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



Section 1
A Look at Debt
History of Debt
Credit Card History
Current State of Debt
How You Got Into Debt
Good Debt Bad Debt
Business vs. Personal Debt

The History of Debt in America
  Colinial Times - 1799
  1800 - 1849
  1850 - 1899
  1900 - 1949
  1950 - 1999

Section 2 Dealing With Your Money

The Two Step Plan
Doing The Two-Step
Step One
Step Two

The Paths Out of Debt
1- Create a Debt Payment Plan
2- Neogtiate Better Rates & Terms
a.Consolidation Loans
b.Consumer Credit Counseling Services
3- Negotiate Lump-Sum Settlements
4- Bankruptcy
5- The Easy Way
6- Win $1,000,000
Debt Termination Scam

The History of Debt Negotiation
The History of Bankruptcy

Living Debt-Free
Manage Your Money
Make More Money
Save Money
   6 Saving Tips When Moving
   Bank Like a Banker
Stay Debt-Free
You as a Business

Section 3 Dealing With Your Creditors

The Credit Industry
Credit Industry
The Fine Print
The Secondary Debt Market

The Debt Collection Process
Original Creditor
The Charge-Off
Collection Agency
Legal Problems
Dirty Creditor Tricks

Dealing with Debt Collectors
Dealing with Debt Collectors
Statute of Limitations
Cease and Desist Letter

The History of Debt Collection

Section 4
The Credit Report
The Credit Report
Credit Report Tips
Credit Score
Credit Repair
Credit Repair Scams
The History of the Credit Report
Credit and Your Career
D.C. Credit Services
Date of Last Activity
Date of Last Activity Letter
Section 5
Dealing With Yourself
The Critical Factor
The Art of Prosperity
The End of Failure

The Art of Prosperity
Lesson 1
  Page 2
  Page 3
  Page 4
  Page 5
  Page 6
  Page 7
Lesson 2
  Page 2
  Page 3
  Page 4
  Page 5
Lesson 3
  Page 2
  Page 3
  Page 4
  Page 5
Lesson 4
  Page 2
  Page 3
  Page 4
Lesson 5
  Page 2
  Page 3
  Page 4
  Page 5
  Page 6
Lesson 6
  Page 2
  Page 3

Section 6
Kids and Money
Kids and Money
How to Pay for College


Your Options For Debt Relief

The fastest way to Debt Relief is to contact a Debt Consultant Professional for advice... But, before you do, arm yourself with knowledge on how the Debt Settlement process works.

As William Alexander quotes, "Knowledge is Power". Empower yourself with Debt Relief knowledge so that you can make the very best decision on how to get out of Debt the best way possible. Sign up for our free "War On Debt" monthly Newsletter below and arm yourself with the knowledge to get you out of Debt and staying out of Debt for good. When you sign up for your free email subscription, you will receive our Report on "How To Become Debt Free Now" (worth $19.99 in the stores, but Free for you because it will be delivered digitally to your email address).




"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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Learn How To

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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.