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Tailored Debt Settlement ™

Tailored Debt Settlement ™ is a state-of-the-art approach to negotiating discounted payoffs on unsecured consumer and business debts, such as credit cards, store charge cards, personal loans, and private student loans. This alternative to Chapter 13 Bankruptcy delivers all of the major benefits of Traditional Debt Settlement programs, minus the serious drawbacks and pitfalls. This method provides maximum savings, speed, and safety compared to other debt settlement programs, at a fraction of the cost.

Not everyone with debt troubles will qualify for this aggressive approach to debt reduction. I spend a lot of time talking people out of attempting debt settlement, rather than recommending it. A proper suitability analysis is required to determine if it will be effective in your situation. If I don’t believe you are suited for the process, I won’t take you on as a client. Fair enough?

To determine whether you are a prospective candidate for Tailored Debt Settlement ™ with Charles J. Phelan and, let’s review some important information.

Consumer Reports is a well known reporting organization respected for their impartial and thorough analysis of products, services and companies has used ZipDebt as a source for their informative articles on Debt Relief. See the ZipDebt Consumer Reports article here.

For Consumers In Debt

"How to Eliminate Your Debts Quickly and Safely Without Filing Bankruptcy"


Get the facts from an industry executive. Learn why: “Most Debt Reduction Programs Have A 75% Failure Rate, Leaving Consumers Stranded When They Most Need Help, and What You Can Do To Avoid This Trap and Achieve Debt-Freedom On Your Own!”

For Business & High Debts

Financial Survival Tactics for High Balance Debtors & Small Business Owners


In this 12,000-word white paper by debt expert Charles J. Phelan, you will learn about tactics specifically designed for businesses or people carrying large Credit Card Debt balances.

Insolvency Calculator

Save Time and Frustration with our Insolvency Calculator for 1099-C Income from Canceled Debts


Everything you could ever need to complete your IRS Form 982 for declaring the insolvency exemption on 1099-C cancellation of debt income. Just download the easy to follow worksheet complete with instructions and you will have the calculation you need for your taxes quickly.

Learn more about the features and benefits here

ZipDebt Testimonials

See our proud and extensive collection of customer testimonials and reviews

``My results: in 9 months I just finished settling my last account. I spent $66,293 to settle $208,435 for a savings of $142,142. My average settlement was just under 32% overall, with some as low as 10%! I couldn’t believe it was possible.``

``My advice, follow the program perfectly. Hang in there and realize you are saving at least $1000-$2000 per hour of your time. I’m serious.``

``Though I did very well, I could not have done it without Charles’ help. Our phone discussions and email communication kept me perfectly in the loop at all times. I had PEACE OF MIND knowing I had his advice in my back pocket. Patience pays off, and so does the right attitude–which Charles will give you.``

Roy's DIY Success Story

``Doing it yourself is the ticket, but you will need LOTS of advice from someone who knows and that person is Charles Phelan. The cost of his coaching will save you at least ten-fold the amount when you learn to negotiate yourself. Doing it yourself gives you a sense of empowerment that will help you through the process.``

``I was lucky to talk to Charles. It isn’t easy. This isn’t a magical wand. You have to do the work yourself, but if you follow his advice you will succeed. I have to say that I never thought I could get rid of $100,000 of debt I had just a year ago. I was drowning in it. I settled for roughly 40% of what I owed in average. Charles’ help gave me my life back. He was always available. I followed his advice religiously. He knows his stuff. Thank you, thank you Charles!!!``

Elias' DIY Success Story

``I was faced with $55,000 of credit card debt on 16 credit cards. After being laid off from my well-paying job, it was becoming extremely difficult to make the minimum payments.``

``With Charles’ coaching on how to deal with each credit card/collection agency, I was amazed at how well I was able to negotiate settlements under 50% and with many at 30%. I highly recommend using the ZipDebt method to bring back financial peace of mind and stop the endless barely living paycheck to paycheck treadmill way of life. My credit rating is already back in the good range. I can’t thank Charles enough for all the help he provided and hope others will check out the ZipDebt method to find financial peace of mind as I did.``

John's DIY Success Story

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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