Charles Phelan Offers Affordable Professional Service to Qualified Clients

Tailored Debt Settlement™ is vastly more labor intensive for me than the DIY-coaching method I have previously offered. As a consequence, I’m only able to work with a small number of clients and therefore have to charge accordingly for this hands-on intensive personalized service. I still make it affordable though, and my fees are a no-brainer when compared to what the larger debt firms are charging their clients.

My service fee is only 15% of the SAVINGS achieved in the negotiation, based on the ENROLLED BALANCE at the time you become a client. You pay nothing until after a settlement has been negotiated and you have accepted it.

In today’s debt relief environment, there are basically two ways that debt settlement companies charge: based on a percentage of the debt enrolled in the program, or a percentage of the savings achieved through negotiation. These methods may sound similar, but they are as different as night and day. The following examples will help you clearly understand that difference:

TRADITIONAL DEBT SETTLEMENT: You sign up with a company charging 25% of ENROLLED DEBT. You come to them with $100,000 of debt, so your fee is $25,000 no matter what actually happens in terms of outcome. If the $100,000 is reduced to $40,000 through negotiation, then you pay a total of $65,000 including fees, for a net 65% payout.

If the result is not as good and you only get a reduction to $50,000, then your fee is STILL $25,000 and you pay a total of $75,000, for a net payout of 75%.

If this percentage-of-debt method strikes you as ridiculously in favor of the debt company, you are correct!

TAILORED DEBT SETTLEMENT ™: You sign up with Charles Phelan and ZipDebt and pay only 15% of SAVINGS. You enroll with $100,000 of debt. If the $100,000 is reduced to $40,000 through negotiation, then you pay a fee of $9,000 (15% of the savings of $60,000). Your total payout is $49,000, for net 49% payout.

This is an improvement of 16% and $16,000 back in your pocket, compared to traditional settlement — plus you are done in half the time span or less compared to the typical 36-48 month program.

If the result is not as good and you only get a reduction to $50,000, then the fee goes DOWN to $7,500, and you pay a total of $57,500, for a net payout of 57.5%, still an improvement of 17.5% and $17,500 less out of your pocket compared to traditional settlement.

However, let’s say you do better and achieve an overall reduction to $30,000. The fee of 15% of savings is $10,500, for a total payout of $40,500, or a net of 40.5%. Notice a very important factor here: Even though the negotiation fee is higher at lower settlement percentages, your overall total payout is lower!

With fees structured under the percentage-of-savings method, the more you pay your negotiator, the lower your overall total payout! Talk about a win-win situation!

I'm Just One Person and Must Select My Clients Carefully

Let’s recap:

  • You have decided on the debt settlement strategy.
  • You know that it’s best to settle your debts as quickly as possible, and you believe you can line up the necessary funds over a 12-18 month period.
  • You see the merits of the Tailored Debt Settlement ™.
  • You like the fact that you pay nothing upfront and owe no fee until a settlement is negotiated and agreed to.
  • You are comfortable with a negotiation fee that is directly tied to the success of the outcome.
  • You prefer to work with an experienced professional with a proven track record.

If this describes you, then we may have a good fit between us.

Please note that there is no way to directly enroll in my Tailored Debt Settlement™ Program via this website. And I do not want you to just pick up the phone and dial me either. I’m too busy helping someone else settle their debts at the moment!

First I ask you to email me a list of your debts to be settled, along with an explanation of your financial situation that led to the debt settlement decision. Provide your contact information, as well as suggested availability please. Then we’ll get on the phone to discuss your situation. If we have a fit, I will email you the necessary forms to become a client.

If you are SERIOUS about obtaining my professional guidance in settling your debts, then please feel free to email your list of debts and background explanation to “[email protected]” Please note that I am only accepting a very limited number of clients into this program. When I have a full roster, I will institute a waiting list, to ensure I allow adequate time to serve each client as needed before accepting new business.

Thank you.

Charles J. Phelan


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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