Spectrum Resources is an educational and counseling organization specializing in debt, credit and home ownership issues including pre-foreclosure and reverse mortgages, a government insured program for senior home owners age 62+. Our mission is to help people learn how to live inside their income. Spectrum Resources is a avid endorser of consumer rights and promotes education as a way to not only get out of debt but to stay out of debt. Clients are recommended to learn their rights through federal and state consumer laws to deal with 3rd party creditors and predatory lenders. Spectrum Resources does not practice law nor give legal advice, phone consultations are free at (863) 967-0660 and we welcome emails @ SpectrumResources@tampabay.rr.com. Local speaking engagements / lectures / workshops can be scheduled on a wide variety of daily money management topics. Spectrum Resources is not funded and welcomes tax exempt donations and contributions to help us help others.