The DebtClear Roadmap
*
WHO ELSE WANTS TO REDUCE THEIR DEBT BY 96% AND BECOME DEBT FREE?
You’re about to discover an industry secret that’s
going to completely level the playing field on credit
card debt forever. That’s right, we’re going to show you how to
ELIMINATE over 80% of your debt, Guaranteed!
From the desk of:
Michael Croix
President, DebtClear
Dear Friend,
I want to ask you a question that’s going to potentially change
your life forever. It’s not a question about earning unlimited
money, it’s not a question about losing 40 lbs on some weight loss
fad, no—it’s about getting real with your current situation, and
getting rid of your past mistakes forever.
How much credit card debt do you currently owe right now?
If you’re like most people, chances are—your answer is far too
much. That’s right, 95% of all people are currently in debt over
their heads right now, and don’t know where to turn.
The truth is…
You’re Not Alone In Your Debt Problems—It’s Not Your Fault!
You see, about 12 years ago I was sitting exactly where you are now.
I had run up $97,452.31 in personal credit card debt starting a
business—I had such high hopes for personal wealth and success, and
well—I watched it crumble before my own eyes…alone, broke and
defeated, the bills piled up, and I had no other choice, than to
default on my debt—and avoid what I owed.
I Was Alone. Devastated. Defeated.
And worse?
I was in DENIAL.
You see, I always had great credit. I had always paid my bills on
time. I never thought I would be in a situation where I couldn't pay
my bills. Yet there I was—within a matter of 2 years, completely
defeated.
I needed answers and I needed to know how to get out of the
enormous, smothering
hole that was ruining my life! I had no clue how to get started—but
I knew something
needed to be done.
Being good at research, I decided while I still had the power in my
home, I was going to learn as much as I possibly could about the
monster credit card companies, and what I could do to finally rid
myself of debt.
I learned about the various debt options, my rights and government
regulations regarding debts—the various pros and cons of the various
relief programs and what I could do about getting out of trouble.
I had to learn the hard way who I could trust, who I couldn't, and
which debt relief strategies really work. Trust me…not all debt
programs are created equally! One program would have actually cost me
over $5,000 in JUST administration costs.
So I decided to develop my own tactics and methods…by studying,
learning and developing a program that actually works. I was so
successful in fact; I settled $97,452.31 in credit card debt for only
$3,500 and repaired my credit to 807!
That's less than 4 cents on the dollar...
My own personal insight, experience, methods and madness have helped
make this the only debt relief program that can reduce your credit
card debt by over 80%, GUARANTEED!
What if You Could Finally Get The
Chance To Erase Your History and
Start Over?
According to CreditCards.com, the average household carries over
$15,956 in credit card debt—with a national default rate of 28.6%!
But what if you were no longer a statistic?
Imagine...
* Never having creditors call your house
* Never having to decide which bills to pay, and which to put off
for next month
* Never being threatened with seizure, foreclosure, lawsuits, or
worse…
* Never being embarrassed about your financial situation
* NEVER BEING A STATISTIC AGAIN
Well, THAT IS EXACTLY WHAT MY PROGRAM IF OFFERING YOU.
The chance to erase the past and start fresh—you know…brand new,
sparkling clean, forgotten and forgiven...
Introducing,
The DebtClear Roadmap
Click to verify
"This is something we can feel good about."
- Margaret Larson, host of New Day Northwest and former Today Show
news anchor and Dateline NBC reporter.
Not only will The DebtClear Roadmap teach you how to reduce your
credit card debt by over 80%, guaranteed, but it will also show you
how to LEGALLY STOP MAKING YOUR CREDIT CARD PAYMENTS and keep more
money in your pocket each month!
Yes, you read that correctly.
How much money do you pay towards your credit cards each month? WHAT
WOULD IT MEAN TO YOUR QUALITY OF LIFE IF YOU HAD THAT EXTRA MONEY TO
SPEND OR SAVE?
If you are one of those millions of Americans who are struggling to
make your minimum payments, the cost savings you will get from
following this program isn't just 80% of your credit card debt.
This program will save you many times that amount! Why???
BECAUSE OF THE POWER OF COMPOUND INTEREST. Let me paint a picture for
you...
Somewhere in America, the Smith household carries $9,000 in credit
card debt, at a rate of approximately 19%. Let's say the Smiths don't
make any more charges to their card (yeah, right) and make the minimum
payment of 2% of the outstanding balance until the account is paid in
full.
IT WILL TAKE THE SMITHS 81 YEARS AND 1 MONTH TO PAY OFF THE ACCOUNT,
AND THEY END UP PAYING $41,796 … FOR THE PRIVILEGE OF CHARGING THE
ORIGINAL $9,000!
The groceries, gas, clothes, and other items that were purchased on
the Smith's credit card cause them to pay 464% more than someone who
paid cash for those same items!
So How Much Will You Save?
Find out how much money you could save instantly by filling out the
box below. Oh, and you’ll find out how much interest you’ll pay in
interest too—when you make a minimum 2% payment.
Current debt
$
Interest rate
%
Compute
So ask yourself this simple question...
Would you rather pay over or pay less than , guaranteed?
What else could you be using that money for right now, if you
weren’t making those monthly payments?
Get Out of Debt Faster
Aside from filing bankruptcy, MY PROGRAM WILL GET YOU OUT OF DEBT
FASTER THAN A DEBT SETTLEMENT OR CREDIT COUNSELING PROGRAM, while
leaving more money in your pocket.
Why? Well let's look at these programs one at a time.
WITH CREDIT COUNSELING YOU WILL STILL BE PAYING BACK THE ENTIRE
BALANCE ON WHAT YOU OWE. The only thing you “save” is the interest
rate, and that’s ONLY if you stick to their payment schedule. But
credit counseling has strict schedules, long pay-off periods and
TERRIBLE penalties if you don’t pony up! In fact, you’re still
going to pay for the company's fees on top of the pricipal and
interest you are paying your creditors.
It is impossible to say how long it takes to complete a credit
counseling program, but it should be obvious that paying back ALL of
what you owe plus fees is going to take many, many years.
Debt settlement companies typically negotiate settlements between 40%
- 60%, but they charge as much as 18% of your debt in fees. Add to
these fees the tax liability on the amount they saved you in
settlement (it is considered income by the IRS) and a 50% settlement
can easily end up costing you 80% or more of what you originally owed.
Stop Being a Victim To Debt Settlement Companies!
Uncover Their Lies Now Before It’s Too Late!
You’ll receive an in-depth debt settlement tutorial that will teach
you how to settle your debts like a pro (even better than a
pro)—without paying the stiff fees! With the extra 18% in your
pocket, shouldn’t you settle now, instead of paying more money in
interest—you know, paying back money you never even borrowed in the
first place?
So you’re probably thinking—"That’s fine, I’ll just declare
Bankruptcy! Then it’s gone in a flash!"
Wrong.
Although Chapter 7 bankruptcy can get you out of debt fast (usually
as little at 3-6 months), it is a nuclear BOMB to your credit score
and remains on your credit report for 10 very long years.
In fact, most applications for credit, employment, etc. will ask if
you have ever filed for bankruptcy, so even if it has finally fallen
off your credit report, a bankruptcy will haunt you for the rest of
your life.
Furthermore, on October 17, 2005 the Bankruptcy Abuse Prevention and
Consumer Protection Act of 2005 went into effect making it much harder
to qualify for Chapter 7 bankruptcy.
Finally, even the simplest bankruptcies can cost several thousands of
dollars!
Isn’t It Time For The Honest Truth About Financial Freedom?
I started DebtClear in 2008 as a debt relief and credit repair
counseling company. However, so many of the people who contacted us
for help simply couldn't afford the traditional programs that we
offered.
Bankruptcy, as I just explained, can cost several thousands of
dollars and debt settlement companies charge hefty fees and usually
require lump sum payments for settlements.
I can't tell you how many times I heard, "If I had that kind of
money, I would still be paying my creditors!"
Rather than telling these folks, "Sorry we couldn't help you, good
luck." I instructed my sales team to give them some free information I
had put together to help them.
You can't imagine the stories I have heard over the years of spouses
dying, children getting sick, whole towns getting laid off...all kinds
of unfortunate circumstances happening to good people with the best
intentions.
REMEMBER, I WAS IN THE EXACT SAME SITUATION AS THEY WERE (AND YOU ARE
NOW) AND I REMEMBER HOW SCARY AND CONFUSING IT CAN BE.
Then I started to realize that traditional debt relief
options—aside from being expensive—were only pieces of a much
larger puzzle and didn't necessarily appreciate the complexity of
people's individual needs. That’s why The DebtClear Roadmap was
created—to help people just like you finally achieve financial
freedom from your debt forever.
Whether your accounts are current, or you are already in default, you
can use this program to figure out where you are on the roadmap, and
how to accelerate down the road to debt freedom.
Wall Street and the banks got bailed out. Don't you think you deserve
one too?
Why is This Program So Effective?
The reason my program is so effective is simple.
I understand the BUSINESS of debt collection and the LAWS that
regulate the debt collection industry. I lived it, travelled it, and
climbed it—much like you want to do right now!
By sharing these insights with you, I am turning the tables on them
and making it easier for you to get out of debt.
Think about it, debt collection is a business like any other and NO
BUSINESS IS GOING TO SPEND ITS LIMITED TIME AND RESOURCES CHASING
THEIR MOST DIFFICULT CLIENTS. IT'S SIMPLY BAD BUSINESS_._ In fact, I
was going to call this program _High-Hanging Fruit_ because that is
exactly what it does—turns you from low-hanging fruit into
high-hanging fruit for credit card companies and debt collectors.
Picture this...__
Pretend you are an apple on an apple tree and debt collection
companies are the harvesters. Have you ever seen apples harvested from
a commercial orchard? First they bring in huge tree shakers and shake
the tree—hard and fast. Shaking brings down most of the fruit. To
get some of what remains, the orchard might bring in people to pick
the low-hanging fruit.
But the high-hanging fruit that hung on tightly enough to withstand
the initial shaking, and is out of reach of the pickers, often gets
left on the tree.
Why?
THE TOUGH, HIGH-HANGING FRUIT IS TOO DIFFICULT AND EXPENSIVE TO
COLLECT.
The costs associated with paying someone to climb up into the upper
branches—the time, liability, manpower—are more than the apple can
be sold for. So the orchard “writes off” that fruit and focuses on
the easy fruit to pick.
Just like apple farms are in the business of making money, so too
are debt collectors. If you are high-hanging fruit—if you are too
difficult or expensive to collect on—they will just leave you there
and move on to the next tree. After all, there’s plenty of
low-hanging fruit on the next tree, so why waste time on you?
You Can Continue to Struggle or
You Could Finally Get Rid of Your Debt Forever
It’s not going to get any better…in fact, it is likely to get
much worse. Your principal and interest will continue to climb, the
threatening letters and phone calls will continue and a lawsuit and
judgment may be just around the corner.
If you don't know your rights, how to enforce those rights and how
the game is played...well...good luck!
Fortunately, you don't need luck because the DebtClear Roadmap will
work with anyone in any situation.
Whether you are current on your payments or years in default, this
program will teach you how to get out of debt, repair your credit,
protect your assets and fight creditor harassment and lawsuits.
It is THE most comprehensive, effective and affordable program out
there!
But I know you’re probably thinking...
Too Good To Be True?
We have all heard the saying, "If it sounds too good to be true, it
probably is." This is certainly true when it comes to the debt relief
industry. Unfortunately, this industry is filled with scams and con
artists who prey on people's fear and exploit their trust. They see
desperate people as dollar signs and will tell them whatever they want
to hear in order to make the sale.
I know because I met plenty of them along my own road to debt freedom
and have helped hundreds of people who have fallen victim to these con
artists.
Therefore, YOU ARE RIGHT TO BE SKEPTICAL, IF NOT DOWNRIGHT PARANOID!
Now, I realize that claiming my program can reduce your credit card
debt by over 80% sounds outlandish ... and that is why I back it up
with an equally outlandish guarantee.
IF YOU FOLLOW THE DEBTCLEAR ROADMAP START TO FINISH AND HAVEN’T
REDUCED YOUR DEBT BY AT LEAST 80%—I’LL REFUND YOU 500% OF YOUR
MONEY. THAT’S RIGHT, YOU’LL ACTUALLY MAKE MONEY IF IT DOESN’T
WORK!
... Not 100%
... 200%
... 300%
... 400%
But
Why 500???
Because I want you to know I am willing to put my own money on the
line and not just yours.
I tell people, "Either The DebtClear Roadmap is really as effective
as I claim, or I like to give money away...and I don't like giving
away money!"
We've Got All The Proof You Need
Unfortunately, the debt relief industry is a tainted market, and it
seems like every day there are thousands of eBooks on the subject.
However, not everyone can become an accredited business with the
Better Business Bureau. We are proud to offer you our A+ Rating earned
over the years—one satisfied client at a time.
Click to verify
But that’s not all! We’ve also been showcased on network
television—in fact, we’ve been recognized on NBCs New Day
Northwest as a Local Debt Expert.
(FORMER NEWS ANCHOR FOR THE TODAY SHOW, DATELINE NBC REPORTER AND
NBC NEWS FOREIGN CORRESPONDENT) in her interview of Michael Croix on
NBC's New Day Northwest.
After the show Margaret even Tweeted
and Facebooked about my live seminar to all of her fans. Thanks
Margaret!
And, of course, we have numerous testimonials from current and past
clients. Only their first names and state are used to respect their
anonymity. However, PER FEDERAL TRADE COMMISSION REQUIREMENTS THESE
ARE REAL TESTIMONIALS FROM REAL CUSTOMERS.
"I am writing to thank you for your program. When we thought we were
at the end of our existence, you came into our lives and changed them
forever.
Thanks to The DebtClear Roadmap, we were able to get rid of over
$120,000 in credit card debt. We are now and will always be indebted
to you.
Thank you for your life saving program".
-PAT, TEXAS
"I used the DebtClear Roadmap process and it saved me over $40K! It
works".
- JEFF, OREGON
"I was making minimum payments to my credit cards and hardly making a
dent. The DebtClear Roadmap saved me over $75K in credit card and
probably 3-4 times more than this if I would have continued making my
minimum monthly payments.
Thank you Michael for this easy to follow and VERY effective
program."
-MIKE IN WASHINGTON
"Mr. Croix, I just wanted to thank you for The DebtClear Roadmap. I
was so relieved after going through it that I was overwhelmed with
emotion. You gave me confidence that my wife and I will get through
this mess. I never in my wildest dreams would have ever imagined that
we would ever be in this situation. I was beginning to think that
nobody could help or even cared what happens to people like us. I have
learned that many of my friends, family and co-workers are
experiencing some type of financial difficulty in there lives as a
result of credit cards.
Again, thank you and may GOD BLESS YOU."
-HARRY, PENNSYLVANIA
"My financial life began to turn around and I am now back on the road
towards financial independence. I highly recommend The DebtClear
Roadmap to anyone who is seriously facing financial hardship due to
high credit card debt. I am happy to say I have had great results."
- PAULA, ALABAMA
"There are so many scams out there and one of the things that
convinced me to work with DebtClear was their A+ BBB rating. I used
the DebtClear Roadmap to get rid of over $30K in credit card debt.
Excellent program, well-researched and easy to understand and follow."
-CHUCK, MISSOURI
"Your program rocks! I used to be scared to answer my phone and now I
go 'violation fishing'. You transformed fear and uncertainty into
confidence and hope."
-DOUG, MICHIGAN
"I went from being overwhelmed and scared to answer the phone, to
confident in talking to my creditors from an informed position. The
DebtClear Roadmap helped me understand the bigger picture of debt
collection, and leverage the rights I never knew I had, to very
satisfactory results."
- DOLORES, CALIFORNIA
"You are my new god! After paying professional accountants, lawyers
etc, I have found more help in your book then the 15 years I've spent
on discovery. You have given me a reason to come in off the ledge and
for that I am grateful!"
-LINDA, WASHINGTON
"With the economic downturn I lost my job and went into serious debt.
I could see no way that I would ever be able to get myself out. The
DebtClear Roadmap taught me to begin clearing my debt - and has given
me an entire education about how the system works - and takes
advantage of people like me. I would recommend the program to anyone."
- REGINALD, WASHINGTON
The Truth About The Program
This isn't some untested, newly formulated, "theoretical" program. I
have blazed the trail for you—both personally and
professionally—and have fine-tuned every detail of this system over
the past decade into an easy-to-understand, easy-to-follow,
step-by-step program.
In fact, YOU WON'T BELIEVE HOW EASY IT IS ONCE YOU GET IT!
The DebtClear Roadmap is broken down into five learning modules: Debt
Relief, Credit Repair, Asset Protection, Creditor Lawsuits, and of
course, The Roadmap.
Here is just quick overview of what you can expect ...
* The hidden truth to debt collection and the insider secrets they
don’t want you to know
* HOW YOU CAN LEGALLY STOP MAKING YOUR CREDIT CARD PAYMENTS (and
keep more money in your pocket)
* A simple letter that can STOP those annoying creditor calls
* Trade secrets for settling your accounts for pennies on the dollar
* Federal laws that can get those creditors off your back, OR EVEN
MAKE THEM CANCEL YOUR DEBT!
* State laws that make your debt uncollectable
* How to handle creditor harassment...and turn it to your advantage
* Access to a nationwide network of attorneys the will represent you
on contingency (that means free to you!) if your rights are violated
* Tricks for removing almost any negative from your credit reports,
even bankruptcies
* Why it is essential to send dispute letters certified mail with
return receipt
* How to avoid the credit bureaus' automated "re-confirmation"
system
* Why YOU are the best person to repair your credit
* 15 credit building strategies
* A special trick that I developed (that's right, no one else knows
about it) to get collection accounts removed from your credit report
* How to use violations of the Fair Credit Reporting Act to force
credit bureaus to remove negative information
* A simple form that can protect your home from creditors
* What is meant by fraudulent conveyance...and how to avoid it!
* How to protect your bank accounts within minutes from creditors
* Why you and your partner should keep separate bank accounts
* How to prevent wage garnishment
* Why LLC's and Corporations make poor asset protection vehicles
* Why most creditors will never sue
* Why where you live can actually influence your chances of getting
sued
* Which creditors are likely to sue and why
* What to do if you are sued, and how to win
* Why you should NEVER ignore a lawsuit
* How to blow a hole in the creditor's bottom-line
* What "Discovery" is and how to use it to get your case dismissed
* Why creditors don't want to go to trial anymore than you do
* HOW TO GET JUDGMENTS LIFTED AND REMOVED FROM YOUR CREDIT REPORT
* Access to the only pre-paid legal program for debtors
* Your guide and compass to debt free living
* Ties together all the other sections in a deliberate,
step-by-step process
* FIND OUT WHERE YOU ARE ON THE ROADMAP AND YOUR SHORTEST ROUTE TO
DEBT FREEDOM
How Much Would 80% of Your Credit Card Debt Cost You?
Over $250,000 and 24 months of research went into the DebtClear
Roadmap. It contains the knowledge, insights, experience and education
needed to erase over 96% of my own credit card debt—and working for
over a decade in the debt relief and credit repair industries.
Over $250,000 and 24 months of research went into the DebtClear
Roadmap. It contains the knowledge, insights, experience and education
needed to erase over 96% of my own credit card debt—and working for
over
In fact, this is the same program I have charged fellow clients as
much as $1,295 for this exact same program and it is worth every penny
because in exchange you are getting my secret formula to canceling
your credit card debt.
At my live seminars I have charged as much as $349 per seat for a
full-day seminar
However, I realized there were a large portion of people that still
couldn’t afford the program—after all, how could they? They were
drowning in debt! That’s why I’ve decided to drastically reduce
the price of the program, so anyone who needs help can afford to get
out of debt.
Also, I have digitized all of my content, lowering my production and
delivery costs, and allowing you to GET INSTANT ACCESS to all of my
materials.
But before I reveal this steeply discounted price, l want to first
sweeten the deal with some incredible bonuses you'll receive with your
order today.
Free Bonus #1:
DebtClear Forum
Membership ($57
Value)
Along with your purchase today you will also receive a 3-month
membership to the DebtClear Forum .
The member forum is where you can chat openly and anonymously with
other DebtClear members AND MYSELF, get your questions answered and
get the help and support you need.
You'll also have access to our network of service providers
throughout the debt relief and credit repair industries that have been
personally vetted by me and represent the highest in professional and
ethical standards.
Free Bonus #2:
Debt Settlement
Tutorial ($149
Value)
For a limited time, along with your purchase today you will also
receive the Debt Settlement Tutorial I teach at my live seminars that
will teach you insider tricks and techniques to settle your accounts
for pennies on the dollar.
You will learn:
* The best time of the month to negotiate a settlement agreement
* How much to offer in settlement, and to whom
* Why you should NEVER make a "good faith" payment
* WHAT TO SAY, AND MORE IMPORTANTLY, WHAT NOT TO SAY DURING
NEGOTIATIONS
* How to dramatically increase your credit score as part of your
agreement
* How to minimize potential tax liabilities associated with
settlements
Free Bonus #3:
Fighting Back!
Using Debt
Collector
Violations to
Zero-Out Your
Accounts ($99
Value)
BECAUSE I WANT TO GET YOU OUT OF DEBT YOU'LL ALSO RECEIVE my special
report titled Fighting Back! Using Debt Collector Violations to
Zero-Out Your Accounts.
This special report is going to teach you about little-known federal
laws you can use today to back a creditor down, or even force them to
retire your account.
Here is just a taste of what's inside:
* A simple letter that can finally stop debt collectors in their
tracks
* How you can actually MAKE MONEY WHEN YOUR RIGHTS ARE VIOLATED
* Why you should always respond to a Dunning letter within the
required timeframe
* How to get free attorney representation
* Why violating your rights is simply "good business" for a debt
collector
* Income and assets that debt collectors can't touch
...THAT'S OVER $300 WORTH OF BONUSES IN ALL!
You Have Nothing To Lose and Everything To Gain
That’s right. I’m so confident that you’re going to absolutely,
100% love The DebtClear Roadmap, that I’m going to offer you a
60-day Satisfaction Guarantee.
If you aren't completely satisfied with The DebtClear Roadmap, for
any reason, I will refund your money, period.
All the risk has been taken off of you and been put squarely on my
shoulders so act NOW.
Get Your Copy Of The DebtClear Roadmap Home Study Course For Only $97
and Finally Change Your Life Forever!
*Your charge for The DebtClear Roadmap Home Study Course will be $97
and be available for instant download in MP3, MP4 and PDF file
formats. Program valid for U.S. residents only.
* The DebtClear Roadmap Live Seminar: Attend my full day seminar
from the comfort of your home, complete with workbook and PowerPoint
deck.
* The DebtClear Roadmap Audio Book: Perfect for the person on the
go! Listen while you’re sitting in traffic, working at the gym or
even walking the dog.
* The DebtClear Roadmap Ebook: An electronic version of the The
DebtClear Roadmap so you can reference the various charts, graphs,
letter templates, etc. referred to in the Audio Book and Live Seminar.
* Over $300 worth of bonuses listed above!
Sincerely,
Michael Croix
President
DebtClear (A+ BBB Rating)
michael@debtclear.com
Office: 206-528-5555
Fax: 206-452-5568
Address: 4306 3rd Ave NW, Seattle, WA 98107
P.S. Remember, you can purchase your copy of The DebtClear Roadmap
completely risk free with our 60-day, no-questions asked, money back
guarantee! You have nothing to lose and everything to gain, so what
are you waiting for?
P.P.S. You can finally say good-bye to money troubles and achieve the
financial freedom you so desperately crave today! There will never be
a more in-depth blueprint around—so get your copy before our prices
go up again!
- - Affiliate Program
© 2012 DebtClear. All rights reserved.
