How To Get Rid Of
Credit Card Debt
No consolidation!
No negotiation!
No refinancing!
No bankruptcy!
No attorneys!
Our remedy is found in Federal and State law. The Fair Debt Collection
Practices Act and the Fair Debt Reporting Act as well as other legal
processes. This is not a loophole in the law, it is the letter of
the law. Uncle Sam wants to make you debt free! Why not accept his
offer?
It makes no difference whether you've been:
Downsized...
Laid off...
Fired...
If you have credit card debts piling up...
Your creditors are harassing you...
You are afraid to answer the phone...
Or...
If you have a good job but lots of credit card debt...
You're banks keep raising your interest rate...
You're just tired of making all of those monthly payments...
You would just like to spend your hard earned money on something
other than credit card payments...
Our program will work for you!
We can show you how to completely eliminate and walk away legally,
lawfully, and ethically from all your credit card debt. No debt consolidation
or negotiation - no refinancing - no bankruptcy or attorney fees -
eliminate some or all of your credit card debt. Learn how to do what
is best for your financial future, not the bank's.
Action vs. Inaction
Inaction:
If you are having trouble paying your credit card bills or just tired
of paying your credit card bills, you have to do something. To do
nothing puts you at the mercy of the banks and their courts.
If you do nothing the banks will harass you for money. At home and
at work.
If you do nothing the banks will then sell your account to a collection
agency.
If you do nothing the collection agency will harass you morning,
noon, and night. At home and at work. They may even get you fired.
If you do nothing the collection agency will file a collection suit
against you.
If you do nothing the court will find in favor of the collection
agency.
If you do nothing the collection agency will garnish your wages for
the amount of the debt, plus attorney's fees.
If you do nothing your employer may fire you. Not because of the
garnishment, but for reasons completely unrelated...
If you do nothing the banks and their minions are in control and
you are at their mercy.
The answer? It's to late.
If you do nothing, you loose!
Action:
Send the proper notices to the bank, they go away.
Send the proper notices to the collection agency, they go away.
Send the proper notices to the credit bureau and you may be able
to clean up your credit report.
Do the right thing at the right time and you can win!
The right things to do...
tested in the real world with real people for the past two years.
No theories. Just practical, well tested information guiding you on
your way to financial freedom.
Why the process works...
The process works for two very simple reasons. One, banks don't lend
money or extend credit.
Sounds hard to believe doesn't it. But, it's true. This fact will
be proven, beyond any doubt, using the banks own documents, in our
book...
Two, you end your relationship with the bank with clean hands.
The bank isn't so lucky. Thier actions, actually non-action, violates
conscience, good faith, and most equitable principles.
This helps assure that the bank won't be able to come back a few
years in the future and use the courts to help them steal your money.
Phase One: The Book!
You will learn:
The facts about credit cards...
The secret notice that stops banks cold...
The promissory note they won't accept...
The affidavit they won't sign...
What the banks will do after receiving your notice...
What you should do in response...
How to handle collection agencies...
Why the process works...
The moral aspect...
Suggested reading list...
The book is short but overflowing with practical information. You
will be led step by step through the process. You will see and read
all of the necessary notices. By the end you should understand how
and why the process works.
Everything you are taught has been tested in the real world with
real people. No theories. Just practical, well tested information.
Phase Two: The Forms!
Knowing why the process works is easy.
Knowing HOW it works is critical.
Just fill in the blank:
These are the notices you will have to send to the banks and the
collection agencies.
Doing the notices properly is absolutely critical.
This part of our program makes life very easy for you. For that you
can thank my son.
He convinced me to take the book and put it on the web. Create fill
in the blank forms so each notice can be customized by each member
without hassle.
The forms are so easy to complete a 12 year old can do it. Just gather
the necessary information, name of bank, address, account number,
etc. and plug the information into the appropriate box. Hit submit;
and presto, instant notice. Just print, sign and mail. No re-typing
or cutting and pasting. Technology as it should be used. You'll love
it.
Phase Three: Cleaning your credit report!
Once the collection process has stopped, six to twelve months depending
on the persistency of the banks, its time to clean your credit report.
I'm not going to lie to you and tell you this is a slam dunk. It isn't.
The banks pretty much own the credit bureaus. The credit bureaus are
a wall of protection between the people and the banks. They help the
banks punish people who know the truth. Cleaning your report isn't
easy; but, it is not necessarily impossible. This is why we strongly
recommend that you set aside at least one credit card that you can
continue paying on, you use the money you save by not paying on others,
so you will have something for emergencies.
If you declare bankruptcy you will have these bad accounts on your
credit report for up to 10 years. If you just stop paying you will
have the bad accounts on your credit report for up to 7 years and
risk the chance of law suits. With our process you virtually eliminate
the risk of law suits and have a very good chance of cleaning your
credit report long before the 7 years is up.
One wonderful thing about banks, they are greedy. They will attempt
to punish you, for a while, then their greed takes over and they have
this insatiable need for more debt. You benefit.
Important: Do not jump ahead. Follow the program. Learn the
facts then use the notices. Your life will be less stressful.
The Competition...
According to the American Bankruptcy Institute there have been 3,053,442
people file for bankruptcy between January 1, 2000 and July 31, 2002.
A lot of people are choosing bankruptcy and using attorneys. You can
also. Just be ready to fork over between $1000 and $10,000. Also,
you'll be placing your future in the hands of a judge. Something I
prefer not to do. Ask any "honest" attorney, they will tell you, you
can never be certain how a judge will rule. With the Congress changing
the bankruptcy laws to make it harder for you to liquidate your debt,
the chances of a favorable ruling decrease. In addition, once you
have paid the attorney, he/she probably won't make a refund if the
judge's decision is not in your favor. Of course, with bankruptcy,
you have the stigma attached to your credit report for ten (10) years.
Nothing much you can do to get rid of it.
There are also other people out there offering the same or similar
information and services as us. I have listened to the sales pitch
of two of these businesses. I received their names via email. The
first pitch I listened to offered their education phase for a mere
$1,280.00, on multiple CD's. Once you had familiarized yourself with
this information you were ready to move on to eliminating credit card
debt. The first credit card will cost you $800.00 and each additional
credit card will cost you $300.00. With their program they write the
letters/notices for you. Email them to you and let you cut and paste
the letter into your word processor, reformat, print out and sign.
The second
pitch I listened to, offered to eliminate bank credit card debt,
maximum six (6) cards to a maximum of $100,000. They furnish you with
the letters and forms. You customize them for your needs. All this
for a mere $3,000, up front. They do not accept credit cards for payment.
They also turn your account over to a credit report specialist to
clean up the report once you have submitted all the letters and forms.
I don't know if they charge additional for this service or if it is
included in the $3,000.00.
Why they charge so much...
Attorneys charge so much because they suffer from delusions of grandeur.
They actually think they are worth what they charge. Of course, if
they charged what they are worth, they would all starve. Now there's
an idea.
As for the other businesses, I can only speculate.
From listening to the presentations it appears they have set up their
programs to look like they are actually doing the work for you. To
make you feel like they are actually holding your hand through the
process. Making their services feel personal.
We offer the same personal service. We are helpful, supportive, and
informative. We give you all the information you need that guides
you step by step through the process. We make it as easy as possible
for you to complete the notices correctly, accurately, and professionally
with our fill-in-the-blank forms. We are available via our support
forum and email to answer your questions and give you moral support,
when you need it. Plus: we offer one more step that the others
don't. This step makes our process more ethical and honest. It also
makes it virtually impossible for the banks to come back at you latter.
With this one additional step the banks dig themselves a hole they
can't get out of.
Why we charge so little...
There are three ways to make money. You can make a lot of money from
a few people. Or, you can make a little money from a lot of people.
Or, if you have a government protected monopoly, like banks, you can
make a lot of money from a lot of people. We aren't a government protected
monopoly so we chose to make a little money from a lot of people.
From past personal experience we know that many people who need
our services the most are the ones who can afford it the least. We
want to be able to help as many people as possible while still making
a profit and being able to offer quality support.
We also use technology to make our process easy as well as efficient.
Responsibility...
Our program is designed to help those who are willing to help themselves.
When push comes to shove, you are responsible for what ever you do.
It is you that will have to dig up all the necessary information.
You are the only one who has it.
You will have to key in the information. Be it an email to one of
our competitors or one of our fill-in-the-blank forms on the internet.
It is you that will sign the notices.
There are two questions you have to ask yourself:
- Do you want your notices immediately or do you want to wait until
a secretary has time to process them?
- Do you want to spend $3000 with our competitors or $297 with
us?
If you want immediate response at the very lowest price, you have
only one choice.
Membership:
Membership Includes:
- Three year access to our website.
- Online access to our Book which proves banks don't lend money
or extend credit.
- Step by step instructions on how to eliminate credit card debt.
That includes all the major credit cards, Visa, MasterCard, and
Discover.
- Unlimited number of credit cards.
- Easy no hassle fill in the blank forms to create your notices.
- Online support forum.
- Email support.
- Free Membership through our Affiliate program. You can refer as
few as four people and recoup your entire membership fee.
We do all of this for the mere pittance of $297. But wait...
You Can't Lose:
Our Guarantee
OK. Pay attention to this part: Become a member. Read the book in
Phase One. Send the notices in Phase Two and Three. TRY IT OUT. If
our process does not preform just like we state, we'll give you your
money back.
All we ask is that you try out our simple, easy process and give
it a shot. Just give it a fair effort. If it doesn't get results just
like we state, we don't want your money. Just show me you tried my
process as presented, no changing of the words other than personal
information, and we'll give you all-your-money back.
The only reason we can do it is because we're supremely confident
you're going to fall in love with our down-to-earth process and you're
going to love not making those dastardly monthly payments.
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