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engaged in the business of debt collections, would probably lead the ordi nary consumer to think that a debtor seeking some debt relief, is limited basica lly to only two or three options - namely, some kind of debt settlement with you r creditors, a debt consolidation arrangement, or declaring bankruptcy. Concerni ng using the bankruptcy option, providers of debt relief and debt settlement and loan consolidation services, as well as banks and credit companies, constantly warn consumers on radio, TV and Internet advertisements, not to file bankruptcy, often generally portraying it as a negative step, thus largely discouraging man y Americans who are anxiously looking for a practical way out of debt, perhaps e ven a cost free way of doing so, from filing for bankruptcy and causing them to see it in negative terms. At the same time, though, these consumers are offered the other traditional programs of debt relief not only as the better alternative to bankruptcy, but as the ONLY programs that are available for debt relief by c onsumers. In point of fact, however, there are other options. Most particularly, there is one unique, little-used debt relief program that is actually better th an those commonly promoted. This article explores those other options. BANKRUPTCY, DEBT CONSOLIDATION AND SETTLEMENT, ARE NOT THE ONLY SOURCES FOR RELIEF THAT ARE AVAILABLE TO A DEBTOR In point of fact, however, there are other options that are hardly ever mentioned by debt relief businesses, but which are by far better options for con sumers. In deed, one recent major extensive online investigation undertaken by a n independent, New-York-based online review organization (see the link provided at the end of this article), reveals that there is actually one major option tha t is perhaps the best debt relief program for getting out of debt by consumers w hich they can use; an option that is left completely unmentioned and out of any recognition whatsoever in any discussions of that subject, namely, a method we s hall call the Unique Debt Elimination or Reduction Technique. This debt relief m ethod is a technique by which a debtor could get out of debt free without fee, a nd without filing bankruptcy, without settlement, and without consolidation. The technique, the subject of a recent full-scale and thorough formal in vestigation and review duly undertaken by a debt relief review organization, ear ned the review organization's highest rating as the absolute best of its kind in the field of debt relief tools - a 10! According to the reviewers' extensive evaluation, the technique, when ap plied by users, is found to be widely effective with many a consumer who uses th e program for debt reduction and negotiations, only providing, though, that the users actually stick with the program and follow the laid down prescriptions of the program, from the beginning to its end. It found that it works with most deb tors, but most particularly in negotiating credit card debts, and, just as impor tantly, IF you do stick with the complete program that's laid down for you and d on't just look for quickie fixes. Three out of the four persons in the review te am who had personally applied the program's recommendations in managing their de bt, reported astronomical positive reduction in their credit card debt with thei r credit card companies, and one of them experienced that same thing with their auto loan lender, as well. (The 4th one reported he had actually failed to follo w through in many of the important procedures set forth for the program). From interviews with, and reviews of testimonials of, several randomly s elected persons who had bought and used this program, the organization's reviewe rs noted overwhelming positive feedback from such persons, and general customer satisfaction. They report that the program actually yields positive results on a regular basis with creditors in negotiating more favorable repayment terms and
substantially reducing or even totally eliminating debts. On the website of the program creator, several testimonials displayed there are confirmed to be credib le and authentic. Several include photos, full names and location information, c learly lending additional credence to those testimonials. Savings in forgiven or reduced debts reported by users from using the system, range from nearly $22,00 0 to $50,000.In deed, of the thousands of persons who have previously used this program, the reviewers are yet to find even one prior user to date who has somet hing negative to say about the debt cure program! Nor, to contend that the progr am does not actually work! TECHNIQUE EARNS WIDE PRAISE AND HIGH MARKS AMONG THE ELITE OF AMERICAN'S FINANCIAL MAINSTREAM MEDIA, THOUGH IT'S IGNORED BY THE DEBT RELIEF INDUSTRY Aside from the fact that this unique debt reduction and debt elimination technique has been thoroughly examined and shown by reputable, independent eval uators to be a highly effective method, and that many credible debtors, as well, who've used it, have so attested universally, many trusted national financial m edia review organs, as well, have universally praised and been impressed by the technique as highly effective. In deed, included in this group, have included an impressive array of the elite of the American financial media who've reviewed t hem, ranging from the Wall Street Journal, the UsaToday, and the Kiplinger, to t he Money magazine, the Bottom Line, and the Dollars & Sense, among many othe rs. It is a system of becoming debt free without fee, debt relief without bankru ptcy, without debt settlement or consolidation. "Finally help has arrived for the person looking to get themselves out o f debt," wrote The Wall Street Journal, probably America's Number #1 elite and m ost trusted financial publication, of this tool. "Timely information that is eas y to understand, and more importantly, easy to put into practice." "A must have information for anyone who wants to get rid of their debt o nce and for all," said the Readers Digest of it. The Bottom Line magazine, picked the how to get rid of debt embodied in this guide as the "recommended" top of the list of the 12 best books it reviewed on the subject, adding that, "After reading and putting to the test over 12 of the top books on the subject of getting out of debt, our recommendation is the U ltimate Guide." Investigators from the New-York-based online review organization, conclu ded that, "deriving directly from the massive amount of objective facts and evid ence we saw and reviewed in the field, the Unique Debt Reduction and Elimination Program of debt relief, is the proven, credible, unique, NUMBER #1 debt cure pr ogram of its kind," adding that "this product and technique are a legitimate, re liable debt relief option that YOU can trust and rely on as an online buyer or s hopper [and] THAT, USING THIS UNIQUE TECHNIQUE OF DEBT RELIEF, YOU'D BE ABLE TO: Get out of your debt, quite alright, if you just follow the prescribed rules and procedures outlined in it, through. But you'll be able to accomplish that WITHO UT bankruptcy (or the possible, long-term negative effects of bankruptcy), and W ITHOUT signing up for any long term debt repayment plan like debt settlement or debt consolidation, and WITHOUT paying any fees to a bankruptcy lawyer or to any operators of debt settlement or debt consolidation company, as well as WITHOUT having to pay much to your creditors on the debt you owe." Thus, it's a program of getting debt free without fee! WHY IS THIS NEWER, NON-TRADITIONAL TOOL FOR DEBT RELIEF NEVER MENTIONED? In short, what we have here is a method of debt elimination and debt sol ution that most debtors can just as effectively use today to get rid of debt. An d, above all, aside from the effectiveness of this tool, it is the tool that is
best for the debtor and personally most beneficial to him: it involves no bankru ptcy or the exorbitant legal costs which it carries, no debt settlement and no d ebt consolidation, or the considerable costs associated with them. And, for the debtor using this method of getting out of debt, it is system of getting debt re lief free with virtually ZERO direct out-of-pocket extra expense that they'll ha ve to pay to use this tool, and no payment whatsoever that they'd have to make t o their creditors using this method. The curious question is, why then? Why? Here is this 7th option or the unique technique of debt relief, whi ch by all accounts is as effective as, and apparently superior to, almost all th e other existing techniques for getting out of debt in the debt relief marketpla ce today, never mentioned or heard of? A method that is far less expensive for t he debtor to use, but which bestows all these special financial and other benefi ts to the debtor using to try getting out of debt, including being debt free wit hout bankruptcy, without debt settlement or consolidation or the associated cost s, and without having to enter into agreements for long-term payments to credito rs, etc. And, here is an option or method that is almost universally endorsed an d confirmed by various independent and trusted reviewers as being effective and workable in getting one out of debt. The acclaimed author and creator of this novel 7th option method of debt relief has a ready answer for that. "Because every lawyer, debt consolidation c ompany, debt counselor and financial consultant has a vested interest in what ac tion you [the consumer] ultimately decide to take," he states. "They only make m oney if they can convince you to "hire" them! To make matters worse, they will p retty much say... do... or promise anything to make you one of their clients. Ev en if it means outright lying to your face!" He argues that the people in the debt relief industry can't afford to ha ve, for example, a system that entails debt relief without bankruptcy, or a syst em for a debtor to get out of debt free, simply because that will mean that they don't get paid. He adds: "It's really a no-win situation for the little guy -and for you to succeed -- you MUST realize that the deck is stacked in THEIR fav or, NOT YOURS, because YOU are the one with the debt problem... NOT THEM!" FOR INFORMATION ON THIS NEW INVESTIGATION and the unique 7th option tech nique of debt reduction or elimination for becoming free debt free, please visit : http://www.HonestDebtReliefReviews.Org/uniquedebtcure.html
Benjamin Anosike, Ph.D., has been dubbed by experts and reviewers of his many books, manuals and body of work, which dwe ll largely on self-help law issues, as "the man who almost literally wrote the b ook on the use of self-help law methods" by America's consumers in doing their o wn routine legal chores - in uncontested divorce, will-making, simple probate, s ettlement of a dead person's estate, simple no-asset bankruptcy, etc. A pioneer and intellectual and moral leader of the 1970s-based "you do your own law" movem ent and a lifelong vehement advocate and veteran of historical battles for the r ight of the American consumers to perform their own tasks in the area of routine legal matters, Anosike was one of the pioneers who fought and survived (along w ith many others of courage) the lawyers' and organized bar's stiff war of the 19 70s and '80s against American consumers and entrepreneurs who merely sought, the n, to use, write, distribute or sell law-related self-help books and kits for no n-lawyers to do their own law, upon the lawyers' claim then of such being purpor tedly "unauthorized practice of law" or "practicing law without a license." Anos ike holds graduate degrees in labor economics and management and a Ph.D. in juri sprudence. Once characterized by a review of the American Library Association's
Booklist Journal as "probably the most prolific author in the field of legal sel f-help today," Dr Anosike is the author of over 26 books and manuals (and countl ess number of articles) on various topics of American law, including 4 volumes o n personal and business bankruptcy filing, in a lifetime of dedication. For more on the subject matter discussed in this article, or on how to get a low-cost, a ffordable bankruptcy filing, or the author's other books and manuals, visit this site: [http://www.Afford-Bankruptcy.Com]
Article Source: http://EzineArticles.com/?expert=Benjamin_Anosik e,_PhD
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