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alternatives to bankruptcy

collection co. violations

debt management plans

do's and dont's while getting a loan

Bi weekly mortgages

Debt Validation strategy to remove a debt

debt validation letter

11 mistakes when applying for a mortgage

remove a credit inquiry

how to cancel private mortgage insurance

home equity or mortgage loan traps

getting utility credit

9 dirty little secrets about credit cards

10 biggest blunders when buying a home

everything you need to know about reverse mortgages

protect yourself from loan fraud

credit and divorce

must do's for debt management plans

sample dispute letter to remove a collection

how to buy a home regardless of your credit

how to escape from financial prison

11 tips to save on your homeowners insurance

ten questions to ask your mortgage lender

Frequently asked questions about debt settlement

 

 



 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Settlement offers from some of the largest credit card issuers in the nation. We average over a 50% savings by negotiating!

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Recent articles by David Forer

A special confidential report for those “In Debt up to their Heads” ONLY:

  Desperate Mother and Father with 2 kids Get Screwed By the Credit Card Companies…And Fight Back with the New Shocking

 "Debts2Zero"

Debt Elimination Strategy….

 

Inside this special report: You will discover exactly what the “Debts2Zero” programs is and why hundreds of Wisconsin homeowners have started their path to debt freedom and how You can get yourself out of debt in the next seven years GUARANTEED!

 

From: 

David Forer

 

Dear Friend,

 

"They should’ve seen it, because each day they dressed themselves in clothes paid for by credit cards, sat in financed furniture, watched TV on a store card, walked on financed carpets in their over-mortgaged house, and drove a leased car.

 

But even when the companies they worked for cut their pay and they found themselves scrambling to keep from losing the house, cards, furniture, and their good name, they still didn’t see it.  Then a couple of months later, they were forced to sell their Cadillac Escalade, it finally hit them: they were prisoners of debt."

 

STOP BEING A PRISONER OF DEBT RIGHT NOW! I want you to discover how unbelievable it feels to wake up each morning knowing you own your car, house, and everything in it, and you don’t owe a penny to anyone.  You didn't just do a debt consolidation you did a debt elimination. No more credit card bills in the mailbox, no more debt collectors calling you, and no worries about your company downsizing.

 

The myth out there is that you need to find a second or third job, to make more money, to get out of debt.  Or you have to have garage sales, cut out all your fun, sell your train collection, never go out to eat, cancel your cable TV or gym membership and drive a 15-year-old car. This is just not the case! I will promise to show you simple strategies with your current paycheck. If you can pay all your bills on time now, all you really have to do is change the way you pay your debts using the money you already make. 

 

Finally…You can pay off ALL your debts, including your mortgage, in less than 10 years…AND, the more debts you have, the better!!!

 

BEFORE you can build up personal wealth you must eliminate your debts. You can’t get out of debt because the credit card companies don’t want you to. That’s right—they just won’t let you!! They’ve got a slick system that keeps you in debt until you’re old and gray (I know from personal experience).  It’s great for them as they make billions of dollars, but bad for you to keep paying them the high interest rates.  Minimum payments, late charges, overlimit fees, interest rate increases for no reason. I am sure we could list many more evils. Well, I’ve put together a very unique debt elimination system (not consolidation; elimination). It truly doesn’t matter how much money you make right now, or how much debt you have.  My "Debts2Zero" system doesn’t consolidate your debt, it eliminates it.  Before you even consider a debt consolidation loan, you need to talk with me or get my free report which shows my "Debts2Zero" system.

 

If you are like most Americans,  you have probably painted yourself into a financial corner with a 30 year mortgage (probably an adjustable rate), student loans, 2 car loans, multiple credit cards at high interest rates, possibly a second or third mortgage, or worse yet a debt consolidation loan.

 

You are likely living from paycheck to paycheck and "borrowing" many of the clothes and toys you just “have to have” by charging them with a credit card.  If you truly look into the mirror, all you see is that you are actually owned by these material objects! What’s even more discouraging is that you will never get out of this quagmire in time to enjoy life if you ever get out at all.

 

You have the choice right now to cut through all the hype and start operating on powerhouse financial concepts that will put you closer to debt freedom each month.

 

It’s up to you…

 

Do you want debt freedom? Not just money, but complete freedom to spend your time doing what you love? If you do not want to be chained to your job, then now is the time to act.  Being free of debt can help give you that freedom to do the things that are most important.  Imagine how much money you’d have in your pocket each month when you don’t have any bills by eliminating debt. It adds up fast…

 

Keep reading to learn how you won’t have to pinch pennies, get a second job or cut back your spending in any way—and still become debt-free! 

 

95% of Americans live in debt.

 

·        Over 70% of all marriages that end in divorce are due to financial problems.

·        75% of all Americans are THREE paychecks away from bankruptcy.

·        Of those Americans, 105 million will file bankruptcy; 1.5 million will participate in consumer credit counseling; and 37 million will TRY TO NEGOTIATE WITH CREDITORS THEMSELVES - which the creditors love, because the people in debt trouble are not professionals and do not know how the system really works.

·        On average, when you buy something with a credit card, you pay 132% MORE THAN IF YOU USED CASH.

·        Typical minimum monthly payment for a credit card is divided into 90% interest and only 10% to principal reductions. The principal amount on your credit card is what the product or service you bought cost you.

·        Over 71% of all credit card accounts have only the minimum monthly payments being made by consumers.

 

Less than 5 % of Americans actually retire financially independent.  In our society everyone looks up to those that retire financially secure but it is very rare when someone can walk away from income and still live the good life.  I want to show you the first step in getting to those lofty expectations which is a step by step process for eliminating your debt. It isn't about just investing, it is about proper use of your money! Here are the proper steps you must take to eliminate your debt, then become financially independant.

Step One:

1.   Please take out a piece of paper and list all the burdens of debt:

Typical items listed here are things like “un-needed stress” and “financial insecurity” or “I have to stay at a job that I hate” or “my wife has to work instead of being home with the kids”.  Whatever your debt burdens, take a moment and list them all.

  

 

Burdens caused by my debt:

1.   public embarrassment (declined card)

2.   no retirement set up but SSI

3.   much higher chance of divorce

4.   un-needed stress in my life

5.   loss of my freedoms

6.   plummeting credit scores

7.   can't miss a day of work

8.   no savings for emergencies

9.   living check to check

10. no investment portfolio

11. loss of sleep

12. 30 or more years of this!

 

Step Two:

2.  Take out another piece of paper and list all the benefits of being completely debt free:

Typical items listed here are things like “more free time to spend with family” and “financial security” or “I can more easily make a career change” or “I own my home and everything in it”.  Take a moment and list all the benefits of being out of debt.

 

Benefits of being debt free:

1.   peace of mind

2.   retirement security

3.   better marital relationship

4.   better health and lifestyle

5.   more free time

6.   emergency supply lasts longer

7.   strengthened self-confidence

8.   extra money goes towards savings

9.   less dependent on specific career

10. more money to investment

11. I own my house and everything in it

12. more time with kids

 

 

Step Three:

3.  You should not pay back your debts at 100%

Another big key is you do not want to have to pay the full balance. If at all possible the best thing to do is to have to pay only .50 cents on the dollar instead of paying it all. Is that possible? Yes, it is possible to negotiate with your creditors on the unsecured debts you currently have. I have personally settled thousands of dollars in credit card debt and saved my clients tons of money. Don’t believe me? Check out these settlement offers, on the left hand side, from some of the largest creditors in this country (just click the button to see the letters). Settlement offers can be anywhere from 25% to 80% of the original balance. It can be a huge savings and will take off years when trying to get out of debt. I take these credit bullies on every day to try and save my clients the most money I can.

 

Step Four:

4.  You must apply additional money to your monthly payments.

The average American household is in debt over 2 ½ times its annual income!

A typical $100,000 annual income household with $260,000 in total debt, including their mortgage, could be completely debt-free—owning their home, their cars and everything else in their lives in just 7 years, 5 months!

(The average family can pay off debts that are 2 ½ times their annual income in 7 years!)

How is this accomplished? By maintaining a balanced budget and applying  savy financial principles. It's no walk in the park but it is something  I have taught to hundreds of clients. Hard work, dedication, patience and follow through are required! Check it out.

 

Here’s an example:  $2,000 credit card balance; $50 min. payment; 18% interest rate. 

Applying an additional $50 a month to this debt pays it off in 24 months and you would save $1,985 in interest!  You would need to get a 49.5% equivalent rate of return on an investment in order to generate the same savings in 24 months with just a $50 a month investment.
If you applied $100 additional to the same debt, it would be paid off in 15 months and you would save $2,268. This is a 67.9% equivalent rate of return! Does your 401k get a return of 67%?

 

The example above shows you how powerful it is to overpay on your debts on a monthly basis. It is like putting  money away at  an average interest rate of over 65%. Can you show me an investment that generates that type of return? The key is coming up with the money needed to overpay on your bills. I will set you up so that you can overpay on your debts by hundreds of dollars every month. We will show you a proven strategy to overpay your debts and also get a larger tax refund.

 

Shocking Business Breakthrough Puts the “Little Guy”

Several Steps Ahead of the Multi-Billion Dollar Credit Card Companies:

 

Here is a listing of what you will learn from me when you hire me:

  1. Why saving money before paying off high interest debt may be costing you thousands of dollars every year
  2. Why paying high interest rate debt off first can be the slowest way to debt freedom
  3. Why overpaying on several debts is the worst thing to do to become debt free
  4. How to figure out exactly when you will become debt free
  5. Figure out where you are wasting your money
  6. Reduce your unsecured debt by approximately 50%
  7. Develop a budget to help you get out of debt
  8. Discover how to avoid bankruptcy and credit counseling

Warning--don't do any of the debt strategies listed below before calling me.

1.                  Pay back your debts at 100% of their balance

2.                  Take unsecured debt and secure it to your house at 100%

3.                  File a Bankruptcy-either chapter 7 or 13

4.                  Do a debt consolidation loan

5.                  Pay minimum payments on all your debts

6.                  Stop making your payments to your creditors

 

The first step starts right here right now! You need to download my

informational e book on credit secrets and debt help. This e book is

54 pages of content rich informational that will guide you through

the credit maze. When you do this it will automatically sign you

up for my biweekly credit newsletter. That newsletter keeps all my

clients up to date with whats happening in the credit industries.

You'll also get to take advantage of the following bonuses:

 

Bonus #1   Free initial consultation ( No upfront costs with my Debt reduction program)

Bonus #2   Free credit report diagnosis ( I'll sit down with you and explain the details of your credit report!)

Bonus #3   Free money saving reports (more than the 25 on the left and two new articles every week!)

Bonus #4   Free bi-weekly credit helping newsletter delivered to your e mail to start using A.S.A.P.

Bonus #5   Free conference calls on credit improvement with nationally renowned experts

 

Sincerely,

 

 

David Forer

Debt Solutions of WI, LLC

14260 West Greenfield Avenue, suite 202

Brookfield, WI 53005

262-641-5451

262-641-5457 fax

 

 

P.S. Are you still paying interest on gifts and stuff you bought over a year ago? Still paying for that expensive Birthday? Wonder if you’ll ever payoff that Television? Make sure next year at this time you will have paid off all those debts.

 

P.P.S.  Imagine your future as you want it to be without debt.  You can reach your dreams and achieve your goals much faster when you are not burdened by debt. 

 

 P.P.P.S.  Apply for help by clicking right here

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