You're Just About To Discover How Much Money You Can Save
And How Soon You Can Be Debt Free... 1) Debt Analysis 2) Financial Education 3) Q&A4) Debt Solutions 5) Debt Free
Is it possible to do debt settlement on your own? It's like repairing your own car... while most people don't want to get their hands dirty, it's certainly possible to do it yourself. Due to repeated requests from many subscribers I wrote and published a step-by-step "do it yourself" guide, "How Can I Settle Credit Card Debt Myself?" However...
Debt settlement is by no means an exact science and it's difficult for an individual lacking experience to determine if a settlement is fair or not. In addition, you have to directly handle all creditors' calls and the harassment that come with the job. Many people are simply unable or uninterested in handling that kind of pressure, especially with the daily complexities of managing a job, household or family at the same time.
Hiring a professional debt settlement firm with a good reputation can no doubt save you more money, give you better advice and get you out of debt in a much less stressful manner, enabling you to move on with your life. The cost of professional debt settlement programs may easily be dwarfed by the additional savings you'll realize by "doing right" the first time.
Discover Now How Much You Can Save & How Quickly
You Can Be Debt Free with a Debt Settlement "Savings Quote"
Plus Complimentary Strategy Session with Jesse ($150/hr Value):
ACTUAL "50% AVERAGE SETTLEMENT" GUARANTEE:
(TAKEN DIRECTLY FROM ENROLLMENT PAPERWORK. I KNOW OF NO STRONGER DEBT SETTLEMENT GUARANTEE, ANYWHERE.)
Client's total debts included in this program will be settled at an overall average of 50% or less of their balances AT THE TIME OF SETTLEMENT when all settlement percentages are averaged together. Client understands that the balances owed on Client's accounts will likely be higher at the time of settlement due to increased interest and fees added by the creditors. (Very important – the guarantee is not based on cutting the client's debt in half based on the amount of money they owe; it is based on averaging the settlement percentages and achieving an overall rate of 50% or less of the accounts included in the guarantee.)
For example, and by way of illustration only, assume that a client's accounts are settled as set forth in the below table:
Account
Current Balance
Balance at Time of Settlement
Amount Settled For
Settlement % for That Account
Creditor 1
$5,000
$5,500
$3,500
64%
Creditor 2
$7,000
$8,000
$4,000
50%
Creditor 3
$8,000
$8,500
$3,000
35%
TOTALS
$20,000
$22,000.00
$10,500
149%
In this case, the total settlement percentage is 49%, which is obtained by dividing the total settlement percentage on all accounts (149%) by the number of accounts settled (3)
Excluded from this guarantee, and any calculations upon which this guarantee is based, are any accounts on which a lawsuit is filed, any accounts upon which Client elects to make a payment plan rather than waiting for a later opportunity to make a settlement, and any accounts that Client elects to settle despite Company's recommendation that a better settlement can be obtained later.
This guarantee is voided if:
Client elects not to make Settlement Deposits or fails to make the recommended Settlement Deposits;
Client fails to follow the instructions of the law firm;
Client cancels prior to having ALL of Client's accounts either settled, paid in full, or a payment arrangement made;
Client settles ANY creditor account on Client's own, without the permission of Company;
Client interferes in any way with a settlement being done by Company that jeopardizes the percentage and causes the creditor to raise the percentage of the settlement;
A non-qualifying debt is included in the plan.
If the final settlement percentage is over the 50% mark at the time of the final settlement, The Law Firm will pay the creditor the difference that is over and above 50% of the average and the Client will pay the portion that is 50%. If all accounts are already settled and the percentage is higher than 50%, The Law Firm will refund the money to Client for the difference that was paid to the creditor.
The law firm must approve every account under the guarantee with no exceptions. The potential client will be sent to the underwriting department for review and approval. The client must be told that there is a possibility that their fees will be adjusted accordingly based on their individual creditor accounts.
Here's a bunch of actual debt settlement letters from actual Clients, including most major creditors you probably have too...
During your debt settlement program, whenever we settle one of your accounts, we'll send you a "Good News Letter". These letters are accompanied by the actual settlement letter from your creditor. You'll see what was owed, how much the account was settled for and how much money you saved. Click to see plenty of examples with many creditors you may have accounts with...
Debt Free In 18 Months,
Credit Scores Jump 74-130 Points?
One case study revealed James and Anne of Laguna Hills, CA, cut their $55,000.00 of credit card debt down to just $29,817.
Only 18 months after getting started, they were debt free with over $2,100.00 a month in CASH FLOW back in their pockets!
Perhaps even more liberating was the fact that James saw his credit score jumped 74 points and Anne’s score jumped 130!!
Can You Imagine...
Going from a 520 score just before starting her debt relief program to 650 immediately after graduating?
More Real Testimonials
From My Personal Debt Settlement 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 Jesse's assistant Christina who set an appointment for me to consult with 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, 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 for help. Unable to sleep, constant worry, and the harder I worked to pay my credit cards back, the behinder I got. 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 your organization, 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 greatly appreciate all your help so far."
-- Thomas, 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. 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
"Hi Jesse, Thanks for keeping me posted, I really appreciate knowing someone is willing to help me through this challenge of my life!"
-- Stephanie, Arizona
"Once again...you come to the rescue! ...My parents & I are starting to feel like you are family!! ......you have done everything we could ever imagine and more for us already. Once again you have calmed my parents nerves!! They just told me how soothing you are for them. I wish I could convey to you how much that means to me. Thanks again, you're amazing!"
-- Melissa, New York
"Thank you so much for all your time and patience w/ us today and not making us feel like complete idiots."
-- Sherry, 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 your company 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
“Thank you very much… Thanks for all your kind words. It does help.”
-- Maureen, Florida
"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. You remind me of my Daddy. He was a hard working person that loved to help people. Anyway, thanks again very much for your time and your professional and kind help."
75% of the Forbes 400 (wealthiest people in the US) said the best way to build wealth is to become and stay debt-free.
TRUE SUCCESS STORIES:
“I waited a year to use Jesse's service and once I did it really made a difference. With the economy taking a turn the way it did my finances were in trouble. Jesse recommended that I use his services to take care of my financial situation and what to do in the future. I looked up on the BBB & his record was clean. Now that I am almost done paying off old debts I am working on improving my credit score that he has been helpful with. Not only has Jesse ensured integrity with his service but also used rapport to create a relationship... I recommend his services.”
Top qualities: Great Results, Expert, High Integrity
-- October 15, 2009, Steve Bajko, hired Jesse as a Financial Advisor in 2007
“After months of communication with Jesse, we made the decision to enlist his services to assist us with our financial planning for our future. Though we are just starting with the process, we are confident that we made the right decision to go with the services Jesse offered.”
Top qualities: Expert, On Time, High Integrity
-- December 11, 2008, Jim Mowry, hired Jesse as a Financial Advisor in 2008
"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 debt settlement 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
Angela only had a little over $8,000 in credit card and medical debt, but to her is felt like the weight of the world was on her shoulders and chest night and day. As a single mom she had it tough when she came to me for help, and then she took action and "got going". Angela is now debt free after completing her 24 month program and her whole life has changed!
"I was drowning in debt. I had so much and I couldn't afford to pay more then 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... 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 Jesse on TV 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
Afor had $17,193 of credit card debt and fell behind on his minimum payments of $517 a month, but then Afor TOOK ACTION! Now he just completed his 24th month in a 30 month program to wipe out all of his debt with monthly payments of only $386. He's been saving $131 a month for 24 months already, and that's made all the difference to him.
"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
Bill had just lost his home in foreclosure when he found me. We couldn't save his home, but we seriously fixed his financial situation... he had been through a rough divorce and lost his job. After all this, he was carrying $51,637 of high interest credit card debt, and couldn't figure out how to make minimum payments of $1,627 a month, so he fell behind and had thousands of dollars in past due amounts. Within a couple of days Bill was set, on track to be debt free in 30 months with payments of $1,180, something he could confidently afford that saved him $447 a month. Bill is almost completely out of debt now and about to graduate. No wonder things are looking bright for him.
Things got tough for Bill, so Bill got going...
REMINDER: You do NOT have to be behind on payments to enroll into debt settlement.
"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
Lucille and here husband had fallen behind due to the economy slowing and the loss of business and income. They had no idea what to do but were paying insane amounts of interest on $107,488.00 of credit card debt. Their monthly payments were a whopping $3,616 a month, nearly all of it going to interest! They've now finished their 36 month program, getting out of debt for only $2,847 a month (saving $769 a month) -- SAVING THEM MANY TENS of THOUSANDS of DOLLARS.
I would love to have you too as as a successful, debt free client, ASAP, but it's up to you!
