Debt Negotiation > Overview
We at Joshua Spirn & Associates have a powerful
and no-nonsense method to eliminate your problem
debts in the fastest possible time, all within
your existing budget for monthly payments.
Are you one of millions of Americans
struggling with credit card bills and other
problem debts? Believe us, you’re not alone.
Household debt (not counting mortgages or auto
loans) of $20,000, $50,000 or even $100,000 is
very common these days.
We’re about to reveal to you a method to
honorably and ethically eliminate your problem
debts, which is one of the best-kept secrets of
the banking industry.
This is information that the insiders—the bank
presidents and credit managers—don’t want you to
have. But you have the right to understand ALL of
your options before deciding which strategy will
work for you. What we’re about to show you is
powerful stuff. By the time you’re done reading
this report, you’ll know more about debt
management strategies than 99 out of 100 people
trying to cope with the same problem. So, let’s
jump right in!
A FEW WORDS ABOUT BANKS…
First, we need to help you with an “attitude
adjustment.” Many consumers think that by having a
pleasant conversation with a bill collector on the
telephone, and disclosing the nature of their
financial problem, that the bank will somehow be
sympathetic to their situation. WRONG! If you’re
having trouble making payments on your debts, it’s
important that you understand one thing:
THE BANK IS NOT ON YOUR SIDE!
They want their money, and that’s all there is
to it. The bank that holds your account doesn’t
care how the debt got there. They only want your
minimum monthly payment, period.
It doesn’t matter that you (or your spouse)
lost your job and couldn’t find another one for
It doesn’t matter that you were sick or
seriously injured and had medical bills that put
the whammy on your finances.
It doesn’t matter that you’re drowning in
debt as the result of a difficult divorce or
As far as the bank is concerned, you signed an
agreement, and unless you pay your bills on time,
they intend to make your life very unpleasant.
Once you start to fall behind, they lower the
boom, and the dreaded collection process begins.
It starts with polite phone calls and letters
(“Did you forget to send us your payment?”) and
rapidly escalates to daily harassment, nasty
letters, and abusive tactics.
Collection activity is designed to pressure
you to find money someplace and send it in NOW.
Once you fall behind, the bank becomes your
adversary—not your friend.
Here’s one small sample of ruthless credit
tactics: Get out a copy of your credit card
agreement with a bank—any bank, since they all do
this—and look carefully at the fine print. You’ll
find, if you look hard enough with a magnifying
glass, that there is a nasty clause that informs
you of the following: “Interest rates will be
substantially increased in the event that debtor
defaults on monthly payment agreement.”
That’s right. The banks kick you while you’re
down! Just when you most need them to LOWER the
interest rate, so you can dig yourself out of
trouble faster, they start charging a HIGHER
interest rate. In our opinion, this should be
illegal, but unfortunately it’s not. We’ve seen
rates jump from an already ridiculous 20% up to
27% when a debt goes delinquent. In the good old
days, people went to jail for charging that kind
of interest. But today, they just become bank
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debt strategies to eliminate your debt today >