Dear Friend,

If you’re suffering from huge credit card debt and you’d like to settle those debts without filing for bankruptcy, without spending thousands with those “credit repair companies” and without ruining your credit history, then this is the most important letter you’ll ever read.

That’s because this letter tells you how you can settle your own debts – for a fraction of what you owe – in as little as 15 minutes a month. It’s possible, and you can do it.

You can settle your own credit card debt. And it’s a lot easier than you think. But first you have to forget about what you’ve heard – including:

• It will take your whole life to get out of debt
• You’ll ruin your credit if you don’t pay all you owe
• Only professionals can get credit card companies to reduce your balance
• Bankruptcy is the only option

Forget it!

Most people are settling their own debts. Sure, some people would rather have someone else settle their debts. Take the easy way out, right?

But the truth is you’ll do a lot better if you do it yourself!

And as for bankruptcy, if you don’t have to do it – don’t! It’s something that will stay with you for years – and your creditors would much rather deal with you and get something – instead of getting nothing!

Credit counselors? Waste of money! Look, these folks don’t really reduce the amount you owe; they simply take your payment and pass it on to the credit card companies. You pay- and pay – and pay; and as for helping your credit score, they do nothing to improve it. Absolutely nothing. The truth is your credit score will probably get worse using a credit counselor.

Not your typical home study course

You know what an e-Class is, don’t you?

I’m talking about a class you take over the Internet.

It’s a course that lets you learn at your own pace.

You finish at your own pace.

It’s the future of learning, except that it’s available to you right now.

And help is available, via question and answer calls with experts who know how to reduce debt.

My Credit Relief Formula e-Class is a class you must take if you want to get out of that mountain of credit card debt.

It will show you how to settle your own credit card debt, step-by-step, in the comfort and privacy of your own home.

Here’s why it’s so easy to settle your credit card debts – for far less than you owe.

It all starts by getting the credit card companies to play ball with you. And you can do it. You see, those credit card companies would have to pursue you through a lengthy legal process that is both time consuming and VERY expensive. And after all that effort, what do they get?

They get a worthless judgment, because you can simply file for bankruptcy.

The fact is the credit card companies know what you could do. So they only sue about 1% of the really delinquent people.

The problem is, even though you might not get sued, you will probably be harassed. And there are strict laws in place that regulate what they can and can’t say to you.

And once you know how to deal with these companies, you’ll have the advantage – and there won’t be much that they can do.

Here’s what credit card companies don’t want you to know:

Anyone can settle by paying just a fraction of what they owe, without filing for bankruptcy, using my simple step-by-step secrets. These are secrets you’ll learn with my Credit Relief Formula e-Class.

Have you tried calling your credit card company? Are you currently making payments? If so, they would have told you, “Sorry – we’re giving you the best deal we can give you right now.”

Ok, no dealing, right?

Are you concerned about ruining your credit if you stop paying them? Of course you are. But the truth is you know you’ll never pay off those credit cards. Not if you pay according to their terms, because they’ll keep you in debt forever.

It doesn’t have to be that way

Just look at what one of our customers in California had to say:

Case Study from a Customer in California

"Before I used your products, I thought I had NO options" I LOVED your products, without them I would be petrified at the way people are speaking to me right now on my phone. I have not even been able to log into your club yet, as I have had to go out of town and just got back. Before I used your products, I thought I had NO options, other than to take the abuse from the collectors, not to mention, it's no use trying to renegotiate your loan, since most of these companies can't even do that because they are not equipped to, they can just take the payments that you are behind in on the loan and make your payments higher for you and catch up. You explained other options and even had recordings telling me about other things I can do. So I am ready. I would have been lost before. Anna, Orange County, CA This Customer Review 4 out of 5 Stars

Here’s a secret that most people don’t know:

You are virtually judgment proof, lawsuit proof and debt proof.

Repeat that, because it is the most important thing you will learn: You are virtually judgment proof, lawsuit proof and debt proof.

It the main reason you can get out of debt, and stay out of debt. And you can repair your credit at the same time. You see credit card companies have no options. Once you take control of things, they MUST work with you or they’ll end up getting nothing. Here’s just a sampling of what’s covered in my Credit Card Relief Formula e-Class.

• Fast and easy methods for eliminating your debt
• What to do if bankruptcy is the only option – what Chapter 7 and Chapter 13 really mean (Don’t make a terrible mistake if you haven’t seen this important information)
• What NOT TO SAY if you’re in the process of settling your debts – you could ruin your chances of settling your debts if you make one of these simple mistakes – and they’re not what you think they are
• The dirty tricks that debt collectors use to get you. You’ll be surprised at how low they’ll stoop to catch you – and how close you could be to getting caught
• Why you don’t have to be afraid of collection attorneys; most of debt collectors just spew empty threats about lawsuits. But if they do file a lawsuit, don’t panic. You’ll double your chances of winning with these tips on how to deal with collection attorneys and lawsuits
• 7 ways to get the banks to accept your offer. No matter how much you owe you can escape with the help of these simple tips. And the value of what you’ll learn here is worth the cost of the entire course
• 6 well kept secrets about settling debts and avoiding the embarrassment of a car repossession or home foreclosure

Credit Card Holder in California

Richard, what can I say... as a single mother, one-income household, to say I was up a creek without a paddle would be putting it mildly! Your course and all the great information has given me the knowledge and the confidence to take my creditors on single-handedly. I have been able to drop the total on my credit cards from almost $50,000 to a very workable $8,700. I plan to have that paid off by next summer. Thank you so very much for all of your hard work and for making your information available to all of us who can truly benefit from it. YOU are truly the REAL DEAL! Patricia Cuen, Chula Vista, CA This Customer Review 5 out of 5 Stars

The Credit Card Relief Formula e-Class includes:

• 6 e-class modules to study-one sent every 10 days including lesson transcripts and supporting documents
• 90 minute video on credit repair including how to repair your credit from bankruptcy
• Everything you need to know – step-by-step, A to Z. This is the authoritative course on settling your credit card debt for far less than what you owe, quickly - and legally

S0 who is behind this unique Credit Card Relief Formula e-Class?

My name is Richard Geller. I’m often quoted in newspapers and on radio and television news shows, because I’m considered an expert in the real estate and credit field. And once you take my e-class it will be like pulling up a chair, sitting next to me in my office as I counsel people – and watch as I work throughout the day – learning every single trick I know, every single technique I employ and every secret I use to reduce credit card debt. 

Let me share this with you: I’ve gone from very bad personal credit as a teenager to raising millions of dollars of business capital from a variety of sources in my professional life. I’ve been through it all, and I know how to work the system. I know how to get lenders to respond. I know how to get banks to agree to settle for just a portion of what you owe. I’ve “been there, done that” – and now I’m going to share it with you!

Just look at what some of our other customers had to say:

I gained really good info on the way to handle credit card companies and debt collectors. I would recommend this info to anyone! Jean Scott, Toledo, OH

Richard, I have to tell you, thank you so much for the information that you have provided. I was at the point of closing my business, but thanks to the material you have made available, I was able to pay some of my credit cards at a discount, and soon I will be free of debt. Maria, Fresno, CA

Hi Richard, Your courses are truly are a blessing! They gave me the confidence to tackle my debt heads-on and am now considering to make this into a part-time business. Thanks so much! Emily, Tracy, CA

The information is clear and to the point. I find myself going back to the course as a reference over and over again. Thanks so much. You are changing lives. Brian S. Kelly, Woodstown, NJ

Now I’d like to ask you how much you think you’d have to pay for this remarkable course?

$400? $500? More? Whatever you may have guessed, it would be worth every single penny because it can help you get that burden of debt off your back once and for all.

But the truth is you can order my Credit Card Relief Formula e-Class for the remarkably low price of just $197!

Remember, the e-Class is a class that you download – you learn via the Internet by downloading the Credit Card Relief Formula e-Class. You study at your own pace.

Start the e-Class. Go through the modules. Look over all the tricks, secrets and techniques that I’ll show you on how to reduce your credit card debt.

Most importantly, my Credit Card Relief Formula e-Class has a...

I urge you to place your order now. DUE TO THE INTENSE NATURE OF THIS COURSE we must limit enrollment to only 30 people.

In addition, I will give my next 30 students these valuable Bonuses:

BONUS #1 - 3 Minutes to Ending Panic and Anxiety - Downloadable 3 CD Set & Book, Value $147 - AND IT’S YOURS FREE!

BONUS # 2 - Advanced Loan Mods Course - Downloadable 2 CD Set & Book, Value $197 – AND IT’S YOURS FREE!

BONUS #3 - Buying with Bad Credit Manual - Downloadable, Value $97 – AND IT’S YOURS FREE!

SPECIAL UNANNOUNCED BONUS JUST ADDED

The $231,000 to $30,000 Man - Downloadable CD, Value $97

One of the most remarkable interviews I have ever done, and one of the most popular. 

You will be on the edge of your chair. And YOU can do this too...this man settled $231,000 of credit card debts in six months...for $30,000....

and you will get SO many good ideas from this.

The Total Value of the Credit Card Relief e-Class and Bonuses sold separately is $762.

For the first 30 Students (we must limit enrollment to only 30 students) 

You will only pay the remarkably low price of just $197 !

Just click below on the "add to cart" button and as soon as your order is processed, you’ll be given complete instructions and login information on how to access your first e-Class right now.

Five Good Reasons to Order This program will give you all the tips and techniques you need to settle your credit card debt for far less than what you owe You’ll avoid bankruptcy and avoid a ruined credit history You’ll learn how to deal with collection attorneys You’ll starting living the life you only dreamed possible – debt free You’ll be able to learn at your own pace using the latest technology

Do yourself and your family a favor and take control of your credit card debt. You have the power. All you need is knowledge and a voice to guide you. My course can be that voice.

I know that once you take my e-Class you’ll do what many others have done; you’ll use the program and reduce your debt. Then you’ll call me and say, “Thanks Richard” – and write me a testimonial of your own. I’m hoping you’ll do just that!

Yours for a more financially secure future,

Richard Geller

P.S. Don’t forget – you have a full 30 days – one full month – to decide if my Credit Card Relief Formula e-Class is right for you. If you’re not completely satisfied, I’ll refund your money.

AND

Listen to this: if you follow the program diligently for 1 year and can show that you sent the letters and did everything you’re supposed to do – and you can’t settle for far less than you owe – you’ll get triple the cost of the course back after 1 year.

P.P.S. I don't know if you owe $10,000 or $300,000. I've had people who owed those amounts who worked with these techniques and got out from under.

P.P.P.S. Now is the time to act! There is no “later” – do it now. Order this course and you’ll change your life for the better!

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