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 15% of your total debt in fees, with most of that coming in the first year of the program.

If you have $30,000 in debt, for example, that works out to $4,500 in fees, or $375 per month for 12 months! 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 the heavily front-loaded fee structure used in the debt settlement industry.

Finally! An AFFORDABLE Debt Settlement Program!

The solution is simple: Do it yourself, hire me (Charles Phelan) to coach you through the debt negotiation & settlement process for a one-time fee of $397 (no matter how big your debt is), 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 $397 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, to the point where I'm 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.

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 monthly budget for payments. 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, 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 you with all my heart for your help. I was over $70,000 in debt and by following your program I have already settled a debt of $23,000 for $8,100, a savings of nearly $15,000. I could never have done it without your advice.  I am on my way to settling my other debts and know I will save another $20,000 or more. Your course is easily worth ten times what I paid for it. Thanks again. I was drowning in credit card debt for years and years and there was no way out until I came across your program. Your help is invaluable. You cannot place a price on it." --W.R., Canton, OH See this client's 35% settlement

"Your seminar saved me thousands of dollars.  I was just about ready to sign up with a debt settlement company and was glad I could do this myself. I have just received my first settlements. I would recommend this seminar to anyone that feels they are over their head in debt." --R.N., Covington, TN See this client's 35% settlement

"Over the weekend we received a letter offering to settle an account at 20 percent!  We'll be settling a debt of just over $10,000 for roughly two grand. I can't believe it. Thanks again for the great info. My wife and I are beginning to see the light at the end of the tunnel and, in terms of hidden costs (stress in our family life) I already see a huge difference." --G.K., Millersburg, OH See this client's 20% settlement

"Yours is definitely the best debt settlement course on the web. Great service, good advice, super results. Thanks, Charles!" --R.W., McHenry, IL See this client's 45% settlement

What else can I say? You are second to none! The seminar discs were excellent. Earlier, I told you that you were concise and precise and your tone of voice was very soothing. You definitely are giving me excellent advice that I expected. Your omnipresence has been very reassuring. Without your guidance, it would have been difficult for me even to start. I greatly appreciate your valuable support given at lightning speed" --A.G., Mahopac, NY See this client's 35% settlement

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 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 Elimination 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 Elimination Success Seminar™ is an intensive and ultra-informative seminar recorded on five 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 FIVE 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.

NEW! 2007 Course Update & Advanced Training Material, a 56-page ebook, supplements the audio material and brings you right up-to-date with the latest tips, techniques, and tactics. Now the seminar is even better because you can directly benefit from the experience of hundreds of consumers who have already used this program to successfully settle their own debts.

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"Getting into debt is easy. Now getting out of debt is easy too. If you're going to negotiate your debts with your creditors then listening to Charles Phelan's Debt Elimination Success Seminar is a must. Don't negotiate your debts without it." -- Tom Allen, Host, "The I Hate Debt Radio Show"

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.

"I've been in the credit education field for 18 years and I think this program is one of the best I've reviewed. It's clear, honest, and most of all very helpful to consumers in distress. I recommend it highly!" -- Gerri Detweiler, author of The Ultimate Credit Handbook and founder of DebtConsolidationRX.com

Step 3: Ongoing Coaching & Support by Email: For 12 months 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, from me to you, one on one.

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. Part of the $397 package includes my Document Review Service. 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 $397 Enhanced Program to be a perfect fit for their budget and 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
132 N. El Camino Real #161
Encinitas, CA 92024
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