ZipDebt Client Comment Forum
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.
Feel free to write about your experience of handling your own negotiations with training and coaching by yours truly.
Two simple ground rules for posting your feedback:
1. Please do not mention bank names or the names of collection agencies. (Two reasons for this: One, I don’t want to get drowned in blog-spam by debt collectors who work for said companies, or notices from their legal departments, etc. Two, settlement percentages are a moving target, and a bank/agency that settles for 30% today may stick with 50% tomorrow, and vice versa.)
2. Please do not include website links or html tags in your posts.
3. No profanity please (however tempting it may be to dump on your favorite debt collector). 
Otherwise, please feel free to relate as much or as little as you care to share with others. The main purpose here is to help the folks who are struggling with their decision about whether to use this strategy in their situation.
I want to thank Charles with all my heart. I was nearly $80,000
Comment by Wayne Ross — November 8, 2007 @ 8:12 pm(thats eighty thousand) in credit card debt and thougt I would never get out The
course really helped me. I settled the $80,000.00 of credit card debt for a
little over 27,000.00 I saved 50,0000. I owe it all to Charles and his e mails
I was drowning in debt for years and now I can breathe and relax again with peace
of mind. I followed his advice to the letter and everything he said to do, I
did and it was worth it. His course is worth ten times what he is asking. Anyone
can succeed if they follow his advice. I want to thank you again Charles with
all my heart. I owe you my life.
I don’t even know where to begin - to say that Charles has changed our lives is the biggest understatement imaginable.
Comment by Gail Weekly — November 11, 2007 @ 1:01 pmHe took us from massive hopeless debt to seeing bright light at the end of the tunnel in less than two years.
Starting with some $186,000 of debt, we have settled one account after another, negociating with Charles one-on-one guidance. We have settled a total of $120,000 of debt with settlements of 22% to 60%, paying a total of $50,575. Our average settlement percent is now $42%, but it is getting lower as we go along and get better at it.
For anyone who may be intersted in how this all happened, here’s our sad story:
Over the course of 20+ years, we STRUGGLED to get out from under what ended up being 14 different credit card accounts. Our total unsecured debt ended up being over $186,000. This is what happens when you borrow from Peter to pay Paul - open a new charge account in order to transfer balances with the intention of closing the old account, but then you need the old account for money to live on. Then all of your charge accounts keep raising your credit limits because you’ve done such a good job of managing your credit (translation - juggling).
We were a disaster waiting to happen, and it did. We hit the wall in November, 2003 when there was no money to make a payment on one account, which meant there was no ‘room’ on that account to pay the next account, and so on - just like dominos in a line.
I know this is getting long, and Charles, you may want to edit this, but I just don’t know which part to cut out and make it be logical.
The first thing we did was fall for one of those scams that you talk about. This so called ‘debt solution’ program asserted that we didn’t really owe anything to these creditors because they had never really given us anything in the first place - the evil banks had simply used us to borrow money from the government, and they would never pay that money back - besides the fact that they could never prove that we actually got any money from them in the first place.
Desperation blinded us to the fact that this was a scam, and like a drowning man would grab any rope offered - even if there was a monster throwing it out - we bought the program. After listening to their cd’s, we became aware that they were CROOKS! What a sinking feeling.
The problem was that we had followed their advice and stopped paying on ALL of our accounts, the phone was ringing constantly, all the accounts were charged off and reassigned to debt collectors, and the situation seemed hopeless.
We thought Bankruptcy was our only option - and to give the attorneys credit, we do feel like they bought us some time - they handled the calls for us and took the pressure off for a year or so while we made payments to them toward the bankruptcy. After we had nearly paid them off, a consultation showed that we really couldn’t file (the reasons why were complicated, but it involved the fact that money was borrowed in our relatives names too.)
That’s when we turned to the Internet for help. Searching under ‘debt negociation’ ‘debt settlement’ - anything I could think of, I clicked a link leading to Charles. Reading his web page, it seemed to be too good to be true, but something clicked with me as being the real deal. I called his 800 number with what was probably a very pitiful cry for help, and much to my surprise, he called me back. It was incredible to me that I had actually found a real live person who was willing to help. He spent a long time on the phone with me, which was unbelievable considering that I hadn’t paid him a cent.
Everything he said made sense, and we had discovered the truth of much of it ourselves. So we bought the course and listened to it, but at the time our business was failing, and we had no money to put aside to settle anything, so we couldn’t implement it.
A sherriff knocking on our door serving lawsuit papers put us into high gear. Our only solution was to try to sell our home quickly before it was taken from us. We were able to sell within a few months, and with our equity cash in hand we started consulting with Charles to start settling with creditors, which by this time was debt collecters as well as a number of debt purchasers, and we were dealing with a judgment.
Facing 14 different creditors seemed impossible when we began. When we met with nasty, lying reps, Charles reassured us, told us the truth, and outlined how to proceed. In every situation, Charles has proven to be right. They all settle - you just have to be patient and play the game. Listen to Charles, he will lead you out of the maize. As you knock them off one at a time, you will acquire confidence. When another one comes up and you start to panic, Charles is there to lead you through, calm you down, and outline a plan of action.
This is such an emotional thing to me, I’m choking back tears as I write this, but Charles, you just don’t know what you have done for us. I know I have told you this before - but you saved us, you gave us hope in a hopeless situation. You’ve been the only person we could turn to, and you’ve never failed to lead us through the toughest situations.
Thank you from the bottom of my heart,
Gail
Just wanted to pass along my thanks to Charles. With his guidence, I was able to negotiate a reasonable settlement with creditors - in my case about 48%. If you’re willing to grind through the process, not get too flustered with the calls you’ll receive from debt purchasers and keep a good attitude, you will be able to work something out that is mutually beneficial for yourself and the creditor. Word of advice: stand your groubd with the collectors but be respectfull and professional with them. Set your bounderies and be clear that you will not tollerate abuse or rudeness but where possible be courteous - these folks are just trying to make a living too. Make it clear that you are willing to work with them. Great program and Charles is extremely responsive, objective and knowledeable. This program is short money compared to what you’ll save monetarily - not to mention from a standpoint of sanity. - steve
Comment by Steve B — November 13, 2007 @ 6:20 amI will save our scary story to tell at the end of all our negotiations. For now, let’s just say that it’s similar to Gail’s posting before she got to the scam part. Currently, we are in the thick of it–talking to creditors as Charles is advising us to do. We’re only two months into this process, but this is what we’ve gained:
$73,000!!! How’s that for a start? This represents 31% of the total we owed on two cards. In one phone call from Charles during the bank’s offer phase, he told us how to get this particular creditor to come down $7,000 more than we already thought was good. What he told us to do worked!! In emphasis, Charles’ 15 minutes of coaching saved us $7,000 more! My husband said he, actually, felt the weight come off his shoulders when they agreed to this fantastic settlement.
When we were hitting our wall, my husband ALMOST went with an attorney’s office to do this negotiation work for us as they were very convincing about the fact that “we would retain our good credit standing,” and because it’s LEGAL debt negotiation through their law firm, they can get better deals for us and easily handle our bankruptcy later if we needed them to.” But my gut said, “No! They want their $22,000 fee up front with NO promising agreements in their contract to do ANYTHING for us. How did they think we could pay this fee in the financial state we’re currently in–when we have no income right now? We would have to borrow more money to pay their fee! Now, what sense did that make?” It was a good day when I found Charles’ website.
My husband is very happy with himself now that he is handling our debt problems himself (using Charles’ expert coaching), and I’m proud of him, too.
Also, I purchased the ID Caller Manager that Charles recommended, and my peace of mind has been saved! I can put all my unwanted calls through to a recording and not have to hear the phone ring, which made my stomach churn.
Thank you, Charles, very much for a grand start, or should I say, “a $73 grand” start! . I will be posting more news later as more successes come about. What a difference a good coach can make!
Christine
P.S. Everyone: You MUST take good notes when you speak to Charles on the phone as forgetting his tips can be costly!
Comment by Christine — December 10, 2007 @ 3:53 pmI run a small business. Through a series of setbacks, I found myself with $220,000 of unsecured credit card debt. I was making over $4,000 monthly minimum payments on eleven different bank cards. I had some cash, but not nearly enough to keep pace with my payment schedule and still run my business. I assummed my only two options were bankrupcy or Consumer Credit Counciling. Either way, I would be paying between $4000-5000 a month for five years. Fortunately, I found Charles’ program while researching the subject on the internet. With Charles’ guidance, I was able to settle all eleven credit card accounts in a year for $87,000. Charles, your program is phenominal. I can’t imagine any other way a person can become debt free from credit cards in such a short period of time. The negotiation process with the creditors was exactly as you said it would be. It is very refreshing to get advice from someone is extremely knowledgeable and also a straight shooter. I would highly reccomend this program as the most effective way to deal with “out of control” credit card debt. Thanks again Charles. You’re a lifesaver!
Comment by bob — December 20, 2007 @ 9:14 pmWords can not express what Charles has done for me.
Comment by Patti — January 8, 2008 @ 7:26 pmPrior to finding him on the internet,(thank god I did), I was literally sick to my stomach about the debt I had accumulated. I owed over $50,000 worth of debt on a salary of vey little. I was never able to catch up and the more I played balance transfer games the worst it got. Sound familiar? I called the 800 and left a message and Charles called me back and explained his program. After his call I felt like I had an angel delivered to my doorstep to guide me through the dark money tunnel I had fallen through. His program, advice and kindness have gotten me through this without the despair I was feeling before starting on this program. The information he supplied me with made the last 6 months easier than the last 6 years have been. I followed his advice and I got a tracfone and used that as my debt collector phone (you have to change the information on your account to the new number)and I was able to handle the phone calls at my convinence. I have cleared my debts in 7 months for an average of 31% and I am now debt free for the first time in a very long time! Please do not be skeptical of this program, it is the REAL thing, with a REAL person who is charging very little for a system that actually works. You have very little to lose and quite a lot to gain. Again, thank you Charles for everything you have done. You and your program are a Godsend!
We make a good income, we live in a good neighbor hood, we are regular people, and we were strangled by debt we could never pay off. For years we struggled to make payments to “keep our good credit”, but with the birth of my son, I promised myself to get out of this situation, I did not know how, but I knew it had to stop. I looked everywhere for solutions, I called the advertisers on the radio, I searched the Internet, I found Charles, Thank GOD I Found Charles. We were skeptical to say the least, who wants to spend more money when you are already hopelessly in debt right, well I am here to tell you that in 15 months we settled every account we had for pennies on the dollar, and I could not have done it without the support that Charles provided. Charles will show you the door, but you will have to walk through it, it is not easy, it is frustrating, but it is possible, and there is a light at the end of the tunnel. I never put much stock in things like these, testimonials, this is the first time I have every written one, and if anyone that is reading this is on the fence make the leap, you will be taking the first steps towards a freedom you can not buy.
Comment by Mark & Jenna — January 23, 2008 @ 6:53 pmCharles does one thing well, he motivates you. It is often difficult to answer the phone when creditors call, to talk with them rationally, and to make progress on one’s debts alone. Charles is your partner in this, and will see you through to the end of your debt problems.
Personally, I had 7 credit cards, totalling $63K in debt and was about 6 months behind in payments. After I settled one on my own, it was just so simple, I tried to settle others and I could not make any progress at all. It turned out that I had settled with one of the card companies that was the most liberal, and I had a lot to learn and a long way to go.
With Charles’ program, I got motivated and am now the self-proclaimed award winner of the annual Zipdebt “Zippy”, for the fastest settlement time from course purchase to being credit card debt free. I settled my credit card debt for a total of $31K, just under half of my original amount.
Thanks, Charles!
Comment by Karl - Zippy Award — January 29, 2008 @ 5:44 pmCharles’ program is invaluable. It is so useful that I never try to negotiate a debt until
I have referred to the program CD and workbook, and emailed Charles for strategy guidance.
His program has helped me and one of my family settle several debts at an average of 33% of the total.
We would never have achieved this success on our own! I am so impressed with Charles’ program that I am referring him to everyone I know who needs help.
Thanks so much, Charles.
Comment by Chris — February 2, 2008 @ 10:10 amI, like many others, failed to control spending, and spiralled down a path of endless debt. 12 years ago I was $120K in cc debt, and I had never been late on a single payment of any kind. By 2001 I had paid off about half of that. However I made a classic mistake and did not close the paid accounts, and was back up to $90K by 2003.I thought I was OK though and took a 2nd mortgage for $72K to take care of this cc debt once and for all. Once again I did not manage my finances well. I only paid $45K on cc, did not close the paid accounts, and loaned $25K to a business partner. HELLO! I was really in deep now. By the fall of 2005 I owed $85K on cc, a 1st and 2nd mortgage, and on and on, and 4 children. I begged and pleaded with creditors to work with me, cut rates, etc., anything. Of course I was on “default pricing” and they would not help me, even though I had still never been late on a payment, ever. I was flopping $2500 a month and to someone looking in I had the perfect life. WRONG! By May 2006 I could not make payments. I had had back surgery in December,and minimum payments on some accounts doubled. I could not rob Peter enough to pay Paul. I quit paying them, one by one. The phone calls came pouring in, bunches of them. I tried to answer or return all of them and explained that I wanted to pay but just could not. I did trickle a payment in here and there, but truly did not know what to do. I tried credit counselling, but did not qualify because payments were higher than I was paying before, and I had less income. I tried debt relief companies I had heard about on the radio. Same thing, could not do payments. Finally I did an internet search on “How not to pay your cc bill”. The Zipdebt site came up and I checked it out. I called Charles the next day and asked if there was any hope. He assured me that things were not so bad and that he could help. I have heard a lot of sales pitches over the years, but something told me Charles was for real. He suggested the seminar with 1 year of e-mail coaching would work for me. I listened to the CDs about five times and we then talked again more specifically about my strategy. I was already about three months behind with some creditors so things happened fairly quickly. The first thing I did was get a call management program from the phone company. I must say at this point I knew Charles was for real because the psychology between me and the creditor changed quickly and drastically. The funny thing was that after I had quit paying these creditors, they suddenly found that they indeed did have a “hardship program” and could help with rates, payments, etc. IMAGINE THAT!! Thanks to Charles and his advice these situations played out exactly as he said, every time. As it turns out the CD seminar has all you need to do this, but you have to pay attention to every detail. One by one these acounts settled averaging 37%. All but one settled within nine months, and the last in twelve. The settlements ranged from 20% to 60%, with the largest balance $17400 and the smallest $3800. All I can say is that Charles and his knowledge and experience are for real. I cannot thank him enough and I still have some dignity as well. He makes you believe in yourself. With patience and discipline any body can do this with Charles’ help and guidance. Sorry to go on so long but this is a real, true life story.
Comment by chris — February 9, 2008 @ 7:43 pmI would like to take this opportunity to personally thank you for your prompt and professional service. You delivered as promised and always provided thorough answers to my questions in a matter of hours!
A little information for anyone considering the debt elimination program offered by Mr. Phelan:
By the time my six accounts had approached “charge-off” status, I was in excess of $150k in debt.
After exploring (and becoming suspect of) other “debt elimination” companies that I had heard about on the radio and TV, I discovered information presented on Mr. Phelan’s ZipDebt web site. Mr. Phelan’s approach combines expert, industry-specific knowledge with sound negotiating skills. Furthermore, I remained in control of my finances - as opposed to entrusting my cash flow to a high-priced, financial babysitter (as is the case with “debt elimination” companies).
I decided to purchase the ZipDebt program. I closely followed the advice presented by Mr. Phelan in the program; reading through and listening to information contained in the manual and on the audio CD’s two or three times. Armed with my newfound knowledge, I formulated a “game plan” and went to work. Within a matter of weeks, I had my first settlement on the table - 25% of my outstanding balance! Yes folks - it can be done! After all the smoke cleared, I had negotiated settlements on all six of my accounts. Average settlement: 41.8%
Important advice to readers:
1.) Not all of the settlements were “lump sums,” as I managed to negotiate payment plans into a couple of the deals. Just ask them!
2.) Upon entering into your negotiations with either the original creditor or a 3rd party service - treat them as your friend - not your enemy. You will find that these people are just like you and I - they are simply doing their job and will be much more inclined to reach an agreement with a “friendly” voice.
3.) Don’t show fear. Be friendly, but firm. Outline your boundaries prior to making your calls, and if pushed to far, know when to say, “I am sorry, I simply can’t do that.” Generally, the creditors will back off and often times present a more favorable option.
4.) Be patient. You will generally not receive your best deals early on. Creditors become more willing to negotiate as the odds of recovering their money becomes slim and the debt approaches “charge-off” status.
5.) Please make an honest attempt to comprehend to the information Mr. Phelan presents in his course - it is invaluable! The information walks you step-by-step through the negotiation process, and Mr. Phelan promptly answers any questions you may have.
I would imagine, that given the current credit “shakedown,” creditors my be more willing to settle these accounts at a couple of percentage points less than levels we were seeing a few months ago - Correct me if I am wrong here Mr. Phelan…
I only wish that I had been armed with this knowledge 20yrs ago! Oh well, as they say, “better late than never!” At least now I awaken with a clear conscience and the weight of a hundred bridges off of my shoulders! May the wealth-building phase of my life begin!
Once again - I sincerely appreciate your help!
Comment by DB — February 17, 2008 @ 8:39 amAll the comments that have been made describes exactly what our situation was a year ago so there is no need for me to repeat the financial mess we were in. Before finding Charles I had contacted a financial management Co. and when we put pen to paper it did not take us long to figure out how much we were going to be paying them and the length of time it was going to take to get out of debt. That is when I got on the internet and started searching and I found a lot!! I truley believe that God directed me to Charles. When I finished exploring his website and I got down to the bottom there was his picture and I thought “he has a kind & sincere look”. So I downloaded the 32 page report. After me & my husband read it we took advantage of the free phone consultation and we both felt a great since of relieve after talking to Charles. Given the amount of dept we HAD we choose to go with his enchanched program which was pennies compared to what we would have paid for a financial management program. We have settled several accounts with only one collector left and they are being a little tuff but Charles is just a phone call or e-mail away! Charles I do believe I had an angel on my shoulder when I found you. Harold & I thank you for all your support and your prompt responses. We could not have accomplished this without you!
Comment by Harold & Pam — February 26, 2008 @ 10:28 amI started this program in September 2007 and have already settled 5 of my 10 credit card accounts for 30 cents on the dollar and was able to structure the settlements out over a 3 month period. I am working on account #6 now. A couple of the more stubborn creditors have charged off the balance and turned the acct over to a collection agency so those will probably take a little more time but I am confident now that with a little patience and this program, that I can get them to settle as well. Zipdebt has saved us from having to file bankruptcy and I am grateful to Charles for helping us. Thank you!
Comment by Doreen — February 27, 2008 @ 7:26 pmI’d always understood managing personal credit is a game, a serious one, but a game nonetheless. I thought I was equipped for the game with a good credit score, low interest rates and a good income. Unfortunately, many of us have no clue with how to succeed in the debt and money management game. I’ve come to understand many of our laws and industry regulations strongly favor the credit card companies, not the consumer. Add to this, the barrage of offers of easy terms, constant flow of pre-approved credit cards, low introductory rates, de-regulatd interest rates, increasing unasked-for credit limits, cash advances with high interest disguised as “open checks”, and any number of marketing tools employed by the credit industry to increase their revenues.
Because of a cross-country move and a home remodel I found myself with a lot of unexpected cc debt, over 60K. It was manageable but stressful and somewhat embarrassing. I also knew the payments were cutting deeply into my ability to save/invest for retirement which kept me awake at night. I had a great credit score and all of my interest rates were low, but I desperately needed to adopt a plan to pay off the debt. I did some research and started a program which advises setting up a timeline to pay off all your debt and cc’s, one at a time. Finally some relief, there was a plan in place! Just two months into the program, I noticed two of my cc’s with smaller balances went from single digit interest (card rate, not introductory) to over 25%! Alarmed, I checked all my recent payments and bank statements and as usual everything was paid on time. So I confidently called the two cc companies to tell them there had been some misunderstanding and would they “please” change my rate back. Talk about naive!
I learned the credit card companies had reviewed my credit file and decided I had become a larger credit risk because my credit card debt ratio had become high, although my overall credit score had barely moved. A contributing factor was that in the spirit of financial housekeeping I had recently closed a number of old credit accounts that contained open credit with zero balances. The following month another credit card with the largest balance followed suite and raised my interest rate from 11% to 29.9%!! Now I wasn’t just shocked, I was freakin livid! I found I had no recourse; none! I had not applied for any new credit, made ANY payments late, hadn’t changed address or jobs; I had just slowly used the credit line the card companies had extended me in the first place. Nor had I given permission for a “review” but found I was now at their mercy and after a couple of conversations with their representatives, I found out they had none. At that point I figured it was a matter of time before the remaining large account and another smaller account “caught up” with me. Looking at those high balances with such high interest rates was devastating and made me understand that all the years of good credit history with the same companies and paying on time meant almost nothing. Worse, I knew this would add additional years to my pay-off program and more years before I could start to save significantly for retirement. I knew I had to do something. I talked to the instructor of the acceleration program and he suggested I talk to Charles.
I was current with all payments when I had the initial conversation with Charles. It didn’t take long for me to see he had a deep understanding of how the debt companies operate and a philisophical POV that melts the conventional attitudes which keep consumers of debt in “line” by mortgaging their physical health and their financial futures. I’m convinced purchasing Charles’ zipdebt program was the best financial decision I could have made. It’s one year later and I just settled the last account for 45%, with my overall total for settlement at 39%. And, depending on your situation, you don’t necessarily need a pile of cash to begin.
I followed the program very closely. It’s not always easy but after the first settlement you begin to see it’s possible and how it truly works. My first settlement came at 26%; talk about motivation! Although some settlements are tough, others are not-so-tough. The conversations with the collection agents can rack your nerves, but you don’t have to lie, and it gets easier. Just follow Charles’ program and advice, his responses are always prompt and overall coaching is very thorough. He gets contant updates on what many creditors are willing to do.
The Zipdebt program is awesome, it’s inexpensive, and I appreciate that he has kept the price so reasonable - it’s really worth more. But when you’re looking a big pile of accumulated debt, it’s hard to imagine spending yet more money on an unknown is a good idea. But I found it is. I’m now at a place where I can make real progress toward retirement, pay off my home mortgage and start to repair my credit rating. As I’ve said all year: Many thanks Charles, I couldn’t have done it without you!
Comment by Carolyn in Austin, TX — March 3, 2008 @ 12:08 pmDiscovering your program for reducing our debt was one of the best things we have ever done. It is a process that anyone can manage by themselves. I now understand that if you do not take the time to
administer the debt negotiation process personally you will waste a lot of money that could go to pay off your debt and likely not insulate yourself from your creditors like you have been advised. I say this because I have a variable income. If I committed a specific amount each month to pay someone else to negotiate with my creditors, there would have been months that I would not have been able to pay.
By eliminating the credit services fees I was in a position to begin settling my accounts in several months and all 5 of the accounts I decided to settle were completed in 9 months. In the process $22,701.83 of credit card debt was cancelled in about 9 months.
If you are considering using a credit service to deal with your creditors—STOP—-, and give Charles a call. You will be glad you did.
Sincerely,
David and Wendy Williams
Comment by dave and wendy williams — March 22, 2008 @ 2:43 pmRacine, WIsconsin
Thank you Charles L-I-F-E-S-A-V-E-R Phelan!!!
Being a single mom after going through a nasty divorce, I had quite a bit of debt built up for being only one person. I was attending school at the time to get my Master’s Degree and was literally using leftover student loans to help pay for my bills. I know, BIG MISTAKE (for many reasons)! and even BIGGER when I graduated and the money stopped coming in. I found myself not being able to pay all my bills.
I researched many debt elimination/debt consolidation/debt negotiation companies and almost had the pen to the paper when I came across ZipDebt! What a miracle day that was!! I withdrew my paperwork immediately after reading Mr. Phelan’s FREE 32 page report and made that infamous 800# “call for help!”
Mr. Phelan called me back and we discussed my situation. He was even kind and truthful enough to tell me that I only needed the lower costing program (although I would have paid three times the highest amount!!)
Fall 2007 was the season of my “release from financial prison”. I received the ZipDebt CDs and could NOT put them down. I ended up listening (and taking notes) to every one of them in one sitting. Some advice: listen to them OVER AND OVER again!! I cannot tell you the sense of freedom and control that I have felt since starting his program.
To date, I am in the 3rd payment of a 4 month payout plan in which I settled for 17%!!!!!!!
I.E. 21,000 debt and I settled for $3,500. My in-house settlement amount is LESS than I would have paid the negotiation company for their fee!!!!!!! INCREDIBLE! ALL THANKS TO MR. PHELAN’S GUIDANCE!
Currently, I am dealing with a second creditor which I’m sure will be sending me to a 3rd party collection agency. Armed with ZipDebt’s tools, I look forward to the challenge as it will be a battle of knowledge and skill.
Some advice:
1. listen to Mr. Phelan’s CDs over and over again! (always keep things fresh in your mind.
2. when talking with a creditor, it is IMPORTANT to always give them the minimal amount of information possible.
3. “act” clueless (pretending to listen to every last word of the creditor’s advice like you have no idea about what is going on) and then go in for the “kill” when YOU (and your pocketbook) are ready.
4. STAY CONFIDENT!
5. it is important to stay in contact on at least a monthly basis with the creditors as I found that some of them actually do notate your calls in their files. (Don’t burn any bridges!)
Mr. Phelan, you are truly a blessing to so many! I have shared my story with so many friends and family (as well as strangers). Thank you for being courageous enough to cross over from the “dark side” to help ordinary people like us to have hope for a debt-free future!
God Bless!!
Heather
P.S. I will update when the “game” begins with my next creditor!
Comment by Heather — March 25, 2008 @ 7:12 amI have read all the inforation from others that worked with Charles and must say “MEGA DITTOS” to it all.
Charles is the most helpful and honest man I have ever had the pleasure working with!
We are a little different than many of the others in that we began working with a partner that turned out to be a disaster. We were steered wrong, stollen from and left with unfinished properties. All the money we had (also IRA’s cashed in) went to finishing the properties. We also paid a mortgage of over $1000 a month on a property that was being worked on, but not rented or sold. Unfortunately, much of the money to finish the properties came from credit cards. We always had excellent credit all our lives (we both are in our early 60’s). Before this all happened, we used credit cards when needed, but never had high balances on them. By the time we knew that we had been “taken”, we had a $250,000 debt on credit cards, not to even mention the IRA we lost and had to pay a penalty on.
We also talked to many of those “others” about our debts. They charged outragious fees and the monthly payments were more than we could handle. Like the others we got on the internet, talked to Charles and we were convinced this made sense. Well, we started with Zipdebt in the fall of 2007 and to this point we are down to about $125,000 owed. We also got some real deals in the 20% area following his advice. Have one filing a suit, a couple others that don’t want to move, etc. I feel that in time we will get the rest paid off. It might take 2 years, but we will do it.
Charles does do 2 things that I really appreciate. One he answers your e-mails quickly.That means alot! The other, which I have heard in the above notes, he encourages you. Just last week I said in an e-mail to him that I am tired spending so much time on checking all the accounts (we currently have 10 more cards to settle). He wrote back telling me to think about how much money I am saving and divide that by the hours spent and I would be happy as to how much I earned. He also said we will continue to have progress, sometimes it takes time.
A BIG THANKS TO CHARLES AND A NOTE TO ANYONE THATS NEED HELP WITH GETTING RID OF DEBT, PURCHASE HIS PROGRAM! FORGET THE OTHERS, CHARLES KNOWS HIS STUFF!
Comment by Bernie & Karen in PA. — April 15, 2008 @ 1:00 pmHi, my name is Patty. Before my nightmare started I always had good credit. Always paid my bills on time and never thought I will find myself in the situation I was in but it does happen to the better of us when we least expect it. Before I knew it I had more debt than income coming in. I tried to keep up with my payments and like alot of us I was robbing Peter to pay Paul. I started talking to debt settlement companies but their fees where so high I thought to myself if I can not afford to pay my creditors where am I going to get the money to pay this debt settlement companies. So I searched the web on do it yourself debt negotiations and much to my surprise I discovered Charles. He was the answer to my prayers!! I thank God for him because without him and his program I don’t know where I would have been. When I started Charles program my total debt was almost $62,000 and by the time I finished my settlements my balance excalated to $69,000 with finance charges and late fees. After 7 months of negotiating with my creditors I finally settled a little over $32,000 a combined savings of 47%. I was hoping to do better but I will take that any day just knowing I don’t have that large debt over my head and the stress it has taken off my shoulder.
My advice to anyone that is considering Charles program. DO NOT HESITATE. DO IT!!! This is probally the best move and investment you would ever make and his program is by far less expensive and rewarding than going through any other programs because you negotiated your debts yourself with the help of Charles. Again, Thank you Charles for all that you do and may God Bless you abundantly!!!
Comment by: Patricia in Florida - April 22, 2008
Comment by Patricia in Florida — April 22, 2008 @ 4:37 amThere is no other way I could have accomplished the results without you. I will be
Comment by Tavo & Kathryn — May 6, 2008 @ 11:16 amforever in your debt. You are truly a godsend to people drowning in debt because
of the banks sucking us in to their webs of disgracefulness. Consumers need to be
educated with your program, for the small amount of $ for your program in exchange
of the education you provide that the banks don’t want consumers to know. Here
are my results. Settled more than $260,000 of debt for about $70,000 following
your advice.
Like everyone posting on this site, I was drowning in debt for years. There did not seem to be anything I could do to get on top of it. As things began to cost more; food, gas etc, I found my self working a second job to pay my mortgage, bills, etc. and at the end of the month, I would have nothing left to buy food with. I could not stop using the cards. My car died and I needed to buy a new one, I had an enormous student loan coming out of deferment. It was clear that this was an endless cycle and I would need to either declare BK or hit the lottery.
I researched credit counseling but knew this would not help my situation because I could not afford any of the plans they offered and it would take years, years to make a dent in my debt. I then spoke with at least 6 different settlement companies who all promised to eliminate my debt in anywhere from 2-4 years for fees as high as $7,000. I felt like i was completely being taken advantage of by these companies. But at the same time I thought my only other option was BK. Then one fateful day, right before i was about to commit to one of these settlement companies, I stumbled across Zipdebt. I immediately called and after speaking with Charles I knew that this was the solution for me.
I would urge ANYONE who is drowning in debt and not sure what to do or considering BK, to at lease make an appointment with Zipdebt for a telephone consultation. My settlement occurred within 5 months of my last CC payment. I followed the seminar, word for word and honestly the CC companies reacted exactly the way Charles said that they would. I was afraid of how I would handle the telephone calls because this was suppose to be the hardest part, but they were not bad at all. I have only a cellphone so I was able to completely screen these calls and call the CC companies on my time. I settled appx $43,000 of Debt for about $17,000. In the end, a lot of people right now are declaring BK or their homes are being foreclosed, I believe that I was lucky that I left my home alone, took very little money out of it, and used the cards to make ends meet. I did not plan this but if I had not used the cards, i am pretty sure i would be dealing with foreclosure instead of settlement.
Thank you Charles.
Comment by J Rose — May 15, 2008 @ 4:23 pmAside from thousands of dollars Charles saved me - the program pays for itself many many times over - Charles provided what I consider the most important - PEACE of MIND.
Comment by George — May 16, 2008 @ 10:50 pmThe entire goal of all creditors is to suck out as much money out of you as they can. They LIE, they harass, they do not care about your health or family (nor should they). I could not believe how representatives of respectable organizations lied to me on recored calls. For example, one major credit card rep was insisting that their company NEVER settles for any percent, only full amount is accepted (they nicely settled for 40%), another from a different credit card was lying repeteadly about the date my account goes to charge off. I can provide countless examples of devious tactics creditors use to take out the very last dollar you have.
Well, Charles turns the entire process upside down - I am in control. I decide when to call and I decide what to offer. If any question arises, I email Charles, he replies within a few hours and provides solid, extremely knowledgeable help- since he sees hundreds of settlement letters, he knows exactly how each creditor works. One by one creditors back down, they become very nice and accommodating; in fact, among them are very kind and understanding reps. that work hard to make their bosses approve the offers I give. I settled anywhere from 31% to 40% - mostly because I felt confident knowing that Charles support and experience is behind me.
What’s interesting too is that closing deals with these ruthless credit card companies on my terms gives a sense of confidence.
Charles business is one of those rare gems of integrity and supreme value that are available to financially distressed people. I wish the very best to Charles and his Zipdebt!
Charles experience with debt settlement surpassed our expectations. He gave insight on how each creditor would react and was absolutely, 100% spot on. His insight was truly amazing, and his coaching helped us to move through the process with just wonderful success. Understanding how the creditors work behind the scenes helped us in dealing with them knowing what they can or cannot do. Financial distress can be debilitating and seem like there is no light at the end of the tunnel, Charles is that light. To anyone reading these testimonials I would strongly encourage them to take hold of the situation with Charles and his program. No question was ever too small and he was so supportive through the entire process.
Comment by Cindy — May 19, 2008 @ 8:56 amI simply can’t say enough good things about Charles and his program!
Comment by Linda — May 20, 2008 @ 11:04 amWe were facing bankruptcy for sure until we found Charles on the internet
and decided to give his program a try. The CDs alone were fabulous. They
opened the door to possibilities we didn’t know existed. And hearing his
advice rather than reading it helped because we had scripts playing in our
heads when we made our calls. But the best part of Charles’ program is
Charles himself! He personally went through our portfolio and told us how
to handle each account and when. His advice could not have been better.
And he was there every step of the way to assist and encourage. Overall
we settled at about 40% in just under 6 months! Go Charles!!
I have had a great experience with Charles and Zipdebt. I had three accounts totaling $17,700 in credit card debt. The bank had merged with another bank and all my debt was with one bank, which was a problem. I negotiated my debt as Charles told me to do, and within four months they settled for a total of $5,300 with the appropriate settlement letter. Charles was honest, upfront, patient and courteous. These qualities were well-received, because working with creditors is especially unpleasant. I would recommend Charles anytime to help anyone with their debt.
Comment by Neva Steffens — May 27, 2008 @ 9:59 amI do not even know where to begin… Charles Phelan is my hero! In September of 2007, I had reached the end of my rope and was drowning in a sea of financial despair. I had come to the conclusion that I was going to have to file bankruptcy and it was depressing to say the least. With the help of my sisters, we found Charles Phelan and began his program in December of 2007. By the end of December, we had already settled 2 out of 5 accounts!! For 25% of what I owed!! By May of 2008, the rest of my accounts were settled… only 6 months into his program! I had been in debt for years and couldn’t climb out no matter what I tried. And now, in just six months, I am free to breathe again… hallelujah! There is no way I would be where I am today without following Charles Phelan’s program. He is extremely knowledgeable and the advice he gave was flawless. He was able to predict with amazing precision the order the creditors would settle in, what they would settle for, what tactics they would employ, and what approach we needed to take with each of them. He was extremely accessible to answer questions, review settlement offers, and provide continuous advice and input. We followed his words of wisdom exactly as he outlined for us, and I couldn’t be happier with the end result.
If you are struggling and cannot find a way out, I strongly urge you to take advantage of what Charles Phelan has to offer. In addition to being knowledgeable, accessible, and informative; he is compassionate and empathetic. Trust me on this… he can help! I have gone from depression to euphoria and have regained control of my life. And what a beautiful feeling it is. Thank you Charles!
Comment by Eileen — June 20, 2008 @ 4:24 amMy experience with Charles has been one of complete satisfaction and absolute amazement in how well he understood and could predict exactly what the credit card companies would do. I volunteered to help my son and daughter-in-law to settle an accumulated debt of $230,000 on 17 credit cards. Their story was very similar to others who know all too well how out of control this situation can become, between juggling balance transfers, applying for new cards with 0% options, failing to make a payment on time creating huge finance charges of 29% to 32%, etc. Unfortunately, their bad financial situation was created by a failed business which caused them to pay their bills, groceries, insurance premiums, gas, etc. using these cards. After looking at various options on the internet pertaining to debt settlement, it became obvious that the cure was worse than the problem. The outrageous fees and length of time these companies took to settle debts was totally unacceptable. I again searched the net and found a website that had general information on settling debts yourself, and although I had a few successes, I quickly found that there was more to it than just calling and requesting a settlement. I was getting nowhere except frustrated. In my desparation I called a few attorneys who claimed to settle debts, and their process was not much better than these scam debt settlement companies. I began searching the internet again and by some guidance from above I found Charles’ website. He seemed to be the answer to my prayers and after speaking to him on the phone, I knew he was!! I felt immediately that he was honest, straightforward, knowledgeable and everything I could have wanted in guiding me through the horrific process of settling these debts. I followed everything Charles suggested and one by one over a period of about 5 months, all the cards were settled with an average of 31.3%! He gave me the strength and courage to be able to confront these companies with conviction and knowledge that if I stick to what he says, it will all work out - and it did. I could never have done it without you Charles. Thank you for your wonderful service and for being our life saver! Diane
Comment by Diane — July 1, 2008 @ 10:16 amCharles has been a God-sent to my credit card crisis. Back in August of last year I had more than $ 27,000 in credit card debt with 3 major companies. With the expert coaching from Charles, I was able to tackle the credit card companies one at a time. From the first time that I talked to Charles on the phone, he made me feel comfortable and real easy to work with. As I started to deal with each company, I emailed Charles and he responded in a very quick manner with how to proceed. He was always there to reply with any and all questions that I had. My first account was settled for 35% of my balance, my second account was settled for 43% of my balance, and my final account was just settled last month for 50% of my balance. So, the average settlement came out to 41% of my balances. In less than 1 year, I was able to finally resolve these debts with the great help and guidance from Charles. I always felt that special personal ( hand holding) with Charles through our emails. It was a great experience to go through, and I can assure anyone that is in need of help that Charles is the right person to go to. The cost for the program was very minimal for the all the savings that I received through his program. Thank you Charles, you have been fantastic to work with. Dieter
Comment by Dieter — July 7, 2008 @ 1:47 pmAbout a year ago I was around 14000 in credit
Comment by Randi — July 12, 2008 @ 9:10 pmcard debt. I had signed up with one of those settlement companies. and was very unhappy with them. They charged terrible fee’s and it would take forever to settle because they were pocketing most of my savings in fee’s. I had finally had enough and found Charles web site. Charles is a God send!! He helped me get rid of them , got 1/2 my funds back and a little less than a year I am now debt free. It was a wild ride but with Charles level headed advice , and his ability to help you feel at ease , I came through it.
I settled for around 40% of what I had owed, Thank-you Charles , your the BEST!!!
Charles has the answers. His program led us to an unemotional, accurate decision to settle our debt rather than utilize other options. We settled about $82000 in credit card debt for about 36%. We settled one of the creditors for 20% - that’s $50,000 for $10,000! We couldn’t have done it without Charles. We knew exactly what to expect and how to handle the possible situations. The key to Charles’ negotiation methods are patience. I can’t emphasize how relieved we are. Now the work begins. Now we’re in debt to ourselves. We have loads of retirement and savings to catch up on. Most of all, we’re not making decisions between medical treatment for our son or payments to creditors. Seems like a no brainer now; but at the time a so-called “excellent” credit rating seemed so important. But to drive home that it really isn’t, I just decided to change my cable service and they asked for my SSN to do a credit check. I went ahead and gave it to them. Now, I just blew my “credit rating” settling $82K in debt, so I was a little worried. After a few minutes, she came back on the phone and said my credit is “low” and that’s “great!” Go figure. If you have any reservations about using Charles’ program, you shouldn’t. It works, period. We started in October of 2007 (on our own), brought Charles in in January 2008, and were debt-free by June 2008. This is despite several mistakes we made in that Oct 2007 to Dec 2007 time frame. Charles helped us fix those. Now go get your life back.
Comment by John — July 17, 2008 @ 5:07 pmI began my journey March 08 I was about $198,000 in credit card debt I called a debt company and after the man emailed me the contract I began to surf the net to see if there
was a better solution Thats where Charles came in. The other company would keep all of my payments for fees for the first 36 months. At first I didnt want to spend the money on his course but am I glad I did. His course gave me peace of mind, it helped me get over feeling worthless and prepared me for my battles. This was a very difficult time to begin with but the education I aquired was priceless. It is July 28,08 and I now am debt FREE I settled my all 6 of my accounts for around $49,500 A savings of $148,500! I settled an almost $60,000 account for $8,994 A $22,000 account for $3300, A 12,000 for $4000, A 19,000 account for $7884, A $57,000 account for $16,800 and A $26,000 for $8,600. Thank you Charles!!!!
Every time I called if even if I didnt leave a message Charles always called me back.
Comment by Brenda — July 28, 2008 @ 5:48 pmI can now focus on living again. What a burden lifted.
My husband and I settled over $60,000 in unsecured cc debt within 5 months! Top that one! Charles was at my beck and call. What a savior! He walked me through every settlement, negotiation, letter, etc. We settled one of our creditors for 15%!!!! It was painless and easy…well, that one was. We did take advantage of the Interceptor ID and it’s helped tremendously. I found Charles on a fluke thing while scrolling some money websites and I took a chance. A huge chance. I thought to myself, “I don’t have the money to be spending to even do this program!” It is the best decision I have ever made. My husband was NOT on board and once he listened to the CDS and read the manuals, he too realized this was the best thing we could do. We feel free. Free to enjoy our lives, our son, and our financial freedom. Now we’re going to work on paying ourselves. Thank you Charles from the bottom of my debt free heart!
Comment by Trish — August 1, 2008 @ 9:34 amCharles,
Comment by Van — August 5, 2008 @ 12:42 pmWell, thanks to you, I’ve settled everything with the credit cards with the highest being XXXXXXX at 50% saved: $36,552; XXXXX at 35% and 40%: saved $39,537; XXXXXXX 40% saved: $8383.00; XXX at 20% saved: $119,486; XXX at 50% saved: $5,269.00. Total saved: $209,227.00. I know I’ll get a 1099 for this but it is still good.
Money very well spent on your program, the CD’s are great, easy to understand and your help was always quick when needed.
I highly recommend it, what a relief to have this over with.
I was so impressed by Charles from the very first time I consulted him about my debt. He was very professional but at the same time you could tell that he cared and really wanted to help us. He helped me understand all my options regarding the large debt ($80,000.) we had incurred with 3 different companies and then left it up to me as to which direction we wanted to take. In just under a years time we settled all the debt with his advice and assistance. This program works!!! I am a very non-confrontational type person and it was hard for me to stand up to the creditors, but with Charles support and advice, I was able to settle all my debts from 27-50%. Let me just say that if I can do it, anyone can. I learned that the credit card companies prefer to deal with you personally. The first company actually brought up settling my debt before I could and the agent told me “do not go to one of those debt settlement agencies, we do not like to talk with them and they are just going to take your money and piss us off. We will happily work with you personally.” I saved about $18,000. that I would have paid in fees to a debt settlement agency. Every penny of Charles’ program was well spent. I would have gladly paid two or three times what he charges. Whenever I needed his advice I just called his number and left a message. He always called me back right away, usually within an hour or two, but always the same day. I followed his advice to the letter and used his methods when talking to the creditors and it all worked just as he said it would. Thanks to Charles we are debt free and we thank him from the bottom of our hearts. This program and Charles have my highest regard and recommendation.
Comment by Treva — September 1, 2008 @ 11:11 amDear, Whomever is in debt .. Charles J. Phelan is without question the man
with the answers… Firstly my girlfriend , then I went boldly forward into
the ‘Bog’ that is the credit card . I settled on three cards, one at 26% under
his guidance,..many times lately I have told my story and looked into the
faces of others who are in debt, and they will not take a step toward
negotiating a settlement, because the companys have done a very
good job in clouding their rights.. and so to the ‘BOG’..
Charles and his CD’s will save you …he’s concise and up to
date…I learned
Honesty, Realism, and Respect ..
Best Regards
K H Pacific Palisades CA
Comment by KENDRICK HUGHES — September 1, 2008 @ 6:22 pmI must tell you my story. I was involved in a car accident, in which I was hit by
Comment by George Danias — September 2, 2008 @ 8:48 ama car walking home. I lost my pay, and I maxed out my credit cards to cover expenses.
I was missing credit card payments, and my APR jumped from 9.99% to 29.99%. The crdit
card did mot care at all. I was about to declare bankruptcy, when I read about Charles
in a national weekly magazine. At first I was spectical, and thought there must be a scam
going on. In the mean time,my debt went from 2-3K to about 30k in a 1 year period to cover all my expenses. I thought to myself, what have I got to lose. I called the 800 number, and within hours I got a call back directly from Charles himself. I thought, wow this is different. Some one says they can help me. No one else would touch my case. No friends, no attorneys, no banks, no associates, no one. Then Charles came along. I too think he is an angel sent to help people who suffered financial misfortunes. Following his guidelines, and instructions, I setteled my debtby about 11k. That is a savings of 29k. You would be amazed. This really works. When no one else was there for me, Charles said I will help you. I shall never forget you, and I have recommended his services to all my friends. I highly recommend this service to any one who wants to be debt frwee. Today, I am back at work, and living debt free now and forever. God Bless You Charles.
As an attorney who does bankruptcy petitions himself, I knew very little about the mechanics of debt or debt settlement. After listening to Charles’ CD program a number of times, I was able to settle most of my debt for 39% on the dollar and have saved about 160K dollars to date. Charles’ materials are excellent and will pay for themselves with your first settlement. I am very skeptical of internet material and coaches, etc. but Charles Phelan is the “real deal”. Buy his materials, listen to his materials SEVERAL TIMES and use his methods. Once you build up your set aside fund, go into action and change your life. Get that milstone from around your neck. I am well on my way to being debt free and have Charles to thank for it.
Comment by T.S., Tampa Bay, FL — September 18, 2008 @ 9:14 amI can only echo what’s been said above. We’ve all made some dumb financial decisions, and the credit card companies are only too happy to keep lengthening the rope. Add to that a slumping economy, rising health care costs…and you have a ticking time bomb. We were in substantial debt, around $45K owed to two credit cards, and by slowly, methodically, working with Charles, we’ve been able to settle for 30% on one and 50% on the other. It can be pretty nerve-wracking, but thank goodness for caller-id to screen incoming calls.
Comment by k — October 1, 2008 @ 1:56 pmCharles,
I wanted to thank you so very much for helping me settling over 100k in debt for about 33% of the original balance due.
I am almost done and I can not stress enough how your guidance and emotional support through the negotiation has helped me to negotiate my credit card debts at the best level possible.
I wish you the best and thank you for conducting business the way you do.
Best Regards,
Comment by Marc N — November 10, 2008 @ 4:23 pmMarc N
We are looking into improving our credit score, checking into the housing market, just got a new car.. and then I remembered that we owe all this to Charles Phelan. So, five months after our last settlement, I’m very happy to add my part in thanking and acknowledging Charles for the unbelievable transformation he has brought into our life.
Our business had incurred a major mishap at about 2000 and since then we were juggling debt between credit cards, depleting equity from our house, sure that very soon we would be out of debt and back on our feet - only to find it harder and harder to get back on track. Trying to avoid bankruptcy, the zipdebt program seemed most sensible, but it took us very long to actually embrace it. We started the program but did not follow it to the dot, failed, and went back to the hopeless cycle of paying minimums. It took more bad news to finally convince us that we had to be serious about getting out of debt.
Charles helped us on many levels. His program is very informative. Then we needed to know that it fit our personal situation, and Charles took the time of hearing us out, learning the details and answering our concerns. Finally, there was the mental block. My husband and I were very embarrassed about our situation and could not admit to ourselves that we would not be able to pay up all of our debt. Also, I just could not get myself to speak with the debtors, some of which were really mean. Charles offered kind words of encouragement and held my hand through it. By the end of the process, though I deeply regret ever falling into the pit we got into – this became a positive, learning experience for me, with personal growth (believe it or not!). I ended up negotiating with charm and strength and saved our family and business about 50% of the debt.
Several months later I realize that it’s more than money that we saved. We really have a new life now. Instead of dealing with past demons, we are planning ahead, looking into a pretty good future.
Having said all that, any word of gratitude or appreciation sounds understated. So here is a very humble, understated – thank you Charles.
Comment by N. Minor — November 11, 2008 @ 12:59 pmHi Charles,
Just wanted you to know that I purchased your seminar earlier this year. After 18 years in business, we started to see a shift in our industry and then in the economy. Normally business always has ebbs and flows and I’ve borrowed in the past to cover overhead, but I was always able to pay it back. This time the downtime wasn’t rebounding. Subsequently I amassed over $240,000.00 in credit card debt (13 cards) to cover payroll, marketing and inventory. I made a HUGE ERROR IN JUDGEMENT!
To make a long story short, I’ve settled about $190,000.00 for about $70,000.00. Initially it was extremely frustrating, especially after having a stellar credit score. I took every call that came in. (Big mistake!) I probably received close to 500 calls and spoke to over 150 individual collections people during a 6 month period. I thought that if I showed that I wasn’t avoiding them, they would be more sympathetic. Some were, some weren’t, all just trying to do their job.
You mentioned in the seminar, “do you want to have a good credit report or get out of debt?” That was a hard pill for me to swallow, but it made sense. Thank you for removing the fear and giving me the confidence to forge ahead by giving such excellent information.
We still have some hurdles to jump and with the economy tanking, I definitely have to reinvent my career. Everyone needs your program so that they can truly know what their options are.
Thanks again!
Comment by Al — November 26, 2008 @ 8:47 amThank you, Charles. I could write a lot, but I want to keep it short, so hopefully people will read this…
My debt was over $50,000 to my credit cards. Your guidance, knowledge and coaching helped me empower myself and negotiate to a settlement of just over $12,000. It’s truly incredible and had I not known you, I would believe it to be impossible, but after my experience with you, in the midst of my gratitude I was laughing at myself for ever living in fear of my debt. Thank you for teaching me to take care of myself.
Scott
Comment by Scott — January 30, 2009 @ 12:23 pmCharles,
My final payment to evil corporation X was posted last week. What a relief!! I can’t speak highly enough about Charles and his information. My wife and I settled approximately $40,000 in credit card debt for a little under $15,000. That is a savings of $25,000 and years of repayment. This took around nine months to complete but it was totally worth it. A couple of things that I would suggest would be to get a Skype number and set it to automatically go to voicemail. Follow the plan to call back on your schedule and you will not have a problem with having to constantly worry about the companies calling. That strategy worked perfect for me. Don’t be afraid of these people. You can do it!!
TC
Comment by TC — February 2, 2009 @ 1:42 pmIn 2006, I had four credit cards totaling $38,000. I bought Charles program (so glad I didn’t waste giving money to some company to do what I did myself) Have had the following settlements:
$4277…settlement offer came after five months for $1949. Paid it.
$18,901…interest built to $22,000 by settlement time…$8520 (!!!!) settled after 17 months
$10,430…interest built to $15,000 by settlement time…received court summons (eek! that was scary!) after 29 months…but I called them and settled for $9400. Court case is closed as of today!!!!!!
So, $34,000 in beginning debt…settled for $19,869. THANK YOU, CHARLES! If you can come up with the cash at the right time, this will work for you. You don’t need nerves of steel, either, because I certainly do not have that! Funny enough, my credit score is still in the mid 600’s, even though I haven’t made a card payment since 2006! Not that I care too much. I’m just thrilled to be out from under that debt.
Have one card left for $6000 and that won’t be a problem, either.
And I have changed my whole outlook on money and being impulsive! I don’t even want to spend money anymore, and when I do, it’s well thought out and NOT impulsive!
THANK YOU!!!!!
Comment by Chris H — February 4, 2009 @ 11:37 amPurchasing Charles program is one of the smartest investment I ever made. With lesson learned from the program and also guidance from Charles I was able to settle over $120,000.00 worth of unsecured debts for $47,000.00 and within 7/8 months. Do it yourself debt settlement works and there is no reason to pay any company to do settlement that you can do yourself.
Thank you Charles, you definitely saved us from Bankruptcy and relieved us from the huge debt load.
Comment by Abdullah M — February 18, 2009 @ 9:15 amThis is a great program! I am a VERY cynical person, but after wallowing
in debt for years, and even considering bankruptcy, my wife and I
enrolled in Charles’ program. We have been involved for only a couple of months,
but have already settled two accounts, saving ourselves $13,000 in the process.
We still have several accounts to work on, but are starting to see the light
at the end of the tunnel. Once everything is taken care of, we will have
an extra $3500 per month in our pocket. (Money which was going to credit card
companies in the form of minimum payments.) Charles is great to work with,
is very knowledgeable, and very understanding.
If you are thinking about this program, I say “buy it,” settle your debts, and get on with
Comment by Tim — February 23, 2009 @ 8:54 amyour life! That is our gameplan from NC; we look to be free of credit card debt by the
end of 2009.
Hello Charles —
As promised, I wanted to give you the good news. After 20 months, I’ve negotiated the last of 7 settlements for my brother & sister-in-law.
Today, I sent the final settlement check. It went to a very well-known Credit Card provider and was settled @ 25% of the outstanding balance.
Collectively, we paid out a total of $12,776 on a total debt balance of $59,092. (This is the “inflated” total that includes late fees and accumulated interest. The beginning debt balance was $53,925).
To put things into perspective, had we done nothing but continue to make the minimum monthly payments on this debt, we would have paid out $27,920 for the same 20 month period without making any truly significant progress in debt reduction. That just boggles my mind.
Needless to say, this would not have been remotely possible w/o you and the ZipDebt program. Our expenses in the matter, including the cost of your program total $859.38 …… One could not make a better investment.
We wish to extend our very sincere thanks and heartfelt gratitude to you. Your program is second to none; I would want anyone considering your program to know that you are truly a man of your word.
Best Wishes,
Comment by Tom S. — April 6, 2009 @ 7:41 amTom
After years and years of being suffocated in debt and NO END in sight, I finally made the decision to do something about it. I researched many different debt settlement options and finally felt the best was thru Charles at ZipDebt. By handling the negotiations myself, I not only saved $1000’s of dollars, I gained a strenghth and courage level that I never I knew I had. Just knowing the proper strategy, what to expect on the other end of the phone and knowing that at any time, help was just an e-mail away, gave me the confidance to finally end my debt burdened situation. I owed just slightly over $80,000 to credit card companies. My minimum payments made NO DENT whatsoever and in fact, because the credit card companies kept jacking up my interest rate (even though ALL my payments were always on time), my balances kept rising. Within 4-6 months of starting the program, I had negotiated ALL my debt down to $30,000 and change. I literally saved OVER $50,000 in debt which would have calculated to over a million dollars in payments had I kept going at the rate I was. THIS IS NO EXAGERATION.
I sleep better, I feel better and my financial future is more hopeful than ever before.
It was scary at first, every new venture is, but once I made my first call and was PREPARED,and, it went down exactly how I was instructed it would, I was on a roll! Charles was there EVERY STEP of the WAY! He is quick to respond (many times the same day) and clear and concise in his responses. I could not have done this without him and the result NEVER would have been as good had I tried. His understanding of the banking industry, the different credit card companies, what each unique one typically settles for and how to approach them is the true SECRET WEAPON in the negotiations. This knowledge and guidance is priceless.
I COULDN’T BE HAPPIER OR MORE GRATEFUL!
This program is a true bargain.
Comment by Laura W — April 10, 2009 @ 10:52 amI’m a smart guy that got myself into a hole.
But just because I’m smart, it doesn’t mean that I’m immune to the emotional issues that we are confronted with when we have to deal with our personal finances. Specifically, the shame and the tendency to let our problems fester until it’s too late, or vice versa.
So about a year and a half ago, things caught up with me. I realized that there would be know way that I would be able to dig myself out of my hole. It might not collapse and bury me, but understanding the reality that people just don’t work in the same place for 10 or 20 years anymore, I knew that the possibility of being buried was a legitimate one. Like most of you, I spent endless hours googling about this subject. I could not find one resource that I trusted. Finally I came upon Charles’ website.
And I admit I did not trust Charles either.
But it was a small fee for the basic program. Small in comparison to my monthly interest payments.
So I signed up. Immediately I was impressed with Charles’ responsiveness. No hype, no BS. Just the kind of matter of fact, level headedness I am used to in my business world where I pretend that I am one of the smart people that does not get themselves into stupid situations.
Now, it’s been a while since I started the program, I don’t know if he has change his menu at all, but what earned my respect was that he was right up front that he is not there to upsell anything. Yes, there are different levels of service he provides, (and he may delete this because) but he actually stepped up on a couple of occasions to provide certain services that were beyond those that I had subscribed for.
This is a guy that had been in the full service business of settling debts. He’s been there and done that. Knows the inside and outs.
If his method is not right for you, he tells you. This made me confident, because he is relatively specific in addressing those situations. So listening to him describe situations that are not appropriate for his methods, I felt confident that his plan was right for mine.
And it didn’t hurt that he answered my emails when my first S&C was nailed to my front door. This is not an easy situation. Its not for everyone. I can’t say that its for you, but if you are sitting where I was a couple years ago, I can tell you that the money is well spent whether you follow the program or not because at the very least you will understand what the game is about and if you hire someone to help you, you will be much better prepared to evaluate the person you hire and ask the proper questions. .
Good luck to you and Charles, thanks again.
Comment by Gary — April 11, 2009 @ 9:44 amI can’t say enough good things about this DIY program. We were barely keeping our head of water with about 75,000 in debt and have settled all of our CC’s for average of 40%. We saved so much money by not hiring a Debt Co. and using that money to settle our accounts much faster. This Seminar is very complete and goes through the process from beginning to end. And the email support is priceless. He responed to every question within 24hours usually less. Going through this is process can be very stressfull with many questions and doubts that pup up and having someone to answer your questions in a timely manner goes along way. Charles knows his stuff.
Comment by Sharon R. — April 17, 2009 @ 6:53 amThanks Charles
Sharon
Charles advice has been absolutely essential to help me get the kind of results I achieved! I had a total debt that inflated (with all the outrageous interest rates and late fees) to over $223,000. Charles was somewhat conservative on his estimate of what I could settle this debt for when we started…. He indicated a 40% to 50% settlement. To my delight; I was able to settle with my creditors for 15% to 50% with an average settlement of 33% (total settlement was $73,000.) He absolutely over delivered upon his claims!
One other thing that Charles did that really impressed me was that he always responded very quickly with detailed emails on suggestions on how to deal with each creditor at that particular stage.
I would like to point out that I have always had 800+ perfect credit and have never been late on a payment my entire life. All that changed a few years ago when the Michigan economy started to crash and my real estate portfolio of half a million in equity suddenly became massive debt. The reason I mention this is because I still consider myself an honest and very hard working person and am not used to dealing with some of the scummy, lying debt collectors I had to deal with. Charles course material clearing outlined these debt collector tactics and allowed me to (silently chuckle) at the collector’s threats instead of going into a panic. Knowledge of the process gives you the confidence you will need to succeed.
My only advice to add to Charles material (and maybe he already said to do this, I forget) is to keep a journal of every conversation you have with each creditor. If you are dealing with many creditors like I was, you will easily forget essential settlement figures that you have discussed with them and you don’t want to give them a figure that is different from what you mentioned previously. The creditors keep a journal and you should as well. Also, outline a plan of attack on paper and check off each step of the plan that you accomplish so you can clearly see your progress.
Thanks again Charles, your service is awesome!
Comment by Ken Y — April 22, 2009 @ 11:13 ami had over $55,000 in credit card debt and was really a loss as to what to do. i looked at a lot of different options online and was almost taken in by a number of scams. this was my first time venturing into this world of drowning in debt and i really didn’t trust anyone. honestly i was VERY skeptical about pretty much everything out there. i finally became convinced that debt settlement was the best option for me. Then came the decision of who to go to. as you know, since you’re reading this, there are tons of options out there. i talked to several debt settlement companies and they all sounded great but required some pretty hefty fees. Then i stumbled across Charles’ program. honestly i really didn’t think it was going to be that great but i decided to go for it because the price was so reasonable compared to all the others. Seriously, i was blown away by the quality of the materials, the clarity of the presentations, and the excellent service. I simply can’t urge you any stronger to go for this program. this is the real deal. Charles was great. After I sent in my money, i got the materials and started listening to the cds and putting the principles into practice. Then came the real test - i emailed Charles about a question i had. To tell you the truth I really figured that I wouldn’t hear back at all - after all, he already had my money. What were the odds that he’d actually follow up on my emails once he had my money? I was blown away. He responded within hours with a DETAILED, thoughtful response. It was so cool. The end result? In six months i was able to eliminate well over half my debt using Charles’ program. I can’t emphasize this enough…THIS IS NOT A SCAM. THIS IS THE REAL DEAL. i’m a real person out there who was helped by this program. why am i taking the time to write all this? because i know how skeptical i was and i can only hope that by reading this, you will have the confidence to GO FOR IT! DO IT! you definitely will NOT regret it.
Comment by Bill D — April 23, 2009 @ 11:06 pmThanks again Charles for what you’ve done for me!
THANK YOU THANK YOU! Your program was such a a great help!
Comment by Isabel V — May 4, 2009 @ 9:42 amI had contacted a service they were so overpriced and I coudl not afford
topay that money. I figured the program would be able to do it myself.
At one pointI thought I might have to file for bacnkrupcy but thanks to
your easy to understand proagram I have avoided it.
I was skeptical at first, but after reading, listening to the cds and getting
the reassurance of being able to speak to you via phone or email,
I have settled the last of my 6 credit cards. My ending credit card debt
total was $143,053.00 I sucessfully negotiated that down to $46,232.00 plus
they let me pay it off in 4 monthly payments too! That being said, all my credit
cards averaged about 32% payoff. It took me 5 months to from start to finsh.
I am now looking forward to getting my credit back on track and keeping it
clean and clear for. Again, thank you so much for helping me with such a tough
& stressful situation!
Just finished negotiating the last of our eight credit card accounts. We completed all negotiations before charge-off at an average of 35%. We followed the program and used the follow-up with Charles to confirm our approach and not jump the gun and settle too early.
We started with $80K in debt, which rose to $90K once the process began, and we settled all accounts for about $31K. This program met our expectations and from the start in November 2008 to completion with the last payments here in May 2009 the process was relatively quick - especially compared with how long it would have taken to pay off the credit cards by paying the monthly minimums.
Thank you Charles - I have already recommended your program to others!
Comment by Dennis — May 6, 2009 @ 2:40 pmMy credit card debt was over $83,000. My total minimum payments were over $1350 per month, so I had to use my credit cards to purchase groceries, clothes, and pay utility bills. I read an article that Charles had written about debt settlement, what it is, what it does to my credit, and how it affects my life - good and bad. I decided to purchase his program and be coached by him. After all, it was a one-time fee and was an extremely small fee for the amount of money his program would help me save.
I used the techniques I learned from the materials I received and from our coaching sessions. He told me what to expect, how to present myself and how to handle any possible outcomes of the calls. Because of his coaching sessions, and email messages, I stayed confident during each call, even when some creditor reps became belligerent. Within 22 months, I settled my 10 credit card accounts and paid an average of 45% of my original debt! I am completely credit card debt FREE.
If it weren’t for this program and for Charles’ experience and knowledge, I would have been paying my credit cards off for over 10 years (if I never bought anything new). Now, I’m saving for my future, because, thanks to Charles, I now have a future.
Comment by A.S. — June 22, 2009 @ 8:58 amIn August 2008 I was lucky enough to stumble upon this website just
in time to pull the plug on a debt settlement company. I figured as much money as they were going to charge
a few hundred bucks was worth the risk. Of course I had no idea if debt settlement could work or if Charles
was for real or not. I bit the bullet and purchased the course and have not looked back. I just settled the
last of 7 accounts totalling $124,000 for $39,773 in 11 months. If you are serious about eliminating your
debt this is the way to do it. Its not easy and it takes patients. There is a specific process that works
and that is why I am the 55th person on here saying “thanks” to Charles. When you stop
sending good money after bad (stop paying the banks) there is a very predictible process that begins.
Charles has this stuff down to a science. He takes emotion out of the equation and shows you the cold hard
facts. Don’t be like everyone else and work for your money. Make your money work for you!
I know it sounds super scary for someone who was juggling credit line after credit line, robbing peter to pay
paul worshipping the almighty credit score. It is a specific roadmap that, if followed, will reach its
intended goal. I’m telling you, I was up to my eyeballs in debt. A good week for me was when I got a new
offer to open up an account so I could free up some money (debt) from a maxed out line of credit. It was
just an endless cycle. Draw a line in the sand, purchase this program and live the way YOU want to!
Thanks Charles for being one of the good guys and not just delivering on your promises, but over-delivering!
My future, my wife’s future and my two beautiful daughters’ futures will be much better off because of you and
your program.
Very best regards,
Comment by Mike M — July 21, 2009 @ 7:58 amMike M.
August 13, 2009 Today I’m 61,000 pounds lighter than I was in March. That’s how I feel anyway…In March 2009 I was searching for a way out of my $106,000.00 of debt. Once I read Charles’ 32 page report it made sense to me and I made the decision to “do or die”, I immediately began the program and here I am 5 months later having shed $61,000 of debt SIXTY ONE THOUSAND DOLLARS! I had 5 credit cards totaling over $106,000, I settled all five accounts for $45,000.
This was actually the most stressful time of my life and Charles helped me navigate through this uncharted territory with his calm matter of fact knowledge. At every turn and with every question I had I received the answers and guidance I needed to reach my destination.
August 13, 2009 I have arrived! Ready to Rebuild!
Thank you from the bottom of my heart!
Comment by Kathy K — August 13, 2009 @ 6:37 pmThank you so much Charles. My bank was aggressive and challenging at times, but you steadied me continually. I might even say you are a miracle worker! I was living in debt for close to ten years. Now, I’ve been able to settle for a low, manageable amount. One thing is certain: I couldn’t have reached my fantastic result without your help. You truly have a unique and effective service.
Comment by Matt K — August 28, 2009 @ 8:27 amHi Charles…
I again want to thank you so much for your outstanding program.
Comment by Terry Wood — September 13, 2009 @ 10:18 pmThis has been a tremendous blessing to me and my family. At the beginning
of this year, we were mired in over 100,000 dollars worth of credit card
debt. I found you and your program by God’s grace and I followed it
very carefully, with much help from your great email coaching, which I also
heavily relied upon. Well, as of now, I have settled about 90,000 dollars worth
of debt and i’m almost done. I have two credit cards left and can finally see
the light at the end of the tunnel.
Your program is such a great service to people who are in stressful
debt situations. You are really truly helping people. And I felt like you
were my friend in that you were always there for me, whenever I needed some
quick advice in dealing with a certain creditor or negotiation. It was
invaluable to have access to your insight and knowledge. I would so highly
recommend this service to anyone who was in my situation. And I would steer
them away from all those “debt settlement” companies which are just trying
to take money from this situation.
This strategy and program really works. And as you said, it is an
honorable and legitimate way out of tough debt situations. But you need
to know how to do this and your program provides all you need to know.
And if you miss something or forget something, you can always get a
friendly email response to questions. It was perfect. Thanks so much.
I cant express my thanks to Charles enough for helping in getting contol of my finances again. As with a lot of people I thought that
Comment by Carlos R. — September 23, 2009 @ 12:59 pmthe “good times” would last for a while… Then wham, eveything came tumbling down late last year, including
my stock portfolio….Like a lot of people, I had gone way over my head. I had bit a lot more than I could chew. But when the reality sank
that the the next big job or project that I was banking to get me out of trouble never arrived and was not going to any time soon
it dawned on me that I had two choices:
Worry myself and my family until kingdom come and remain cornered or have the humility to accept help from someone and the courage to take action.
Talk about a huge dose of humility. In my darkest financial moment is when through the Grace of God and a lot of internet research that
I found Charle’s program the day I was getting ready to send my accounts to a settlement company I saw advertised on TV. I decided to
trust him after personaly speaking with him about my situation, reading previous reviews and realizing that there were no hidden strings or
trickery with Charles. He was a straight shooter. I told myself I wanted the same financial freedom that other people were writing about.
So I did EXACTLY what Charles said and put aside any preconceived notions and judgements I may have had regarding credit card comapnies
and settlements. I came at this with a complete open mind because my best thinking got me in this to trouble start with. I started Charles’
program last October 11. I settled the last of my credit card debt last Friday,September 18th. By simply doing EXACATLY waht Charles said,
I was able to settle $71,851.56 for $17,925.00 for an average settlement rate of 25% over 7 credit cards with three major banks.
It took some time and some wheeling and dealing and discipline to save the cash, but I did it and if I could do it, so can anyone.
Trust me. Charles was available whenever I had any questions. He was accesible over the phone and the internet
and always got back to me within 24 hours. After a while, I really got the hang off settling with these banks so I would just listen to the
CD’s over and over again in case I forgot anything. I have not used a credit card since last October and will never do so again. My credit
score will eventually imporve and I save cash like never before. I finally have control of my finances, not the other way around. If I do not
have the cash to buy something I wait until I do. That simple. Please take a chance on this program. The only thing you have to lose is
compounding intrest of 20% - 30% per year! Again, from the bottom of my heart, Thank You Charles.
I didn’t read all the comments above but will keep it short & sweet.
Charles’s program was a lifesaver (literally). I did some research on the web and saw various companies offering settlement services that would have cost me a fortune had I gone with them. Instead, I got the expertise and experience of someone who has seen it all at a very reasonable price that was WELL worth the cost.
For someone willing to follow the program and take some time, I would highly recommend using Charles’s services
Comment by Doug — September 30, 2009 @ 11:49 amLast December my finances were bad but I would be able to survive. I could make the minimum payments but no more. The breaking point came when one bank was bought/sold or whatever banks do to another one that moved my rate up and then it happened again within a few months. In the end one of my credit card went from 12% to 30%. At that time I was about a total of 52,000 in credit card debt. I couldn’t make the minimum payments so I called the bank for some help and was told that “no plans are available that would help” so I called another one of my cards that had enough open credit to close the first account. After speaking with them they cut my credit line down and raised the rate the following month. This was a domino effect. My credit score was over 700 but I couldn’t get credit because my expense to income ratio was too high.
Comment by Sean — October 3, 2009 @ 12:15 pmLong story short, I ordered this course in March. I listened to all the CDs before calling Charles (you need to do this) and he walked me through how to do each credit card and what to expect. It is now the beginning of October, I settled one card that was 2300 for 1100. I settled a second account that was almost 17,000 for 4000. I am just settling with another that has 26,000 and their settlement amount was for 6,350. For the final credit card, we agreed on a reduction on the principal amount, lowered the rate to basically 0 and is giving me 60 months to pay it in full with no changes.
Charles tells you places that you can get the money needed to pay your bills. I did not know that I could borrow money from my retirement account.
This is not an easy process. The credit card companies want you to pay up and stay in debt and they don’t mind making you feel bad in the process. BUT there is something that feels good about handling your own problems. I’m at the end of the process and it feels good.
On a side note, every time I have emailed Charles a question (when I became confused about what representatives said to me or they changed their collection tactics) I received a response within 24 hours (most of the time the same day).
I just finished paying off my last credit card! I started 7 cards with a balance of $85K and settled them for $32K. I bought Charles’ program in January of 2009 and my last payment was October 2009.
Charles was honest and upfront about what it would take to become credit card free. For anyone who has doubts…research the internet. There are plenty of scams out there. Charles is the real deal. Make the call and get your life on track. Charles can help you on your path to financial freedom. Do not worry about your credit score or what people think. There is not a better feeling than knowing that you are one step closer to becoming financially independent.
Thanks Charles for all your help.
Comment by Ryan Leith — October 8, 2009 @ 2:28 pmThe biggest fear I had going into this process was the fact that I wouldn’t have enough money to settle all my accounts timely. What would happen with those creditors I didn’t have money to settle with? Having to deal with a lawsuit crossed my mind. This program answers that question by detailing all your options at any stage of the process. Once you understand ALL your options from settling before charge-off through dealing with a lawsuit you’ll realized they are far better than the situation you’re probably already in, given the fact that your reading this blog.
I too was reading these testimonials about 9 months ago consumed with what seemed to be an impossible financial situation while at the same time wondering if I’d be posting words of scorn or praise after purchasing this program. It’s the real deal but you’ll never know unless you buy it! You must go with the coaching too because Charles will provide invaluable information regarding your specific situation. If you’re still skeptical, order the middle tier package with 6-month coaching and the option to renew. I guarantee you will renew!
Here are my results:
Comment by Ron — October 14, 2009 @ 11:20 amTotal debt between 6 creditors of $155,474
Settled 5 at an average of 36%. Saved $75,574
The last creditor waived about $6,000 in interest and fees and setup a 5 year payment plan at 0% interest. First time in 10 years I’m not seeing a negative number at the end of my monthly budget!
I started 2009 making a resolution that this would be the year for me to get out of debt. After much deliberation, I felt the only way out was with a bankruptcy. I spoke with an attorney and started working on the voluminous paperwork she provided me with. Two days before filing the actual papers, I decided to try debt settlement. There were dozens of companies out there promising to do the debt settlement on my behalf; this made no sense at all and I knew that many companies simply take your money and do nothing.
When I came across the Zipdebt program it seemed to be the perfect answer for me. I emailed Charles and we spoke and then I knew he was the answer to my prayers. No question was too dumb and his responses were always very timely.
I knew that debt settlement would work for me, but I was very hesitant making the first calls. And of course the onslaught of calls from the cc companies was daunting. However, again Charles allayed my fears and this helped me to face the devils. In fact, by the time I settled the last account I was having a little fun with the creditors at their expense! I gained so much confidence throughout this 6 month ordeal that I feel very empowered.
Charles was a godsend in every sense of the word. He knows his stuff in and out, he knows the way creditors’ minds work (and don’t!) and he knows exactly what to do in any given situation. The only regret you may have about taking his course is not doing it sooner!
I started off the year with 6 creditors.
Total debt $21,500
Settled $7,170
Average settlement 33%
Saved $14,330
Gained - Sanity, peace of mind, a clear conscience!
Charles, you are AWESOME! I cannot thank you enough.
Comment by Janice — October 22, 2009 @ 12:36 pmWe are so thankful for finding Charles and his program. We had just signed up with a settlement company (scam) and made our first very high payment. We found this program and emailed Charles with many questions and he graciously answered everyone. We cancelled the other and signed up with this. That was in March 2009 and we were in a little over $40,000 debt, 5 cards. On November 30 2009 we will make our final payment and be credit card debt free! All of our settlements were under 45%. It was persistant work on Kenny’s part negotiating, standing firm not giving in, and putting up with a lot of talk on their part. But he listened to Charles’ advice and paid attention to the program. It really is not that hard if you will be patient and persistant. Thank you Charles for your patience, kindness, knowledge, and even at times the reprimands of the mistakes. You kept us encouraged, on track, and you are truly a blessing. This program is for real and doable. It was the best investment we’ve made in a very, very long time. And the returns were awesome! Thanks Charles for everything.
Comment by Kenny & Stephanie P. — November 3, 2009 @ 8:33 amEarlier this year, I visited my daughter who had a large debt after a lengthy and contemptuous divorce process. She was left with very limited financial resources. Credit counseling advised her to declare bankruptcy. I told her I would try to find a way to settle her credit card debt of over $55,000.00 without bankruptcy. I contacted several companies that said they would settle all her credit card debts but they wanted a large fee up front with little promise as to the results. Then I found Charles at ZIPDebt.com who said that he would show me how to negotiate with the creditors myself. I enrolled in the Premium Program (I wanted the 12 months of support). I was intimidated and scared to deal directly with the collection agencies, but Charles’ program taught me how they operated and what to expect from them.
Then I sent Charles all the information regarding the 14 creditors I had to deal with and he advised me as to the strategy to use for each one. I was still scared but I felt more comfortable as time went on since I knew exactly what to expect from them and how to respond. As I went through the process, I checked in with Charles and we updated the strategy for the remaining creditors based on the situation as it evolved. This ongoing support was critical since the situations are never static. Charles was RIGHT ON. Within 10 months, I was able to settle all the debts for 42 cents on the dollar with a savings of $32,000.
Bob Smith, San Mateo, CA
Comment by Bob Smith — November 12, 2009 @ 10:02 amDiscovering your seminar has been a major “game changer” in my life. 6 months ago, I was literally enslaved to 4 pieces of plastic, forever treading water and never getting ahead (insert any and all of the other stories, right here). Having never been in an adversarial position with creditors before, there was no way I would have had the knowledge or courage to take on and negotiate with these people, myself. Your seminar gave me the power to stand up and take control of the situation. It was simple, detailed, complete, and packed with “how to” – you may need to change the name from “program” to “recipe”. Step by step, I followed your method and today, I’m free to save for my future and enjoy my present. My average settlement was 35% of my balance, totaling nearly $30,000 in debt elimination. Charles, in addition to your wealth (yep, that pun intended) of knowledge, thank you for your professionalism. Your support (including timely “atta girls”!) was invaluable in remodeling my life.
Comment by Kim, CA — November 30, 2009 @ 12:13 pmI started the funding of a new business venture with zero percent and low interest balance transfers from a bunch of different cards I had built up a good credit line with. I was bravado in thinking i could pay everyone off. Well the economy took a nose dive as I opened my business. And I was getting killed by just paying the minimums every month.
As the economy continued to stay stagnant, and my bills kept growing to the tune of $210,000 dollars to over 6 different banks, I felt like I wanted to throw up everytime I thought about what I got my and my wife into.
I did some researching on the internet, and the money I invested into paying for the zipdebt course, was truly the best money I ever spent.
I was so worried that the banks might view the money I borrowed in a different light because it was balance transfers. The companies all followed suit , just like Charles had said.
I went from getting bombarded with over 50 phone calls a day in the first 30 to 60 days, then funneling everyone into the voicemail trap. I actually didn’t call any of my creditors for over 60 days because I was so nervous to talk to them. Then I sat down with my headset phone, and diligently started calling each one. The coaching Charles provides is so important, because it build confidence. Then when you speak to these companies, you are not afraid of anything.
I also had to deal with card companies in which my wife was the primary or only card holder. She would get on the phone and just authorize me to speak on her behalf. So, it worked great!
As the months passed, I was able to peacably take care of so many accounts
$194,476 total settled with $57,554
at a rate of 29.59% percent
the original balances were $175,247. the principal and penalty growth seems like alot in 6 months, but nothing compared to the savings achieved.
I am still working on closing out the rest of the cards, and never get into debt again!
If you are hesitant to buy into the program, then you don’t want to help yourself. This is truly the best way to be rid of debt, and rid of the credit card companies.
So from someone who bought in, didn’t exactly follow the path because of fear, then got on the right track and has seen amazing results… I am a believer.
Comment by Samuel Chon — December 2, 2009 @ 4:43 pmThank you Charles!
I started Charles program on October 2008. 114k in debt split amongst 10 Credit cards. I was able to settle 9 of 10 cards for 43% of the starting balance (36% if you include the interest and fees they tack on during the 6 month settlement period). I tracked the amount of time I spent on those settlements which came out to about 600 minutes and 50 phone calls which averaged out to 5 calls per card. So doing this myself i earned about $8k per hr. I recommend charles over any of those scammers out there.
Comment by nathan — January 4, 2010 @ 4:17 pmIf anyone is considering using Charles Phelan’s program, I am here to tell them to listen to him and start the program immediately. Charles is very professional, the training materials are right on, very logical, and prepare you for every contingency for the duration of the program.
I started the program in December 2008 with $106,000 in debt over seven cards. Within 6 months, I had settled all but one, which didn’t enter the program due to a grace period until May. By November, I had settled all for $39,000 total, ranging from 30% to 50%. Charles was with me every step of the way, and I have zero balance on every card with the innocuous statement “Settled for less than full value” on my credit report.
So read what Charles claims, he over-delivered on his promises in every way. What a fabulous program that works if you work it with his guidance. And goodness, is it a “rush” as you settle on each card!
Comment by Bob B — January 6, 2010 @ 5:21 pmThank you Charles for all the information that I would never have had access to. It was quite a relief when I returned various credit card company phone calls and I knew what their next move was going to be.
Comment by Joe Jeffers — January 12, 2010 @ 1:14 pmWe settled $77,500 worth of credit card debt for just under $25,000. Some settlements were even lower than I expected after my conversation with Charles. Others were right at the percentage I expected. All cards were settled a week before charge off.
Zip Debt gave me the confidence to deal with these big companies and to have some idea of their agenda, procedures, and timelines. I researched other websites that offer resolution to credit card debt and I am convinced Charles offered the best, and most affordable, plan possible.
Believe what Charles says, he was absolutely perfect.
Thank you Charles.
Joe Jeffers
Charle’s program was a godsend. I was thinking of negotiating my own debt settlement but had no idea on where to begin. I was ready to hire a debt settlement company but the more I researched them the more I felt they were shifter then the credit card companies. Through Charles program I was able to negotiate my debt with four banks seven cards) down to 40% of what I Owed. Thanks Charles! It would have been much more difficult to do it without your program.
Comment by Mike T. — January 26, 2010 @ 11:51 am1. It’s not rocket science. . .
2. It’s not for the faint of heart. . .
3. It’s not possible to do without some professional help.
I did not know anyone (friends or family) that had the type of CC debt that we had - $90,000. (However on this site I feel like a little guy!
This debt was crushing my family, $2,000 a month in minimum payments with over $900 of it going to interest.
I had actually already signed with a debt settlement service and agreed to pay the 15% ($13,500 in the first year)it was a 36 month program. Luckily I was still in the 30 day grace period so I could back out. Charles explained the disasterous results I would have from that time frame and how the service did not really care about my results as they were paid (in FULL) in the first 7-8 months. . .
The VALUE of Charles program is unparallelled. There are no words to explain how confident you feel once empowered by the “tricks” of the trade as well as having the process layed out as a “path” and watching every thing go just as specifically described by Charles. Not to mention the piece of mind of his “reviews” of the settlement offers to verify that you are not being took by a shady DC Company.
Charles has a unique perspective as all of his customers (me, you, us) daily updating him on their situations and what their bank cards are offering/saying. He is a central repsitory for this priceless information and can process all of it to give you the best, most informed guidance on your specific situation (as he has already seen the same situation played out somewhere else)
I bought the program, I am EXTREMELY pleased by the results, and you CAN SETTLE YOUR OWN DEBT, if you follow the advice of Charles/Zipdebt.
9 cards, over 90K in debt, settled for a smidge over 50%.
It feels good to be out of debt, better to know you did it yourself.
Comment by Rich D. — February 23, 2010 @ 5:42 amI definitely agree with the 3 points Rich makes in the beginning of his post above. I heard about debt settlement just about the time one of my creditors raised my minimum payment from $400 to over $1,500/month. I seriously considered attempting the process myself as I was in sales management negotiating large deals before a disability knocked me out of the workforce. I did not realize what a difference it made in the stress levels when it’s your own money you’re negotiating. Many times since, I have thanked my lucky stars that I ran across Charles’ program about the same time. For what the program offered, at the cost of the program, I considered it a no-lose proposition and signed up.
We had approximately $75,000 on 5 credit cards that had reeled us in on the “zero balance up front” strategy. Unfortunately, when my disability hit, my wife also lost her job around the same time. What was a “sure thing” in paying off the cards quickly and in full became an impossibility. The quadrupling of the minimum payment on our largest card was the final straw.
With Charles’ consistent, good-humored and INCREDIBLY KNOWLEDGEABLE help, we have settled with all 5 companies in a little less than 7 months for 1/3 of the outstanding balances, all of them in the final days before charge-off. There were many times when I became totally frustrated and Charles was always there to get me quickly back on track and in the right frame of mind. I want to say there were also several times when I was ready to settle, at a higher amount, that Charles recommended holding on a little longer and saved us the price of his course many times over as a result.
We are now “debt-free” and in much better stead to tackle the challenges of living on a disability income and what’s left of our 401K! I would recommend Charles and his Zipdebt program to anyone trying to tackle the “big guys”—they have ALL the cards going in and the Charles and his program puts you on even, if not better, footing than they are.
Thanks Charles!!!
Comment by Pat — February 24, 2010 @ 1:49 pm