“…Man never made any material as resilient as the human spirit.”
Bern Williams

Are you $25,000.00 or more in unsecured debt and don’t know what to do about it?

Can you only afford to make minimum payments on your credit cards?

Is your mortgage is a month behind, and your spouse just got laid off from the job?

Let’s face it. You have a serious problem. You didn’t get into this situation overnight and there is not a magic wand that will make your debt “go away” overnight. However, you have legal options that will give you some breathing room and distance from the collection calls and letters that will surely come.

“…My wife was in a car accident and has not been able to go back to work. All of a sudden there is only one income when there used to be two. We started using credit cards for necessities. We didn't know what else to do. This isn’t frivolous spending. You just buy groceries with the credit card, you get gas, and you basically do what you have to do to survive.”
Roger S
Sacramento, CA

Does that sound familiar? It is only one of the thousands of real life stories coming from the trenches of debt ravaged North America. There are millions of us out here living in credit card houses. We owe billions of dollars in credit card and other unsecured debt to the banks and credit card companies who are raking in the profits at our expense. Last year alone the credit card industry took in $43 billion just in credit card fees.

American families like yours and mine are struggling in an increasingly volatile economy. Our world is defined by job instability and continued layoffs under the guise of "downsizing". At the same time we’re waking up to realize that if we make the minimum payment of 4% on $25,000 credit card debt at 18% interest it will take 15 years and two months to pay it off. You will pay $13,900 in interest for a total payout of $38,900. Can you really ever get out of debt like this?

Your objective is to resolve your debt problems. Get our from under them. If it were an easy task, aside from writing a huge check to pay it off, then you would not need this program. Our methods have been tried and proven successful – but only if they are applied. Your time and effort expended will be worth it to you. Do not give up on yourself.

Throughout this book, we will be giving you legitimate tips that we know will serve you well and we will start right here in the introduction.

FREE TIP: IF YOU HAVE A CHECKING AND/OR SAVINGS ACCOUNT IN THE SAME BANK THAT ISSUED YOUR CREDIT CARDS, DO THE COMMON SENSE THING: MOVE YOUR MONEY TODAY.

While they may not legally be able to freeze your accounts, why give them the chance? They have been known to do so. If it happens, you may sue them to release the funds but being successful will be expensive and doubtful. Do the common sense thing and move the money to another institution.

That is just a little tidbit from our proprietary system for debt settlement and why it works. We will tell you what banks can and can’t do. We will disclose the nasty little secrets of banks, credit card companies, and bill collectors. If you find yourself in a debt spiral that is careening out of control, you will want to pay close attention to the information contained in this e-book. When you have