Before I introduce this site, I would like to make a comment about the people who will be reading this. There are real life problems and solutions to those problems introduced on this side, and based on those problems presented, I will divide the readers into three categories.
1) There are people who face these problems, or are approaching these problems. To these people, I hope to provide some insight, and encourage you to be a bigger person than the problems you face.
2) There are those who are not facing these problems, and might never face these problems, but they are human, and realize that these problems are hurting other people in this world, who deserve equal rights and opportunities, regardless of their own financial or non-financial success, and read this to gain insight and are interested in helping their fellow man/woman.
3) There are people who will read this and think that any person facing the problems I present are poor, ignorant, losers, undeserving, etc. If that is you, please read the rest of this paragraph with an open mind and compare yourself to my claims. If I am right, it might be time for a change. These are the people who should read this site the most. When laws are passed and votes are cast, these are the people who will take into consideration only their own needs and wants. The look at the problems that other people are facing, and say that it's their own fault for getting into that mess. When the odds are against those in need, these people will look the other way, and even get angry at those who cry for help, annoyed by the sound. They roll up their windows when a homeless person approaches them in their car to ask for change, because they are too fearful to politely say no, or callously yell at them to go away. We must learn and understand that people are different, and there is no perfect set of laws, cultures, ideals or beliefs that could ever satisfy the entire worlds population, without absolute monotonous conformity of every person, which is against the very idea of free will. They only way we can all survive as a culture is to be tolerant to every person's actions, not to judge them or their decisions based on their place in life, to help every person around you, regardless of what they may or may not need. Too many people are so impolite, they refuse to wait an extra second to hold the door for someone. Take your own success as a blessing, and pass it on to all others, not just the ones who you see with great potential, but the ones who need the knowledge the most. Most of all, if someone is complaining about their problems because they are fearful and can not handle the, do not complain back at them. Offer them solutions, or leave them alone. It is truly an unprovoked and undeserved hatred.


If you have high credit card payments, collections, charge-offs, or just bad credit, then I think you will enjoy reading through this site. I went through everything myself, and I learned a lot through a couple of years of research. Now I want to give it to as many people as I can, in a way that is easier to understand.

This website and all of the information are free. I will provide as much as I can in strategies, sample letters, links to other helpful sites, and as much knowledge as I have about how credit companies work, and how to defeat them.

I am not asking for your money for anything on this site, only that if you do find the information useful, and you are able to use it to get yourself out of debt, that you will make a donation so that I can keep the site up, keep it updated, and help as many people as we can in a similar situation to get out of debt.

If you find the information on this site helpful, please make a donation of your preference so that I can continue to provide this site with updates and helpful information that can assist other people in getting out of debt and achieving great wealth. Please know that I live minimally, and use most of my earnings and donations for helping others. I am currently designing and building a non-profit organization which will give real world and classroom education to people around the world, free of charge. Most, if not all donations will be directed towards that purpose.

Thank you, and I hope you enjoy the site!