Why You Must Know about Debt Consolidation Today if You Want to Find Financial Freedom Tomorrow
If you're sick and tired of hearing "facts" from people and organizations that are really just trying to sell you their finacial plan, you are ready to learn the truth! Many people in your position qualify for debt consolidation, which can be an excellent way to manage and overcome overwhelming debt. It's not for everybody. But if you're ever going to find financial freedom, you need to know what debt consolidation can and cannot do!
From Jo Ann LeQuang
Dear Friend,
If you're facing a lot of debt, you know how frustrating it can be to hear about programs or plans or agencies that claim to help ... but they wind up just going for your wallet in a blatant sales pitch or they frighten you with a bunch of "facts" that sound more like threats.
Debt is a frightening subject, but it's mostly scary because you are probably in a very unusual situation (for you) and don't know where to turn.
Maybe you've heard about debt consolidation. You've probably also heard about debt management and debt settlement and bankruptcy. Maybe it's all just a big blur in your mind. But here's the fact: they're not the same thing. They're very, very different things and the one you pick to help you out can impact your financial future for years to come!
Without wanting to frighten you more, I must tell you that the decisions you make now to manage a large debt can come back to help you ... or haunt you ... for years and even decades to come. People in your position (and you're not alone, not by any stretch of the imagination) can make wise decisions or serious mistakes.
Here's why. You need to get your debt under control (that means you need a plan) and then you need to get your debt paid off (that means you need to execute your plan). But there are programs and agencies and people out there who will offer you exactly the wrong plan. You can wind up with a bad credit report. You can wind up deeper in debt. You can even wind up in court!
It's not about being a bad person. It's not about being smart or dumb. It's about doing your homework.
That's why you need to look at Debt Consolidation Answers. Unlike many other reports or information about debt consolidation available on the market today, Debt Consolidation Answers was written by a publishing company--not a company that's trying to sell you on some financial program. In fact, Debt Consolidation Answers is published by a company that has no financial or other interest in any financial programs, counseling services, or debt management programs.
Debt Consolidation Answers is just that: answers and information to the questions you're probably already asking and the questions you ought to be asking.
You see, just like there's not just one way to get into debt, there's not just one way to get out of debt. Debt consolidation is one approach--and it's a very good one, I might add--but it is not right for everybody. Furthermore, not everyone can qualify for it! And even of those who might qualify for it, not everyone can figure out how to make it work in his or her individual case.
So why even bother with it, if not everyone can use it? Because when used properly by the right people, debt consolidation can:
Pay off your debt ... that's right, pay it off! Not hurt your credit report (in fact, debt consolidation may actually increase your credit score! This book will tell you how...) Preserve your integrity and keep your conscience clear Maintain your privacy and keep you out of bankruptcy court
Best of all, debt consolidation is the sort of thing that can be done privately or through a service or with a counselor, so you can tailor the program to exactly fit your need.
There are a lot of misconceptions about how to handle debt. Let me share some more of the little-known truth about debt consolidation:
Debt consolidation is actually a tactic used by the super-wealthy and big businesses to help manage their money Debt consolidation is perfectly legal, ethical, and honest. In fact, if your bank finds out what you're doing, they'll think you're smart Debt consolidation can help you better understand your financial big picture and give you important skills in money management Debt consolidation is not the same as debt management or debt settlement, which can do a number on your credit report
If debt consolidation is so great, then, why doesn't everybody use it? Well, for one thing, it really isn't useful in all financial situations. Second, you have to be willing to do some legwork and exercise some financial discipline and self control. And last but not least, not everybody even qualifies for debt consolidation.
So how can you find out if debt consolidation is right for you? You need information, not a sales pitch.
Many companies offering debt solutions are actually trying to sell you services that cost you money. You can get help from an agency or counselor to get your debt "settled" or discounted, but that sort of thing will hit your credit report--hard. You may have even talked to some friends about filing bankruptcy. True, bankruptcy can get some debts written off, but it is a legal proceeding that gives a judge a lot of authority in terms of how you manage your money. Bankruptcy will stay on your credit report for at least seven years. And with everyone from potential lenders to mortgage brokers to prospective future employers eager to peruse your credit report, a bankruptcy on your record can come back to haunt you in ways you never imagined.
That's why you need information. Not pie-in-the-sky feel-good stuff, not a sales pitch, and not a bunch of hype repackaged as hope. You need to know what debt consolidation is, how it works, and then you can make an informed decision as to whether or not this kind of thing will work for you.
Debt Consolidation Answers will tell you the truth about:
How debt consolidation differs from debt settlement (this distinction alone can save you thousands and years of high-interest rates) Seven things debt consolidation can and cannot do for you How homeowners can unlock the power of refinancing to help consolidate debt Why so many people get seduced into refinancing options, only to find these two unexpected drawbacks! Smart (and dumb) ways to use a line of credit to consolidate your debt Sources of excellent, professional--and free--financial advice at your disposal right now that you might never have thought of How your credit score is determined, why it affects your financial (and even employment) future, and ways to manage it When a zero-interest credit card deal is no good to you The most important financial formulas you'll ever need to know (and you don't even need math!) Why bankruptcy is the most drastic approach and one you should avoid if at all possible Ways to sniff out possible fraudulent debt companies Why debt settlement can end up costing you more long-term than debt consolidation How to find a great, certified, local credit counselor How to end the debt cycle ... forever
Debt Consolidation Answers offers you a friendly, easy-to-understand guide to all that financial mumbo-jumbo you've probably been hearing lately.
Let's be honest. Debt consolidation is not for everyone. It may not be right for you. But you owe it to yourself to get the facts ... the real facts, not just some company's "spin" on the subject.
Done correctly, debt consolidation can wipe out your debt, preserve your reputation, boost your credit score, and help you master your finances once and for all. Now isn't that something worth checking into?
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You can get your copy of Debt Consolidation Answers instantly in digital format. It doesn't matter if it's 3 a.m. (debt and insomnia kind of go together) or if you're at home or on the road. We'll deliver the digital report to you instantly in electronic form. Print it out, keep it on your computer, read it and refer to it. It's yours to keep.
This digital report is over 100 pages packed with easy-to-understand, real-world information about debt consolidation. You'll find out what debt consolidation is, how it works, and how you might be able to make it work for you. Even if you wind up not opting for debt consolidation to solve your financial situation, you will at least have the tools and information to make a serious-minded decision.
This digital report is available to you online for $29.95, which nowadays is probably less than the price of the gasoline you'd need to drive out to seek professional financial advice--and you'd probably have to pay for your financial advice, too! You get an unbiased, unvarnished look at debt consolidation.
Now let's talk about what this book is not. It's not a paint-by-numbers get-out-of-debt free card. Debt is a complicated subject and we cannot provide generic one-size-fits-all "methods" to get you out of debt. This report will not give you a way to walk away from your debt scot-free. It does not describe anything like an easy, quick-fix approach to debt.
It's information. It's the truth. Remember tha told movie where Jack Nicholson shouts, "You can't handle the truth!"
Can you handle the truth? Your financial future may depend on it.
If you do not find that this report provides you with an easy-to-follow, engaging, user-friendly description of debt consolidation with practical tips and insights in terms of figuring out if it's right for you and, if so, the next steps to take ... we'll refund your money. We'll even give you 60 (sixty) days to check it out. Read it, look it over, and then decide if you can handle the truth. [That's a 100% guarantee.](Guarantee.html)
There's no doubt about it. Getting a financial education is expense. But you should see the price of financial ignorance! Consider this an investment in your financial future and your sanity!
Just $29.95 and you can be on your way to financial recovery by taking the important first step: education. It's all about knowing the facts!
Debt consolidation is not a subject that a lot of debt management companies or debt solution programs really discuss. You know why? First of all, if you really undertand debt consolidation and get your arms around it, you can do it by yourself. Yes, it's the original financial do-it-yourself program!
Second, it's tough. It's a program that requires some self-education, study, determination, discipline, drive, and action. If you are one of those types who wants to watch TV and whine and wish your debt goes away ... well, there's a whole industry out there that wants to meet you. Debt consolidation is for action-takers who are sick and tired of being sick and tired. If you have the gumption and some drive to get out of debt ... debt consolidation may be the financial plan you've been waiting for (and one very few debt management companies even want to tell you about!)
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But if you want to change your financial life, you need some more tools. That's why I am so excited to offer to people ordering right now a special bonus absolutely free.
Bonus #1: Special Report: Debt Tools
This is a mini-report packed with the key facts about the main approaches to debt out there. If you get confused about all the mumbo-jumbo in the market place ("settle your debt for pennies on the dollar," "debt relief," "debt management program" and so on), use this fast, easy reference guide to get a grasp on what is being talked about. Of course, it's a slippery subject. Lots of debt companies and services out there deliberately try to blur the distinctions or use misleading language. Stop them! Get yourself informed, the easiest way we know how.
Bonus #2: The Super-List of 27 Ways to Make Some Extra Money Right Now!
We've been there. You've been there. You need to hustle up a few bucks and quick. If you're facing major debt, you need to get wise in a hurry to great ways to raise some extra cash. This super list contains 27 proven, easy, legal, sensible ways that you can infuse some extra moolah into your household.
Bonus #3: We Saved the Best For Last! Join the Millonaire's Club
This is a brand-new top-secret product in development. The working title of this project is called "The Millionaire's Club," although I'll bet you dollars to donuts that's not the final title.
This audio CD is a compelling, hard-hitting and different report that talks about how rich people (the self-made rich, that is) think dabout debt, saving money, and investments. Here's a hint: it's not the way most of us think about debt, saving money, and investments!!
We will send you that CD right now for free. That's right, a real physical product, sent to you absolutely free. No postage, no shipping, no handling. Free.
Why are we doing this? Quite frankly, we want to have some beta-testers. We'd love to hear your opinions. And if you send us serious input back (good, bad, indifferent) we'll send you a Redd Publishing coffee mug, just for helping us out.
All you have to do is download Bonus #3. It's a coupon. Print it out, fill in the form, and then mail it to us. Our address is on the form. OK, it'll cost you a stamp. But when we get it, we'll send you "The Millionaire's Club" in-development secret CD free (no shipping, no handling, no cost for the product) and we'll even send you another gift if you take time to listen to it and email us comments (we explain how to do that when you get your CD).
"The Millionaire's Club" could be one of our biggest blockbuster products in coming months ... wouldn't it be fun to get the streamlined original report first ... before anyone else? It's all about the ways in which rich people think differently about finances. You know, lots of people say real wealth starts in your head ...
Join us today! Access Debt Consolidation Answers, pick up your bonuses, and get on the path to a sane, prosperous financial future today! With our super beta-test bonus and this great book, there's never been a better time to start digging yourself out of debt and getting back on track!
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Sincerely,
Jo Ann LeQuang
P.S. Poor people have big TV sets and rich people have big libraries! Understanding debt and debt solutions is the most important step you can take in getting yourself back on track. You owe it to yourself and your family to find financial freedom as quickly as you can!
How your debt occurred is no longer the point. What you're going to do about it, is. Hurry! The faster you get your debt under control, the better the next phase of your life is going to be!
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