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 of many (if not most) debt-related websites. Not so with ZipDebt. ALL of my testimonials are real. No need for faking it here. But it gave me the idea of providing a way for clients to write in and post comments on their own.
Feel free to write about your experience of handling your own negotiations with training and coaching by yours truly.
Two simple ground rules for posting your feedback:
1. Please do not mention bank names or the names of collection agencies. (Two reasons for this: One, I don’t want to get drowned in blog-spam by debt collectors who work for said companies, or notices from their legal departments, etc. Two, settlement percentages are a moving target, and a bank/agency that settles for 30% today may stick with 50% tomorrow, and vice versa.)
2. Please do not include website links or html tags in your posts.
3. No profanity please (however tempting it may be to dump on your favorite debt collector). 🙂
Otherwise, please feel free to relate as much or as little as you care to share with others. The main purpose here is to help the folks who are struggling with their decision about whether to use this strategy in their situation.
I will save our scary story to tell at the end of all our negotiations. For now, let’s just say that it’s similar to Gail’s posting before she got to the scam part. Currently, we are in the thick of it–talking to creditors as Charles is advising us to do. We’re only two months into this process, but this is what we’ve gained:
$73,000!!! How’s that for a start? This represents 31% of the total we owed on two cards. In one phone call from Charles during the bank’s offer phase, he told us how to get this particular creditor to come down $7,000 more than we already thought was good. What he told us to do worked!! In emphasis, Charles’ 15 minutes of coaching saved us $7,000 more! My husband said he, actually, felt the weight come off his shoulders when they agreed to this fantastic settlement.
When we were hitting our wall, my husband ALMOST went with an attorney’s office to do this negotiation work for us as they were very convincing about the fact that “we would retain our good credit standing,” and because it’s LEGAL debt negotiation through their law firm, they can get better deals for us and easily handle our bankruptcy later if we needed them to.” But my gut said, “No! They want their $22,000 fee up front with NO promising agreements in their contract to do ANYTHING for us. How did they think we could pay this fee in the financial state we’re currently in–when we have no income right now? We would have to borrow more money to pay their fee! Now, what sense did that make?” It was a good day when I found Charles’ website.
My husband is very happy with himself now that he is handling our debt problems himself (using Charles’ expert coaching), and I’m proud of him, too.
Also, I purchased the ID Caller Manager that Charles recommended, and my peace of mind has been saved! I can put all my unwanted calls through to a recording and not have to hear the phone ring, which made my stomach churn.
Thank you, Charles, very much for a grand start, or should I say, “a $73 grand” start! . I will be posting more news later as more successes come about. What a difference a good coach can make!
Christine
P.S. Everyone: You MUST take good notes when you speak to Charles on the phone as forgetting his tips can be costly!
I run a small business. Through a series of setbacks, I found myself with $220,000 of unsecured credit card debt. I was making over $4,000 monthly minimum payments on eleven different bank cards. I had some cash, but not nearly enough to keep pace with my payment schedule and still run my business. I assummed my only two options were bankrupcy or Consumer Credit Counciling. Either way, I would be paying between $4000-5000 a month for five years. Fortunately, I found Charles’ program while researching the subject on the internet. With Charles’ guidance, I was able to settle all eleven credit card accounts in a year for $87,000. Charles, your program is phenominal. I can’t imagine any other way a person can become debt free from credit cards in such a short period of time. The negotiation process with the creditors was exactly as you said it would be. It is very refreshing to get advice from someone is extremely knowledgeable and also a straight shooter. I would highly reccomend this program as the most effective way to deal with “out of control” credit card debt. Thanks again Charles. You’re a lifesaver!
Words can not express what Charles has done for me.
Prior to finding him on the internet,(thank god I did), I was literally sick to my stomach about the debt I had accumulated. I owed over $50,000 worth of debt on a salary of vey little. I was never able to catch up and the more I played balance transfer games the worst it got. Sound familiar? I called the 800 and left a message and Charles called me back and explained his program. After his call I felt like I had an angel delivered to my doorstep to guide me through the dark money tunnel I had fallen through. His program, advice and kindness have gotten me through this without the despair I was feeling before starting on this program. The information he supplied me with made the last 6 months easier than the last 6 years have been. I followed his advice and I got a tracfone and used that as my debt collector phone (you have to change the information on your account to the new number)and I was able to handle the phone calls at my convinence. I have cleared my debts in 7 months for an average of 31% and I am now debt free for the first time in a very long time! Please do not be skeptical of this program, it is the REAL thing, with a REAL person who is charging very little for a system that actually works. You have very little to lose and quite a lot to gain. Again, thank you Charles for everything you have done. You and your program are a Godsend!