Attention: Do you owe too much on credit cards?

"Who else wants to settle their credit card debt for just dimes on the dollar?"

It's all about reducing how much you owe...so you can settle by paying back a fraction of what you owe...and get the credit card company to report positively on your credit report!

Are you suffering from huge credit card debts and do you want to settle your debts without bankruptcy...while keeping your credit (or making it better)?

What if you could learn how to get out of even massive credit card debt, the easy way. And emerge with good or even great credit in just 18 months?

And what if you found out that so-called debt settlement companies are the LAST places on earth who will help you...and why you want to spend a few hours and help yourself...would you want to learn more?

Dear Friend:

If you are sinking into despair because of an avalanche of credit card debt, then this will be the most important article you ever read.

It tells you how to settle your own credit card debts for a fraction of what you owe. How to do get out of card debt and improve your credit. And how you can do that in a few hours, over a period of 18 months be debt free with a good or great FICO score.

The big myths that are keeping you in debt

Who knew little pieces of plastic could do so much harm? Don't wait another day to repair your credit, settle your debts, and get your life back on track.

Why most people are better off settling their own debts the easy way...

Most folks would rather someone else settle their debts. Take the easy way out, and why not? If someone else can do this for you, then it's a lot easier.

But the truth is, you never get as good an arrangement if someone else does this, than if you do it.

You can file bankruptcy, but you may not have to...and why do it if you don't have to? It is quite easy to get out of credit card debts because of the fact you could file bankruptcy...your creditors would rather deal with you and get something rather than nothing.

Bankruptcy is also not a great option because the law was changed and many folks end up in a Chapter 13 which requires them to repay their debts over many years, while paying big legal fees and getting none of the benefits of bankruptcy.

Another option you have is to hire a credit counselor. But these folks don't actually reduce the amount you owe. They simply pass along your payments to the credit card companies. You pay, and pay, and pay. And they do nothing to improve your credit score...in fact, your credit score will get worse if you deal with them, chances are.

Another option is to go to those "debt settlement companies." They charge an arm and a leg. And don't do anything for you that you can't do better, for yourself.

Because the secret is out. Settling credit card debts is not difficult.

Why it's easy to settle your credit card debts

You maxed out! And now the creditors are banging on your door. Don't let them in to your finances, security, and happiness. Settle your debts for far less than you owe!

It's easy to turn the tables on your credit cards and deficiency judgments. And get them to play ball with you.

The reason is that they are a toothless tiger. They have to pursue you through a lengthy legal process, and this is both time consuming and expensive. And in the end, what do they get?

A worthless judgment because you can always file for bankruptcy.

The card companies know this. So they only sue maybe 1% of the cases of those who are delinquent. And even if you are unlucky enough to be sued, their records are usually so disorganized that you can easily prevail at trial (a trial that doesn't even require a lawyer.)

Usually, though, you don't get sued. You just get harassed. And there are strict laws that regulate what they can and can't say to you.

You see, if you know how to deal with them, you have the upper hand and there isn't much they can do!

Here's what they don't want you to know...

You are in the driver's seat. It's up to you to pay or not pay your debts. And your credit doesn't need to suffer...it can actually IMPROVE

MONEY. You work hard to earn it. Why shouldn't you keep it? Settle your credit card debt for just dime on the dollar-the easy way.

Anyone can settle you're the worst debts and pay off a fraction of what they owe, without filing for bankruptcy, using my simple step-by-step secrets. Secrets you can learn in one evening or by listening in your car a few times on your way to the office.

Have you tried calling your credit card company? Are you making your payments? Then they will have told you "sorry, we are giving you the best deal we can give you right no."

So they won't deal, right?

And you are concerned about ruining your credit if you stop paying them, aren't you? In fact, you know, deep in your heart, that you will never pay off these cards. Not if you pay according to their terms...because they will keep you in debt forever.

Imagine growing old and having to work. Being weak and tired. And plodding to the mailbox with a check every month. Seeing what could support you in style going into the mail, to pay yet another payment on the endless industrial dreary conveyor belt that will ultimately deliver you til death do you part.

Now, instead of that, imagine you and your partner on vacations paid for by cash. Driving a snazzy late model (but not new) car, all paid for with cash. And when you mail checks to pay bills, it's just a routine and easy matter rather than a heartache. You have a light head because you have no debts in the world.

Can you get from where you are, to that place of all cash, and no stress or money worries?

Yes, I think you can....

Why you are virtually judgement proof – and how to use this to your advantage

Most credit card debt holders think that they can never take control of their debts. That they have to be scared when the collector comes to call.

But most people don't know this secret:

That you are virtually judgement proof, law suit proof and debt proof.

That's why you can get out of debt and stay out of debt. And repair your credit at the same time. Because your credit cards have no options. Once you take control of the situation, they must play ball with you or they will get nothing!

This is such a huge epiphany. I can't overstate it's importance.

Here's what's covered (only a partial list) in the course:

• Fast and foolproof methods for eliminating debt.
  
  
• Easy ways to save money every month WITHOUT drastically changing how you life. Keeping the dollars in your pocket doesn't mean sacrificing the good life you deserve.
  
  
• What to do if bankruptcy is the only option—what Chapter 7 and 13 REALLY mean. Don't make a terribly mistake just because you haven't seen this information.
  
  
• So you're in the process of settling your debts. DON'T do or say these things!! 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 debt collectors use to get you. You'll be surprised how low they'll stoop to catch you…and how close you could be to getting caught.
  
  
• How to bounce back from credit damage in as little as 18 months. Settling your debts doesn't mean you'll never have good credit. With this easy two-step process your credit will be restored in as little as a year and a half.
  
  
• Why you don't have to fear collection attorneys—what to do if that court summons should come, and why you'll probably win. Usually debt collectors spew empty threats of filing lawsuits. But sometimes they follow through. If that should happen, don't panic. You'll double your chances of winning with these tips on dealing with collection attorneys and lawsuits.
  
  
• 6 well-kept secrets about settling debts and avoiding the embarrassment of car repossession and house foreclosure. Having your house or your car taken away is a credit nightmare. Well it's time to wake up from that bad dream. You'll thank your lucky stars you know these simple secrets.
  
  
• 7 ways to make the banks beg to accept your dimes on the dollar. Even if you are up to your eyeballs in debt you can escape with the help of these simple tips. The value of this one CD is more than that of the whole course.

Settle your debts for dimes on the dollar RISK FREE—in as little as 18 months

Have you ever seen that show "Are You Smarter Than a Fifth Grader"? Well, you don't have to be to get the most out of this course. It's so easy to understand you can go through it in an evening, no trouble. And be shocked by how much you know.

With my Credit Card Relief Formula home study course, you'll receive:

• 107-page handbook with all you need to pay off your debts with only dimes on the dollar. I'm talking forms to fill out and examples to follow. Not rocket science.
  
  
• 6 CD audio track with all the info about getting out of debt and STAYING out, by someone who knows best.
  
  
• FREE bonus audio track
  
  
• Additional FREE bonus reports
  
  
• RISK FREE 365 DAY TRIAL. Try every technique, trick, and secret you want for a full year.
  
  
• Step-by-step, A to Z, all you need to know. This is the authoritative course on settling your credit card debt for far less than what you owe, quickly and legally. Stop letting credit card companies help themselves to what's rightfully yours.

Get your 365 day trial today.

You'll get absolutely everything you need for getting out of debt, all from…

An expert who knows where you're coming from

Now you’re lost in a sea of debt, sink or swim. Isn’t it time you climbed onto a lifeboat and sailed to the paradise of Free and Clear?

So you can examine it for just shipping, use it, and then if you like it, keep it. If you don't like it or want it, anytime within 365 days you can return it for a prompt and courteous refund of every dime you paid (except shipping). That applies even if the thing fell through your wood chipper and all you're returning are the bits. Same refund, no questions asked. Sound fair?

Everything you buy is a trial purchase so you can get your money back any time in 365 days from purchase, excluding shipping, for any reason.

Why am I offering this kind of deal? Because I know this stuff works. Pure and simple. I've know hundreds of people just like whose lives have been transformed because of my course. Before they got it they were swamped in debts and didn't know where to turn. Now they're calling me just to say thanks and to offer to write me testimonial. You deserve the same.

Don't wait another day to shake off the shackles of credit card debt

Confronting massive credit card debt is scary. I'm the first to admit that diving under the covers and plugging your ears is an easier reaction.

But it's not a solution.

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.

Maybe you've made some mistakes. But everyone deserves a second chance. That chance isn't going to come along and find you. You MUST reach out and grab it. Why not make today the day?

Yours for greater short sale success,

Richard Geller

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.

So what are you waiting for? Now is the time to not chicken out and "get to it later." There is no later. This is the time for you to go ahead and get out your credit card and do what you know is right.

I know it's a little scary. But you will in moments have the answers you've been looking for. Go for it, it's really easy and there is no risk at all for you. None.

P.P.S. I know that it is a very LOW COST course. It's almost embarrassing.

People tell me every day that others are offering material not even one third as complete for $997, $1995 or even $4995.

Why am I selling such an expensive course so CHEAP?

Frankly, each day I think I should raise the price because it almost seems like I am offering TOO much. And this course represents my blood and sweat -- a huge amount of work. I go back and forth on this.

The reason for the low price is that I get hundreds out the door when other so-called gurus are getting out a few at a time. I'd rather help a ton of people than just the privileged few who can whip out a credit card and charge $2000.

P.P.P.S. I am a real business established in 1996. You can email me at supportATMortgageReliefFormulaDOTcom (please replace the AT with @ and the DOT with .), or call me toll-free at 877-691-3328 ext.101. People are always surprised when they talk to a real, friendly person, either myself or a team member, when they call. We are located at 4120 Leonard Drive in Fairfax, Virginia, just 100 yards from the Fairfax County Courthouse and police station and about 12 miles from downtown Washington DC.

"It's 100% Guaranteed for a full 365 days, and Available to you Instantly!" I'm never satisfied unless you are more than satisfied. So here's my simple "No Small Print" guarantee. Try today and put it through the wringer. Use every strategy and technique as many times as you'd like for 12 full months. You be the judge. If this program doesn't deliver everything I've promised, or if you're unhappy with it for any reason, just return it and I'll immediately buy it back for every dime you paid (other than shipping.) Return it even if a bigrig truck ran over it...but just return it and get all your money back except shipping. I have no problem making this iron-clad guarantee because I've personally profited from many of these strategies and techniques so I know they work. Fair enough?

It's 100% Guaranteed! Here's How To Order... It's Easy! For Fastest Service: Have your Visa, Master Card, Discover or American Express card handy and click on the secure order link below. Fill in the online form and submit your order. As soon as your order is processed we'll ship everything out to you. You're going to love Credit Card Relief Formula. Claim Your Trial Now! YES! I have read the terms and conditions and earnings disclaimer, and I want the course shipped to me asap for a trial! I don't want to miss out! I want to look everything over, listen to the CDs, and have the right to CANCEL any time I want within 365 days and get all my funds back except for the small shipping expense. I also want to make sure I take advantage of your Free and Clear Club membership, which entitles me to exclusive access to my private forum and a audio or special report every few weeks. Please give that to me free the first month, then charge my credit card $27 per month after the first 30 days, until I change my mind and want to stop all those benefits, which I can do by simply sending an email. Course Gold Edition Platinum Edition The Credit Card Relief Formula  handbook and set of six audio CDs...a real, printed and bound manual, delivered to you in hardcopy form, and six quality audio CD's you can listen to again and again, a $197 value       Plus you get these valuable bonuses by immediate download: exclusive 30 days free access to the Free and Clear Club, includes additional articles and audios...plus customized help and information with a forum community of like-minded people, and access to a  members-only live teleseminars, $27 each month after first 30 days. You can cancel any time simply by sending one email. From Terrible to Great, my "FICO Fixer" manual, a book  that people have raved about that explains how to raise your credit score by as much as 200 points in as few as 60 days.  Now you will be on top of your game with your credit and find that it is quite easy to jack up your credit score even if it's terrible now, valued at $97 Three Minutes to Ending Panic Attacks and Anxiety, Richard Geller's acclaimed course based upon the secrets of a little-known technique used by 250,000 people behind the Iron Curtain in the days of the Soviet Union...and now available for the first time in the US for anxiety and panic attacks, valued at $147 What they DON'T tell you about bankruptcy, a CD packed with surprising advice and facts about bankruptcy. If you are considering it, or thinking about it, or even if you want to avoid it, you will find this CD an eye opener. Explains stuff you'll never hear about anywhere else, so you will know the score and be prepared,  valued at $97 What Is Your Situation? Real Questions and Answers for taking your actual situation even if you are up to your eyeballs in debt or having mortgage issues, and helping to figure on the strategy most appropriate to your needs and your situation. With the aim of helping your credit score, avoiding bankruptcy if that is best, and reducing your mortgage payments or getting you out altogether. Make sure you know all you can about "the big picture" so you can truly be the expert. Valued at $97 Special Trial Offer Total $244 value $682 value HandBook & Set of 6 CD's $97 + $17.97 shipping $147 + $17.97 shipping

Five Reasons to Get your 365 Day Trial You'll finally be on the road to financial freedom. Sleep better at night knowing that you'll soon be debt free with great credit. You'll get to laugh in the face of your lender. They'll be calling to beg YOU to settle your debts for only a fraction of what you really owe! You'll get to avoid the embarrassment and inconveniences of debt. Don't be humiliated by car repossession and home foreclosure and scared off by the bankruptcy monster. It's easy. No tough financial blabber. No sacrificing the way you live. No complicated techniques. Just straightforward methods that really work. It's 100% risk free. Try it and use all of the techniques you want, and if you don't like it, send it back and keep your money!