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  • ZipDebt Client Comment Forum (2007-2019)

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    Charles Phelan

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    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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  • 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

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    Charles Phelan

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    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 required and I do not accept […]

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  • Making the Tough Financial Decision, Part 3 — Paying Off $63,000 Credit Card Debt & Lessons Learned

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    Charles Phelan

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    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 story and then discuss some of […]

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  • Making the Tough Financial Decision, Part 2 — Our Dream Home Goes on the Market

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    Charles Phelan

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    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 all your feelings, anxiety, attachments, desires […]

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