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How To Become Debt Free!
"The Debt Relief Secret"


How long did it take the deeply in debt person who did nothing about it to get out of debt? Please wait for the automatic scroll to bring the answer up.
If it doesn't work within ten minutes scroll down for answer.

There is no automatic scroll - nothing happens unless you do something yourself!

If you don't do something about your debt you will never get out of debt! So do something - anything!

What happens if you simply do nothing? Well, maybe nothing. That is except your credit report will be shot and that may prevent you from getting a job, a new apartment and may cause you to pay higher insurance premiums. And then there’s the endless stream of collection letters and phone calls. But the fun doesn’t stop there. Depending upon a wide variety of factors including, where you live, who your creditors are and what their current policy is you may be sued. If a judgment is rendered against you, which it probably will be, you could have your wages garnished, your assets levied, or have a lien place against your property.

And most importantly if you don’t change your self, your behaviors, your habits, and your attitude towards money then even if your debt were to evaporate into thin air you’d do exactly what you’ve done before and you’d, wind up, you guessed it, in the same place you’re currently at. So doing nothing is not an option. Sorry, I’m going to make you change your life for the better.

A Word of Caution
There are a number of websites and emails that tout a program where you don't have to pay your bills at all. No, it doesn't work. Here's a detailed article about Credit Card Debt Termination Scams.

The Ultimate Solution
No matter which path you take the ultimate solution to debt is found by taking control of your life, and your money. Just figuring out where the money goes isn't enough. You must have internal control over your emotions, thoughts, and actions. By doing this you will gain the ultimate control that will allow you to build the life of your dreams.

The ultimate solution to debt lies in creating and living a debt-free and prosperous life. I invite you to start you inner journey to wealth by reading The Art of Prosperity.


If you would like to find out how a professional credit card debt negotiator can settle your debt for you and stop harrassing phone calls, then let Charles, our main man here at ihatedebt.com talk with you over the phone. There is no obligation and nothing to lose except 3 minutes of your time. I highly suggest that you see what your options are.



"Thank you for your help and resources. I had no idea how to handle my creditors until I found your website. Yes, there is light at the end of the tunnel!

(2nd Grade School Teacher, Washington)

"I appreciate your helpful information. We were able to work out a deal that is a win win situation for me and my debt collector's. Thank you so much.
Julie T.
(Receptionist, Texas)


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How To Become Debt Free!
"The Debt Relief Secret"

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Debt Calculator

See how long it will take for your debt to get paid off with one of these four options. We have listed a standard debt amount as a default on the debt calculator. You will need to enter your current personal or business debt amount below to see what your debt payoff amounts will reflect.

What's Best For You: Minimum Payments?

Debt Consolidation?

Credit Counseling? Debt Settlement?
Total Unsecured Debt $30,000.00 $30,000.00 $30,000.00 $30,000.00
Months To
Get Out Of Debt
430 60 60 36
Interest Rate 18.9 % 12 % 10-12% Ave None
Total Interest Paid $49,978.53 $10,040.01 $21,300.00 None
$900.00 $667.33 $855.00 $458.33
Total Cost
To Be Debt Free
$79,978.53 $40,040.01 $51,300.00 $16,500.00
Monthly Payments   Months To Get Out Of Debt   Total Cost To Be Debt Free
Minimum Payments Debt Consolidation Credit Counseling Debt Settlement
Enter Your Debt Information Here:
Your Total
Unsecured Debt:
Your Average
Interest Rate:
Months To
Be Debt Free:


PLEASE NOTE: This calculator gives you an estimate of how much it will cost you to get out of debt, how long it will take and how much your monthly payment may be with the different options to pay off your debt. Keep in mind "Minimum Payments" assumes you NEVER make any further purchases on your credit cards and the credit card companies NEVER raise the interest rate on your cards in the future from the rate calculated above. The "Debt Consolidation Loan" example is usually only possible when taking out an "equity line of credit" or "second mortgage", which involves securing your unsecured debt with your home. This is a very risky option for most people because the home could be foreclosed if you cannot make the payments.