Q. Didn't the bank loan me "money" through the credit card?

A. No. Under United States Code, Title 12, the bank is forbidden from loaning its own money to you. So in order to create money, you signed an Application for a credit card which was used as promissory note [debt] and was deposited with the bank. They created the debt then charged you interest and finance charges on your credit card account. That's right, its your credit based upon future earnings and was always your credit - the bank is legally prevented from loaning you its own credit.

Q. How do I reduce or eliminate credit card debt?

A. Using our "Secrets to Credit Card Debt Negotiation", we will show you how to consolidate, reduce, or totally eliminate your credit card debt. This includes:
1) Two little words that makes the credit card bank cringe.
2) Keeping the upper-hand during debt negotiations.
3) Knowing what to say and how to say it.

Q. Do I have to write letters to get out of debt?

A. No! We have pre-written sample letters you can send to the credit card bank. We will supply you will full instructions as well as sample letters and documents which you will fill out and mail to the credit card company. If you need any help, you can contact one of our debt settlement representatives to walk you through the process.

Q. Should I declare bankruptcy?

A. Bankruptcy should be your last ditch effort in eliminating credit card debt. It will negatively affect your credit score. But if you are insolvent, which means have more money going out than coming in, you can normally eliminate unsecured debt through bankruptcy. It is best to speak with a bankruptcy attorney, which normally offers a Free initial consult. Call around to get more than one opinion and find a bankruptcy attorney your are comfortable with.

Q. What can I expect in my debt settlement?

A. Debt negotiation is a process that doesn't happen overnight. You might be able to settle your debt in a week or 3 weeks. It depends upon the debt and the bank, as well as your own actions. By following the techniques and information in our Ebook, "Secrets to Credit Card Debt Negotiation" you can simply the whole process.

Q. How much money can I save through credit debt negotiation?

A. Using "Secrets to Credit Card Debt Negotiation", on average you can totally reduce or eliminate your debt by 50 - 70 percent. Although, we've had clients settle their debt for as little as 10 percent on a dollar!

Q. Is credit card debt negotiation legal?

A. Yes! Your credit card is a contract. Everyone who is of legal capacity and age can enter into an agreement. You have the right to negotiate credit card debt. In fact, knowing your rights under the credit card agreement and federal law will help you in the process in settling your debts.

Q. Will credit card debt negotiation affect my credit?

A. Possibly! Banks are required by the Fair Credit Reporting Act to issue correct information to credit reporting agencies about your account. Unfortunately, they don't always do so. Be aware that actions like closing a credit card account can lower your credit score.

You can prevent this by getting the negotiation terms in writing, even if you have to do it yourself. We have a number of sample letters that address this problem. Note: If you need a credit repair agency to help you clean up your credit, we are affiliates with a Nationally recognized C.R.O. that can clean up your whole credit report for a reasonable one-time fee.

Q. Will I be able to get another credit card in the future?

A. Yes! As part of this elimination process, all Members are shown how to get out of debt and stay out of debt. Although we discourage creating more credit card debt, past Members have applied for and received credit cards. Please note, once you have learned the truth about credit card debt, you move forward on your own accord.

Q. What is the success rate of this method of debt elimination?

A. 100%

Q. How much does "Secrets to Credit Card Debt Negotiation" cost?

A. For as little as $94.95 you can start eliminating or reducing your credit card debt Today!

Q. Do you have an affiliate program?

A. Yes! We have an exclusive affiliate program through ClickBank. You can sign up for a Free account and receive your own replicated website to promote "Secrets to Credit Card Debt Negotiation". We pay our affiliates one of the top-rated amounts of 60% of all sales.

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