<h1><a href="http://hop.clickbank.net/?davzo/howtoget">How To Get Rid Of credit card debt</a></h1> <h1><a href="http://hop.clickbank.net/?davzo/howtoget">HowToGetRidOf... Eliminate credit card debt and clean your credit report without bankruptcy or attorneys.</a></h1> <h1><a href="http://hop.clickbank.net/?davzo/howtoget">bankruptcy, debt, consolidate debt, debt consolidation, consolidate, debt settlement, settlement, debt elimination, debt negotiation, get rid of debt, wipe out debt, cancel debt, eliminate credit, discharge debt, eradicate debt, blot out debt, cut out debt, erase debt, remove debt, discount debt, cut debt, do away with debt, debt solution, credit debt, credit report, clean credit report, update credit report.</a></h1> <h2><a href="http://hop.clickbank.net/?davzo/howtoget">Click Here forMembers Login</a></h2> <h2><a href="http://hop.clickbank.net/?davzo/howtoget">Click here toBecome an Affiliate</a></h2> <h2><a href="http://hop.clickbank.net/?davzo/howtoget">your</a></h2> <h2><a href="http://hop.clickbank.net/?davzo/howtoget">plus</a></h2> <h2><a href="http://hop.clickbank.net/?davzo/howtoget">and</a></h2> <h2><a href="http://hop.clickbank.net/?davzo/howtoget">Important:</a></h2> <h2><a href="http://hop.clickbank.net/?davzo/howtoget">Plus:</a></h2> <h2><a href="http://hop.clickbank.net/?davzo/howtoget">Membership Includes:</a></h2> <h2><a href="http://hop.clickbank.net/?davzo/howtoget">Continue: > ></a></h2> <h2><a href="http://hop.clickbank.net/?davzo/howtoget"></a></h2> <p><b>How To Get Rid Of credit card debt Click Here forMembers Login Click here toBecome an Affiliate Powered byaMember How To Get Rid OfCredit Card Debt No consolidation! No negotiation! No refinancing! No bankruptcy! No attorneys! Our remedy is found in Federal and State law. The Fair Debt Collection Practices Act and the Fair Debt Reporting Act as well as other legal processes. This is not a loophole in the law, it is the letter of the law. Uncle Sam wants to make you debt free! Why not accept his offer? It makes no difference whether you've been: Downsized... Laid off... Fired... If you have credit card debts piling up... Your creditors are harassing you... You are afraid to answer the phone... Or... If you have a good job but lots of credit card debt... You're banks keep raising your interest rate... You're just tired of making all of those monthly payments... You would just like to spend your hard earned money on something other than credit card payments... Our program will work for you! We can show you how to completely eliminate and walk away legally, lawfully, and ethically from all your credit card debt. No debt consolidation or negotiation - no refinancing - no bankruptcy or attorney fees - eliminate some or all of your credit card debt. Learn how to do what is best for your financial future, not the bank's. Action vs. Inaction Inaction: If you are having trouble paying your credit card bills or just tired of paying your credit card bills, you have to do something. To do nothing puts you at the mercy of the banks and their courts. If you do nothing the banks will harass you for money. At home and at work. If you do nothing the banks will then sell your account to a collection agency. If you do nothing the collection agency will harass you morning, noon, and night. At home and at work. They may even get you fired. If you do nothing the collection agency will file a collection suit against you. If you do nothing the court will find in favor of the collection agency. If you do nothing the collection agency will garnish your wages for the amount of the debt, plus attorney's fees. If you do nothing your employer may fire you. Not because of the garnishment, but for reasons completely unrelated... If you do nothing the banks and their minions are in control and you are at their mercy. This email was received on January 16, 2003: Can you also help if there was already a summary judgement against me from the court from one of my creditors and I was forced to make them 3 payments so far? Thanks, Dennis The answer? It's to late. If you do nothing, you loose! Action: Send the proper notices to the bank, they go away. Send the proper notices to the collection agency, they go away. Send the proper notices to the credit bureau and you may be able to clean up your credit report. Do the right thing at the right time and you can win! The right things to do... tested in the real world with real people for the past two years. No theories. Just practical, well tested information guiding you on your way to financial freedom. Why the process works... The process works for two very simple reasons. One, banks don't lend money or extend credit. Sounds hard to believe doesn't it. But, it's true. This fact will be proven, beyond any doubt, using the banks own documents, in our book... Two, you end your relationship with the bank with clean hands. Clean hands doctrine: Under this doctrine, equity will not grant relief to a party, who, as actor, seeks to set judicial machinery in motion and obtain some remedy, if such party in prior conduct has violated conscience or good faith or other equitable principle. Black's Sixth Edition, page 250. The bank isn't so lucky. Thier actions, actually non-action, violates conscience, good faith, and most equitable principles. This helps assure that the bank won't be able to come back a few years in the future and use the courts to help them steal your money. Phase One: The Book! You will learn: The facts about credit cards... Chapter Two The secret notice that stops banks cold... The promissory note they won't accept... The affidavit they won't sign... What the banks will do after receiving your notice... What you should do in response... How to handle collection agencies... Why the process works... Chapter Seven The moral aspect... Chapter Eight Suggested reading list... Chapter Nine The book is short but overflowing with practical information. You will be led step by step through the process. You will see and read all of the necessary notices. By the end you should understand how and why the process works. Everything you are taught has been tested in the real world with real people. No theories. Just practical, well tested information. Dear Jim Thanks for your program. I can finally answer the phone again without worry. If it happens to be a creditor, which it hasn't been for some time now, I just ask if they have complied with the law. If not, don't call again until you have. I never hear from them again. It is so nice to be back in control. Now, if you could just get rid of those annoying telemarketers. C.P. Phase Two: The Forms! Knowing why the process works is easy. Knowing HOW it works is critical. Just fill in the blank: These are the notices you will have to send to the banks and the collection agencies. Doing the notices properly is absolutely critical. This part of our program makes life very easy for you. For that you can thank my son. He convinced me to take the book and put it on the web. Create fill in the blank forms so each notice can be customized by each member without hassle. The forms are so easy to complete a 12 year old can do it. Just gather the necessary information, name of bank, address, account number, etc. and plug the information into the appropriate box. Hit submit; and presto, instant notice. Just print, sign and mail. No re-typing or cutting and pasting. Technology as it should be used. You'll love it. Dear Jim I couldn't believe what a difference your notices made. Once I had sent them, no bother. You ask that one magical question, they seem to clam up and go away. What a treat. J.S. Phase Three: Cleaning your credit report! Once the collection process has stopped, six to twelve months depending on the persistency of the banks, its time to clean your credit report. I'm not going to lie to you and tell you this is a slam dunk. It isn't. The banks pretty much own the credit bureaus. The credit bureaus are a wall of protection between the people and the banks. They help the banks punish people who know the truth. Cleaning your report isn't easy; but, it is not necessarily impossible. This is why we strongly recommend that you set aside at least one credit card that you can continue paying on, you use the money you save by not paying on others, so you will have something for emergencies. If you declare bankruptcy you will have these bad accounts on your credit report for up to 10 years. If you just stop paying you will have the bad accounts on your credit report for up to 7 years and risk the chance of law suits. With our process you virtually eliminate the risk of law suits and have a very good chance of cleaning your credit report long before the 7 years is up. One wonderful thing about banks, they are greedy. They will attempt to punish you, for a while, then their greed takes over and they have this insatiable need for more debt. You benefit. Important: Do not jump ahead. Follow the program. Learn the facts then use the notices. Your life will be less stressful. The Competition... According to the American Bankruptcy Institute there have been 3,053,442 people file for bankruptcy between January 1, 2000 and July 31, 2002. A lot of people are choosing bankruptcy and using attorneys. You can also. Just be ready to fork over between $1000 and $10,000. Also, you'll be placing your future in the hands of a judge. Something I prefer not to do. Ask any "honest" attorney, they will tell you, you can never be certain how a judge will rule. With the Congress changing the bankruptcy laws to make it harder for you to liquidate your debt, the chances of a favorable ruling decrease. In addition, once you have paid the attorney, he/she probably won't make a refund if the judge's decision is not in your favor. Of course, with bankruptcy, you have the stigma attached to your credit report for ten (10) years. Nothing much you can do to get rid of it. There are also other people out there offering the same or similar information and services as us. I have listened to the sales pitch of two of these businesses. I received their names via email. The first pitch I listened to offered their education phase for a mere $1,280.00, on multiple CD's. Once you had familiarized yourself with this information you were ready to move on to eliminating credit card debt. The first credit card will cost you $800.00 and each additional credit card will cost you $300.00. With their program they write the letters/notices for you. Email them to you and let you cut and paste the letter into your word processor, reformat, print out and sign. The second pitch I listened to, offered to eliminate bank credit card debt, maximum six (6) cards to a maximum of $100,000. They furnish you with the letters and forms. You customize them for your needs. All this for a mere $3,000, up front. They do not accept credit cards for payment. They also turn your account over to a credit report specialist to clean up the report once you have submitted all the letters and forms. I don't know if they charge additional for this service or if it is included in the $3,000.00. Why they charge so much... Attorneys charge so much because they suffer from delusions of grandeur. They actually think they are worth what they charge. Of course, if they charged what they are worth, they would all starve. Now there's an idea. As for the other businesses, I can only speculate. From listening to the presentations it appears they have set up their programs to look like they are actually doing the work for you. To make you feel like they are actually holding your hand through the process. Making their services feel personal. We offer the same personal service. We are helpful, supportive, and informative. We give you all the information you need that guides you step by step through the process. We make it as easy as possible for you to complete the notices correctly, accurately, and professionally with our fill-in-the-blank forms. We are available via our support forum and email to answer your questions and give you moral support, when you need it. Plus: we offer one more step that the others don't. This step makes our process more ethical and honest. It also makes it virtually impossible for the banks to come back at you latter. With this one additional step the banks dig themselves a hole they can't get out of. Why we charge so little... There are three ways to make money. You can make a lot of money from a few people. Or, you can make a little money from a lot of people. Or, if you have a government protected monopoly, like banks, you can make a lot of money from a lot of people. We aren't a government protected monopoly so we chose to make a little money from a lot of people. From past personal experience we know that many people who need our services the most are the ones who can afford it the least. We want to be able to help as many people as possible while still making a profit and being able to offer quality support. We also use technology to make our process easy as well as efficient. Hi I am to the collection segment on 5 credit cards. Discover, Citibank, MBNA , Juniper and Chase Manhattan. I have been notified by one law firm. All others are still in the collections dept of the banks. All accounts have been sent notices of default. It has been a very enlightening and educational process. Thank you so much for your study and willingness to share your knowledge with others. I had heard about the $3000.00 program but it was entirely out of my reach. Yours has been great! J.O. Responsibility... Our program is designed to help those who are willing to help themselves. When push comes to shove, you are responsible for what ever you do. It is you that will have to dig up all the necessary information. You are the only one who has it. You will have to key in the information. Be it an email to one of our competitors or one of our fill-in-the-blank forms on the internet. It is you that will sign the notices. There are two questions you have to ask yourself: Do you want your notices immediately or do you want to wait until a secretary has time to process them? Do you want to spend $3000 with our competitors or $297 with us? If you want immediate response at the very lowest price, you have only one choice. Membership: Membership Includes: Three year access to our website. Online access to our Book which proves banks don't lend money or extend credit. Step by step instructions on how to eliminate credit card debt. That includes all the major credit cards, Visa, MasterCard, and Discover. Unlimited number of credit cards. Easy no hassle fill in the blank forms to create your notices. Online support forum. Email support. Free Membership through our Affiliate program. You can refer as few as four people and recoup your entire membership fee. We do all of this for the mere pittance of $297. But wait... You Can't Lose: Our Guarantee OK. Pay attention to this part: Become a member. Read the book in Phase One. Send the notices in Phase Two and Three. TRY IT OUT. If our process does not preform just like we state, we'll give you your money back. All we ask is that you try out our simple, easy process and give it a shot. Just give it a fair effort. If it doesn't get results just like we state, we don't want your money. Just show me you tried my process as presented, no changing of the words other than personal information, and we'll give you all-your-money back. The only reason we can do it is because we're supremely confident you're going to fall in love with our down-to-earth process and you're going to love not making those dastardly monthly payments. Click to Continue: > > Contact Us © howtogetridof.com 2002</b></p>