ZipDebt Client Comment Forum (2007-2017)
This post is intended to provide a forum for ZipDebt clients to post comments about their experience with the program. Recently, I spoke to a person interested in my...Insolvency Calculator for IRS Form 982 Available, Updated for 2016!
If you settled a debt in 2016 (or prior years) and had more than $600 forgiven by a creditor, you will be receiving a 1099-C for “Cancellation of Debt...Debt Settlement Success Seminar Now Available in Digital Version!
In 2004, I launched ZipDebt.com to teach consumers how to negotiate their own debt settlements and avoid the sky-high fees charged by so-called “debt relief” providers. My training course,...Making the Tough Financial Decision, Part 3 — Paying Off $63,000 Credit Card Debt & Lessons Learned
In Parts I & II of this series, I explained how a seasoned financial consultant like myself managed to get into credit card debt, and how I made the...Making the Tough Financial Decision, Part 2 — Our Dream Home Goes on the Market
I have an important rule for making financial decisions: Set your emotions aside and let the numbers do the talking. It’s a rule I emphasize over and over with...Making the Tough Financial Decision — Our Dream Home Goes On the Market
How A Seasoned Debt Coach Took His Own Advice and Paid Off $63,000 Credit Card Debt by Charles J. Phelan This is the story of how a financial coach...Mortgage Forgiveness Debt Relief Act Extended Retroactively for 2014 — Great News for Consumers Who Had Primary Home Mortgage Debt Canceled Last Year!
In 2007, Congress pass the Mortgage Forgiveness Debt Relief Act (MFDRA) and initially set it to expire at the end of 2012. This temporary change to the IRS tax...
