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Hi, I'm Jesse Niesen. I'd like to give you Free Instant Access to my Debt Relief Guide Online to Be Debt Free ASAP. Inside you'll get a Debt Analysis, Budgeting Guide and the Financial Education Program "How To Be Debt Free ASAP" (Videos, Audios, Workbooks +more) to SAVE PILES OF CASH!
Here To Be An Asset To You,
Jesse Niesen
DebtGOTOGuy.com
Debt Relief Guide Online
888-928-DEBT(3328)
Give Me Instant Access Now! >>
PS - As a subscriber, you'll be able to ask any questions you have. For a limited time I'll answer your questions personally, in detail!
“I feel so much more relief now that my payments are cut down about 50% each month. It was so hard before I went into Freedom Debt because all of my income would just go to credit cards. Jesse explained everything to me properly and made me feel comfortable. Everything seems to be much better. I have extra money each month to support my baby as well.”
-- Angela, Massachusetts
Considering Debt Settlement? READ THIS Debt Settlement WARNING! before doing anything else...
Debt Free In 18 Months,
Credit Scores Jump 74-130 Points??
One case study revealed clients James and Anne of Laguna Hills, California, cut their $55,000.00+ of credit card debt down to just $29,817 (Total cost, including fees). In just 18 months after getting started, they were completely debt free with over $2,100.00 a month in CASH FLOW back in their pockets!
Perhaps even more liberating was checking their credit reports and scores shortly after graduation. James saw his credit score jumped 74 points while Anne's score jumped 130!!
Can You Imagine...
Going from a 520 score just before starting her debt relief program to a 650 immediately after graduating?
I'll also teach you how to rebuild and improve your credit score and credit worthiness after becoming debt free.
Learn "How Credit Works" inside the Debt Relief Guide Online!
To learn how your credit is affected by each option you have to "get out of debt", enter your first name and email, then click "Give Me Instant Access Now! >>"
"Hi Jesse, our Angel! Your words are so nice, thanks. It's so refreshing to work with you. You care about people, and you respect people and the hard times they may be going through. You are so good at what you do, and it shows through how much you enjoy helping people... Anyway, thanks again very much for your time and your professional and kind help."
-- Jodi, Colorado
Get a Free Debt Analysis in Step 1 of the Debt Relief Guide Online SEE All Your Options Side-By-Side (Your Actual Numbers), So You Can Compare Costs, Time Frames and Monthly Payments And Choose Your Best Option In Less Than One Minute! |
Get this Budgeting Guide in Step 2 as a subscriber to the Debt Relief Guide Online * All this and more available for a limited time at no cost. It's free! So hurry up and subscribe to the Debt Relief Guide Online now! because this won't be free much longer! |
Get the Audio Program "How To Get Out Of Debt" in Step 3 when you subscribe to the Debt Relief Guide Online. |
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“I was drowning in debt. I had so much and I couldn't afford to pay more than the minimum amount. I concluded that I would have to get used to paying off credit cards for the rest of my life. I had given up and didn't think I would ever see the surface. I wasn't depressed or upset I had just given up. My credit score was horrible! I didn't have money enough to pay off the debt. I couldn't do more than the minimum payments. My debt was spread out and I had been late and missed payments so they kept adding fees and charges and the interest rate kept going up and up and up. I saw Freedom Debt on Colorado and Company and called right away. I had a free debt analysis and signed up right away… I feel RELIEF to be able to see an end in sight! I have plans for buying a house and a new car when my debt is paid off so it's exciting to have goals. I'm satisfied.” -- Afor, Colorado
You'll also learn:
- Clever techniques to stop foreclosure and save your home, or even avoid bankruptcy to get out of and eliminate credit debt with the maximum reduction of amount owed and monthly payments.
- Why your current credit worthiness is affected, no matter what option you choose. Learn what will actually help credit vs. mistakes people make without financial debt counseling.
- The dangerous financial mistakes you’re probably already making that can sabotage (even ruin) your financial future forever, and how to fix these mistakes before it's too late!
- How to get relief if you're struggling with your mortgage (if your house is worth less than you owe, or you have an ARM adjusted or about to, and monthly payments are just too high to keep up with). My team of attorney's is 97% successful for 13 years reducing interest rates on first mortgages, reducing principle owed on seconds (to 20% of current balance, you save 80%), and completely wiping out third positions to cut monthly mortgage payments to a manageable level, so you can keep your house, save your home and avoid losing your home in foreclosure. (Spread the word!)
- How to choose the right solution, the right company, for the right reasons, the first time.
- Peace of mind because you'll learn what's BEST FOR YOU to get out of debt, ASAP!
(All inside this free debt relief guide, packed with tools, audio's, videos and special access to experts)
"I sleep like a baby now." -- Mary, Arizona
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* If you're shopping around for a Debt Settlement Company, this is a MUST read: >>> Debt Settlement WARNING 
 REMEMBER, You Can Get Instant Access To A Personalized Debt Analysis, Budgeting Guide & "How To Be Debt Free ASAP" Financial Education Program INSIDE the "Debt Relief Guide Online"
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Our Wildly Successful Track Record Is YOUR Gain
Our team has come together with one vision:
To help people across America attain Financial Freedom. 
We have two goals for you:
1) Get YOU debt free ASAP.
2) Save YOU as much money as possible!
I have a third goal for you as well:
3) Stop paying interest and start earning interest ASAP!
(The Big Idea)
Do YOU & I share these three goals for your future?
"The day, so far, is going well, thanks to you. The light at the end of the tunnel is already getting brighter." -- Bill, New York
As part of the Freedom Family of the Freedom Financial Network, founded in 2002 by friends and Stanford MBA Alumni Bradford Stroh and Andrew Houser, we've helped over 60,000 Clients with over $1,500,000,000.00 of unsecured debt.
Yes, OVER ONE AND A HALF BILLION DOLLLARS (With a "B")!
We're able to achieve industry leading results for you as an individual because representing so many clients with many millions of dollars, we have tremendous leverage with your creditors. (Benefits of being part of a winning TEAM!)
Leading the industry with an average settlement of 46% in 2008, we're saving our clients MILLIONS of dollars every month!
My clients also enjoy the personal attention, service and coaching I offer as an independent expert and professional, their personal advocate and "Go To Guy", plus the superior leverage having "the big boys" in our corner backing us up.
GUARANTEED DEBT REDUCTION:
You pay no service fees unless you save.
Discover how soon you can be debt free and just how much you can save inside!
"Hi Jesse, Thanks for keeping me posted, I really appreciate that knowing that someone is willing to help me through this challenge of my life!" -- Stephanie, Arizona
*** Debt Settlement WARNING! ***
+ Shopping around?
+ Getting quotes from different companies?
+ Filling out forms on the internet, looking for help?
Tempted by lower payments?
Don't be fooled...
DO YOU HAVE ACCOUNTS WITH ANY OF THESE CREDITORS:
Citibank, Discover or Bank of America? (Are you sure?)
JANUARY 2009 UPDATE: Target and Kohls have both become highly aggressive. Your program must account for the higher cost and possibility of lawsuits to be successful. Only work with professionals who require statements for quotes and pass the test below...
BUYER BEWARE:
If you receive quotes from anyone who does NOT ask you who your creditors are, you better RUN!!!!
With so many people in a financial hardship these days, many unscrupulous, untrained or ignorant people are jumping onto the debt settlement bandwagon... unfortunately this could mean big trouble for you!
Did you know Citibank, Discover and Bank of America are much more likely to file a lawsuit against you if you make the mistake of enrolling into a bad debt settlement program longer than 24-30 months? Or, in some cases, even if it's longer than 12 months? Most sales people will stretch out programs as long as possible to get your payments so low you can't refuse. Many debt settlement companies allow this as well. But WATCH OUT!! These companies won;t be around by the time your program is scheduled to finish, leaving you in financial jeopardy and no one to help you...
It all depends on how much debt you have with "aggressive creditors" like Citibank, Discover and Bank of America.
You may have accounts disguised as other creditors, but and are actually owned by these same nasty creditors, like...
* AT&T Universal (Citibank)
* Most gas cards (Exxon, BP, Citgo, Chevron... ALL Citibank)
* Sears (Citibank)
* Sometimes Lowes & Sams (Discover)
* FIA (Bank of America)
* Plus many more common names you might know all too well, but didn't know were ticking time bombs in your financial plan.
In fact, if you have too much debt with Citibank, Discover or Bank of America, then debt settlement MIGHT NOT WORK for you at all!
JANUARY 2009 UPDATE: Citibank has recently become much easier to deal with, settling accounts for much less than previous years and backing off on aggressive legal action. In fact, many creditors are softening, but not all. Still, I believe this is due to the economy. Creditors want something instead of nothing, ASAP. This is GOOD NEWS for you! These rough economic times are indeed the very best time for you to get out of debt for as little as possible, AS SOON AS POSSIBLE! A friend of mine recently had $75,000.00 of his personal credit card debt with bank of America settled for only 10% ($7,500.00).
Take advantage now if you've been affected by the economy and are struggling with serious debt. My elite team and I work independently of any service, solution or company. We work for you, as your trusted advisers and coaches to guide you through the process of achieving a GOAL we share together: YOU DEBT-FREE, ASAP!
Use my free Debt Relief Guide Online to make your most financially intelligent choice, then move forward with the help of trusted, proven experts specializing in the solution(s) YOU CHOOSE. OK? Ready? GO!
What if you enrolled in one of these debt settlement programs who DID NOT account for these "aggressive creditors" (like most debt settlement companies offer today)?
If you're like one of the many clients I've attempted to help when they came to me after dropping out of one of the many debt settlement programs like this, then you too would just get ripped off and left to deal with nasty creditors on your own. You'd be a year or two into a debt settlement program that was destined to fail from the start, with a LOT more debt, higher balances due to interest and fees piling up), a whole bunch of nothing for a lot of money paid in fees to an unresponsive debt settlement company with a long list of complaints... and your accounts will be too far gone for a legitimate debt settlement company to do anything for you that you could possibly afford. It usually takes a large LUMP SUM at that point, roughly 65% of your inflated total debt balances, to avoid bankruptcy or worse...
Watch out for the "smoke and mirrors" most debt settlement companies are trying to pull these days.
Watch out for high pressure sales people or slick-sters trying to sell you on the lowest monthly payment without even looking at your specific situation.
"Three Rules" ...Make That, "Four Rules" To AVOID Costly Debt Settlement MISTAKES:
RULE #1. Only get quotes from a debt settlement company who requires current account statements.
RULE #2. Only work with a debt settlement company who has been in business over 5 years. If 90% of businesses fail in the first five years, why would you ever trust your financial future with an unproven start up company? Stay away from start ups. Choose a company with a proven track record over time.
RULE #3. Only work with companies with a clean BBB Reliability Report (Few complaints, if any). Stay away from companies with a long list of consumer complaints... This is a sure sign they over promise and deliver poor results, probably getting their clients sued unnecessarily.
JANUARY 2009 UPDATE: Due to the many unscrupulous operators in the deb management industry mentioned above, the BBB has recently rescinded Membership for many debt management and debt settlement businesses in many areas of the country. It's a case of a few bad apples spoiling the barrel. Few parts of the country still allow membership to debt settlement companies. In addition to this, the BBB has issued "D" ratings to companies just for being in the debt settlement industry, even with no history of complaints or problems with consumers. There is currently no criteria recognized by the BBB to distinguish good companies from bad, other than the length of time in business and the number of complaints. Better Business Bureau Membership and Rating no longer have any meaning, look at time in business and amount of complaints.
* See Also: TASC Response to the BBB Position on Debt Settlement
FreedomDebt.com, for example, was an Accredited Member of the BBB until summer 2008 when the company's membership was rescinded because the industry the company is associated with in the state of Texas. This, we were assured, had nothing to do with company, it's performance or service to customers Maintaining a good reputation and trust with our clients since 2002, FreedomDebt.com has been regularly invited back to news programs and talk shows for live TV interviews all over the country. FreedomDebt.com (Debt Freedom, Inc.) services many thousands of clients nationwide, and still maintains an outstanding track record with the BBB (one single complaint in the company's entire seven year history in business). See FreedomDebt.com's Outstanding BBB Reliability Report
* The BBB's own credibility has come under mass-scrutiny. The BBB is not a government organization, but private entities who have amassed major influence over consumer buying decisions, but have become unfair and corrupt in their own business dealings. More here: ConsumerAffairs.com/news04/2009/01/bbb.html
RULE #4. Thanks to several gracious subscribers who brought it to my attention, here is an important fourth rule to avoid fly-by-night debt settlement companies: Only work with debt settlement companies who are members of TASC, The Association of Settlement Companies. TASC is the leading debt settlement industry organization, only allowing membership to companies with documented good practices and denying membership to companies with a history of complaints, unlike the other industry organizations. Steer clear of any company or sales person who attempts to enroll you into a program without covering everything included in the TASC Standard Disclosure. Only enroll into debt settlement programs offered by members of TASC.
* Rule #4 ONLY applies to non-attorney based debt settlement programs. Debt settlement lawyers and attorney based debt settlement programs are regulated by the Bar Association. Check with the Bar Association to do your due diligence on debt settlement lawyers or attorney based debt settlement programs.
Of course, receiving personal service and expert knowledge are also nice, especially in the sea of ignorance and desperation swarming the debt settlement industry these days.
Make No Mistake, Debt Settlement *may* be the Best Option FOR YOU, by far, if you're facing financial hardship...
...But *only* if it's a quality program that will work for you, in YOUR SPECIFIC SITUATION, and offered by a trusted representative of the small handful of reputable debt settlement companies.
REMEMBER: You can do debt settlement yourself. While there are many benefits to having a professional negotiator or debt settlement lawyers do it for you, there are also some great do it yourself debt settlement resources.
I've personally been in the debt settlement industry myself for over seven years. I've worked with most of the major players, watching bad companies come and go. SEEING THE NEED FOR THIS DEBT SETTLEMENT WARNING FIRST HAND not only inspired me to write this article, but has also driven me to spend the past two years developing and creating a financial education program to help people like you to make your best choice, and avoid these costly mistakes and the devastating consequences that follow.
Now I'm Giving Away Free Instant Access to my Debt Relief Guide Online, so you can make your best choice to be Debt Free ASAP. Inside you'll get a Debt Analysis (all other options, side-by-side, with your specific numbers), Budgeting Guide and "How To Be Debt Free ASAP" Financial Education Program (Videos, Audio's, Workbook, Expert Q&A and more) for you to SAVE BUNCHES of MONEY.
Get unbiased, instant advice, including accurate estimates for leading debt settlement programs that meet these strict but simple criteria, all inside!
Thank you for the opportunity to serve you!
Here To Be An Asset To You,
Jesse Niesen
DebtGOTOGuy.com
Debt Relief Guide Online
Thank you for spreading the word!
To get free instant access to the Debt Relief Guide Online - click here!
"Thanks for the update and especially the news about the debt being taken care of. The light at the end of the tunnel is actually shining now. Thanks again!" -- Lucille, Arkansas
Debt Settlement Letters from Actual Clients
During your debt settlement program, whenever we settle one of your accounts, we'll send you the actual debt settlement letter for your settled account from your creditor. You'll see what was owed, how much the unsecured debt account was settled for and how much money you saved. Click to see lots of examples with many creditors you y owe money to right now...
"I'm glad that two of my smaller accounts were settled for half of what I owed." -- John, Florida
Top Debt Settlement Examples
Expert negotiators work hard to save my clients money. Below are real life examples of some of the best settlement results negotiated for clients through February 2008...
| February-08 | |||
 |
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| Debt | Settlement | Percentage | Type | |
| $ 8,822.43 |
$1,411.00 |
15.99% |
line | |
| $18,950.34 |
$3,800.00 |
20.05% |
CC | |
| $12,903.30 |
$2,700.00 |
20.92% |
CC | |
| $ 1,563.90 |
$ 350.00 |
22.38% |
CC | |
| $ 5,770.41 |
$1,442.50 |
25.00% |
loan |
| January-08 | |||
|
|||
| Debt | Settlement | Percentage | Type | |
| $20,064.68 |
$3,010.00 |
15.00% |
CC | |
| $ 6,731.17 |
$1,010.00 |
15.00% |
loan | |
| $13,113.60 |
$1,968.00 |
15.01% |
CC | |
| $ 2,504.95 |
$ 500.00 |
19.96% |
loan | |
| $19,660.98 |
$3,933.00 |
20.00% |
CC |
| December-07 | |||
|
|||
| Debt | Settlement | Percentage | Type | |
| $35,164.18 |
$4,216.00 |
11.99% |
CC | |
| $24,757.06 |
$4,000.00 |
16.16% |
CC | |
| $ 2,778.11 |
$ 474.35 |
17.07% |
CC | |
| $ 6,962.11 |
$1,338.42 |
20.00% |
line | |
| $ 7,673.29 |
$1,534.66 |
20.00% |
loan |
| November-07 | |||
|
|||
| Debt | Settlement | Percentage | Type | |
| $15,000.00 |
$2,200.00 |
14.67% |
CC | |
| $ 6,675.95 |
$1,001.00 |
15.00% |
line | |
| $14,485.54 |
$2,200.00 |
15.19% |
CC | |
| $25,749.40 |
$4,700.00 |
18.25% |
CC | |
| $50,203.38 |
$9,801.00 |
19.52% |
CC |
| October-07 | |||
|
|||
| Debt | Settlement | Percentage | Type | |
| $ 32,346.91 |
$2,320.00 |
7.17% |
CC | |
| $18,863.37 |
$3,000.00 |
15.90% |
line | |
| $12,199.60 |
$1,830.00 |
15.00% |
CC | |
| $ 2,099.13 |
$ 418.00 |
19.90% |
loan | |
| $ 1,846.53 |
$ 370.00 |
20.04% |
loan |
| September-07 | |||
|
|||
| Debt | Settlement | Percentage | Type | |
| $ 1,010.05 |
$ 101.01 |
10.00% |
CC | |
| $10,242.63 |
$1,515.00 |
14.79% |
CC | |
| $50,005.39 |
$7,501.00 |
15.00% |
CC | |
| $24,422.01 |
$3,665.00 |
15.01% |
loan | |
| $18,353.56 |
$5,500.00 |
29.97% |
CC |
| August-07 | |||
|
|||
| Debt | Settlement | Percentage | Type | |
| $ 7,175.96 |
$1,435.19 |
20.00% |
CC | |
| $ 2,612.85 |
$ 655.00 |
25.07% |
Loan | |
| $18,504.40 |
$4,000.00 |
21.62% |
CC | |
| $28,986.74 |
$8,610.00 |
29.70% |
CC | |
| $11,274.29 |
$3,385.29 |
30.03% |
CC |
| July-07 | |||
|
|||
| Debt | Settlement | Percentage | Type | |
| $15,912.36 |
$2,400.00 |
15.08% |
CC | |
| $15,610.26 |
$3,000.00 |
19.22% |
CC | |
| $ 8,204.14 |
$1,641.00 |
20.00% |
Loan | |
| $ 8,267.84 |
$2,480.00 |
30.00% |
CC | |
| $47,274.37 |
$7,564.00 |
16.00% |
Loan |
| June-07 | |||
|
|||
| Debt | Settlement | Percentage | Type | |
| $7,243.16 |
$869.17 |
12.00% |
CC | |
| $9,810.70 |
$1,200.00 |
12.23% |
CC | |
| $6,134.78 |
$1,230.00 |
20.05% |
Loan | |
| $20,730.85 |
$4,2700.00 |
20.26% |
CC | |
| $26,636.96 |
$5,400.00 |
20.27% |
CC |
| May-07 | |||
|
|||
| Debt | Settlement | Percentage | Type | |
| $15,619.62 |
$2,492.95 |
15.96% |
CC | |
| $3,853.37 |
$771.00 |
20.01% |
Loan | |
| $17,417.37 |
$3,600.00 |
20.67% |
CC | |
| $647.00 |
$150.00 |
23.18% |
Loan | |
| $4,300.62 |
$1,502.00 |
34.93% |
Loan |
| April-07 | |||
|
|||
| Debt | Settlement | Percentage | Type | |
| $12,010.27 |
$2,041.74 |
17.00% |
CC | |
| $12,567.31 |
$3,180.00 |
25.30% |
Loan | |
| $12,872.26 |
$2,600.00 |
20.20% |
CC | |
| $11,312.02 |
$1,700.00 |
15.03% |
CC | |
| $9,296.38 |
$2,500.00 |
26.89% |
Loan |
| March-07 | |||
|
|||
| Debt | Settlement | Percentage | Type | |
| $18,009.61 |
$2,701.00 |
15.00% |
CC | |
| $1,368.00 |
$220.00 |
16.08% |
Retail | |
| $10,976.95 |
$2,100.00 |
19.13% |
CC | |
| $18,019.47 |
$5,405.84 |
25.00% |
Line | |
| $8,234.41 |
$2,058.60 |
30.00% |
Loan |
| February-07 | |||
|
|||
| Debt | Settlement | Percentage | Type | |
| $6,426.01 |
$1,200.00 |
18.67% |
CC | |
| $769.00 |
$0.00 |
0.00% |
Medical | |
| $5,670.45 |
$1,417.61 |
25.00% |
CC | |
| $2,582.48 |
$646.00 |
25.01% |
CC | |
| $4,043.13 |
$1,200.00 |
29.68% |
Loan |
| January-07 | |||
|
|||
| Debt | Settlement | Percentage | Type | |
| $15,231.45 |
$4,569.44 |
30.00% |
CC | |
| $9,964.00 |
$1,940.80 |
19.48% |
line | |
| $5,211.00 |
$1,175.32 |
22.55% |
CC | |
| $14,776.69 |
$3,400.00 |
23.01% |
CC | |
| $1,392.74 |
$418.00 |
30.01% |
Furniture |
| December-06 | |||
|
|||
| Debt | Settlement | Percentage | Type | |
| $4,435.33 |
$1,000.00 |
22.55% |
Loan | |
| $4,445.20 |
$779.00 |
17.52% |
CC | |
| $11,095.86 |
$3,328.00 |
29.99% |
CC | |
| $10,832.62 |
$4,000.00 |
36.93% |
Line | |
| $14,261.24 |
$5,704.50 |
40.00% |
CC |
| November-06 | |||
|
|||
| Debt | Settlement | Percentage | Type | |
| $12,772.85 |
$1,916.00 |
15.00% |
CC | |
| $14,642.65 |
$5,200.00 |
35.51% |
CC | |
| $15,703.15 |
$5,610.00 |
35.73% |
CC | |
| $10,218.97 |
$3,900.00 |
38.16% |
CC | |
| $13,240.00 |
$5,300.00 |
40.03% |
loan |
| October-06 | |||
|
|||
| Debt | Settlement | Percentage | Type | |
| $2,285.44 |
$500.00 |
21.88% |
loan | |
| $5,493.45 |
$1,373.26 |
25.00% |
loan | |
| $1,550.68 |
$400.00 |
25.80% |
loan | |
| $6,421.40 |
$1,926.42 |
30.00% |
CC | |
| $8,503.69 |
$2,320.00 |
27.28% |
CC |
| September-06 | |||
|
|||
| Debt | Settlement | Percentage | Type | |
| $12,102.04 |
$2,420.41 |
20.00% |
CC | |
| $4,177.00 |
$1,000.00 |
23.94% |
CC | |
| $13,800.60 |
$3,450.15 |
25.00% |
CC | |
| $4,881.52 |
$1,500.00 |
30.73% |
loan | |
| $8,418.23 |
$3,480.00 |
41.34% |
loan |
| August-06 | |||
|
|||
| Debt | Settlement | Percentage | Type | |
| $17,714.82 |
$2,125.77 |
12.00% |
CC | |
| $10,203.08 |
$1,555.00 |
15.24% |
CC | |
| $3,453.75 |
$690.75 |
20.00% |
CC | |
| $40,442.32 |
$10,062.34 |
24.88% |
CC | |
| $5,653.91 |
$1,500.00 |
26.53% |
CC |
| July-06 | |||
|
|||
| Debt | Settlement | Percentage | Type | |
| $4,417.57 |
$441.76 |
10.00% |
CC | |
| $18,746.22 |
$3,500.00 |
18.67% |
CC | |
| $21,283.67 |
$4,245.00 |
19.94% |
CC | |
| $2,237.00 |
$478.21 |
21.38% |
CC | |
| $9,241.41 |
$2,306.00 |
24.95% |
CC |
*These are historical settlements and do not guarantee future results.
Results like these go back to 2002, but I cut the list short because I think you get the idea ;-)
Praise From My Personal Clients
“We were financially strapped, with no flexibility at all. We were robbing Peter to pay Paul, and it was emotionally draining and very stressful on our marriage. We had already sold our big home and downsized to a more reasonable mortgage, but we were still struggling. Past financial decisions were still haunting us. We desperately need to change our thought process in how we were handling our finances. My sister told me about your program, she had watched Colorado & Co. on channel 9 and heard about what your program was designed to do. I went online, submitted my information, was contacted by Christina who then referred me to Jesse. My husband and I did an early evening telephone conference with Jesse, he explained what our credit history looked like to creditors, explained to us about the program and what it could do for us and then we proceeded with submitting our information to find out if we could get approved for the program. We were accepted and we started the process and have followed it religiously... we have realized how reckless our spending habits were, and have changed our outlook on the future. In 12 years of marriage my husband and I had our first cash only Christmas and it was great. No additional debt in January what a nice feeling.”
-- Barb, Colorado
“Dear Jesse, Sorry about the delay in my response to your email. In a nutshell your program is great and is working well for me so far. As you well know none of us enjoy being in debt. In my case simply put I was forced there by the greed of others. I soon hope to be in a position to begin saving more through a matching employment retirement account. Over all the New Year is going well for me. How about you and your children? If I hear of anyone needing your services I will for sure let you know. Peace and prosperity to You!!” -- Jeff R., Texas
“I was beside myself when I made the call to Freedom Debt. Unable to sleep, constant worry, and the harder I worked to pay my credit cards back, the behinder I got. I did try to work with my creditors on my own but since I have been with your company I have been getting messages on how much they can save me money if I call them back. When I first signed up with you I may have been impatient as I just wanted it all to go away. You all were so great and encouraging I felt guilty that I even thought I was alone. It was so comforting to get calls along the way from your service department asking if I needed anything. And when I did call with questions everyone I talked to was so kind. I'm still strapped for funds, but have changed my patterns and pay for anything I buy. If I don't have the money I get along without it. I've been doing a lot of home cooking and freeze the extra. I had forgotten what a good cook I am. So far I consider myself as still being in debt. I've depended on the plastic credit cards for so many years it is hard to budget myself and live within my limited means. Over all I am satisfied. All of the folks from Freedom Debt, that I have been in contact with, have been great. I was so down on myself and constantly worried and could not sleep. I sleep like a baby now. My personal goal is to add a little more money to my account. After I get through tax time and real estate taxes, my desire is to add at least an extra $100.00 a month…. One step at a time. It was so nice hearing from you. Good to know you are still in my corner.” -- Mary, Arizona
“I could not make any progress in paying off my debt. I was pretty lost and just treading water. When I contacted Jesse, I had some hope, but I know I am not out of the woods yet. If everything goes as well as explained, you WILL get plenty of referrals from me. Jesse explained everything in detail to me. He reviewed my situation, and I enrolled in the program. I have confidence in the program, and hope to be debt free next year. I have sacrificed a lot, but I know in the long run it is worth it. Credit cards are no longer part of my life and will never be part of my life in the future. Financially, I go from paycheck to paycheck, just making sure I have my monthly payment for my escrow account. I live a simple life now with the hope of getting my life back after my debts are cleared. I'm also going to therapy to deal with this. It's a good thing I have great insurance! Barriers are just living day to day on a fixed budget. The main challenge is self discipline and realizing life goes on without tangible items. I have learned a hard lesson. I'm glad that two of my smaller accounts were settled for half of what I owed.” -- John, Florida
"I greatly appreciate all your help so far." -- Thomas, Arizona
“We were falling behind. I borrowed from one card to pay another and it kept climbing. With the current economy, I'm kinda glad I don't have any credit cards or I would still be doing that! My attitude is mostly positive toward life, but at times, I get a bit depressed that others can go get a new car or fix their house. We got into this mess though and we are now trying to get out! My relationship with my husband was not the greatest as every time he got a paycheck it was gone. Now, I've become upfront with him and we both know exactly what comes in and goes out. Jesse was great. We weren't judged. We weren't talked down to like we didn't understand. He was on our level. One barrier was not seeing past one day. We never looked too far ahead. I was told already by a financial advisor to tear those cards up, but it only lasted about a month. What I didn't expect was the outstanding customer service. I'd love to gain your knowledge and work with Freedom Debt when this is over. Again, you have so far exceeded my expectations The only phone calls I ever received from the credit card companies was when I was late on a payment or they wanted to loan me more money. Your team calls just to check on us! This reassures us that things are going ok.” -- Regina, California
...The list goes on and on as clients shower me with gratitude, praise and genuine appreciation for being their trusted financial advisor and friend. I sleep very well at night because I help people every day to solve their money problems, which powerfully and positively affects ALL of the most important things in life. Let me help you too!