And the punch line is...

 all other "options"  are nothing more

than costly payment arrangements.

Yeah, rearranging the deck chairs on the Titanic, and for huge fees on top of your debt! Duh!

Do you want to have Zero Debt In 90 Days® and have it guaranteed by professional experts? 

We provide the only system that is NOT a payment arrangement and the only service that is

legal in all 50 states!

That's right; at least seven other states have outlawed settlement, consolidation and counseling!

Wow, what should that tell you!?

Our service is legal in all 50 states because we don't manage your money; we don't cause you more taxes because of forgiven/settled debt or exhaust your cash savings. We solve your debt problem, for life! We provide you with clean, new, stellar credit, just like rich people with a high net worth use every day. Don't believe it?

We have been doing it for the last 16 years! 

We've been in business probably before your credit accounts were even opened.

We do all of the above AND you won't even need to show up in court!

Do you have credit card debt?

How about any type of debt?

  business debt,

  charged off,

  third party debt collectors,

  arbitration?

This expert system was created for you. How about judgment liens? Do you have medical bills, or collectors trying to get you to pay for the balance of that car they repossessed and auctioned? How crazy is that? But this program will fix that mess in less than 90 days!

What about the F Word?

FORECLOSURE!

YIKES! The F Word! Who is in foreclosure? Are you, are you close to it?

          OUR SYSTEM WILL STOP FORECLOSURE !

          REQUIRE NO PAYMENTS !

          NO BANKRUPTCY !

          NO NEGOTIATING !

Hey, this is just too good to be true; quick -- call an attorney! Ask for help! Oh, wait; they started this mess in the first place. Who do you think wrote all the debt instruments and created all the bogus investment derivatives?

In fact, attorneys are the only ones making money these days, helping the banks sue everyone and take their property and cash and everything else. Did you know that the root word for "attorney" is "attornment" which means to take property from one and give to another? Yeah! Attorneys are not practicing law, they are practicing attornment, and who do you think they are taking property from? And who are they working for these days? Uh-huh. The banks.

If your house is in foreclosure, would you like to keep your house for the next two years and make no payments to anyone?

We'll help you do this just like we have for thousands of others who were in your exact situation… until they called us.

You won't need to "negotiate" with the bank, they don't like you anyway, why would you think they would change the deal that might allow them to take your house and sell it to someone else? Duh!

Did you know that in Florida, and many other judicial foreclosure states, many mortgage foreclosures are being thrown out of court because the banks do not have the correct documents? You would think that a multinational banking organization worth hundreds of billions would know how to keep good records. Heck they are probably the most regulated business on the planet.

 They don't keep good records!

Their sloppiness can be worth at least two years of mortgage payments to you, not to mention possibly getting your house FREE AND CLEAR.

Still think an attorney can help you? They are steaming mad as hell that we are distributing this information. You bet! Think about it, attorneys will make a federal case out of your foreclosure, so the entire world can see. You'll pay a huge retainer and a $300 court filing fee just to have yet another attorney freeze all of your bank accounts and seize your property until he can decide what will be done with them!

What ?

Then after paying all of those fees, your attorney will ask what kind of payment arrangements you might be able to make with the bank. Hey, now wait a minute, why did I need to pay those fees just so they can do something that I can do myself? Or, if I could afford to make any payments, we wouldn’t be having this conversation anyway! Bankruptcy is an ugly publicly humiliating mess; it will buy you time, but at the risk of huge court fees and your other cash, income and property.

Bankruptcy will not let you keep your house for two more years without making a single payment.

Zero Debt in 90 Days® is the only proven system that keeps you in your house for as long as you want to stay, while making it possible to even get clear title to your house within that time!

We are not investors, we are not bankers or attorneys or real estate agents. What we are is a group of people just like you that are just sick and tired of the housing crash. We got together and combined our resources and formed a service to help people and punish the banks at the same time. That's right; don’t think for a minute that your bank is your friend. Not when it has put your family under so much stress already.

And best of all, this strategy is included in my system! Think of it as your free ticket to no mortgage or rental payments for the next two years.

Now, do you think we would guarantee this?

Of course! We guarantee that this system will keep you in your house for two years without making a single mortgage or rental payment. And, it could possibly result in you getting clear title to your house in that time.

But let's stay with reality for a minute, you don't know us, but we're suggesting you pay us money based on this offer. So what if it doesn't work? Then you have to fight with us to get your money back? Well, no, of course not. We want to keep our good name, but we will do one thing for you to make this much easier for you and your family.

WE WILL FIND YOU ANOTHER HOUSE THAT YOU LIKE, OR LOVE

and get you payments that are self-respecting and affordable. The lowest credit score you can have is 300, but even if this is your score it will not hurt your chances of getting a house you like or even love.

Now who is crazy enough to make this type of offer?

Nobody! Except us! Why? Because we have a

Proven System!

You won't find this in a law office. You won't find this in some legal books or the library.

Look at what these satisfied clients had to say:

This proven system will get you on track to keeping your house with no mortgage payments for at least two years and possibly getting you clear title, OR, finding another one, whichever you prefer.

We provide written guarantees in Every Deal.

But what about those collection calls? What do I tell these creditors, debt collectors, attorneys, loan sharks, I mean, I just don't know what to say when they call.

Well, you would think that after 16 years of helping people we should have some kind of way to deal with this problem, and you're right, we do, and it's almost not even worth mentioning because we've made it so darn simple. You can expect no more harassing phone calls from collectors, period.

In 30 seconds per call, that will be the last call from that collector when you follow our simple, time proven, system. In fact, our strategies work so well, they even work if you want to avoid your in-laws. Actually, we don't sell this information anymore; we give it away as a promotional item just to give you an example of our expert system.

How I Made $65,000 in Credit Card Debt Disappear in 90 Days!

It includes three secrets to Stopping Collection Calls in 30 Seconds, Get your free 90 page copy of How I Made $65,000 in Credit Card Debt Disappear in 90 Days! that has stopped millions of debt collectors in their tracks and quickly fix your credit. This free book includes all of the detail you need to understand why you can keep your house with no payments and possibly stop a foreclosure altogether. You will see how you can get this Free Book along with some other great free information by reading on :)

After you get this free book you will want to ask me about one way you can borrow money and increase your net worth without using a bank, and I'm not talking about borrowing from your Uncle Buford, I'm talking about a real loan, or loans, that you never pay back your entire life!

And even though I hate personal credit, and how it makes slaves out of everyone who hasn't figured it out yet, I'll give you ALL of the information, complete with time-tested forms and instructions, you will ever need to dispute items on your credit report and remove incorrect and derogatory items within days.

But you probably don't care about the credit history too much anymore; after all, it's only put you into lots of debt. But you will want this free book because it gives all the detail about the collection system and explains how it's possible to get out from under your debt in 90 days and how to end collection calls, answer collection notices and probably most important to many of you, how to stop a foreclosure.

But wait! I know it's free and all; and it's downloaded by the hundreds every week, but please let me finish telling you more about my System guaranteed to free you from your debt liability Legally.

Do you want to have Zero Debt in 90 Days® and have it guaranteed by professional experts! YES ? Ok then...

First let me tell you what WE ARE NOT !

           WE ARE NOT Bankruptcy

WE ARE NOT Credit Counseling 

WE ARE NOT Debt Consolidation 

WE ARE NOT Debt Negotiation

WE ARE NOT Debt Settlement

Ok then let me ask you this question.

Why are the other services illegal in at least Seven, That's 7 States?

Here's why...

Settlement:  will cost you 15% of your total debt and plunge you into a three year payment commitment and if you don't complete it, you'll be in worse debt than you ever could have imagined. They will hold your money for a year, but you will continue paying the settlement company and answering collection calls and lawsuits. And when the creditors and their collection buddies are screaming, calling you every day at work and home, you'd better hope they accept the settlement company's offer to pay less than what they say you owe. In case they haven't told you this, the trend now for many creditors is to refuse ALL settlement offers! And if they sue you before then, forget about it!   

Many creditors, once they know a client is working with a debt-settlement company, will escalate the account. That means sending it to a collection agency sooner or even suing you. And when a creditor takes legal action, the debt-settlement companies drop the account: They don't have the right to give legal advice or represent you in court, and believe it or not, nor do their attorneys.

And what will you do when the IRS wants their share of the forgiven debt? Will you cry to your accountant or just shut up and write a check like a good slave?

And one last point; your credit file, that will be toast! Ever try to get a car loan with a personal credit score of 515? Sure you can do that, at 53% interest and a huge down payment.

We'll show you how to buy a car on credit and not be personally responsible for the debt.

We'll show you how to buy a house at the price you want no matter how low your personal credit score!

Wait, maybe I should repeat that one again in case you were sleeping:

We will show you how to buy the exact house you want -- and at the price you want -- no matter how low your personal credit score! 

Oh and then there's...

Bankruptcy: this is the same as being sued by all of your creditors within 30 days and then having an attorney tell you what will be done with your property and income. You will have no power to negotiate and you will be treated like a child. Oh and did I mention again that your credit will be toast also?!

I'll bet not one attorney will tell you that only those who have nothing to lose will qualify for a Chapter 7, meaning that they should not have filed bankruptcy in the first place. Expect to get into a Chapter 13 payment plan; even if your attorney files under Chapter 7, eventually it will be removed into a Chapter 13! If you don't believe me, check the court records to see how many petitions were removed by an order of

the court.

Consolidation:  - Stop right there! In the history of the human race, no one has ever been successful at going further into debt to get out of debt. Although, if you work for the U.S. Congress you might not understand this quite yet. It is a mathematical certainty that the same habits that got you into debt will NOT get you out of debt, period! This is just another way to steal from you, and I don't care what they say

about your "new" interest rate. Any accountant can verify that you will be in more debt regardless, and did you know that 98% of those who enroll in consolidation are in more debt within 2 years? I'll bet you your total debt that this is verifiable, check it  out. 

Do you like these OPTIONS?

If you're sick and tired of the same garbage, if you want to keep your hard-earned money, and change your life today, change your habits, learn new habits and get superior credit like those with a high net worth do everyday, call me and join this program today! Make that decision to change your life and eliminate your debt forever, increase your net worth and use credit that you'll never be personally responsible for like hundreds of thousands of others have done with my system since 1993.

Hey, this sounds too good to be true, quick, call an attorney and ask for help! Yeah right. They'll just scare you into a payment arrangement, then you're back where you started or worse because they'll charge you for it, then you can still be sued and they'll charge you for that also.   And they charge by the hour which should really tell you something or make you ask, “Am I paying for his time or a solution to my problem?”   Yes, we don’t charge by the hour because we are selling you a solution, not our time.

You might think this system requires a dream team of attorneys, it doesn't! No way, in fact if attorneys gave you the information in this system in the initial consultation, you would never believe you needed to pay them. In fact, we have trained over 80 attorneys and law firms in at least 15 states on how to use my strategies so that they can actually provide a solution to their clients, instead of a bunch of forms.

More testimonials from satisfied clients!

Hello, I'm John Gliha, founder of Zero Debt in 90 Days®,   and the author of Winning the Collection Game® and Blowing the Whistle on Credit Card Debt. Some people call me the "Debt Wizard". 

Credit card companies just hate me because I distribute the only system that they cannot control; it gets you out of debt for life. I've taught over 80 attorneys in 15 states how to use my system so they can actually help people instead of wasting their money on a payment plan.

Listen, you and I both know that you are your best advocate; nobody cares more about your situation better than you and your family. It's simple; you just need the tools and understanding to get back on the right track. You don't need people telling you what to do with your money or getting you into another payment plan and paying legal fees to form jockeys who have nothing else to sell you. Face it, the debt system includes not only banks that want your money, but their attorneys, the court system and these companies that want to get you into a payment plan. You can't make a deal with the same people that created the problem in the first place.

Instead, my proven system will give you the immediate and painless solution to your problem. You will not need an attorney at any time using my proven system.

And it is  guaranteed   by professional experts! 

And you know what’s funny; attorneys are not permitted to guarantee anything! What does that tell you?! This is another reason why I wrote the hypothetical dialogue between a lawyer (not an attorney) who is interested in providing a hypothetical client with a solution instead of selling the only thing he knows, forms, retainers, fees, etc. YUK!   It’s called “What Would Your Attorney Say?”

You can get this for free along with a free copy of my book, How I Made $65,000 Disappear in 90 Days! When you fill out my Contact Form which you will see as you continue to read!

Listen to this hypothetical consultation, it's worth every minute of your time, you can listen while doing other things at your desktop and then you decide. You tell me if this sounds much better than any other payment plan you’ve been hearing.   

I have helped hundreds of thousands just like you to get out of hundreds of millions of dollars of debt. You see, the truth is revealed, it really is all about money, and I guarantee that you will pay far less for my help; I’m talking by orders of magnitude, than you will pay for other methods, and this includes doing nothing. 

It absolutely has to be all about the money for you. Without my system, you will pay on average 25 to 100 times more to get out of your debt situation. So what are you getting? 

Just a taste of the wonderful benefits of My system. 

Zero Debt in 90 Days® 

includes what I call "Que Cards". You see, for many years I wrote and published books documenting many of my strategies. This helped many hundreds of thousands of people, but many of them told me they didn't like reading any books for the help they needed. But back then I didn't know what else to do except provide telephone, fax and email support. That worked okay, but in the last few years I have researched and developed an entirely new system that quickly provides you with the important information you need. It's a system of references, kind of like the cheat sheet your physics teacher let you use on test day. 

There are Five Segments of Que Cards

The First Segment

I took hundreds of pages (both published and unpublished) from Winning the Collection Game and distilled them into, believe it or not, 20 Que Cards. Each reference card, or Que Card, gives you only what you need and each is titled so you can quickly identify your situation with the right Que Card! 

Each Que Card that discusses a legal document or form references the file location on the CD that is included. 

This segment alone has been sold for several thousand dollars, and rightly so. It has greatly helped hundreds of thousands of people who didn't know where to turn. It provided them with the only "anti-debt collection system" of its kind.

Wow, it was so absolutely successful that is has become the most pirated, plagiarized and mimicked system of its kind. We even had to sue one of our sales organizations for trying to hijack it in 2004 (Gliha v. ADS; 1st District Fla.). We won a judgment against them for over $2,300,000! And unlike our customers, they never really understood the system, so they didn't use it to protect themselves against our lawsuit. How funny!

You may find all kinds of similar sounding offers, incredibly even debt settlement companies have started using phrases like “debt elimination”.  If you are looking for a real alternative to just another payment plan and truly something besides writing useless protest letters, then Zero Debt in 90 Days® is still the single program that has worked for over 82,000 people since 1993.

To this day, Zero Debt in 90 Days®   is the only system of its kind and the reason we guarantee what we promise in writing is because we are the original and only Experts ! 

All segments include a brief booklet summarizing the segment and pre-written customized documents that fit your situation perfectly. I promise it will be a quick five minute read and you'll know just about everything you need to know. Just remember not to read it while you're driving. Each file is referenced on a CD by a Que Card. You only need to double-click, download; add your name, print and mail in most cases. If you have questions, you can call or email our experts 24/7. 

In addition to the Que Cards for each segment, and referenced, pre-written forms, you will have access to audio files that further explain each Que Card and the details of each step in the process. Each audio file is very brief and pertains only to the item or subject chosen by you. 

Like thousands of other customers, you will find that using my system is easier than reading all of this sales copy on my website. 

The Second Segment

It's about 8 que cards, that show you how to open a new bank account that cannot be levied by any creditor, including the tax man! This segment also shows you every detail about protecting your home and investment real estate, in only one hour, from any creditor on the planet! 

Additionally, the second segment actually provides you with the right tools needed to begin using unsecured business credit. You will be able to obtain the use of new credit cards without any personal guarantee. This takes only a few months and within two years you will be able to qualify for a list of loan programs from over 4,000 different ones to suit your needs. You could invest, refinance your own house, buy your own company car, the list is long but more importantly; you will have access to credit just like the wealthy have had for the last 100 years! 

The list of subjects includes:

• Why and How to Use a Delaware Series LLC. 
• How to Create the Necessary Operating Agreement. 
• How to Obtain Your EIN for free in minutes. 
• How to establish the relationships between your LLCs, property and cash flow. 
• Selling stock in your LLC through your very own stock broker. How to raise capital and establish business credit. 
• When and Why to use the Memorandum of Articles of Association. 
• Create unlimited LLCs as you need them without paying one more dime in filing fees. 
• Use an LLC to lease back equipment or office furniture. 
• Create value in real estate using debt and an LLC 

The Third Segment

tells you how to create a legal injunction against any bank creditor or any private individual who thinks he can sue you and get your money or property.

Before this offer, this part of my system was not published anywhere.

It was provided only to customers as they needed the information. 

And these two segments, the second and third together, have also sold for thousands of dollars by themselves, again, rightly so. 

The Fourth Segment

well, it just might be the most popular information of the 21st Century. You will learn the secrets of how to use your mortgage lender's own foreclosure process to delay and even prevent the foreclosure of your home. This works for your own home and for any real estate investment property. 

Some of the contents include:

• When and How to file a motion to dismiss and literally stop a foreclosure.  
• How to clear the title to your property when the foreclosure is dismissed.  
• When to answer the foreclosure complaint.  
• How to file an injunction to stop the sale of your property.  
• What questions to make them answer during the foreclosure process.  
• How to protect your property once the title is cleared by writing your own credit  terms. 

The Fifth Segment

is not really about debt. It's about continuing to use the same system you already put in place with the first four segments to dramatically improve your net worth. This fifth segment I like to call:

How to Add $987,000 to Your Net Worth in 7 Years 

And of course it's a proven system, why else would I be pitching this to you. But I like to look at it as an example. In fact, the strategies I will show you in this system are not really new; I'm just showing you examples of how I actually did it. I guess you can call it bragging.  

Some of the subjects include:

• Differences between employment, business and investing. Increasing cash flow via  sales. 
• Effectively using other people’s money and resources for mutual profit.  
• Five  ways to make large amounts of money in real estate. 
• Shopping for assets that will  dramatically build your net worth. 
• Intellectual Property and Licensing Currency  Trading, winning big by betting against the U.S. Dollar Gold and Silver. 
• Investing in  Debt. 

You will discover what rich people have used for hundreds of years. This segment also provides you with the most recently used and proven methods of how to create a business, increase sales revenue, and have more products to sell without reinventing the wheel. You will learn how real estate in any market will make you rich. And even though the market is flooded with books on this subject, I give you the punch line so you don't have to read them all. 

What's more is that I will introduce you to a one hundred year old method of borrowing money and never having to pay it back for the rest of your life, while increasing your net worth! You can say it is your family bank, and you won't believe how simple it is. 

The truth is that this is my own personal system I used to make $875,000 my first year (2001) and then gradually increase that to $2,500,000 annually during the next five years. That's right, annually! 

Sometimes I like to under achieve, and therefore, when I'm selling (like now) I like to under sell. So that way you'll come back next year and tell me it was way better than I promised. And you'll want to tell your friends about me, etc., you know how this works. 

Anyway, what you're getting is the only proven system to get out of debt in 90 days, with guaranteed success, when you follow and do all that I have laid out in my System to be done, in a quick and easy reference system that I call Que Cards. It includes five color coded segments, audio files, and pre-written forms with plenty of instruction,

• one segment for dealing with lawsuits,  
• one for protecting your cash, banking and real estate,  
• one for preventing and even stopping wage garnishments,  
• a fourth segment that gives you the keys to stopping a foreclosure without paying, negotiating  or bankruptcy,  
• and a fifth segment that will show you How to Add $987,000 to Your Net Worth in 7 Years! 

The first four segments together have literally sold for thousands of dollars, and rightly so. But with this new Que Card System, you can get all of this expertise, PLUS the proven strategies to stop your foreclosure AND the fifth segment, How to Add $987,000 to Your Net Worth in 7 Years for a ONE TIME COST of only  $2,995!    

But that's just the regular price.

We're not selling it for that price just yet! 

If you are thinking, wow, this is a lot of money to pay for this information; I mean I don't even really know if it's going to help me. I have one thing for you to consider, if you don't make a decision to pay for this now, you will pay far more later. This includes doing nothing, settlement, bankruptcy, consolidation, or counseling, any other form of payment.

Using any other plan but Zero Debt in 90 Days®   will cost you at least ten times more than buying this system now. I also guarantee this. 

And because this is the first time all of this information is being published together, we are giving you special introductory pricing. 

You get all of this for  a ONE TIME COST ofonly  $2,495! (That's a lifetime of FREEDOM from debt liability, a savings of $500 off our regular price, UNLIMITED SUPPORT and you will never have to pay us another dime! PLUS we GUARANTEE our system works!)  Need a payment option? Go to our order page to find out how.

Like I said, eventually you will pay, either pay very little now for this plan, or pay very much later for having no plan or a costly plan. 

And I used to have a long list of merchant accounts to allow me to process credit card orders from my customers. But that was until the banking system realized that I was actually helping people, and that the last credit card charge on their customer's account was for my system, to become my customer! Ha! Well, they closed my merchant accounts, put my "name on a list" and banned me from ever getting another merchant account. As you can see, I consider this a badge of honor. 

So here's the deal, you get the entire Zero Debt in 90 Days® Expert Que Cards System described here for this low introductory price of $2,495 PLUS we'll include unlimited support to answer any questions you have, including generating any documents you need and review any documents you need us to, and nearly everyone of our clients will tell you that this part of the service alone is WORTH EVERY BIT of the cost of the system because you are not alone in this, you have the confidence of my competent staff backing you and helping you every step of the way! LET US REMOVE THE WORRY FOR YOU!

So What do I do Now?  

So glad you asked !

FIRST STEP !

  PLEASE Take advantage

of my FREE GIFT to you !

BE SURE TO GET YOUR

FREE COPY !

of my Ebooks and MP3 Recordings; information that I could easily charge lots of money for but have decided instead to just give it to you for FREE to say thank you and to help you! 

I wrote these to help you, even if you never ask me for any help or subscribe to any of my services. This FREE material will help your situation and I'm not asking for anything in return.

Well, not exactly, I at least want your name, email address and telephone number. I promise none of my people will call you endlessly or sell your information to more sales people. I promise this, and I've been in this business since 1993. I could not have survived this long if I didn't keep my promises.

Just fill in the form below to get your

FREE EBOOKS AND MORE ! 

Upon confirmation of a valid email address you will receive My Free Ebook "7 Secrets to Debt Freedom".

Once we have a valid Phone number from you and you talk with one of our consultants you will then receive your free copy of "How I Made $65,000.00 in Credit Card Debt Disappear in 90 Days !" as well as the MP3 recording of "What would your attorney say ?" and Free access to "the previously recorded invitation only Conference Call" where I talk about and present my system and then open the phones up to answer any of the callers questions they might have.

Remember this is a NO PRESSURE situation. We just know after years of doing this that it is best that you talk with a consultant first to make sure all of your questions are answered since this is most likely new information to you and a new way of looking at your situation.

We Want to Help You!

THANK YOU !  

 SECOND STEP !

CLICK HERE

to go to our order page to get more detail on the system Zero Debt in 90 Days®  and what you will get when you order.

You will also get directions on how to place  your order so that you can begin the rest of your life free from debt and protected from the predators and their system created to take as much as they can from you!

OR YOU CAN

CALL NOW!

1-800-477-9256

to speak to a live representative who can also assist you in placing your order!

Start fresh today!