Charles Phelan's Do-It-Yourself
Debt Negotiation Training & Coaching Program™:
How the Program Works

Debt settlement is an ethical and honest alternative to bankruptcy, but hiring a professional third-party negotiation firm can be an expensive decision. Expect to pay around 25-30% of any savings achieved in the negotiation.

If you have $50,000 in debt, for example, and the company settles for an average of 40 cents on the dollar, that works out to $7,500 in fees! The bigger your debt, the bigger your fees. The problem is that you still need somehow to save money for the purpose of making settlement offers to your creditors.

Read my post in The ZipDebt Blog about why the new "FTC compliant" settlement companies are still a *very* poor choice for consumers.

Finally! An AFFORDABLE Debt Settlement Program!

The solution is simple: Do it yourself, hire ZipDebt to coach you through the debt negotiation & settlement process for a one-time fee of $777 (Premium Program) or $397 (Enhanced Program), and save thousands of dollars.

(Note: I'm trying to make my program affordable to as many people as possible. If you're on a tight budget, you can even split the fee into two payments. Please see the ordering page for more details.)

OK, it’s confession time. I’ve been doing debt negotiation since 1997. When I started in this business, there were only a handful of other people doing this. In 2000, I was recruited as one of the pioneering experts to help build one of the nation’s largest debt negotiation companies. Guess what? I helped create a MONSTER! We were so successful that HUNDREDS of little companies sprang up around the country to take advantage of the business model that we had developed at a tremendous cost of time and money. Nowadays, you can hardly go “surfing” around on the Internet without seeing an ad for debt relief through settlement. Talk about imitation being the sincerest form of flattery.

Unfortunately, the fee structure in the Debt Settlement industry grew at an aggressive pace, and by 2003 I was no longer comfortable recommending third-party debt companies. So I decided to risk alienating many of my friends and former colleagues by spilling the beans on the debt settlement industry, and in 2004 I published the first version of my do-it-yourself training course. After four years of working one-on-one with consumers, I published the second (2008) version of the course, and then kept right on coaching people through the massive financial crisis of 2008-2010. My published data speaks for itself. The verdict is in! After seven years of hard work, I have quietly amassed the BEST TRACK RECORD IN THE DEBT SETTLEMENT INDUSTRY. ZipDebt clients settle for LESS MONEY out of pocket, and complete the process FASTER versus traditional third-party settlement programs.

In my Do-It-Yourself Debt Negotiation Training & Coaching Program™ I teach you EVERYTHING YOU NEED TO KNOW TO SETTLE YOUR OWN DEBT ACCOUNTS, without third-party intervention, without paying a dime in negotiation or administrative fees, and all within your existing financial resources. The simple fact is that anyone capable of using a telephone can settle their own accounts for 50%, 35%, even 20% of the amount owed.

Why pay those big fees when you can accomplish the same thing yourself? All you really need is two things:

Here's the bottom line:

At the ridiculously low price of $397 (Enhanced Program), or $777 (Premium Program), my
Do-It-Yourself Debt Negotiation Training & Coaching Program™
is the MOST AFFORDABLE debt solution available, period.

Compare my "do-it-yourself with coaching" approach to the fees of any third-party settlement company and you'll see that my program is a no-brainer. Have a look at this chart to see how much you'll save on fees:

In fact, if you have a significant amount of debt, the typical fees charged by settlement companies may exceed some of the balances you owe on individual debt accounts! It just doesn't make sense to pay so much for something you really can do on your own just as effectively, if not better.

By taking matters into your own hands and doing it yourself (with my help as your coach), you will become debt-free FASTER, because you'll be applying 100% of your available financial resources toward GETTING RID OF DEBT, not paying fees!

I know what you're thinking. You're not a professional negotiator. How can you possibly negotiate with your creditors and come out ahead?

I'll let you in on a little secret: Debt settlement company negotiators have ZERO influence on the settlement practices of the major credit card banks and other unsecured creditors. What they do is work within the EXISTING collection process used by the banks. And the simple fact is that many of the banks AUTOMATICALLY extend offers of settlement at certain stages in the collection process.

I know you're probably skeptical. It couldn't be that easy, could it? Here are a few testimonials from my clients – average consumers struggling with debt just like you – who have successfully settled their own debt accounts (with a little training, advice, and coaching from yours truly):

Here's Proof You Can Do It Yourself and Save $1,000s "I want to thank Charles with all my heart. I was nearly $80,000 in credit card debt and thought I would never get out. The course really helped me. I settled the $80,000 of credit card debt for a little over $27,000. I owe it all to Charles and his emails. 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." --W.R., Canton, OH See this client's original blog post (11/8/2007)

"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." --T.S., Tampa Bay, FL See this client's original blog post (9/18/2008)

"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 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!" --K.K., Apple Valley, MN See this client's original blog post (8/13/2009)

"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. " --B.B., Reston, VA See this client's original blog post (1/6/2010)

"I received Charles' program at the end of May 2010. I followed his program to the letter. Charles’ e-mail responses to my many questions were all answered promptly and effectively, as he promised to do. All totaled, I have settled $59,000 of (7) credit card debts, for a total of $22,000 which is roughly 35% of the total amount. Charles is the real deal. I can’t thank him enough for the valuable guidance he provided on exactly what I needed to do with each response I received from my creditors in the negotiating process. " --G. H., San Dimas, CA See this client's original blog post (12/2/2010)

Read More ZipDebt Success Stories ...

Why should you have to pay someone thousands of dollars
when it's possible to get deals like these on your own?

Settlements of 50%, 35%, 20% … after seeing proof of the amazing results that ordinary people are achieving in negotiating and settling with their creditors, you

How to Eliminate Your Debts Quickly and Safely Without Filing Bankruptcy Confused by all the conflicting deft relief information on the Internet? ZipDebt's 32-page consumer debt guide has helped *tens of thousands* of people understand their options and avoid getting ripped off by shady debt companies. $100,000 in Credit Card Debt: Financial Survival Tactics for High-Balance Debtors & Small Business Owners If you're in deep, this is the information you're looking for. Learn why individuals and small business owners seeking to reduce very high levels of unsecured debt MUST USE DIFFERENT TACTICS than the average consumer with $10,000 to $30,000 of debt.

may be tempted to try it without training or coaching. That type of thinking is "penny-wise and pound foolish." The small investment in my training and coaching program will pay for itself many times over.

Here are just a few of the many reasons why YOU NEED A PROFESSIONAL COACH when heading down the path of do-it-yourself debt negotiation & settlement:

1. Timing Is Everything: It's critical to understand exactly how each and every step of the collection process works. Effective negotiation and settlement of unsecured debts is largely a matter of timing. With me as your coach, you'll understand exactly how to time your settlement offers.

2. Negotiating the Best Possible Deals: The major banks and creditors are constantly shifting tactics and changing their settlement policies. Sometimes they try the tough approach; sometimes they go easy. As a debt negotiation expert and coach, I work on a daily basis with consumers just like you, and I know what major creditors are willing to settle for at various stages in the collection cycle. I can save you an enormous amount of time, energy, stress, and frustation by helping you understand when to hold out for a better offer, and when it's time to take the deal that's on the table. Even if you only save an extra 10% off a $5,000 account through my advice and coaching, my program will have already paid for itself. If you're like most of my clients, you'll do a whole lot better than that.

3. A Little Moral Support Goes a Long Way: I've worked with thousands of consumers over the years. I know what debt does to people emotionally. One of the things I do best is help people achieve peace of mind as they deal with their debt problems. It really helps to have a knowledgable professional to turn to when the going gets tough.

4. Proper Documentation Is Critical: You know the saying: "The job's not finished until the paperwork is done." Settling debts is one thing. But creditors have all kinds of tricks and traps for the unwary. It's critical to properly document your transaction. Not sure about a collection notice or settlement letter? Document Review Service is included. Fax me your letter or notice and I'll give you my professional opinion.

The bottom line here is that you're not going to learn how to successfully settle your debts from some flimsy $20 e-book. What makes all the difference in the world is PERSONAL COACHING. And that's where I can help you the most. The difference between success and failure is advice that's specific to your own situation, and you simply can't get that from an e-book.

My Do-It-Yourself Debt Negotiation Training & Coaching Program™ covers all the bases. Here's how it works:

Step 1: Training & Education: First, you'll receive a copy of my Debt Settlement Success Seminar™. This audio-CD training course will provide you with a very thorough and comprehensive education in how to negotiate and settle your own debts. The Debt Settlement Success Seminar™ is an intensive and ultra-informative seminar recorded on seven audio CDs that you can play in your car’s CD player, in your computer, or other portable CD player. There is a total of EIGHT HOURS OF MATERIAL on the CDs that you simply will not find anywhere else. A CD-ROM with all the Forms and Letters you'll need is included, as well as a detailed Workbook with examples and illustrations. This is all insider information designed to help you get right to the job of tackling your debts without paying stiff fees to third-party debt companies.

Audio Sample 1 Press Play Twice to Hear Sample

Audio Sample 2 Press Play Twice to Hear Sample

Audio Sample 3 Press Play Twice to Hear Sample

Step 2: BONUS Telephone Consultation & Client-Specific Advice: After you've listened to the audio-CD course, we'll schedule a personal telephone coaching session. Together we'll review your debt accounts, discuss what the creditors on your list are currently settling for, analyze your financial situation, and answer any questions you have. The purpose of the consultation session is to help you apply what you've learned in the audio-CD course to your particular set of circumstances. The result will be your PERSONAL DEBT NEGOTIATION GAME PLAN.

Step 3: Ongoing Coaching & Support by Email: For 6 months (Enhanced Program) from date of purchase you'll be entitled to email me anytime for coaching, advice, answers to questions, and general support. Remember, I'm not talking about auto-responders, generic eZine stuff, or "updates" that may or may not have anything to do with your situation. I'm talking about ACTUAL, GENUINE, PERSONAL email coaching & support, coach to client, one on one. (Note: Enhanced Program can be renewed in 6-month increments for $300 per additional 6-month extension of email coaching subscription. Premium Program includes 12 months of full support via email and telephone.)

Step 4: Document Review Service: As you receive settlement offers in writing from your creditors, you may have questions or concerns about the contents. This may also apply to collection notices, which can often be confusing, contradictory, or even threatening. Both the Enhanced & Premium Programs include Document Review. Simply fax the letters or notices to me. I'll review them and respond with my professional opinion on the documents.

I realize you don't know me yet, but to prove I'm serious, I offer the program with an Ironclad 365-Day Moneyback Guarantee. If at any time within one full year from your date of purchase, you are unsatisfied with the material, information, advice, or techniques presented in my program, simply return the audio-CD seminar kit and I will refund your full program purchase price (excluding shipping & handling), with no hassles.

Everyone's situation is different. While most people find my $777 Premium Program to be the best value and the best fit for their debt situation, I've created three different program levels to make sure everyone gets the help they need. So no matter what your budget or circumstances, there is a solution that will work effectively for you. Here are the details of the Basic, Enhanced, and Premium Programs in a side-by-side chart for comparison:

Click Here For Help Deciding Which Program to Purchase

GUARANTEE: I'm so confident you'll be impressed with my program and the level of coaching service I provide that I offer the program with a no-risk guarantee. You have my Ironclad 365-Day Moneyback Guarantee. If at anytime within one full year from purchase, you're not satisfied with my program material, advice, or techniques, just return the seminar kit and I'll refund your purchase price. How's that for a guarantee?

SECURE ONLINE ORDERING: We accept online orders via Visa, MasterCard, Discover, American Express, and Debit Cards.

ELECTRONIC CHECKS ACCEPTED! Maxed out? Don't want to pay by credit card? No problem. We accept payment via electronic debit from your regular checking or savings account. Order online! Secure system.

ORDER BY MAIL: You may also order the program via regular mail, with Personal Checks or Money Orders accepted.

We'll ship your seminar kit right away and you'll have it in your home in a few days.

Remember, excessive debt will crush your financial future. Take action now to eliminate your debts. My Do-It-Yourself Debt Negotiation Training & Coaching Program™ will show you the way—GUARANTEED!

Sincerely,

Charles J. Phelan
President/Founder
Manchester Publishing Company
charles@zipdebt.com
1835A S Centre City Pkwy, Suite 507
Escondido, CA 92025
Toll-Free 1-866-515-2360

P.S. Remember, all three program levels come with these FREE bonuses:

Bonus #1: Special Report:
How to Obtain Expert Legal Advice for Only $35
($29 Value)

Bonus #2: FREE E-Book:
Excellent Credit in 180 Days!
($79 Value)

Bonus #3: One FREE Telephone Consultation with
Debt Negotiation Expert Charles Phelan
($200 Value)

P.P.S. Remember, you can order with complete confidence knowing that your purchase comes with my Ironclad 365-Day Moneyback Guarantee