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  Learn the Facts About Debt Settlement
Do It Yourself With Help from the USA's Most Experienced Debt Settlement Coach, & Save $1,000s!

Considering debt settlement? The simple truth is that it's best to handle your own debt settlement program, rather than pay someone else to deal with your creditors.

By negotiating your own settlements, you'll save a ton of money in fees, decrease the risk of creditor backlash, and feel better about the process when you're done.

The content on this site is aimed at helping consumers tackle their debt problems head-on. With some real-world information and a little expert coaching, you can avoid bankruptcy, bypass the expensive third-party companies, take control of your debts, and resolve your financial situation in a straightforward and rational manner.

But first, you have to get un-brainwashed about how the different programs work. A lot of what you think is probably wrong or inaccurate. To start learning the facts about debt settlement and other program options, please read some of the free articles listed below.


OK, But First Tell Me What You're Selling:


How to Eliminate Your Debts Quickly and Safely Without Filing Bankruptcy

Confused by all the conflicting deft relief information on the Internet? ZipDebt's 32-page consumer debt guide has helped *tens of thousands* of people understand their options and avoid getting ripped off by shady debt companies.

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$100,000 in Credit Card Debt: Financial Survival Tactics for High-Balance Debtors & Small Business Owners

If you're in deep, this is the information you're looking for. Learn why individuals and small business owners seeking to reduce very high levels of unsecured debt MUST USE DIFFERENT TACTICS than the average consumer with $10,000 to $30,000 of debt.

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The single product offered for sale on this website is Charles Phelan's "Do-It-Yourself" Debt Negotiation Training & Coaching Program™. Until now, consumers wanting to settle their debts have been faced with a difficult choice: Pay thousands in fees to a professional settlement firm, or go it alone and hope for the best.

Now, there is an affordable and superior alternative: Do-it-yourself debt settlement with training and coaching provided by a debt negotiation expert. This gives you the best of both worlds -- professional results at do-it-yourself prices.

If you already know that debt settlement is the solution that best fits your circumstances, and you've already talked to one or more debt settlement companies, you're probably experiencing "sticker shock" at the huge fees they charge. Compare the advantages of the "do it yourself debt settlement with coaching" method to professional negotiation services and see how much you'll save in fees.

If you're new to the idea of debt settlement and just exploring your options, download and read a FREE 32-Page Consumer Report that describes this strategy in detail.

Bottom Line: This is THE most practical and affordable debt settlement solution available, period.

Why pay $1,000s in fees when you can do it yourself (with a little training and coaching) for a small fraction of the cost of professional services? And YES, you CAN do it yourself. Average, everyday, ordinary people can negotiate successfully with their creditors. Check out some examples of actual debt settlement results achieved by my clients.


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Take me to the Coaching information page...

FREE ARTICLES

Learn the facts before you make a decision. What you don't know may cost you $1,000s. Don't hire a third-party debt company or credit counseling agency until you've read these hard-hitting free articles by Charles J. Phelan, former industry executive.
Debt Relief 101 Video
Watch this video to learn how the 4 main debt relief programs work and how a Do It Yourself approach to debt settlement can be an affordable and effective solution for you. Watch The Video Here
Credit Counseling - Why It Doesn't Work for Most Debtors
Discusses why credit counseling has come under attack by consumer groups for failing to do the job it's advertised to do. Explains the main reasons for credit counseling's failure to provide relief for most enrollees.
The "Credit Card Debt Termination" Scam
Exposes the "debt termination" or "elimination" scam, where promoters claim that credit card debt can be "erased" using obscure legal documentation. Explains the bogus theory behind a scam that has bilked millions from vulnerable consumers.
Debt Settlement - Why the Critics Are Wrong
Explains why critics of debt settlement are wrong about this alternative to bankruptcy. Discusses the three main criticisms of this technique as well as the positives associated with settling your accounts.
The New Bankruptcy Law - How Will It Affect Debt Negotiation?
Reviews the effect of the new bankruptcy law on debt negotiation. Explains why it's still "business as usual" in the collection industry even with the new rules in place, and why the new bankruptcy law has no effect on the strategy of debt negotiation & settlement.
Debt Relief - Why Most Programs Have A 75% Failure Rate
Discusses the major flaw with most debt relief programs, namely their total lack of flexibility. Examines why the the fixed payment structure of most programs doesn't reflect the real-world budgets of most struggling consumers.
Why Do-It-Yourself Debt Settlement Is Better Than Hiring a Settlement Company (Part 1)
Explains the fee structure of professional debt settlement programs and the impact on program duration; as well as the importance of flexible monthly payments in making a debt settlement program work effectively.
Why Do-It-Yourself Debt Settlement Is Better Than Hiring a Settlement Company (Part 2)
Continuing from Part 1, the second part of this article discusses additional reasons why the do-it-yourself approach to debt settlement eliminates several major problems that arise when using professional settlement firms.
Read "The ZipDebt Blog"
Straight talk by Charles Phelan on debt settlement and other debt reduction strategies.

Learn how to negotiate with your
creditors and save $1,000s.


Charles Phelan

Charles J. Phelan has been helping people become debt-free without bankruptcy since 1997. A former executive in the debt settlement industry, he teaches the do-it-yourself method of debt negotiation. Audio-CD material plus expert personal coaching helps consumers achieve professional results at a fraction of the cost.
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You May Also Email Your Debt-Related Questions to:

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Just looking for some basic information on debt settlement?

Download my FREE 32-Page Consumer Report:


"How to Eliminate Your Debts Quickly and Safely Without Filing Bankruptcy"