About ZipDebt -- Debt Settlement Done Right!

A personal message from ZipDebt Founder, Charles J. Phelan

I’ve been helping consumers and small business owners settle their debts since 1997. When I started in this business, there were only a handful of other people offering negotiation services for credit card debt. In 2000, I was recruited as a pioneering expert 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 and beyond.

I continued with the do-it-yourself debt settlement coaching approach through 2019, and also started offering full service negotiation support again in recent years. Now, as of May 1st, 2020, I’m only offering my Tailored Debt Settlement program for select full service clients.

If you are new to Debt Settlement, please help yourself to my Free Consumer Guide on Debt Relief. This is a free PDF download with no strings attached, no email signup required.

If you already know about Debt Settlement and want more information on my unique customized approach, please start with my 5-page series on Tailored Debt Settlement.



ZipDebt = Fast Relief

Debt settlement is just as much about managing risk as negotiating savings. The 36-48 month programs offered by most debt companies have high risk for collection lawsuits. It's far more effective to "fast track" debt settlement in 12-18 months.

ZipDebt = Affordable Help

Instead of paying fees as high as 20-30% of your TOTAL DEBT, it’s far more affordable to work with a professional consultant who only charges 15% of the SAVINGS achieved via the negotiations. This approach saves you money and creates a win-win scenario.

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