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Dear Friend,
Since 1995 I have been assisting individuals and small business owners resolve their financial problems by negotiating settlements for less than full balance as an alternative to bankruptcy. During this time, my clients have obtained millions of dollars of debt relief with my help.
Now, for the first time ever, I’m revealing the specific techniques and strategies that I’ve used over the years via an online video-based course titled, “Zero Balance: How To Settle Debt For Less Than Full Balance”.
During the past several months, there were 2 specific things that spurred me on to create this course ...
1. Traffic To Our Site
During the past year, traffic to our website has exploded, and we have not invested one penny in advertising. Zero, zip, nada. Below is a screen shot of the actual numbers.
As far as I can tell, these numbers are suggesting one or both of the following:
- A lot of people are really hurting financially right now and they’re buried deep in debt, desperately looking for solutions. Based upon what’s going on in the world right now, as well as the condition of our own economy, I’d say these numbers accurately reflect that.
- People feel that the information we have to offer is valuable. In fact, below is some actual (unsolicited) feedback from a visitor at our site just last night:
“Thanks for your website & info which appears to be straight talk. Couldn’t believe all the sites on a Google search on this subject and yours seemed to just rise to the top, in my mind.”
We receive feedback like this all the time, and these kind words are certainly appreciated.
However, there are just not enough hours in the day anymore to respond to or assist the large number of people contacting us. Therefore, by necessity, we basically had to create a do-it-yourself type course.
2. People Were Asking For This Information
While reviewing the traffic logs of our website over the past few months, I noticed a spike in the following types of phrases that people were typing into search engines like Google, Yahoo and MSN. Here are some of the most common:
“How To Settle Credit Card Debt”
“How To Negotiate Credit Card Debt”
“How To Negotiate With Credit Card Companies”
(etc)
(etc)
In addition, we’ve had numerous people contact our office directly in recent months saying,
“My funds are very limited, and I’m not opposed to doing this myself to save a few dollars ... but I don’t have a clue on what to do or where to begin. Can you help me?”
Up until recently, the answer would have been, “No”. Now the answer to that question is, “Yes!”
I Usually Hit My Target Of 50% Or Less
Every time I work with a client, my goal is always to reach settlements for $0.50 on the dollar or less. Do I hit that target every single time? Usually, but not every single time. The system I use allows me to hit my target (of $0.50 or less) about 80% of the time.
So 4 out of 5 times we’re hitting our target, or better. I’ll take those numbers any day.
But what about the 1 out of 5 that does not settle for $0.50 or less? Well, that could mean that we ran into an uncooperative creditor or collection agency that wouldn’t settle for less than say, $0.60, $0.70 or $0.80 on the dollar. Or in rare circumstances, a creditor might not agree to settle at all, and you might just have to work out a lenient monthly repayment schedule. Remember, settlement is always voluntary.
The good news is that if you know what you’re doing, the vast majority of creditors and collection agencies will accept less than full balance ... often substantially less than full balance.
Here are some recent results:
- $31,279 settled for $7,500
- $7,195 settled for $2,160
- $5,852 settled for $2,930
- $9,146 settled for $1,829
- $12,342 settled for $4,500
- $26,685 settled for $8,006
- $1,680 settled for $840
If you decide to purchase this course you will see the actual settlement letters to support these numbers, along with over 200 other settlement letters for you to review.
No Hype, Just Results
If you’ve read my blog or any articles or videos that I’ve published, you know that I’m a no-B.S. down-to-earth guy that delivers high-quality content. In addition, if you’ve looked at some of the many testimonials on our website from satisfied clients, not to mention our spotless record with the BBB, you’ll know that we do a very good job of taking care of our clients and delivering tremendous value.
This Zero Balance course took approximately 5 months to create. I didn’t just whip some stuff together over the course of a couple weekends. That’s not my style. This course is very well thought-out and very well-organized.
If you are serious about resolving your financial situation and you are looking for a detailed and proven system to help you negotiate settlements with your creditors for less than full balance, then you are the person I have designed this course for.
Here’s what the course consists of:
1) Online Video Training
This is the core of “Zero Balance”. There are 7 different sections (i.e. modules) with 11 videos totaling approximately 7 hours of instruction. Everything is online, nothing to download. Therefore, you could actually be watching your first video within minutes after purchasing this course.
The videos are available 24/7 and you can watch them as many times as necessary until you are confident that you know the material.
Here’s a brief synopsis of the 7 sections as follows:
- Section 1: Where To Begin
We’re going to start off by trying to create some order out of what is usually a chaotic situation, and we’re simply going to take things one step at a time and do things the right way. I’m going to cover the 8 rookie mistakes you’ll want to avoid, then I’ll discuss your starting checklist in detail.
- Section 2: Understanding The Environment
Now we’re going to examine why creditors settle, as well as when to settle. (Hint: Timing is everything.) We’ll also take a close look at the various roadblocks that creditors and collection agencies are going to put up in an attempt to get in your way. Lastly, we’ll go over the various things that creditors can and cannot do to you if you are unable to pay.
Section 1 & 2 are designed to teach you the necessary mindset you need to have when you embark upon this process. Without the proper mindset, your chances of success are greatly diminished.
- Section 3: Dealing With Debt Collectors
Yes, you are going to receive calls and letters from debt collectors. The good news is I will provide you with specific tactics and strategies for effectively dealing with this. In fact, what many people don’t understand is that sometimes the communication you receive from a debt collector can be a good thing. Strange, but true. I’ll explain why.
- Section 4: How To Negotiate A Settlement
This section is where the rubber meets the road. There are 5 videos devoted to just this one section. That’s how detailed I get as I’m teaching you how to negotiate a settlement. This section is further broken down into 4 sub-sections:
a) Settling With The Credit Card Company Directly
b) Settling With A Collection Agency
c) Settling With A Debt Purchaser
d) Settling With A Local Attorney
As you have probably now concluded, negotiating is not a “one-size-fits-all” process. There are specific strategies to use in different situations. I will cover this all in great detail.
- Section 5: Closing The Deal
One of the most common questions I get is, “How do I know that the settlement is final, and they won’t come after me for the remaining balance at later date?” This is a perfectly valid question and something you should pay close attention to. I will give you the exact step-by-step strategy that I have used with my clients for over a decade and it has never failed once.
- Section 6: Now What?
After your debt is settled is there anything else that you can or should do? Actually, there is. I’ll go over that in detail in this video.
- Section 7: Q & A
The question and answer section contains important information that you need to know, but just didn’t quite “fit” in any of the previous 6 sections. For instance, I’ll cover any potential tax ramifications you might encounter as a result of settlement, and how to handle them. Also, I’ll explain the difference between a charge-off and a write-off. I’ll also cover how to handle a situation if your debts are 2-3 years old and you don’t have any paperwork, but the debts are showing up on your credit report and need to be resolved. Numerous other relevant topics will be covered as well. Again, this Q & A section addresses miscellaneous items that you need to be aware of to have a thorough understanding of the debt settlement process.
2) Weekly Q & A Sessions
Between now and the end of June 2008, I will be answering questions on a weekly basis and posting an audio recording of the Q & A session in the Private Members Area each week. After you purchase this course, you will be provided with a private “members only” email address, and your question(s) will come directly to me. Just like they always told you in school, “There’s no such thing as a stupid question”. Well, that applies here, too. Chances are if you have a question about a particular topic, there are 10 other people that have that same question as well. That’s the beauty of working with a group of people.
3) Printed Video Transcripts
Personally I’m a big fan of video training, because a picture is worth a thousand words. But sometimes video can be a pain if you just need to refer back to one quick thing and don’t have the time to open up the video and fast forward to the part that you wanted to review. So for that reason you’ll receive transcripts of all the videos for quick, easy access to all the course material.
4) Access To Over 200 Actual Settlement Letters
If you’re ever doubting your abilities that you can actually obtain settlements for less than full balance, spend a few minutes perusing these letters and that should give you a nice jolt of confidence. Although this is only a fraction of all the settlement letters we’ve ever obtained, we’ve selected a representative cross-sample of settlement letters so you can view just about every example and format possible. This way, when you receive your settlement letter, you can refer back to this database of letters to make sure your letter is written correctly.
5) Unlimited Access To A Private Members Area
The private Members Area will give you quick access to all the course material. You’ll find:
a) Links to all online videos.
b) All video transcripts in PDF format available for download.
c) Audio recordings of all videos in mp3 format available for download.
d) You can even download the videos to your local computer in Quicktime format if you wish, but it’s not necessary since all videos have been designed to play in your web browser. Just know that video files are very large and will take a while to download. But you are definitely welcomed to them.
In addition, one of the great things about this course is that it’s always evolving. I’m continually adding new content, strategies and case studies and you’ll have immediate access to this new information in the Members Area at no additional charge.
“How Much Is This Training Going To Cost Me?”
You will need to invest $868. This covers my time in putting this course together for you, not to mention future material that I’ll be creating for you and posting in the private Members Area. It also ensures that only serious people purchase this course.
Refund Policy
Unfortunately, there are some people that will purchase a course like this, download all of the valuable information, then request a refund. This is not fair to the honest people that made an important investment in this course. Therefore, if you are not sure whether this course is right for you, please do not purchase this course, as we do not issue refunds.
Fast Mover Bonus
“Zero Balance” is brand new, hot-off-the-press here in April 2008. As a way of saying thank you to the first people that decide to purchase this course, I’m including one full hour of personal one-on-one coaching with yours truly, Mark Brinker. This is a $400 value.
Your free 60 minutes of consulting time with me will consist of three 20-minute sessions, and we can discuss whatever you want during those times. However, all consulting time must be used within 6 months of purchase of this course.
This Fast Mover Bonus is a limited-time offer that expires at midnight April 30, 2008.
One Final Note
The concepts and strategies in the Zero Balance course are the field-tested results of our coaching efforts with a select group of clients over the past 2 years. I am happy to report that that every single person that has used and applied this information has obtained a settlement on their respective accounts(s) that met or exceeded their expectations.
If you’re interested, you may purchase this course through the link below.
Yes, I Want This Course
Take care.
Mark Brinker
P.S. Just so you know, there is nothing “magical” about Zero Balance, even though it may seem like it. Yes, it’s true that the information contained in Zero Balance has helped me settle millions of dollars of debt for my clients over the years.
And while this might seem amazing, the key is in knowing the proper strategy and the proper application of certain techniques. Once you learn and apply the methods I teach in Zero Balance, the odds are really stacked in your favor. You can do this.
Disclaimer: Do not buy this course if you think it will automatically solve your financial problems just because you bought it. You will have to put forth effort and work to achieve your desired results.
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