Get Rid Of ALL Your Credit Card Debt Today!
I had over $120,000 in credit card debt, but
With The Information Inside This Little E-book, I
Easily Just Wiped It ALL Away...
No, I did NOT file Bankruptcy and YES I had the credit
card companies bending over backward to help me...they
want to help you too!
Spend the 19 bucks for this little e-book and wipe your credit card debt away today.
Hi, My name is Scott, and I had
$120,153.17 of credit card debt.
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Here's a copy of my biggest Credit Card statement.
I scanned it, so it is a little hard to read,
but look close and you will see that I had...
...$66,993.36.34
on just one card!!! You can also see
$13,656.92 in late
fees and finance charges, OUCH!
I
just settled all of my credit card debt for $24,980.
That means I settled all my credit card debt
for about 20% or 20 cents on the dollar.
That means that $95,173.15 of credit card
debt that I had racked up,
just vanished. It was wiped away and
completely forgiven!
And
I settled it all by myself.
It was really easy to do.
I
did NOT file bankruptcy
I did NOT use a debt settlement service.
I did NOT use credit counseling.
I am NOT on the run from the law!
I
just winged it, all on my own.
Just little ol' me.
And to be completely honest, the hardest part of the whole process was
the waiting. I determined when I called and who I talked with at the credit card
companies. I never answered any of their collection calls or responded in
any way to their letters.
When I called, I had figured out how to talk with really nice people who
were sympathetic and kind. I didn't want to talk with mean people, and I didn't have to.
I owed them money. But you know what? That fact meant that I was in the drivers seat.
Credit card debt is UNSECURED debt. Sure they can eventually sue you and get a judgement against you,
but that is very costly for them and it takes a LONG LONG time.
They want to settle with you.
It was sooooo easy to do.
-------------------------------------------------
Right
now, get your copy of my story. It might just be the encouragement
you need.
Below
is one of my favorite letters.
Oh
no my debt is about to
be written off as "bad debt".
So
scary!
Also
notice that they are offering to "lower my interest rate".
This has ZERO incentive power.
Honestly
offering Free Tator Tots would probably be just as effective.
After all, I didn't have the money to pay the credit card bill, and I always need food.
Right
now, get your copy of my story. It might just be the encouragement
you need.
And
below is my favorite letter and the one letter you are
really
interested in getting yourself.
Notice that they have
agreed to settle $65,000 of my credit card debt for $12,980.
They wiped away $52,000 of my credit card debt.
Poof!
Gone!
Right
now, get your copy of my story. It might just be the encouragement
you need.
I
can tell you how I got out of debt. I have done it personally.
I eliminated over $95,000 worth of credit card debt.
I did not consolidate my debt. I did not file bankruptcy.
I did not use a debt settlement service.
I did not have a debt management plan.
No, I just eliminated my debt.
All by myself, without any help.
Actually to be completely honest the credit card companies helped me a lot. I didn't have to do much of anything.
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Right now, get your copy of my story. It might just be the encouragement you need.
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If you have found this page then you are probably
dealing
with credit card debt as well.
I know how you sick and
desperate you feel right now.
I had $120K of credit card debt. I seriously doubt
you
have anywhere near that amount!
Read my story and I will tell
the exact steps that I took,
to quickly, easily, and
painlessly get out of my credit card debt.
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Right now, get your copy of my story. It might just be the encouragement you need.
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First
let me give you a little background on
myself
and how I racked up this much credit card debt.
I am 35 years
of age.
I have a wonderful wife (Sophia) and we have
been
married almost 15 years.
I have 3 children (Pete, Ameilia and
Patrick) who
have
6 cats and 3 rabbits and several hundred imaginary pets.
I
have 3 older sisters whom I love.
My parents and my
mother-in-law all chose to retire
in
the smallish town in which we live.
I have a few really good
friends.
I am a weekly church attendee.
In short, I
have been told that I am a trustworthy,
somewhat
intelligent,fairly jocular fella, and not at all a shyster.
This
context is important for what I am about to tell you.
Two
years ago, I had no personal debts, I owned my house free and clear,
I had $112K in the bank, I was part of a two businesses
that seemed to be moving upward, and were
providing
me $100K per year in salary.
But as you know, situations
change and life throws curves.
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Right now, get your copy of my story. It might just be the encouragement you need.
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Our
consulting business was too heavily
dependent on two regular clients.
These two clients went away quickly and quite unexpectedly.
This
business quickly imploded.
In our construction business, we
stopped building
homes just before the housing crash, but a failed
land development project, ended any hopes of
personal
profits, which had seemed so gloriously certain:)
Fast forward
to the 6 months ago.
I took out $168K mortgage on my house to pay
left over business bills, and I had accumulated
$120K
in credit card debt while trying to get things going again.
I
had $3,000 in cash and obviously nothing left in credit.
My sources of income were gone, I couldn't
find a job to save my life, and my
credit
rating was in the toilet.
Now that's not a pretty picture.
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Right now, get your copy of my story. It might just be the encouragement you need.
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This
means that we had absolutely zero income
to even pay the minimums on our credit card debt,
we
couldn't pay our
mortgage, and how the heck are we going to eat!
Wow what an ugly mess I was in!
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Right now, get your copy of my story. It might just be the encouragement you need.
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My
knee jerk reaction was to call a bankruptcy
attorney
and see if I could get out of it that way.
Bankruptcy
attorneys will always give you 15
to 30 minutes of free phone consultation.
You can learn a whole lot about your real
situation, just talking to these guys.
I called 3 different attorneys. Cost to me was zero,
and
I got a load of good information.
The first attorney was very
quick to say that
I was a perfect candidate. He told me I could file
immediately and then boom, just like that all
my credit card debt would vanish.
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Right now, get your copy of my story. It might just be the encouragement you need.
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The second attorney (which I talked with for free)
asked a few more questions and told me that many
of
the charges I had made would likely not vanish
because they had
been made within the last 12 months.
He told me that at best
bankruptcy would allow me to
settle for 50 cents on the dollar, most of the
charges
that had been made within the previous 12 months.
I would still
have to pay the other 50% over time.
Now let me interject real quickly that I am the
type of guy who always pays his debts in full.
I
was raised to believe that you
always pay your bills, that your
"yes"
means "yes" and not maybe.
So, I had some serious
moral reservations about
"sticking it to" the credit card companies.
I
really did want to pay my bills. And I would if I could.
But
dang it all, I just couldn't.
I didn't have any money..
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Right now, get your copy of my story. It might just be the encouragement you need.
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I
decided I had better talk with my priest about the
whole sorted situation. I certainly didn't want
to sell my soul, just to settle
some
debts.
He agreed, that I needed to pay my bills, to fulfill
my
obligations with the credit card companies.
But he also said
that bankruptcy is a valid option
I could use to protect myself and my family so that
I could get back on my feet and then pay my bills later.
He
also pointed out that CC companies are in the business
of selling money. And you always have the
right to haggle on the
price of any product you are buying.
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Right now, get your copy of my story. It might just be the encouragement you need.
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He then told me a story about a guy he knew who
used
a neat tactic to get the best deal possible on a used car.
The
old guy finds the card he wants, then takes up about
3
hours of the salesman's time, haggling over the price.
They
finally come to a price, say $10,000.
Then the guy says that he is going to go his
bank
and get the money. He comes back
in a hour with a cashiers check
for $9,000.
Now what is the salesman going to do? He has spent
4 hours with this old guy. He want's to make the
sale. So, he pushes his manager to get the deal approved at $9,000.
$10,000 really wasn't the best deal the car dealer
could give. And the old guy simply used a tactic
to
get them to honestly reveal their lowest price.
This
conversation with my priest helped me tremendously.
He also gave me 2 specific prayers to pray. I did
pray them, and the results have been incredible.
I
will tell you more about that
later.
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Now, the point of that rather long interjection, was to ease your mind,
if
you are like me, and you want to do the right thing.
You
should have no concerns whatsoever about getting the best deal you
possibly can.
If you feel good about settling for 50% then do
it.
If you want to settle for 10%, then you should try to do that with
all your strength. And you should use every lawful tactic at your disposal.
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Right now, get your copy of my story. It might just be the encouragement you need.
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There
really were just a few secrets that I needed
to know, that the credit card companies didn't want me
to be aware of, that allowed me to effortlessly
settle my debt for pennies on the dollar.
I
eliminated a huge amount of debt quite easily
and I did it without any anxiety or fear.
I
didn't need to be a shrewd negotiator or
anything like that. I just needed to be myself,
and
have some key information at my
disposal.
-------------------------------------------
I
know that you and thousands of others are trying
to figure out what to do, so I wrote my
experience down.
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Right now, get your copy of my story. It might just be the encouragement you need.
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In
my story I tell you the following secrets
that will put me in the driver's seat, and
allowed
me to settle my debts for pennies.
If
I didn't pay my credit card bills for
a
very specific number
of days, you would save mucho dollars.If
I let my credit card debt go unpaid
for 1 day to long, I would end up paying a whole
lot more. I learned this lesson the hard
way,
and it cost me $2,500.Each
credit card company had a different
"magic number of days". I just had to ask one question
to
find out the magic number of days.
I had a good story and I stuck to it.
I
will tell you the story I used that worked like a charm.What
if you don't have the cash to settle?
I will tell you specific ways that I used
to
get the money I needed to settle my credit cards.I
found it impossible to settle for
less than 20 cents on the dollar, but I have
since found a neat trick that might help you
settle for 10 cents on the dollar. Actually one
of
my creditors accidentally told me about this tactic.
I didn't want to talk to my creditors
every time they called, but I figured out that I did need to talk to
them at very specific times. I will tell you those times.
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Right now, get your copy of my story. It might just be the encouragement you need.
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Best
Of Luck To you.
If you have any questions after reading my story, just drop me an email.
Thanks so much, Scott
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Right now, get your copy of my story. It might just be the encouragement you need.
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