? What about the monthly spending on restaurants? Perhaps, you eat out too frequently, which is neither good for your finances nor health.

Make sure you conduct an in-depth review. However, make sure that you can reserve some of the money for fun and creation.

Also, check your electronic, make up, and clothing expenses – perhaps you are spending too much money on these.

3. Create a Budget

After you know where your money goes, the next course of action is to create a budget. List down all the essential expenses, such as utility bills, student loans, rent, mortgage, and groceries. Now, calculate your monthly earnings. Freelancers or people who don’t have a fixed income can use an average.

Next, subtract your essential expenses from your salary. The remaining amount can be used for paying your debt every month. Depending upon your preferences, you can always make room for non-essential purchases, such as entertainment, gifts, and eating out. Still, do remember that excessive spending can cause you to pay for more years than you expected.

4. Negotiate for Lower Rates

Many people are unaware that negotiations with the lender can be quite effective. Whether you are talking with a bank or a credit card company, call them and request them to reduce their interest rate. When a customer has positive financial history, authorities are likely to be flexible with them and accept their demands.

5. Don’t Pay Minimum

Usually, debtors only make minimum payments, which can be around 2% of the balance from the last month. Paying only the minimum amount means that all of your payments are going to the interest payments – the principal amount remain the same. Hence, you should start paying more money, which can cut down your principal loan amount.

So, how much should you pay? Just pay more than the minimum amount, based on your salary and make sure you are consistent.

6. Find a Side Hustle

In today’s world, a single stream of revenue is not enough as monthly expenses use up most of the money. If you are in a similar dilemma and want to get out of credit card debt ASAP, then find a side hustle that is ideal for you. This income can be then used for paying off your debt, which can prove to be effective in paying down the principal amount faster. So, how do create this new revenue stream? During COVID-19, many people have gone online, which means that freelancing is a good bet. You can create websites, sell products on e-commerce stores, or design logos – the possibilities are endless.

7. Work With the Avalanche Method

This method is used as an alternative to debt consolidation and to get rid of credit card debt using an interesting strategy. What you do is that you make minimum payments for all your cards. Next, you single out the card with the biggest interest rate, where you can use the extra money.

When you deal with the credit card that has the highest interest rate, it reduces your total interest payments. As soon as you pay it off, move to the card that has the second-highest interest rate. Similarly, repeat the cycle until you are debt free. According to many debtors, this method is the best one for getting rid of debt in a short period of time.

8. Utilize the Snowball Method

In case the avalanche method appears too complex, there is another strategy to get rid of your debt. In the snowball method, you list down all your debts and start repaying the smallest ones first. Here, there is no consideration of the interest rate.

This method is beneficial because it lets you achieve individual goals sooner and you feel accomplished, gaining crucial momentum.

Prioritizing the smallest card lets you experience how exciting it is to pay off a card, which then motivates you to work harder on the bigger debts.

Business

Why Victorious PR is the Leading PR Agency for AI Companies

Published

22 hours ago

April 24, 2026

Matthew Wiles

Key Takeaways

Victorious PR helps AI companies turn complex, technical products into clear, compelling narratives that earn coverage in top-tier outlets like Forbes, VentureBeat, and TechCrunch.
Through campaigns for companies like Olas and Cluely, Victorious PR has consistently transformed emerging AI startups into recognized voices with strong media presence and industry credibility.
Victorious PR operates on a weekly placement model that builds compounding visibility rather than relying on isolated press releases that fade quickly.

An AI founder builds technology that could transform how entire industries operate. The product works. The team is strong. However, when investors search for the company name, they find nothing. When enterprise buyers evaluate vendors, the startup gets filtered out because nobody on the committee recognizes it. The engineers the founder wants to recruit are joining competitors with inferior products and louder profiles.

This visibility gap kills promising AI companies every year. According to Statista, the global AI market is projected to reach $347 billion in 2026, with 37 percent annual growth expected through 2031. Thousands of startups are competing for the same investors, talent, and customers. Strong technology is no longer enough to stand out.

Victorious PR has built its reputation by closing that gap for founders who refuse to let great products die in obscurity. The agency blends deep understanding of emerging technologies with established relationships across the publications that influence how innovation is covered.

An Agency Built During Uncertainty

Victoria Kennedy founded Victorious PR in 2020, launching at the height of the pandemic when most businesses were scaling back. The agency reached seven-figure revenue within its first year. Victoria’s background differs from most PR founders. She is a Wall Street Journal bestselling author, TEDx speaker, and member of both the Rolling Stone Culture Council and the Fast Company Executive Board.

Before starting the agency, Victoria built a career as a classical opera singer, touring Europe and performing alongside artists like Andrea Bocelli. That experience in performance and personal branding shaped how she approaches client work today.

The agency operates on a press-every-week model. Clients do not wait months between placements, hoping something lands. They move through a steady stream of podcast appearances, thought-leadership articles, and features in respected publications. This consistency compounds over time, building brand recognition that shapes investor decisions and strengthens customer trust.

Victoria describes her philosophy directly. “I built this company with one goal in mind,” she says. “To lead with integrity and help impactful leaders and businesses be seen and heard to have a greater influence on the world.”

Campaigns That Produced Measurable Results

David Minarsch, CEO of Olas, faced a difficult challenge. Olas builds user-owned AI agents on blockchain infrastructure, positioning itself against centralized players like OpenAI. Despite raising $13.8 million, the company struggled to gain visibility outside technical circles. The technology worked, but the broader audience that needed to hear about it was not paying attention.

Victorious PR positioned David as a thought leader through ghostwritten op-eds and expert commentary that connected Olas to larger shifts in AI development. Coverage landed in VentureBeat, CoinDesk, Mashable, Forbes, Fast Company, and USA Today. The campaign generated placements in more than 100 publications, helping Olas reach the mainstream tech audience it needed.

Roy Lee, co-founder and CEO of Cluely, faced a different version of the same problem. Cluely had built an AI meeting assistant that worked well, but Lee needed visibility to attract serious investor attention. Victorious PR launched a campaign that secured coverage in TechCrunch, Business Insider, Bloomberg, Fast Company, Benzinga, Hackernoon, and MSN.

The press exposure put Cluely on the radar of major investors, resulting in a $20 million raise that included $15 million from Marc Andreessen at a16z. The coverage accomplished what cold outreach could not. It brought the right people to Lee’s door.

Why AI Companies Need Strategic PR Now

AI technology is often complex and misunderstood. Investors hesitate to fund projects they cannot explain to their partners. Enterprise buyers need confidence that a vendor will still be in business in two years. Generic PR approaches fail because they do not address these specific challenges.

Effective AI PR requires translating technical innovation into narratives that resonate beyond technical audiences. This means connecting product capabilities to business outcomes that journalists, investors, and customers actually care about. It means identifying angles that make a company newsworthy within the context of trends editors are already tracking.

The Victorious PR team focuses on finding the most compelling aspects of each client’s story and framing them within larger industry conversations. For AI companies, this often means linking technical work to discussions around autonomous agents, enterprise automation, and the intersection of AI with other emerging technologies. The approach has enabled the agency to build relationships with editors at publications including Forbes, Bloomberg, and Wired.

Their client roster includes partnerships with NVIDIA, Solana, and Olas. Placements span Forbes, VentureBeat, Fast Company, CoinDesk, and more than a hundred other outlets that influence how tech decision-makers think about innovation.

The companies that win in AI will not always be those with the best technology. They will be those who can explain why their technology matters and build brand recognition that influences decisions before the first pitch meeting.

About Victorious PR

Victorious PR is an award-winning full-service PR agency that helps businesses get featured in industry-specific media, local press, podcasts, and top publications to be seen as industry leaders in their fields. They have won numerous awards, such as the Global 100 Award for Best Public Relations & Communications Business of 2026, and are members of both the Rolling Stone Culture Council and the Fast Company Executive Board. To book a call to become the #1 Authority in your niche, click here: victoriouspr.com.