Elimination of all unsecured debts, Credit Card, Bank Loans, and Student Loans.
Properly Structured Debt relief can change the terms or amount of your debt so you can get back on your feet more quickly. Our Debt-relief program is the right solution for everyone, and it’s important to understand what the differences are between our program and others that leave you with essentially bankruptcy.
Properly Structured Debt relief does NOT involve wiping the debt out altogether in bankruptcy; does NOT change your interest rate or payment schedule to lower your payments; does NOT persuade creditors to agree to accept less than the full amount owed. Does NOT include …
Do-it-yourself methods, including debt consolidation
This system works far better and more consistently than commercial discharge or set off methods under the UCC, because the elite have tried to monopolize those methods for themselves, while stopping them from being honored for most people.
Usually when we beat the lenders, they just quietly slither away and never issue anything in writing confirming our victory, because they probably figure it would get duplicated and the word would spread far faster than it already is. So the best we have been able to enjoy so far in this matter is their going silent and ceasing their collection efforts.
Better budgeting can get you only so far. If you’ve cut expenses to the bone in an effort to pay off debt and you’re only treading water (or still sinking), Properly Structured debt relief is your best hope for repairing your finances.
YOU HAVE THE RIGHT solves the issue
when either of these is true:
You have no hope of repaying unsecured debt (credit cards, medical bills, personal loans) within five years, even if you take extreme measures to cut spending.
The total of your unpaid unsecured debt equals half or more of your gross income.
Your total debt is a minimum of $10,000; there is no maximum.
Beware: Standard Debt relief can make things worse
The debt relief industry includes scammers who are eager to take what little money you have. Many people who enter debt relief programs fail to complete them. You could end up with debts that are even bigger than when you started.
But debt relief may give you the new start or the breathing room you need to finally make real progress.
Be sure you understand — and verify — these points before entering any agreement:
- What you need to qualify
- What fees you will pay
- Which creditors are being paid, and how much; if your debt is in collections, make sure you understand who owns the debt so payments go to the right agency
- The tax implications
Debt relief through bankruptcy: Bad Option
There’s little point in entering a debt settlement or debt management plan if you’re not going to be able to pay as agreed. We do NOT recommend talking with a bankruptcy attorney first, before you pursue Our debt relief strategy. You will end up wasting your time and money; this step is not necessary.
The most common form of bankruptcy, Chapter 7 liquidation, is NOT necessary, although it can erase most credit card debt, unsecured personal loans and medical debt. It can be done in three or four months if you qualify.
What You Should Know:
It won’t erase taxes owed or child support obligations, and student loan debt is highly unlikely to be forgiven.
It will decimate your credit scores and stay on your credit report for up to 10 years even as you restore your credit history. That’s no small thing, because poor credit history can affect your eligibility for certain jobs, your chances of getting an apartment lease, and how much you pay for car insurance. When your credit is already bad, a bankruptcy may allow you to rebuild your credit much sooner than continuing to try to repay.
If you have used a co-signer, your bankruptcy filing will make that co-signer solely responsible for the debt.
If debts continue to pile up, you can’t file another Chapter 7 bankruptcy for eight years.
It may not be the right option if you would have to give up property you want to keep. The rules vary by state. Typically, certain kinds of property are exempt from bankruptcy, such as motor vehicles up to a given value and part of the equity in your home, but you usually have to give up a second car or truck, family heirlooms, vacation homes and any valuable collections.
It may not be necessary if you’re “judgment proof,” which means you don’t have any income or property a creditor can go after. The creditors can still sue you and get a judgment, but they won’t be able to collect.
All of this can be avoided through our Structured Document Process; eliminating the debt and saving your credit. Regardless of income, or assets.
What to do
Sometimes overwhelming debt comes with devastating swiftness — a health crisis, unemployment or a natural disaster. Or maybe it came a little at a time, and now creditors and collection agencies are pressing you to pay, and you just can’t.
If you’re feeling overwhelmed by debt, here are some things to do:
Don’t Pay a secured debt (like a car payment) late in order to pay an unsecured one (like a hospital bill or credit card). You could lose the collateral that secures that debt (your car).
Don’t borrow against the equity in your home. You’re putting your home at risk of foreclosure and you may be turning unsecured debt that could be wiped out in bankruptcy into secured debt that can’t.
Don’t withdraw money from your retirement savings in order to repay unsecured debt. This is financial suicide.
Think twice about borrowing money from workplace retirement accounts as well. If you lose your job, the loans can become inadvertent withdrawals and trigger a tax bill, which is the last thing you need.
Don’t make decisions based on which collectors are pressuring you the most; that may lead to actions that aren’t in your best interest. Instead, take time to research your options and choose the best one for your situation.
Essentially, Do pay all secured debt, with unsecured debt, max out all of your unsecured debt; as it will be eliminated, totally. Relax ….. the real law is with you.
You Have The Right To Be Free Of Your Debt!
“I had about $43,000 in credit card debts. I had maxed my cards out after my husband died, and the so-called “creditors” were hounding me. Then from friends and family I learned that they are not creditors at all. I used this polite and professional dispute letter and affidavit, and I have not heard from the moneylenders or their collection agents since. In one case, they did persist with two more letters, and the Champion system provided me with simple response letters to send, which only took a few minutes to prepare and mail. This was in early 2010, and since then I have had no further contact from any of them. I know now, for a fact, that this is because they have been caught in their scam . . . and they would rather let it quietly go away than to litigate it and publicize it.” – – Mildred Freeston, Lakewood, Washington
“I can certainly see why these documents worked for you. I only wish I’d known of their existence when I first set to work cancelling my credit cards. I like the energy of these templates. The original ‘toxic’ letter that we sent out is threatening and goes into too much unnecessary detail. Your letters are simple, direct, and expressed with respect to the other party.
They are also very professional.”
“With much gratitude I am privileged to share with you that the debt elimination program helped me eliminate $30,000 worth of credit card debt. I am now debt free. It was easy and I had the amazing support from the Champion coach to follow through on each step until the bank just gave up and I never heard from them again. Victory!”
Like most of us I had the dream of going to college and starting a new chapter of my life. I had no idea I would be owned by what I thought was real debt. In fact, I had approximately $100,000 in debt and limited ability to enjoy my life (travel, dinner outings, dating, etc). I was forking out so much money a month and one day it occurred to me we aren’t put into this universe to be owned by anyone.
Furthermore, debt, credit cards, education for profit, and laws are instruments to control society and are invented by man himself. The fun began with mailing out the first letters provided by the Champion program back in 2013 and many more letters were to follow. The only response I received over and over was the letter I signed with the pretender lender. Then the collection companies began calling and I sent them the same letter.
Over the course of 4 years my credit was not affected. The only message on my credit report by the Federal Student Loan trade line was “in dispute”.
Then one day I received a notice in 2018 my credit was impacted negatively. I pulled my credit report and it reflected “derogatory” and “sent to government collections”. Immediately, I hired someone provided by the Champion program. Long story shorter – I sued the credit reporting agencies and student loan company. We settled out of court. I was paid monetarily by each company (4 checks) and the trade line was removed from my credit report . . . as if I never had a pretend loan, ever. The best part – we never went to court. I encourage everyone to take action and take back your life . . . because it’s not yours as long as these pretend loans have you cornered.
“I would like to give a testimonial about the Champion Debt Elimination System. Since purchasing the debt elimination System in February of 2018, I battled two companies for three credit card alleged charges. I have succeeded thus far in stopping both banks. One of the banks totally disappeared from my credit as if they had never existed. The other threatened to never write to me again and I took them up on their offer with another rinse and repeat. They have been silent ever since. Persistence with the system is everything. Thank you.”
There is nothing like falling down a hole, only to discover you landed on a white sand beach in paradise! And so it is with this system; like we could not have imagined. At the beginning of 2019, John and I found ourselves with 104K in debt on credit cards and a credit loan for some home remodeling work. When we added all the statements up to try and figure out how we got to this point, it seemed like most of it was just general living expenses and the last two Christmas. Each month was getting more and difficult. All the the searching on the net for debt reduction didn’t result in anything but the same ol’ recommendations. Until we ran into something called common law. And then down that rabbit hole!
Basically, after a lot of research and finally running into Tad, and trying to wrap our heads around all of the new information and realizing what our new options really were; we jumped in with smiles. Slowly after about two or three months the nasty letters died out and our accounts were zeroed out and the debt removed. At some point the credit scores were frozen, already down to 580, but all the negative data on the reports was removed! Wow, this seemed amazing; and so it was that we embarked on a cruise vacation to Alaska this summer, since no more payments had to be made. !!! Free and clear! Thanks you guys, and more to learn. Cheers.
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Champion debt elimination
- $43,000 in credit card debts eliminated;
- without attorneys, without bankruptcy,
- without courts and no phone calls from creditors