|
Reduce Your
Credit Card Debt By Over 80%, Guaranteed!
 Michael
Croix Reveals Little Known Laws and Industry Trade Secrets
Would you like to...
Well, read on to find out exactly how Michael Croix, President of DebtClear and author of The DebtClear Roadmap canceled over 96% of his credit card debt with his secret formula for debt relief.
I Know What Your Are
Going Through
I am not just another president of a debt relief company. 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 and when that business failed, I had no choice but to default on my debt. And I was devastated... 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 ... broke, ashamed, scared, drowning in information, starving for answers and didn't know what to do or who to trust. I had always been good at research (and they hadn't shut off my power yet!) so I rolled up my sleeves, hopped on the internet, and started learning everything I possibly could about my options, my rights and the pros and cons of the various programs out there. I had to learn the hard way who I could trust, who I couldn't, and which debt relief strategies really work. Through a few hard knocks, and by combining the best of the various programs out there, I was able to settle $97,452.31 in credit card debt for only $3,500 and repair my credit to 807! That's less than 4 cents on the dollar... My own experience — and the knowledge and insights gained by working with thousands of clients and hundreds of debt collectors over the past decade — are what make this program work!
What if You Could Start Over? According to CreditCards.com, the average credit card debt per household with credit cards is $15,956 and as of 2012 the national default rate was 28.6%! With over 95% of Americans in debt, you are certainly not alone.
... A fresh start ... A do-over.
Keep More Money in Your Pocket 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!
How Much Could You Save?
To find out how much money you can save, enter your approximate credit card debt and find out how long AND how much it would take you to pay off the balance paying a minimum payment of 2%.
So ask yourself this simple question... 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
100% of what you owe. Savings come in the form of interest
rate reductions (and only if you
stick to their payment schedule) and through the removal of late fees
and other penalties. Because of the strict payment schedule and long
pay-off periods, dropout rates from credit counseling programs are very
high (even the best estimates put attrition at over 75%)! In addition
to paying back 100% of what you owe you will also be paying the credit
counseling company fees. Because different people owe different amounts 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. Your order today actually comes with a debt settlement tutorial that will teach you how to settle your debts like a pro (even better than a pro). With that extra 18% in your pocket, doesn't it make sense that you should be able settle your accounts more quickly yourself because you will have more money to do so? Oh, and debt settlement companies are only legal in about two-thirds of the U.S. so hiring a debt settlement company may not even be an option for you. Lastly, 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!
Why I Created The DebtClear Roadmap 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. This free information was just an ebook answering some frequently asked questions and teaching people their basic rights and giving them a few tools ... and hopefully, some peace of mind. 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. Therefore, I took that original ebook and combined it with my own personal and professional experience to create The DebtClear Roadmap: a comprehensive, very effective and perhaps most importantly, an affordable program that anyone (including you!) can use. 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. 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? Too Good To Be True? We have all hear 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. I guarantee that if you follow my program from start to finish you will reduce your credit card debt by over 80%, or I will refund 500% of what you paid me! ... Not ... ... ... But
Why 500??? 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!"
Don't Take My Word For It Now I realize you may still be skeptical, and you should
be.
The debt relief industry is tainted by fraud and abuse and these days
anyone can put up a website and make all kinds of unsubstantiated
claims. However, what I can't fake is my accreditation
and A+ rating with the Better Business Bureau that has been earned over
the years, one satisfied client at a time.
Getting on network television is nearly impossible because even a simple mention of a company can be seen as an implied endorsement. In fact, I had to go through a very rigorous vetting process before being allowed on NBC's New Day Northwest as a local debt expert.
"This is something we can feel good about." - Margaret Larson (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!
What You Can Expect
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 ...
|
 |
 |
|
Are you like me and like to multi-task? Then our audio program is a good fit for you. Listen during your commute, or while working out at the gym. The audio program also comes with a digital version of The DebtClear Roadmap so you can reference the various charts, graphs, letter templates, etc. |
Perhaps you learn best in a classroom setting or watching TV? Then The DebtClear Roadmap Home Study Course is right for you. This package includes everything you get with the audio program PLUS a 6-month membership to the DebtClear Forum AND the presentation I give at my live seminars, complete with workbook and PowerPoint deck! |
  |
|
|
* Your charge for the audio program will be $149 and be available for download in MP3 and PDF file formats. Program valid for U.S. residents only. |
* Your charge for the home study course will be $197 and be available for download in MP3, MP4 and PDF file formats. Program valid for U.S. residents only. |
click for details
click to verify
click for details
P.S.
You wouldn't have read
this
far if you weren't serious about getting rid of your credit card debt.
Remember, I have taken all the risk off of you and put it squarely on
my shoulders with a 30-day, no-questions asked, iron-clad, 100%
satisfaction
guarantee.
P.P.S. Don't you owe it to yourself, your family and financial future to at least take a look at what this program has to offer? Try it then decide. If you do nothing, nothing will change. Seize this opportunity now and accelerate down the road to debt freedom.
P.P.P.S. I am not some fly-by-night operation. I have been successfully helping people get out of debt for the past decade, and my BBB A+ rating proves it.
P.P.P.P.S. Imagine the future you deserve — no credit card debt AND extra money to spend each month. No gimmicks. Just a time-tested, proven formula back up by the law.