debt, credit cards, credit score, credit card debt, debt
settlement, debt negotiation, debt reduction, bailout - Settle Your
Credit Card Debt
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* debt, credit cards, credit score, credit card debt, debt
settlement, debt negotiation, debt reduction, bailout
For you can trust
"Hey Ken, I bought your book almost a year ago, followed it step by
step and settled on one incoming phone call, two credit cards totaling
$55,000 for $10,000. I refer you to all my friends in need, It really
works!! Thanks A Million$" - Sam X. Torrance, CA
"I had $235,000 in credit card debt. I was one week away from filing
Chapter 7 bankruptcy when I ordered "The Do-It-Yourself Bailout." This
book inspired me, and gave me the guidance and foresight to negotiate
these balances down to close to $40,000, about 15% of what I
originally owed. Thanks Kenny." - Steve, Roundhill, VA
I HAD SO MANY QUESTIONS
* Is settling my credit card debt legal?
* Will I get sued?
* Is it the “right thing to do?
* What happens if I get sued?
* Do I need a lawyer?
* How much can I hope to settle for?
* Should I file bankruptcy?
* How long does it take?
* What happens if I miss a payment?
* What will happen to my credit score?
If you’re like me, your credit card debt may also come with anxiety,
doubt, fear and uncertainty. I was afraid of losing my home and going
bankrupt. I was depressed, irritable and unable to fully enjoy my
relationships with friends and family. I couldn’t concentrate. I
couldn’t have fun.
I was paying nearly $4000 a month in interest, on top of my mortgage
and regular expenses. I was constantly worrying about my debt and my
future. I was losing sleep. Losing hair. I even lost a girlfriend
because I couldn’t focus on life when I had so much debt in the way.
The debt was consuming me.
I couldn't see any future, any job, anything short of winning the
lottery that would get me out of that much debt before I was
destitute.
That was just a few months ago.
I finally had to face the possibility of bankruptcy. I visited an
attorney who told me something I had never heard before.
He told me that it is possible to call a bank or credit card company
and negotiate a settlement on credit card debt, possibly for far less
than the balance owed. Frankly, I couldn’t believe it. If it were
true, I might just have found a way out from under the debt that was
defining, if not destroying my life.
I turned to books and websites for some guidance on how to settle my
credit card debt.
Amazingly, I found none!
I found many books that said I “could settle my credit cards, but
gave no information on “how.
How many commercials and web ads have you seen for “debt reduction
experts who say they’ll negotiate your credit cards for you? They
wouldn’t tell me how. In fact, many want to make you think you need
them to settle your debt.
You don’t!
I did it myself and so can you!
"Thanks to the encouragement and information in your book I've
recently settled $54,000 of debt for $15,000." - Mark D., Los Angeles,
CA
"I bought your book and have been following it to the letter (!)
with two credit cards that I'm unable to pay due to a 40% pay cut. The
first one just settled with me today for $8700 on a $21000 debt. whew.
Thank you so much for that." - S.B. New York
I WILL TELL YOU:
* What the phone calls were like when collections agents began to
call.
* How I initiated negotiations.
* How the banks responded.
* How long it took to reach settlements.
* How I got the settlement agreements in writing.
* Even how much I settled for.
* What does "charge off" mean and how it affected my accounts.
* How I separated emotion from my debt.
* How I evened the playing field with big banks.
* And much, much more.
I had $212,000 in credit card debt. Now I have only $15,000. I’ve
reduced my debt by more than 90%. And the best part, I’ve saved over
$130,000!
That’s right. $130,000 written off by my banks and credit cards
companies, forgiven, wiped away, forever! And with it, my fear,
stress, pain and anxiety have been wiped away, too. I sleep well. I
eat regularly. I laugh with my friends and family and make it through
my days without living in my head, torturing myself over money.
I have been through the process with six, major U.S. banks and now I
have answers.
I want to tell you how I did it! I want to share my experiences with
you. I’m not kidding, I want to tell you everything.
I'll tell you where my credit score ended up. How I sent in the
money. How I responded to the intimidations of collection agents that
led me to getting even better settlements!
I settled one account with a $76,000 balance for $25,000. A savings
of $51,000!
Here is the settlement agreement:
I even got sued. I’d never been sued before, for anything. It was
terrifying.
Just look how it’s worded in paragraph 3: “Once a judgment is
obtained, your income may be garnished and other personal property
subject to levy may be seized. “The judgment may include costs of
suit, interest and attorneys fees. “Filing of the lawsuit is
unavoidable.
IS IT UNCOMMON TO PUT $500, $1000, $2500 OR MORE ONTO CREDIT CARDS
EACH MONTH TO PAY FOR SUMMER GAS PRICES, RISING FOOD PRICES, BRACES
FOR THE KIDS, HEALTH INSURANCE, NIGHT CLASSES OR A NIGHT OUT?
YOU CAN GET OUT FROM UNDER OVERWHELMING DEBT! I'LL TELL YOU HOW I
DID.
What did all this mean?
ANOTHER OPPORTUNITY TO SETTLE.
I will tell you how I settled the lawsuit and the account for less
than half of the balance, without penalties or legal fees.
It is a fact that Americans are carrying more credit card debt than
ever before. I believe that most of us do not get into such debt
through extravagance or carelessness, but by simply trying to make up
the difference between our income and the basic expenses of life.
There is often a narrow margin between what’s left in a paycheck after
FICA, FUI and SUI deductions, and what’s needed to pay rent or
mortgage, a car note, gas and electric, a telephone, food and
clothing, and maybe a movie now and then.
Perhaps you’ve opened your own business and now find that your loan
payments can’t be met in an economy that has caught the C.E.O.’s of
major corporations by surprise! Who could predict that the housing
market would crash, then the credit market, then the stock market?
Whether through business or personal expenses, have you found
yourself carrying more credit card debt than you can manage?
There is a way out. Debt negotiation as an alternative to
bankruptcy. You can settle your credit cards. It is legal. It is
quick. And it could save you thousands of dollars.
"I really found your book helpful! I am now in a very empowered
state most of the time with everything, but I was super-stressed out
for a long time!" - Chuck B., Phoenix, AZ
"I just wanted to thank you for your useful information in this
book. I will recommend it to a lot of friends." - Marc D., Los
Angeles, CA
"I also have both personal and business debt. My income has
drastically reduced in the past two years and my debt has gone through
the roof. I have started reading your book, it is exactly what I have
been searching for." - Mark E.
Even if you choose to use one of the reputable debt consulting
companies to manage your debt, my book, "The Do-It-Yourself Bailout,"
will make you an educated consumer, giving you the information you
need to ask the right questions, choose the right company, and work
with your consultants to reach the best deal for you, saving you time,
money and headaches.
I am not offering a service to reduce your debt for you. I want no
monthly fee, no subscription, no commission. All I want to do is tell
you my story, because if you're in a situation like I was in, it could
help you.
Collectively, readers of the "Do-It-Yourself Bailout" have saved
over HALF A MILLION dollars in credit card debt.
Read my book to learn what they learned.
There’s no reason you can’t settle your credit cards, too.
Contact:
For you can trust
ALL TESTIMONIALS ARE EXCERPTS FROM EMAILS I HAVE RECEIVED FROM
ACTUAL READERS OF "THE DO-IT-YOURSELF BAILOUT." NO ONE RECEIVED ANY
COMPENSATION IN CASH OR TRADE FOR THEIR TESTIMONAILS. WHILE THERE ARE
MANY READERS I HAVE NOT HEARD FROM, AND I'M SURE MANY WHO HAVE NOT
ACHIEVED THESE RESULTS, IF ANY, THE RESULTS INDICATED IN THESE
TESTIMONIALS WERE ACHIEVED BY "AVERAGE" PEOPLE (THE FTC'S TERM, NOT
MINE, I CONSIDER ALL MY READERS TO BE EXCEPTIONAL) WHO REDUCED THEIR
DEBT ON THEIR OWN AFTER READING "THE DO-IT-YOURSELF BAILOUT."
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(c) 2009 Settle Your Credit Cards - All Rights Reserved.
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