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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 fakes testimonials.” Well, that’s probably true…
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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, The Debt Settlement Success Seminar, which forms the education core for all my coaching programs, has always been delivered in the form of a physical kit.…
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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 Income.” That “income” has to be treated as ordinary income like your paycheck, unless you have an exemption for “insolvency.” In other words, if your net…
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Debt Settlement in 2025 and Beyond!
Today is March 27, 2025, which sounds like a science fiction date to this old guy. But I’m still here providing debt settlement services in 2025. I’m still helping consumers struggling with unsecured debt obligations. With the ongoing uncertainty over inflation and the economy, it’s more important than ever for people to have reliable truthful…
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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 20% of the SAVINGS achieved via the negotiations. This approach saves you money and creates a win-win scenario.
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