Breaking Free From DEBT - How to get out of debt using your current
paycheck
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HOW WOULD YOU LIKE TO GET COMPLETELY OUT OF DEBT - INCLUDING YOUR
MORTGAGE?
How would you like to make your life
completely _Recession Proof_?
Here’s the TRUE story of how I got out of debt using the Breaking
Free From DEBT system, saving $157,221 in mortgage interest, and how
you can put this same PROVEN DEBT-BUSTING, MONEY-SAVING SYSTEM to work
for YOU!
JUST IMAGINE FOR A MOMENT - NO CREDIT CARD PAYMENTS, NO CAR
PAYMENTS, NO MORTGAGE PAYMENT, NO DEBT PAYMENTS OF ANY KIND! WOULD
YOUR LIFE BE BETTER OFF?
YOU BET IT WOULD!
WHAT WOULD HAPPEN, IN THIS CURRENT ECONOMY, IF YOU LOST YOUR JOB?
THERE IS A LOT OF FEAR OUT THERE RIGHT NOW. THOUSANDS ARE LOSING THEIR
JOBS. BUT, IF YOU WERE TOTALLY DEBT FREE, YOU COULD SLEEP AT NIGHT,
KNOWING THAT IF YOU _DID_ LOSE YOUR JOB, YOU WOULD NOT LOSE YOUR
HOUSE, OR CARS, OR ANY OF YOUR OTHER “STUFF,” BECAUSE YOU OWNED IT
ALL - FREE AND CLEAR. YOU COULD GET A JOB FLIPPING BURGERS AND DO JUST
FINE.
NOW THAT’S PEACE OF MIND!
Introducing Breaking Free From DEBT, the proven system that will
reveal to you how to get completely out of debt
- INCLUDING YOUR MORTGAGE -
in about seven years, using just your current income!
The Breaking Free from DEBT system will make it possible for you to
zap your creditors into oblivion like aliens in a video game, shooting
them down faster and faster until there are none left!
I was recently looking at the website of someone else who claims to
be selling a program to help people get out of debt.
He very boldly said:
“Most people mistakenly believe they’re in a “debt crisis.”
In truth, they are actually suffering from an “income crisis,” a
basic lack of income.
Well, I can say just as boldly, and with absolute certainty, that
this is total balderdash! In my years of counseling people towards
debt freedom, I have seen over and over again that
the higher someone’s income, the greater their bondage to debt!
More income is NOT the answer!
The upper middle-class have more trouble with debt than the
lower-middle class or the poor. More income just gives you more rope
to hang yourself. I counseled one woman who had about $110,000 just in
_CREDIT CARD_ debt! This didn’t even count her mortgages and auto
loans. She had a _GOOD_ income, but she was in trouble!
The man on this other website that I was looking at then went on to
tell you how he will help you get out of debt by helping you make more
money so you can pay it off. He didn’t have a debt elimination plan
- he had a business opportunity! But, _I’M_ not talking here about
some business opportunity that will earn you millions of dollars so
that you have enough money to get out of debt. There are thousands of
biz-ops online that will earn you millions of dollars, right? Just go
to any one of their websites and they’ll tell you all about it. If
that’s what you’re looking for, you might as well move on right
now. I’m sure you won’t have trouble finding one of those
businesses. But you won’t find one on this page.
What I’m talking about here is using your _CURRENT JOB_, with your
_CURRENT INCOME_ to get completely debt free in just a few short
years.
Now, if I were you, I’d be wondering,
IS TOTAL DEBT FREEDOM ON _MY_ INCOME REALLY _POSSIBLE_?
WILL IT WORK FOR ME?
And you’d be right to ask those questions. I was skeptical too
when I first heard about it. I wouldn’t have believed it either if I
hadn’t seen it with my own two eyes. But as soon as I understood how
the system works, and then I plugged my own debt balances into the
worksheet, I knew. Absolutely! IT _DOES _WORK. It’s based on a
mathematical formula - it works for everyone. It _MUST_ work - math
doesn’t lie!
_"(Your course) was encouraging in every way and instilled so much
hope - it cleared up so many misconceptions regarding finances....
Thank you!" __ L. Edwards, PA___
The Breaking Free From DEBT system does NOT include:
Restructuring or consolidating loans
Filing bankruptcy
Credit counseling
Negotiating with creditors for lower payoffs or lower interest rates
Increasing your income
Finding a way to wiggle out of paying your debts
Robbing a bank
Anything illegal or immoral
The Breaking Free From DEBT system will make it possible for you to:
Use your current income to pay off all your debts
Pay off all credit cards and car loans in 2 years or less
Pay off your mortgage in an additional 3-5 years, making you totally
debt free in about 7 years.
Have total control over your debt-elimination plan. Pay off your
debts as fast or as slow as you want to.
Take the money that you use to waste on debt payments and instead,
invest that money for a million dollar retirement
__Accomplish all of this with your current income, even if your
income is only “average”!
"As a mortgage consultant and investment advisor I must say this
system is 100% right on. It will not make your broker happy. It will
free you from financial enslavement. The logic, principles, and
numbers don't lie." _ALEX SPERRAZZA, BEAR CREEK, PA___
Let me tell you the true story
of what actually happened to me.
Hello. Let me introduce myself. My name is Bill Keller, and I’m
just an average sort of guy - just like you. My wife and I together
earned a very average $50,000 a year. We had debts. Sure we had debts
- everyone has debts, don’t they? We had no trouble making the
required minimum payments on all of our credit cards. We were doing
okay. We were happy. We would use a credit card, then pay it down a
little bit (though we never actually paid one off), then charge it up
again. I’m sure you know what I’m talking about. The constant pay
down - charge up cycle was masking from me what was really happening.
BUT THEN ONE DAY I GOT THE SHOCK OF MY LIFE!
You see, I had one card that I had not used in over a year. One
month, when I was making the payment on that particular card, I
actually stopped and looked at the statement. That’s when I got the
shock of my life.
I HAD BEEN PAYING ON THIS CREDIT CARD FOR OVER A YEAR WITHOUT
PUTTING ANY MORE CHARGES ON IT. I EXPECTED THAT THE BALANCE WOULD BE
SHRINKING CONSIDERABLY - _BUT IT HAD HARDLY MOVED!___
That’s when I started to pay attention to what was happening with
all of my debts. I looked at my monthly expenses (for the first time).
When I added it all up, I discovered that I had slowly amassed about
$35,000 in credit card debt! And I discovered that a _HUGE_ portion of
my monthly income was going to debt maintenance, BUT I WASN’T
GETTING _ANYWHERE_ WITH PAYING ANY OF THEM OFF! (I call it debt
maintenance because my debts were not being paid off - they were just
being “maintained.”)
Suddenly, I realized that I was stuck in a trap, and I didn’t know
what to do about it. I had no way to pay off all these credit cards. I
was in bondage to debt. And that made me a slave to my job. I kept
close watch on my situation, but it continued to get worse, rather
than better. You see, I was self-employed, so the _TIMING_ of my
income was not always consistent like a paycheck would have been.
Sometimes, I’d get two paychecks in one week; sometimes, I’d go
three or four weeks without a paycheck. Sometimes I didn’t have
enough money to pay all the bills and still buy gas to get to work. So
I would pay the bills, then charge the gas. What else could I do? I
had to get to work, didn’t I? Or I wouldn’t be able to pay any
bills at all!
Then my wife and I moved from southwestern Virginia to northeastern
Pennsylvania. Our housing expense went up a little bit, and our income
faltered for a few months until we got re-established (I was a
self-employed residential contractor, and my wife was a self-employed
piano and voice teacher. It took time for both of us to build a new
clientle.) Suddenly, we couldn’t make our debt payments for a few
months, and we were in trouble. We re-established our incomes within a
few months, but by then we were far enough behind that we couldn’t
catch up.
I DIDN’T KNOW WHAT TO DO!
Then a friend of mine sat down with me and showed me what I could do
to get out of debt - completely. Including the mortgage on the new
house that I had just built.
I WAS STUNNED. IT WAS SO SIMPLE, I WAS AMAZED!
I was already spending money on paying the bills every month. He
just showed me how to use that SAME MONEY in a MORE EFFICIENT MANNER
to get my debts paid off in just a few short years.
After we did the simple calculations that he showed me, we
determined that I could be completely debt free - including my new
mortgage - in about 8 years and 2 months. (The average person can do
it in about 7 years. My debt elimination plan took a little longer
because I had a higher than average debt-to-income ratio because my
income dropped a little after our move to PA.)
I WAS EXCITED! I HAD A PLAN.
I could finally see a way out. My wife and I diligently applied our
new debt elimination plan and we found that, just as promised, we paid
off all of our credit cards in about two and a half years. Then we
started working on our mortgage.
Soon, we’ll have our mortgage
polished off as well.
But it gets even better. My friend showed me how that after I’m
totally debt free, I can take all the money I used to be wasting on
debt payments, and _INVEST_ that money instead, without affecting my
standard of living at all. (After all, I’m already spending that
money right now - on debt payments. Why not invest it instead?)
Think about this for a minute. Add up all the debt payments that
you’re making right now. Credit cards, car loans, mortgage,
education loans. For most people, that comes to about $2,000 - 3,000
per month. What if you could invest $2,000 - 3,000 per month because
you had no debt payments?
My friend showed me that by doing this, I could retire with an
investment portfolio worth _$1,732,527_! And those investments would
pay me _$14,298 PER MONTH_ in income without ever touching the
principal!
I REALIZED THAT I WOULD CONTINUE TO WORK, NOT BECAUSE I _HAD_ TO,
BUT BECAUSE I _WANTED_ TO! And this could be done with my _CURRENT
INCOME_!
Are these results possible for everyone? Yes - ABSOLUTLEY! Remember,
I told you at the beginning that it is based on a mathematical
formula. (Don’t worry, you don’t need to do any advanced math to
do this. Just simple addition and division with a calculator is all
you need.) This works for everyone because the credit industry works
on ratios. They will only allow you to have a certain percentage of
your income going toward debt payments. If you get too overextended -
if your debt-to-income ratio gets too high - they won’t give you any
more credit. The higher your income, the more credit that will be
extended to you. But it’s always within the same ratios - the amount
of your debt to the amount of your income. So, based on this
debt-to-income ratio that the credit industry uses, _YOU WILL HAVE
ENOUGH MONEY TO MAKE THE BREAKING FREE FROM DEBT SYSTEM WORK FOR YOU.
___
The FTC does not allow business opportunities to make any claims
about how much money you will make if you join a biz-op. This is not a
biz-op. This is a debt-elimination program based on your current
income. Since it’s based on a mathematical formula, it’s
guaranteed to work. IT _WILL_ WORK - FOR EVERYONE - EVERY TIME - _IF_
YOU STICK TO THE PROGRAM.
_IT HAS TO WORK - MATH DOESN’T LIE!___
(The only exception to this would be if your debt was based on a
high income, and then you have recently lost that income. Your
debt-to-income ratio might be too high for this system to work without
a more aggressive approach - like negotiating with creditors for lower
payments and lower interest.)
Now, I have to admit something here. I just said that the Breaking
Free From DEBT system will work if you stick to it. Well, I didn’t
stick to it. I WORKED THE SYSTEM DILIGENTLY FOR ABOUT TWO YEARS, AND I
DID PAY OFF ALL MY CREDIT CARDS! That in itself was amazing. But then
I discovered that, since I had paid off all those credit cards and no
longer had to pay all those bills every month, I had a lot of extra
money floating around! I started to enjoy having all this extra money
in my monthly budget - and I started spending it instead of sticking
with the system and paying off my mortgage.
I know... it was DUMB! If I had stayed with the program, my mortgage
would now be paid off, and I would have even that much _MORE_ extra
money hanging around in my monthly budget.
It took about two years - wasted years as far as my goal of debt
elimination - before I realized that I had gotten off track. So I
redoubled my efforts, got back on the plan, and now my mortgage payoff
is progressing nicely! It won’t be long now until I reach my goal.
I’LL BE TOTALLY DEBT FREE!
THIS SYSTEM WORKED SO WELL, I WANTED TO TELL OTHERS!
After I got back on track and realized how quickly I’ll be out of
debt, I wanted to tell some of my friends about it. I had many friends
at church who I knew where in debt. Some of them played in the worship
band with me (I sing and play guitar, bass guitar, and trombone). It
was an overwhelming job to think about trying to show each one
individually, so I went to my pastor and asked if I could teach a Debt
Elimination class. Not only did he say yes, he was the first one to
sign up! It was advertised in the church bulletin and from the pulpit.
Sixty four people came to that first class. I was overwhelmed with the
response!
"I have attended a Breaking Free From DEBT seminar conducted by Bill
Keller. Without hesitation I can heartily endorse this seminar. I
found the material to be Biblical, practical and balanced. Many of our
parishioners were greatly helped by the presentation. I believe it can
be a blessing to any church congregation."
"Bill Keller is a part of our church family, and we can recommend
him to you as a person of high integrity and exemplary Christian
character." _REV. JOHN PULEO, CHRISTIAN LIFE ASSEMBLY, STROUDSBURG,
PA___
This class was such a huge success
that I was asked to teach it again
for those who had missed it.
Then I started branching out, teaching it to other churches as the
word spread about my class. Every time I taught it, I added a little
more material and it got a little better. Eventually, I found myself
teaching a six hour debt elimination/wealth building seminar, and also
doing personal debt elimination counseling with people afterwards.
There is a woman in our church who works at Consumer Credit
Counseling Services. She came to my first seminar to check me out. At
the end of the seminar she fully endorsed what I was teaching! (That
is not to say that I have an endorsement from Consumer Credit
Counseling Services. I don’t. But she is counselor at CCCS, and I
have her _PERSONAL_ endorsement.)
I think the thing I enjoy most about teaching these seminars is
watching the reactions of the people. They come into the room,
carrying a list of all their debts, and I see total despair on their
faces. THEY’RE DROWNING IN DEBT AND THEY SEE NO WAY OUT. But by the
end of the seminar, they have plugged their numbers into the Breaking
Free From DEBT system, and they KNOW that they will be out of debt in
five years, or seven years, or eight years and two months. They walk
out the door wearing huge smiles.
People enter my seminar full of despair,
and leave full of hope.
I love that!
"Again thanks for a great seminar! Honestly, you filled a big void
by providing some excellent direction on how to develop and implement
a feasible and workable plan for debt reduction in my personal
finances while giving me a greater sense of control... Thanks for the
assist and providing the impetus for determination and
steadfastness... "
_DON MORENO, NC___
Then people started asking me if there was anyway I could help their
relatives who lived in another state. Well, this system is pretty easy
to understand and follow, but I couldn’t quite see myself teaching
the seminar over the phone - especially not one-on-one. I just don’t
have that much time in the day.
That’s when I started thinking.
Why not develop a home study course?
I already had all the material I needed, right there in my seminar
notes. It would just be a matter of putting it down in a different
format. I already KNEW that it worked. I had many personal testimonies
from my seminar attendees. And these weren’t people that I just saw
once at a seminar and then never had to see them again. These were
church friends that I worshipped with week after week. If my system
didn’t work, I couldn’t hide from them. If it didn’t work, you
can bet I would be hearing from them about it. I NEVER HEARD ONE
NEGATIVE COMMENT FROM ANY OF THEM - EVER!
The neat thing was that, because I knew all of these people, and saw
them every week, I was able to keep tabs on them to find out how they
were doing. Unfortunately, not all of them stuck with the program. But
what I found out SEVERAL YEARS LATER was that
WITHOUT EXCEPTION,
every one of them that had stuck with the program WAS getting out of
debt, and they were EXCITED about it!
They were doing so well that I wanted the chance to tell _EVERYONE_
what I had learned about how to get out of bondage to debt because
being debt free is _LIFE CHANGING_! I realized that the best way to
help the _MOST_ people was to write that home study e-course I had
been thinking about.
That’s when I made my desicion,
and the Breaking Free From DEBT Home Study course was born.
I didn’t develop the system. My friend told me about it, remember.
And it’s been around for years, being used by people who really
understand personal finance... people who know that _USING DEBT WILL
DESTROY YOUR FINANCIAL FUTURE, MAKING IT IMPOSSIBLE TO BUILD WEALTH.
_I just organized the information into a home study course that’s
easy to understand and apply.
So now YOU can use the same system I did
to break YOUR bondage to debt.
How would you like to be totally free from debt. Think about it. If
you have no mortgage payment, no car payments, no credit card
payments, you’ll have so much extra money in your month... you
won’t know what to do with it all!
I saved $157,221 in interest,
and that was just on my mortgage.
That didn’t even count the interest that I saved when I paid off
all those high interest rate credit cards! And I did it using just my
_CURRENT INCOME_.
What would it be worth to you to
learn how _YOU_ can save $157,221?
Not only will you learn how to save hundreds of thousands on
interest expense, you will also learn how to invest the money you used
to waste on debt payments to PROVIDE A MILLION DOLLAR RETIREMENT.
But the Breaking Free From DEBT system isn’t really about getting
out of debt, or saving money, or building a million dollar retirement.
The Breaking Free From DEBT system is really about
PEACE OF MIND.
What would happen if for some reason you lost your job right now?
Like most of us, you would probably be frantic to find another one.
How would you live? How would you pay your mortgage... keep driving
the same cars... buy groceries?
Now consider what would happen if you were totally debt free. No
mortgage payment, no car payments, no credit card payments... nothing,
zilch, _nichts,_ _nada_! Your only living expenses would be groceries,
gas, utilities, insurance, and property taxes. YOU COULD GET A JOB
FLIPPING BURGERS AND DO JUST FINE, THANK YOU VERY MUCH!
YOUR LIFE WOULD BE RECESSION PROOF!
You could live on minimum wage, and NOT lose your house, or your
cars, or any of your stuff, because you own it all - free and clear.
NOW THAT’S PEACE OF MIND! And if you had been debt free for awhile,
and investing your old debt payments like the system shows you how to
do, you could live off of your investments without any _EARNED _income
at all.
IMAGINE... LIVING YOUR LIFE ON _YOUR TERMS_, NOT YOUR BOSS’S!
If I could reach through this computer screen and “shake you” to
make you realize how your life would change if you were totally debt
free, I would! But I can’t, so the choice is up to you. You can
continue to live your life as you have been, going to work everyday
just to pay the bills, or you can get yourself out of debt and set
yourself free from all that!
What’s it worth to you to
save $157,221 on your mortgage?
Even more importantly, what’s
it worth to you to have PEACE OF MIND?
What’s it worth to you to know that you are working at your job
because you _WANT_ to, _NOT BECAUSE YOU HAVE TO?___
_THE BREAKING FREE FROM DEBT SYSTEM IS AN EASY TO FOLLOW,
STEP-BY-STEP PLAN THAT COVERS EVERYTHING YOU NEED TO KNOW TO GET OUT
OF DEBT QUICKLY, AND THEN START BUILDING YOUR MILLION DOLLAR
RETIREMENT:___
* _CHAPTER 1 - WHY GET OUT OF DEBT?_
* Why 96% of Us Are Failing Financially.
* Why Everything You Buy on Credit Costs You Five Times More.
* Why Debt Makes You a Slave to Your Boss - and to Your Creditors.
* Why Using Debt Makes Retirement Impossible.
* _CHAPTER 2 - SO HOW DID WE GET HERE?_
* The Madison Avenue Lie: Using Credit Will Give You a Better
Lifestyle.
* Never considering The Total Cost
* Lack of Financial Education
* _CHAPTER 3 - THE PLAN_
* Stop Using Credit
* Get Completely Out of Debt - Including Your Mortgage
* Invest the Money You Used to Waste on Debt Payments to Build a
Million Dollar Retirement
* _CHAPTER 4 - THE SYSTEM_
* How to Get Out of Debt - including your mortgage - in Seven Years
or Less. Develop a Debt Elimination Plan That’s Personalized With
_YOUR_ Income and Debt Numbers. Know Exactly - to the Month - When
_YOU_ Will Be Totally Debt Free!
* _CHAPTER 5 - WHERE DO I GET THE MONEY?_
* How to take back control of your personal finances.
* How to Plug the Holes in Your Financial Bucket (Where All Your
Money Is Leaking Out).
* How To Use Your Current Paycheck More Efficiently.
* Dozens of Ways to Find the Money From Your Current Paycheck.
__
* _CHAPTER 6 - WHY SHOULD I PAY OFF MY MORTGAGE?_
* Why You Will Earn a _GUARANTEED AFTER-TAX RETURN-ON-INVESTMENT_
of 32.46% by Paying Off Your Mortgage.
* Why Paying Off Your Mortgage _FIRST_ Will Make It Possible For You
to Build A _LARGER_ Investment Portfolio - Considerably Larger!
* _CHAPTER 7 - WHAT ABOUT CONSOLIDATION LOANS?_
* What is the TRUE Cost of a Consolidation Loan?
* Why Most People Use a Consolidation Loan the Wrong Way (and the
damage it causes).
* When is Consolidating Your Debt a GOOD Thing?
* _CHAPTER 8 - I’M OUT OF DEBT! NOW WHAT?_
* Start Investing For a Million Dollar Retirement.
* What If You’re Too Close To Retirement To Get Completely Out Of
Debt?
* What If You’re Too Close To Retirement To Build a Retirement
Nest Egg?
* _CHAPTER 9 - HOW TO BUY A HOUSE FOR CASH._
* Don’t Keep Renting - Buy Your Own Home.
* Why It’s Possible For_ ANYONE _To Pay Cash For a House (and how
to do it).
* _APPENDIX -_ All of the required worksheets that will allow you
to:
* Plug in _YOUR_ Numbers and Finish With a Personalized
Debt-Elimination Plan That Will Tell You Exactly - To The Month -
_WHEN_ You Will Be Totally Debt Free, and H_OW_ to Get There!
* Calculate What Your Net Worth And Your Monthly Income Will Be
When You Retire Using the Breaking Free From DEBT system.
_"Everything (at the seminar) was excellent. Better than I could
have imagined!"_ _ R. JOHNSON, NY___
Now, I could play around with silly games and tell you that the
Breaking Free From DEBT system is worth
$4,995
$2,995
$995
(And it would be, because of the _HUNDREDS OF THOUSANDS OF DOLLARS
IT’LL SAVE YOU_,
and the _PEACE OF MIND_ it’ll bring.)
BUT I’LL JUST TELL YOU OUTRIGHT THAT THE ENTIRE SYSTEM IS ONLY
$47.
That’s right, you’re only $47 away from learning how to gain
total debt freedom! Think about the hundreds of thousands of dollars
you can save on your mortgage interest alone. Then think about the
peace of mind that will come from having a RECESSION PROOF life...
from knowing that even if you lose your job and never find another
one, no one can take away your home, or your cars, or any of your
other “stuff,”_ BECAUSE YOU OWN IT ALL - FREE AND CLEAR!___
For just $47, you could learn how to get yourself completely out of
debt and save hundreds of thousands of dollars, or you could take your
wife (or husband) out to dinner for one evening. The choice is yours.
60-DAY MONEY-BACK GUARANTEE!
The Breaking Free From DEBT system comes with a 100% 60-day money
back guarantee. If you go through the system and determine that it
does not deliver as promised - it does not show you how to get
completely out of debt using your current income - I will refund your
complete purchase price, no questions asked.
(NOTICE. Getting out of debt “IN SEVEN YEARS” is _NOT_
guaranteed. The _TIME_ involved to get out of debt _DEPENDS ON YOUR
PERSONAL FINANCIAL SITUATION. _It might take you five years... or ten
years._ _Seven years is just the _AVERAGE TIME_ for the _AVERAGE
AMERICAN FAMILY,_ and is not guaranteed. But the system _IS_
guaranteed to give you a personalized accelerated plan for debt
elimination, using just your current income.)
