ZipDebt Client Comment Forum (2007-2014)

This post is intended to provide a forum for ZipDebt clients to post comments about their experience with the program. Recently, I spoke to a person interested in my program, and they told me that they didn’t bother to read any of the testimonials on my site because “everybody fakes testimonials.” Well, that’s probably true of many (if not most) debt-related websites. Not so with ZipDebt. ALL of my testimonials are real. No need for faking it here. But it gave me the idea of providing a way for clients to write in and post comments on their own. […]

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    Insolvency Calculator for IRS Form 982 Now Available! Only $29!

Insolvency Calculator for IRS Form 982 Now Available! Only $29!

ZipDebt.com proudly announces the launch of our new INSOLVENCY CALCULATOR, designed to help taxpayers and professional tax preparers determine taxable income associated with 1099-C “cancelation of debt income.”

At the super-low price of $29, this Excel based calculator will help you save HOURS of time in completing “the tax form from hell” (Form 982). You […]

By |December 17th, 2013|Debt & Credit|4 Comments|

Debt Settlement Solutions: Slow Torture vs. Fast Relief!

Consumers researching debt settlement solutions need to be aware that there are two very different approaches to the strategy: the Long-Term Method or Fast-Track Debt Settlement™ (pioneered by ZipDebt). We might also call these “Slow Torture” or “Fast Relief.” […]

By |October 4th, 2013|Debt & Credit|0 Comments|
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    Why FREE Debt Settlement Advice Can Often Be the Most Expensive

Why FREE Debt Settlement Advice Can Often Be the Most Expensive

Virtually every single debt relief company offers a “free consultation” where you can call a toll-free number and speak with a counselor about your situation. Depending on whether you’re seeking debt settlement advice or information about credit counseling, there may be different titles for this position, such as “debt counselor,” “certified debt consultant,” or “senior debt advisor.” […]

By |October 3rd, 2013|Debt & Credit|0 Comments|
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    ZipDebt Clients Enjoy Great Results! Success Tracking Update, 2006 through 2012

ZipDebt Clients Enjoy Great Results! Success Tracking Update, 2006 through 2012

In July 2010, I published “Debt Settlement Done Right,” which included ZipDebt’s success tracking statistics for the period 2006-2009. As far as I know, I was one of the first in this industry to publish actual data on my results. Today, it’s still quite rare to see a debt settlement firm publish transparent information about actual performance results vs. the claims made in their marketing materials and sales pitches. There is a reason […]

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    Introducing “Simultaneous Settlement” with Jared Strauss of Debt Relief á la Carte

Introducing “Simultaneous Settlement” with Jared Strauss of Debt Relief á la Carte

Regular readers of The ZipDebt Blog know that I have been telling consumers for many years they can negotiate their own debt settlements. I’ve personally taught thousands of people to handle their own settlement project with tremendous success, and I have numerous client testimonials to back up that claim. However, there is no question that […]

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    Why Consumers Should Hire A Debt Coach Before Negotiating With Collection Agencies

Why Consumers Should Hire A Debt Coach Before Negotiating With Collection Agencies

I’ve been involved with debt settlement since 1997, far longer than most people working in this industry. Yet I still have to shake my head in amazement at some of the idiotic stuff debt collectors say. […]

By |April 22nd, 2013|Debt & Credit|8 Comments|

7 Signs Your Credit Card Debt Is About to Implode

7 Signs Your Credit Card Debt Is About to Implode (via Credit.com)
As we move into 2013, U.S. consumers are carrying balances exceeding $850 billion on approximately 600 million credit card accounts. This is down from the peak of more than $950 billion during 2009-2010, but credit card debt is still the third largest component of household indebtedness, behind only…

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By |January 21st, 2013|Debt & Credit|2 Comments|
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    DIY Debt Settlement Myth #10: My Credit Score Will Be Better If I Hire A Company To Settle My Debts

DIY Debt Settlement Myth #10: My Credit Score Will Be Better If I Hire A Company To Settle My Debts

This is the tenth and final post in a series discussing the most common myths about do-it-yourself debt settlement, as compared to hiring a third-party company. In this article, I’ll discuss the myth that settlements negotiated by professional debt relief firms carry less credit damage than self-negotiated settlements. […]

By |November 30th, 2012|Debt & Credit|0 Comments|
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    DIY Debt Settlement Myth #9: I Just Make One Monthly Payment And They Will Take Care Of Everything For Me

DIY Debt Settlement Myth #9: I Just Make One Monthly Payment And They Will Take Care Of Everything For Me

This is the ninth in a series of posts discussing the most common myths about do-it-yourself debt settlement. In this post, I’ll discuss the myth that a traditional debt settlement approach provides peace-of-mind for consumers who enroll in such programs. What many consumers want is to be able to make a single monthly payment into their debt program, with the […]

By |October 22nd, 2012|Debt & Credit|2 Comments|