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Testimonials from ZipDebt Clients


See the ZipDebt Success Gallery for examples of actual settlements achieved by my clients.

Click Here to Read Recent Comments Posted by Clients on the ZipDebt Blog!

My name is Charles J. Phelan. I’ve been helping consumers to eliminate their debts without bankruptcy since 1997. I was the pioneering expert recruited to help build one of the nation’s largest debt elimination firms, which has settled more than $100 million of consumer debt. If there’s one thing I know, it’s DEBT and how to get rid of it FAST! But don’t take my word for it. Here's what my customers have to say:

"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 for 40%. I would recommend this seminar to anyone that feels they are over their head in debt."
--R.N., Covington, TN



"I had no idea how to go about clearing up my debts, but after listening to your program I have succeeded in doing settlements for 50% or less. I think this is a great program and more people should order it to be familiar with their rights. So many people have no clue where to begin. This way they will truly understand."
--C.R., Forks, WA



"I have now listened to your Debt Elimination Success Seminar many times and I must say that it is excellent. The sequencing of the presentation material leads to a very clear understanding of the subject and the seminar is packed with great information from someone who clearly knows the subject very well. The whole seminar is clear, concise, and complete. What I really like is that it actually exceeded my expectations after having ordered it from reading your website (usually it's the other way round!). It's just a no nonsense - step by step - here's how to do it guide. "
--J.N., Newcastle upon Tyne, U.K.



"I benefited by becoming more confident about dealing with the companies involved in my debt, knowing that I will not make matters worse instead of better. I just did my first settlement at 25%!"
--M.B., San Antonio, TX



"Great training in negotiation. What is really appealing to those of us who are behind is your encouraging tone that the sky is not falling. "
--S.P., Colorado Springs, CO



"Thanks for the great response. You really know the business of debt reduction. Your program and thoughtfulness show a really fine level of professionalism that I haven't seen in years. "
--B.B., Kendall, WI



"I have just finished listening to the CDs and reviewing the workbook. Your material has replaced my fear with knowledge. I now know what to expect and what to do through every phase of the process. The cost of your seminar, combined with the security blanket of having access to your personal support is far beyond 'reasonable'. It is priceless."
--L.A., Chico, CA



"The seminar was great! I really appreciate you answering my emails and giving me this extra information."
--M.R., Bellingham, WA



"Charles Phelan is for real. The tapes provide a tremendous amount of information, walking you through the process step by step. On top of that Charles responds quickly and gives thorough and careful answers to your questions. He takes the time to listen to you, learn about your personal situation and then shares with you bountiful advice, based on experience. The feeling is that not only is he knowledgeable, he really cares."
--N.G., Los Angeles, CA



"Thanks for caring about people like myself. There are hundreds out there being taken in everyday. The truth is something we can always be proud of telling. Keep up your work – you're needed."
--S.B., Charleston, SC



"The package is perfect. I think it's well worth every penny."
--U.L., Lake Worth, FL



"The advice you have given us through your support and emails has helped us tremendously. I don't say this often, but I'm beginning to think of you as a friend. If there is anything I can do for you, please don't hesitate to ask."
--T.W., Kalamazoo, MI



"I think it is wonderful to have someone like you out there, to help people with these type of circumstances. So many, like myself, don't know what to do or who to turn to. Keep up the good work!!!"
--E.T., Cookeville, TN



"Your course has been a great benefit in dealing with creditor phone calls."
--G.D., St. George, UT



"The seminar materials were very informative. The decision tree was also helpful."
--S.J., Hilliard, OH



"I was very impressed with the seminar and how the process works. It also gave me more self-confidence. I have been able to settle 5 of my 6 credit cards so far. "
--R.G., Port Angeles, WA



"The thing I like most about the strategy is that it is just that – a strategy – with clear simple goals and a step by step way to get there."
--R.M., San Francisco, CA



"I have finished listening to all the tapes and they are wonderful! This is the best investment I have made. Thank you for creating this seminar to help people in my situation!"
--V.G., Pasadena, CA



"Thank You for the seminar and this followup questionnaire. I am not done with my debt negotiations, it's taking me awhile to collect money to pay them off. The seminar was VERY successful in easing my mind on the situation that I found myself in, plus even more important to me, the seminar put my wife's mind at ease. We listened to the program together and decided that it was the best course of action for us. Bankruptcy was a very real and available option to us but we wanted to honor as much debt that we owed as we could."
--J.S., Granite Bay, CA



"In reponse to your email, no, I did not experience any problems with the download. But I did have a problem with your timely follow up phone call, gratis professional opinion, and good nature. It threw me off! What you did for me was unexpected to say the least! You gave me sound advice and asked for NOTHING in return! I'm fortunate enough not to have friends or family in serious debt, but if it ever comes up in conversation, your name will most certainly be mentioned and strongly recommended by me."
--T.M., St. Louis, MO



"The ongoing support and education was the best part. Charles was there every step of the way."
--L.O., San Antonio, TX



"When we purchased your seminar, we were seriously considering bankruptcy. We had over $130k in credit card debt. The fear of the unknown kept us from sleeping well or enjoying daily life. Your seminar contained the information we needed to calm our fears. We are now sleeping at night without worrying about our creditors. Most of them sent letters offering to settle – one of them for 35%. Several are now with collection agencies and your seminar explains very well how to deal with them. The bankruptcy option is still open, but we don't intend to use it at this time. Thank You very much for your help."
--R.K., Tulsa, OK



"By clearly understanding the collection process and stages of how that works, your seminar cleared up all of the confusion caused by the scammers and the 3rd party negotiators who scare you to death with the lawsuit threats. I'm not so scared of the process and I am ready to tackle my goals now."
--M.S., Windham, OH



"When you need a hero, who should you RUN to? Charles Phelan! His program and expertise is the most valuable commodity you can receive to get through the process of negotiations and more with creditors and third party collections. I'm not recommending his service, I'm telling you it's a necessity!"
--C.L., Edgewater, NJ



"This course definitely more than pays for itself. I have had it less than a year and have settled four accounts already. Three at 35% and one at 33%! In total we saved over $26,000. We wouldn't have been able to afford not to file for Bankruptcy before ordering this course. Right now I'm starting to repair my credit on my own. Without this course, the Bankruptcy would be on my credit for 10 years with absolutely nothing I could do about it! Thanks again for everything, Charles!"
--J.E., Brookline, MA



"I called to speak with Charles personally regarding my debt situation. To my surprise, he gave me his time, was personable, professional and he gave me a lot of great advice for no charge! This man is sincere, knows what he is doing and is a good person truly wanting to help people. Thanks to his advice, I managed to settle with three creditors, so that I can now focus on my health situation without being so stressed out about money problems! Give Charles a call, you will be glad you did! Kudos to Charles!"
--C.S., Tampa, FL



“One year ago, my debt was the biggest embarrassment of my life, and now I’m proud to say it’s one of my biggest success stories. Not only is $18,000 of bad debt off my back but by August I will be 100% debt free. I don’t even want to think about where I’d be now if I hadn’t seen your info. You really impressed me. I’ll be forever grateful.
--T. A., San Diego, CA



“A little over a year ago I heard about Mr. Phelan’s program when we were overwhelmed with bills, hospitalization of my son, and a military move. We are now at a place where we have a handle on things. Out of 7 debts, we are down to 2 and we’ll be debt free soon. Thank you!
--C. S. Houston, TX



“When I could not meet the payments and the phone calls from creditors started to ring every day, a friend of our family told me about Mr. Phelan’s program. After a year and a half, I paid off the loans and I could not have done it without Mr. Phelan’s financial advice.
--J. N., Oceanside, CA



“We recommend the Debt Elimination Success Seminar to our clients who want to negotiate their debts themselves. The seminar covers all the available debt options and helps consumers choose the right program to fit their needs. Moreover it is written with an industry insider’s perspective which provides comprehensive practical advice to handling problems that may be encountered.”
--Mark P. Cauchon, CEO, My Professional Advice, Inc.


"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 Settlement Success Seminar is a must. Don't negotiate your debts without it."
--Tom Allen, Host, "The I Hate Debt Radio Show"