GIVE YOURSELF SOME CREDIT!
Pay off your debt and improve your credit, without the middleman!
Read the video transcript
[Paste the full transcript of the introduction video here.]
Five step-by-step video lessons show you how to understand your rights, negotiate with creditors, build a debt-free budget, and improve your own credit. Scripts, letters and worksheets are included.
- One-time payment
- Watch as often as you like
- Letters and scripts included
Why this course
You'll learn how to pay off your debt and Rebuild your Credit - for yourself.
You don't need a middleman. You can eliminate your debt and rebuild your credit for yourself! You just need the secret information used by middlemen.
Cut Out the Middleman: Former Legal Assistant Teaches Consumers How to Negotiate Their Own Debt
This course teaches you to work on your debt and your credit at the same time, in plain language, so you know what to say, what to do and what to avoid, to save much more money.
Know your rights
Learn the consumer protections that apply to you and how to use them to fight back when collectors call or send you collection letters.
Negotiate with confidence
Our student's have saved up to 80% off their past-due balance. You can too! Get word-for-word debt negotiation scripts and settlement letters, plus avoid the common mistakes that cost people a lot of money.
Rebuild your credit
Many times credit disputes backfire because people do it wrong. Once you understand the credit dispute process, you'll know when to use it and when not to. You'll also get dispute letters matched to your situation.
Ready to start? Every lesson, letter and script is included.
Secure enrollment via PayPal
What you'll learn
How debt really works and how to talk your way out of debt and improve your credit.
Each lesson ends with a quick quiz, to make sure you learn the lesson's and every lesson comes with bonus tools you can use right away.
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Module 1
Know your rights
See how the credit reporting system really works and what protections you have as a consumer, so you can fight back with confidence.
Bonus
Ready-to-use form letters for common situations
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Module 2
Managing the debt clock
Not all debt is the same. Do you actually owe the debt? Learn the types of accounts you may have and how time limits can differ by account type and by state.
Bonus
The Debt timGrid, a quick reference for negotiations
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Module 3
Improve your credit
Disputing everything on your report can backfire. Learn when a dispute helps, when it doesn't, and how to do it properly.
Bonus
Credit dispute letters matched to your situation
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Module 4
Magic Budget Builder
Find the "Magic Fraction" of your income you can put toward debt, so you can pay down balances faster using only your current income!
Bonus
Downloadable Magic Budget Builder worksheet that updates as your budget changes
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Module 5
Debt negotiation
Learn how to communicate and negoitate with creditors and debt collectors. Know what to say, and how to avoid the mistakes that cost people a lot of money when settling their debt.
Bonus
Debt settlement scripts and settlement letters
Secure enrollment via PayPal
Your instructor
Hi, I'm J. Ford, a consumer advocate who has been where you are.
In 2005 I was going through a divorce with a mountain of debt, and collectors were calling every day. When a sheriff showed up with a lawsuit over a past-due credit card, I froze and did nothing. I lost by default and ended up with a judgment of about $1,000 plus court costs.
In 2006 I became a legal assistant at a bankruptcy prevention law firm. Every day I negotiated with creditors and collectors, and I saw how many people were taken advantage of simply because they didn't know their rights. If I had known mine, I could have avoided that lawsuit.
So I started teaching clients how to negotiate for themselves. By day I worked at the firm. By night I wrote a blog, made videos and helped hundreds of people work through their own debt.
This course packages about 15 years of consumer advocacy, credit counseling and debt negotiation into five lessons you can finish in an afternoon.
Learn what I know. Enroll nowSecure enrollment via PayPal
Student stories
People who saved more by negotiating for themselves without a middleman!
"They agreed to settle for a 50% reduction. The balance was $4,700 and they've offered to settle for $2,300. Thank you so much!"
"Good news! I negotiated a settlement with my bank. [Confirm the exact figure with Maria before publishing.] Thank you so much for your help!"
These are individual experiences shared with permission. They are not guarantees or typical results. Outcomes depend on your accounts, your creditors and your circumstances, and many people will not see the same results.
Everything in one payment
Get the whole course, the tools and the templates for $97.
Less than the cost of one hour with most professionals, and you can watch as many times as you need.
Better Credit Course
$97 one-time payment
- Five video lessons (about 4 hours) with quizzes
- Magic Fraction Budget Builder worksheet
- Debt Grid quick-reference
- Form letters, dispute letters and settlement letters
- Word-for-word negotiation scripts
Secure enrollment via PayPal
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Questions people ask before enrolling
Who is this course for?
Anyone with past-due debt, collection calls, or a credit report they want to improve who would rather learn to handle it themselves. No finance background needed.
How long does it take?
The five lessons take about four hours in total. You can pause, replay and come back to any lesson whenever you like.
Is this legal or financial advice?
No. The course is educational. It does not replace advice from a licensed attorney, tax professional or financial advisor about your own situation.
Will settling a debt affect my credit or my taxes?
It can. Settling a debt for less than the full balance may be reflected on your credit reports, and forgiven debt can have tax consequences. Creditors are also not required to agree to a settlement. Talk with a qualified professional about your situation.
I've been sued over a debt. Is this course enough?
Never ignore court papers. Respond by the deadline on your summons and speak with a licensed attorney or a local legal aid office about your case.
What is the refund policy?
[Summarize your refund policy here and link to the Terms and Conditions.]
Your next call with a creditor doesn't have to be a guess.
Learn what to say, what to send and what to avoid. Start today and finish the course in one afternoon.
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