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ZipDebt Client Comment Forum (2007-2019)
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 program, and they told me that they didn’t bother to read any of the testimonials on my site because “everybody...ZipDebt Debt Relief — MAJOR ANNOUNCEMENT FOR 2020 and COVID-19: Full Service TAILORED DEBT SETTLEMENT Available for Select Clients, Do-It-Yourself Coaching & Services No Longer Offered
ZipDebt is no longer offering do-it-yourself debt relief coaching or the audio seminar launched in 2004 to help consumers with negotiating settlements on their credit card debts. Full Service Debt Settlement is available via my Tailored Debt Settlement Program for selected clients only. Please note that an application is...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 difficult decision to sell our dream home to resolve that growing financial crisis. In this final part, I’ll finish 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 my coaching clients. Emotions and financial math do not mix. They are mutually exclusive domains. You need to bundle up...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 with a deep reservoir of hands-on experience still managed to get himself into $63,000 of credit card debt, and then...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 code permitted an exclusion for cancelation of debt income associated with forgiven mortgage debt. The Act was later extended for...
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