"The Fastest Way to Eliminate
Credit Card Debt – Guaranteed"

Are you worried about your debt?  Struggling to make all your payments? Tempted to hire a debt relief company to help you?  Considering Bankruptcy?  Facing a lawsuit from a collector?  Late on your payments?  Concerned about your credit score?  The Complete Debt Relief Manual is your blueprint for keeping your money in your pocket and getting debt free, FAST, and then repairing your credit with LIGHTNING SPEED, by yourself, FOR FREE.  Don't waste a penny on "professional help".  The only reason those companies exist is because most people don't know how to quickly solve serious debt or credit repair issues on their own.  They don't have The Complete Debt Relief Manual!  But you, my friend, can change that right now.

Discover the well-hidden secrets the credit card companies, credit card debt settlement services, collection agencies, the IRS, and the attorneys, DON’T WANT YOU TO KNOW!

Save thousands of dollars, stop the harassment, eliminate your debt, avoid bankruptcy, and repair your credit rating.  Step-by-step procedures can be yours today.

Need to get out of debt fast? Are you tempted to call the (800) number for one of the credit card debt reduction or credit repair services you heard on the radio? Are you considering Chapter 7 Bankruptcy?

Then You Need This Book Now!

Book Cover - The Complete Debt Relief Manual

The Complete Debt Relief Manual
By: John Oswald
Revised Edition

Step-By-Step Procedures for:

Budgeting, Paying Off Debt, Negotiating Credit Card and IRS Debt Settlements,
Avoiding Bankruptcy, Dealing with Collectors and Lawsuits,
and Credit Repair - Without Debt Settlement Companies

Don't get scammed by a Debt Settlement, Debt Consolidation, or Credit Repair company!

You can do everything they want you to pay them to do.  You can do it FASTER.  And for FREE.  In fact, some things they promise to do for you can only be done by YOU.

If you're battling debt problems, wondering how to eliminate your debts or repair your credit quickly, and you don't want to spend a fortune for "help", learn to do it yourself. I will teach you:

  • The fastest way to achieve total credit card debt elimination
  • How to deal with creditors, collectors, attorneys, and the IRS
  • Why credit card debt settlement services are a SCAM
  • How to negotiate credit card debt settlements
  • How to write a credit card debt settlement letter that gets results
  • How to avoid bankruptcy
  • How to declare Chapter 7 or Chapter 13 Bankruptcy (if you have to)
  • How to rebuild bad credit
  • How to create simple budgeting sheets
  • How to decide which approach to take
  • Why credit card debt consolidation is NOT a good idea
  • Budgeting Tips
  • The insider secrets to Tax Debt Relief
  • How to write a powerful and effective Cease and Desist Letter
  • and much more...

Here's what others have to say about this book:

I bought "The Complete Debt Relief Manual" for my e-reader. It contains excellent advice. If you're in a financial jam, aren't sure where to turn, trust me this book will lead you through the difficult steps. It'll save you the frustration of seeking help from folks who promise you help but do nothing. They only take your money. Follow the author's advice. It made him debt free! It's working for me. It'll work for you. 
- Arthur in Los Angeles
 I read the book...it's what we're talking about right now in our financial management class.  It's just good, practical, advice.You can share your own personal mistakes and lessons, like we do with our children, and hopefully they will listen and not make the same mistakes.  This should really help people.  Hopefully they can get it before they get taken in by a debt relief company.
- Pastor Daryl Nelson in West Palm Beach

The Complete Debt Relief Manual is the best source of credit card debt elimination information you can find. It covers all aspects, in meticulous detail, of getting out of any form of debt, repairing your credit report, and rebuilding your credit. It even gives you step-by-step plans for dealing with creditors, collectors, lawsuits, bankruptcy, and the IRS.  The wisdom in this book cost me several thousand dollars to acquire, not to mention the hundreds of hours spent researching, reading, consulting with accountants and attorneys, writing, and editing.  Please let me save you both the time and money you would spend learning this treasure of information the hard way.

I hope you haven't already been scammed by a credit card debt consolidation company. If you're paying one right now, STOP! You can get out of the contract and break free any time. If I hadn’t figured out their “game”, I would have spent over six-thousand dollars on their “service”. You have to hear my story (it's in the book).

They promise to negotiate settlements with your creditors, and to deal with them directly so the creditors aren't ringing your phone off the hook, for a huge fee. They lead you to believe you can't do this on your own. LIES! DON'T GET SCAMMED LIKE I DID!!! Before I figured out the scam and told them to take a hike, I paid them over $2,400.00. That was money I could have used to pay off debt.  Had I followed their program to the end, I would have ended up paying them $6,225.00!!!

I wish I had a copy of this book 6 years ago. I would have saved $$$ thousands $$$ and lots of heartache.

This book is a complete, step-by-step guide to debt freedom, from any angle. It should be used as a college text book. Creditors, collectors, credit card and IRS debt settlement companies and attorneys don't want people to know this stuff - it would put them out of business!

If you use the information in this book, you will save money. If you're deep in debt like I was, and you use this credit card debt elimination information, you will save yourself a TON of money. For some, this book could be worth tens of thousands of dollars!

Buy the book and get started today. As you progress, email me with questions or for encouragement.

You can get out of debt, fast, doing it all yourself. Let this book be your guide.

Everything You Need to Know to
Eliminate Credit Card (and other) Debt Is In This Book

AS A FREE GIFT you will also receive a copy of my own family budget spreadsheet (a $47 value). It will save you many hours of set up and formatting. How much is 10 hours of your time worth? How about 20 hours? You can easily customize it to fit your situation.  If you don't use Microsoft Excel™, you can easily set up the same budget sheet in your own spreadsheet software, or just print it out and use it by hand.

The Complete Debt Relief Manual is a professionally formatted, searchable e-book in .pdf format. You will receive the book and free gift by instant download. Print out the checklists so you can stay organized and track your progress, and get started NOW.

Buy it today and get on the fast track to debt freedom!


The Complete Debt Relief Manual
(immediate download)
Get Instant Access

There are proven, effective, lightning fast and virtually unknown ways to get the credit card debt relief you need. This book lays out workable AND foolproof plans to:

  • Create a simple budget
  • Decide the best way to eliminate your debt
  • Eliminate your debt in the fastest way possible
  • Handle the creditors
  • Avoid (or deal with) lawsuits
  • Avoid (or declare, if you must) bankruptcy
  • Negotiate with the IRS
  • Rebuild your credit
  • Save your money
  • Stay out of debt

Here is what the book contains:

Chapter 1 - The Problem: Slavery to Debt

  • Types of Debt
  • Good News - you can get out of debt and stay out

Chapter 2 - The Secrets

  • Credit Card Company Secrets
  • Debt Settlement Company Secrets
  • Collection Agency Secrets
  • IRS Secrets
  • Debt Collection Attorney Secrets

Chapter 3 - Which Debt Elimination Strategy Should You Use?

  • Making Minimum Payments
  • Consolidation
  • Roll up
  • Settlement
  • Bankruptcy
  • Endless Collections and Lawsuits
  • Debt Elimination Strategy Decision Tool

Chapter 4 - The Almighty Budget

  • Discretionary spending
  • Saving an Emergency Fund

Chapter 5 - How to Create a Budget

  • Example Budget Spreadsheet

Chapter 6 - How to Cut Up Your Credit Cards

Chapter 7 - How to Eliminate Debt by Roll Up

Chapter 8 - How to Eliminate Debt by Settlement

  • Example Settlement Offer From Creditor
  • Example Letter for Settlement Offer
  • Example Letter for Countering a Creditor’s Settlement Offer
  • Example Letter for Acceptance of Settlement (conditional)
  • Example Letter for Acceptance of Settlement

Chapter 9 - How I Eliminated My Debt by Bankruptcy (without an attorney)

Chapter 10 - How to Eliminate IRS Debt

  • Options for Repaying the IRS

Chapter 11 - How to Deal with Creditors and Collection Agencies

  • Example Cease and Desist Letter
  • Example Cease and Desist AND Debt Validation Letter to Collection Agency
  • Example Debt Validation Letter to Collection Agency

Chapter 12 - How I Dealt with a Creditor Lawsuit (without an Attorney)

  • Copy of Letter Threatening a Lawsuit (1 page)
  • Copy of Lawsuit Filed Against Me (4 pages)
  • Here is Roughly How I Would Answer Today
  • Copy of Chase’s Reply to My Bogus (original) Affirmative Defenses
  • Statute of Limitations by State (years)

Chapter 13 - How to Repair Your Credit Report

  • Example Letter to Collector to Remove Inquiries
  • Example Letter to Credit Bureau to Remove Inquiries
  • Example Letter to Credit Bureau (or Collector) to Request Correction to Credit Report

Chapter 14 - How to Rebuild Your Credit

Chapter 15 - To Your Freedom (Staying out of Debt)

Chapter 16 - The Checklists


Recommended Reading

What this book will NOT do for you

I am not an expert on foreclosure. Due to the rapidly changing laws and climate surrounding foreclosure, and the risks involved in dealing with foreclosure without an attorney, I am not qualified to advise you. If you are considering walking away from your mortgage, or are currently fighting foreclosure, I strongly recommend speaking with an attorney.

Are You a Slave to Debt?

The rich rules over the poor, and the borrower becomes the lender’s slave –King Solomon - Proverbs 22:7

I have a confession to make.  I was a slave to debt for decades. I made every mistake with handling money you could imagine.  It got to the point where I was beaten down and hopeless in debt, with no retirement savings (cashed out), no savings, tens of thousands in credit card debt, and not enough income to pay my mortgage, bills, and monthly payments. I had to do something.

I began a painful, confusing, and expensive journey through the maze of debt relief options and consequences.  After making several costly mistakes and spending hundreds of hours of intense research I became, through first-hand experience, an expert on debt elimination and credit repair.  I have captured all of the best strategies and precautions available and have created a map to get you through the mine-field of serious debt problems safely.

This book is a treasure map, a jailbreak plan, a WAR PLAN. Every war that has ever been won was won because of a superior and well thought out war plan. This is your chance to discover proven, safe, and FAST methods to win your war with debt and completely eliminate the mountain of debt you're under.

I wish I had known this stuff before I got into debt in the first place. Knowing what I know, and being where I've been, I will never get into debt again, and my passion is helping people eliminate credit card debt (and ALL debt).

Being debt free is so awesome; I'm so excited about this and can't want to share that freedom and that feeling with you!

90 Day Money Back Guarantee

100% Guarantee

If you're not completely satisfied, and you request a refund within 90 days, I will happily refund the price of the book. I am that confident that you will be delighted with and benefit from the simple, powerful, and effective information and little-known procedures in this book.

The book also contains links to all the essential reading - IRS publications, bankruptcy information and forms, Fair Debt Collection Practices Act, and many other helpful documents.

Free Consultation Offer

As an owner of The Complete Debt Relief Manual you will be entitled to a free telephone consultation with me...

I will give you my phone number and you can spend up to 30 minutes on the phone with me discussing any questions you have about any aspect of implementing the procedures in The Complete Debt Relief Manual. (I would normally charge a minimum of $150 per hour for business consulting, so this is at least a $75 value).

Take my advice. Do yourself a favor and get this book and FREE GIFT today for yourself or someone you love, and GET OUT OF DEBT!

Your Small One-Time Investment in this book Today will save you a ton of money and time...

Here's what you get when you buy the book:

The Complete Debt Relief Manual
(Immediate Download)
Value: $ 2,995.00 - $6,995
(based on debt situation)
With FREE Bonus! Value: $ 120
Budget Sheet with instructions (immediate download)

Buy it Now - Click Here
Today only $14

Get ready! In just a few minutes you will be the owner of THE definitive manual on how to get out of debt, recover your credit rating, and stay out of debt FOREVER.
Talk about instant gratification!

"The Complete Debt Relief Manual will change your life."

All the best from your partner in debt-free living,

John Oswald

John Oswald

P.S. - Why Is This Different Than Anything Else Out There?

There are tons of books that deal with any one of the problems you're dealing with - Debt Settlement, Debt Consolidation,  Budgeting, Credit Repair, IRS Debt, Bankruptcy, etc.  To get the information I'm offering in The Complete Debt Relief Manual, you would have to stack those other books up a foot high.

My book has it all, boiled down to the must-know, must-do procedures to solve your entire debt problem, start to finish.  My book is zero-fluff, zero hype, no wasted words.  You will be able to instantly find your starting point based on your situation, decide on your strategy, print out the checklist, and get on your fast track to getting out of debt, all the way to a shiny new credit score, and avoid all the pitfalls along the way.

And remember, there are hordes of debt settlement, debt consolidation, and IRS debt relief companies and attorneys out there ready to take your money.  My book is more than enough to avoid all those scams and keep your money.  After all, your money is YOURS, right?  You're darn right it is.  Get this book right now and keep your money in your pocket.

This book lays out workable AND foolproof plans to:

  • Create a simple budget
  • Decide the best way to eliminate your debt
  • Eliminate your debt in the fastest way possible
  • Handle the creditors
  • Avoid (or deal with) lawsuits
  • Avoid (or declare, if you must) bankruptcy
  • Negotiate with the IRS
  • Rebuild your credit
  • Save your money
  • Stay out of debt

Don't wait another minute!  Order it here Right Now!

P.P.S. - You've got a whole lot to gain and nothing to lose with my three-month Risk Free Money Back Guarantee. Simply follow the step-by-step instructions in this book and you'll save more money and time demolishing your debt than you ever would using a paid debt relief service or scouring through bits and pieces of half-answers on the Web or a stack of fluffy books. Once you use this book to help you eliminate your first balance, you'll cover the cost of the book and then some. So do yourself a favor and order it now before the price goes up!