Now you can have immediate access to their insider information to level the playing field with your creditors and negotiate settlements equal to what experienced professionals in the debt settlement industry expect. Use what you learn to eliminate your debt by paying your creditors 50 cents, 40 cents, 35 cents on the dollar or even less to settle your debts once and for all.

Yes, of course you can.

It is true that consumers face a myriad of obstacles in obtaining debt relief from their creditors. Creditors are represented by professionals who may have experience in conducting hundreds if not thousands of negotiations personally. In addition they have access to an institutional memory in the form guidelines and policies based upon the creditor’s overall experience of what strategies and tactics are most effective in negotiating settlements.

The typical consumer is relatively uninformed about these matters while trying to settle debts with their creditors. The creditors use their superior information to the disadvantage of the consumer seeking to settle their debts.

2. Negotiating The Best Settlement Possible: Most credit card banks and other creditors frequently shift tactics and alter their settlement policies. Debtools will train you to recognize what the shifting tactics mean about the creditors’ willingness to settle at varying stages in the collection cycle. You will learn when it is preferable to hold out for a better settlement versus when it is better to take what is then being offered.

3. Settling Your Debts Once And For All: When you settle a debt you want it to stay settled. However, you cannot rely on creditors to waive future collection efforts against you unless you properly document your current settlement agreement. It is not at all uncommon after settlements are fully funded for the current creditor or for a successor in interest to resume trying to collect the full amount originally due. Debtools will train you how to mitigate this risk by properly documenting actual debt settlements negotiated to conclusion so you can record your settlements and recover the documentation reflecting those settlements if needed for future verification.

Personal Coaching is not required. The comprehensive five-hour audio seminar program and related materials will train you in every aspect of credit, collection and settlement negotiations required for you to settle your debts successfully.

We recommend adding Personal Coaching to Training because:

1. Nearly everyone can improve their personal best with objective input from a qualified, committed third-party such as a Debtools Personal Coach.

2. Personal Coaching can be a confidence builder making you more effective sooner, being secure in the knowledge you can always refer to an experienced Coach to help you with any unforeseen curves a creditor might throw at you, even if the unforeseen never happens.

3. Personal Coaching can save you time and energy by supplying an immediate answer to the occasional question whose answer is on the tip-of-your-tongue, but not quite there.

4. Personal Coaching can save you stress and frustration by providing you a factual perspective to counteract a plausible sounding yet wholly misleading argument that a creditor may advance in trying to discredit your attempts to negotiate a settlement.

5. Like any pursuit of importance, eliminating your debt through debt settlement negotiations is a process with ups and downs on the way to a successful conclusion. Personal Coaching can help you get through the downs faster and get back on track toward achieving your ultimate goal of eliminating your unsecured debt.

If you like you can start by purchasing Training only, just the audio seminar and related materials. Later you can add Personal Coaching to your program at your convenience.

For a limited time only, if you purchase both Training and Personal Coaching at the same time, we will give you the Debtools Debt Settlement Guidebook free of charge, a $49.95 value, as an additional reference.

Simply put, because it is a good business proposition for Debtools and for the consumers who buy the program. Debtools is selling information based upon the knowledge and experience of it principals. The same information could be used by a full-service debt settlement company to represent clients and negotiate settlements for them.

Due to the significant overhead expenses required to represent clients directly in debt settlement negotiations, full-service debt settlement companies ordinarily cannot afford to represent a client with less than $10,000 in debt. As a result there are millions of consumers who need to settle their debts but don’t qualify for the full-service debt settlement companies.

Debtools is pursuing this underserved market by offering its Insider Information in its Training and Personal Coaching programs.

In addition, many consumers who do qualify for full-service debt settlement companies choose not to enroll, even though they need to settle their debts, because they are unwilling or unable to pay the fees charged by the debt settlement companies, because they are not confident the companies will represent their best interests, or simply because they want to control the debt settlement process themselves.

Debtools’ Training and Personal Coaching Program is an effective, cost efficient alternative for this additional underserved market segment.