Debt Elimination Success Seminar
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Section 1
A Look at Debt
History of Debt
Credit Card History
Current State of Debt
How You Got Into Debt
Good Debt Bad Debt
Business vs. Personal Debt
Section 2 Dealing With Your Money
The Two Step Plan
Doing The Two-Step
Step One
Step Two
The Paths Out of Debt
1- Create a Debt Payment Plan
2- Neogtiate Better Rates & Terms
a.Consolidation Loans
b.Consumer Credit Counseling Services
3- Negotiate Lump-Sum Settlements
4- Bankruptcy
5- The Easy Way
6- Win $1,000,000
Living Debt-Free
Manage Your Money
Make More Money
Save Money
SameMoney-MoreFun
Stay Debt-Free
You as a Business
Section 3 Dealing With Your Creditors
Alerts/Scams
The Credit Industry
Credit Industry
The Fine Print
The Secondary Debt Market
The Debt Collection Process
Original Creditor
The Charge-Off
Collection Agency
Legal Problems
Dirty Creditor Tricks
Dealing with Debt Collectors
Dealing with Debt Collectors
Statute of Limitations
Cease and Desist Letter
Section 4
The Credit Report
The Credit Report
Credit Score
Credit Repair
Section 5
Dealing With Yourself
The Critical Factor
The Art of Prosperity
The End of Failure
Prosperity Coaching
Section 6
Kids and Money
Kids and Money
How to Pay for College
Section 7
Debt Information
Bookstore
Debt Facts
Radio Show
Resources
About Us
Privacy Policy
Site Map
If you find this information helpful I ask you to contribute to help me help more people. You can contribute through PayPal by clicking on this button Or you can mail in your contribution.
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Just because you have had failures in your life it doesn’t mean that you are a failure. Sure others will try to label you as one, don’t believe them. A failure, an event, only becomes a failure, a person, when a person internalizes the event, or series of events, and turns them into an identity.
Since failure is an intrinsic part of life, we can’t be free to succeed unless we are free to fail, we need to have a strategy for dealing with it. One great way to do this is by expanding your definition of success to include experiences that teach you something. Then if an event doesn’t turn out the way you wanted it to but you learned something it becomes a success.
What would you choose money or happiness? Alright wise guy, you think that if you had enough money you’d be happy. Well that’s not always the case. And in this case your choice is, what would you choose happiness or money, if choosing money meant you could not be happy. I’m guessing after giving it some thought you’d choose happiness. After all, this example didn’t preclude that money couldn’t follow happiness. So if you choose happiness it’s possible that you could have both. But what’s the point?
If you make money too important then it distorts the other parts of your life. If you put money in its proper place, as important but not the most important part of your life, then temporary financial failures also fall into place. They become setbacks but not permanent conditions.
It’s always a good idea to take stock of all the great things you have in your life but its especially important when financial trouble is at hand. Simply making a list of all you have to be grateful for is a great way to start turning your emotions around. There are plenty of things you can enjoy in this world that take no money at all. So do some. It’s also okay to use some money to have fun; in fact it’s an important emotional component of healthy financial living.
Be good to yourself. Be grateful for what you have and share yourself, your time, and your money with others. When you do your temporary failure starts to lose its grip on you and success, in all its various forms, will rush in to fill the void.
There’s Never Been a Better Time to Fail
This is a great time to fail; there’s never been a better time in all of history to fail. That’s because it’s never been easier to get a fresh start and a second chance. And you get as many second chances as you need. Fail start over. Fail again, start over again. There’s no limit to the number of times you can try again.
Becoming bankrupt used to be a crime. You could be put in jail where if you couldn’t supply your own food, and you were in jail because you had no money so how could you buy food, you were left to starve to death. This isn’t ancient history it was for almost the first one hundred years of American life. Shortly after the American Revolution the richest man in America had a financial downturn and was put in jail. No more. Now if you go broke you declare bankruptcy and get a credit card application in the mail the next month. Early Americans would laugh at us we’re got it so easy.
Early credit reports kept bad marks on forever. Now they diminish in importance as time goes by and they fall off completely in a few years. You can even challenge bad marks on your report. One of the first people to challenge his credit report initially won his court case but after decades of appeals the Supreme Court ruled against him on a technicality. By then he was so old he didn’t re-file the case and he had to pay the credit bureau’s legal fees, which left him broke. Then he was used in the bureaus marketing materials as an example of what would happen to anyone who challenged their credit report. Now you go online or send a letter and you get your case investigated within thirty days. You might not get the answer you’d like but it won’t cost you all your money, your liberty, and your reputation.
Even success doesn’t insulate against failure. It’s not unusual for people to have financial success only to run into trouble and have to start over again. Lots of people make a million just to lose it. But they all say it’s easier to make the second million because of what they learned the first time. Learning from their success and their failure leaves them with a valuable lesson. They’ve made it before and the can make it again.
When you experience failure make it temporary by giving yourself a second chance. You won’t be put in jail or subjected to public humiliation. Get up, dust yourself off and keep trying until you succeed.
Clear Your Moral Debt
Consider these age old questions: Were men always at fault for their failures? Did a man’s moral responsibility to pay his contracted debts persist even if the law let him off the hook?
With today’s collection laws debts are written off a company’s books after six months. They sell the account and take a business deduction on the debt. At that point they won’t deal with the debtor, not even to take his money. This leaves us with a moral dilemma. What do we do? We could pay a collection agency that’s purchased the debt for pennies on the dollar but for many of us this is not a good way to clear a moral debt.
Here are some alternatives:
You could give money to charity. You could even give money to the charity of the business’ choice. You’ll often see companies supporting a particular cause.
If the company is publicly traded you could buy stock in the company. This way the company could use the money for their business needs and you could benefit, from dividends or stock appreciation. You could even give the stock to charity.
You could shop, with cash, at the business and then give the merchandise to charity. This way the business would make some of its money back and the charity would benefit.
The most important aspect of any transaction you choose is the spirit in which it’s done. Make spiritual peace with your debt, your creditor and yourself. Do the best you can financially. Forgive, ask for forgiveness and move on.
The End of Failure
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The Invest In Your Debt Online Seminar will teach you how to transform your debt from financial burden to financial opportunity.
Then show you how to build personal wealth and achieve true financial freedom.
Get a fresh start with money by listening to Carol Tuttle's energy clearing "Creating Money" CD.
The Millionaire Mind Intensive seminar will help you uncover your personal money roadblocks.
