Here is an example of an actual offer mailed by a creditor to a client of the Debt Elimination Success Seminar™. The offer is for a 40% settlement against an account balance of $5,631.09, for a net savings of $3,378.65. A third-party debt settlement company would have charged a negotiation fee of $845 to accomplish the same deal (based on 25% of savings), plus upfront fees and monthly fees. Yet the customer accomplished this on their own without the need for a professional negotiator, simply because the offer came automatically from the creditor.

Why would a creditor do this? They simply made a business decision to cut their losses. It was better for the creditor to take 40 cents on the dollar than to risk collecting nothing if the client chose to file bankruptcy instead. There is no rocket science involved in the field of debt settlement. It's mostly a matter of understanding how the collection process works. This letter is a good demonstration of why you don't need to pay $100s or $1,000s in fees to settle your debts.

Note: The image file below is a scanned reproduction of a faxed original. The client's name, address, and account information have been deleted to protect their privacy. No other alterations have been made in any way to the originals or the digital images.

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