Last updated: 7/2009

of your debts, late fees over-limit charges
and start living a debt-free life!
Hi, my name is Bob Stovall.
I've been debt-free and I've been heavily in debt. And believe me, debt-free is a whole lot better.
If you're sitting there reading this with one of those knots in your stomach that just won't go away, this might be the most important letter you'll ever read.
Tired of bill collectors calling?
You know you owe them the money - and you know they're just trying to get paid, but they always seem to pick the most inconvenient or embarrassing time to call.
But even if you fully realize that they are just doing their job, having bill collectors calling you is a real pain.
How would you like to wake up one morning really soon and not have to worry about those debt collectors calling?
How would you like to do what you want, when you want and not have to sweat about where the money will come from when the credit card bill comes in?
And how would you like to accomplish this without sacrificing your lifestyle and eating peanut butter and jelly three times a day?
Does that sound good?
If it does, read on.
Join our mailing list
for new and
updated information!

subscribe
unsubscribe

You see, freedom from debt requires a plan.
There was a definite plan to get you into debt.
That was the plan of the banks, credit card companies and auto loan guys.
Their plan was to get you started on the road to permanent servitude,
and once they got you on that road, to NEVER let you get off.
The banks road is full of potholes that trap you into a life of never-ending debt. The tools that they use are high interest rates that just keep going up, universal default, late fees, over-limit fees and all of the other charges and fees that just keep adding to your misery.
Did you know that the banks and credit card companies have teams of people whose sole job is to think of new ways to nickel and dime you to death?
Don't believe me?
Here are a couple of gold-plated (for the banks) examples of how the trap gets set:
Do you remember just a few years ago, when you went to buy something on a credit card and you hit the credit limit on the card. What happened? The transaction was declined, right?
Not any more!!! Now the sale goes through and the next month you have an over-limit charge on your statement. It's usually around 40 bucks. Figure that stuff into your 18% credit card and you are more likely paying 25%-30%.
And if you've been late on a payment or two on one card, are you surprised to find out that your interest rate has gone up on ALL your credit cards? It's called "Universal Default" and it is the brainchild of those nickel and dime fee trolls the banks have locked in their basements.
Add the fees to your new 30-39% interest rate and they're collecting for you at well over 40% per year.
And you thought the mob was bad!
OK, so the banks and credit card companies have a plan to lock you into debt for the rest of your life. The only way out is to drop dead - and even then they'll come after your estate for the money.
If you thought the tax man was tough, just wait until you mix it up with these guys. And if you HAVE mixed it up with them, you know exactly what I am talking about.
How do you combat that? How do you win the fight for your financial freedom and throw off the yoke of debt? How do you escape the bondage that the greedy bankers have in store for you and live a prosperous and debt free life?
Sorry, but YOU CAN'T!!!
Unless you have a better plan than they do.
And THAT is what I want to talk to you about today.
If having a better plan than the banks is the only way to gain financial freedom - and it is the only way - just how do you go about creating that plan and putting it into action?
Well, let me tell you a secret, that if you take the time to understand, will set you free starting immediately.
Ready? Here it is.
The banks plan is very complex. It is designed that way to keep you off balance and never let you comprehend what they are doing. Whenever the banks know that we are on to them, they simply change the game.
Recently, the heads of several of the biggest credit card lenders in America appeared before a committee of Congress that was investigating their unfair business practices, a.k.a. predatory lending practices.
The heads of these banks listened as the worst of their practices was aired in front of the committee and then said "We used to do that, but we don't anymore" as if that relieved them of any responsibility for their actions.
They surrendered to Congress on several of the most heinous of their practices and promised to stop using them. But, remember the nickel and dime experts in the banks basements? You can bet that they are working tirelessly to come up with new ways to separate you from more of your money. And keep you in debt to them forever.
That is why the banks plan is complex.
On the other hand, the plan to escape their greedy clutches is simple. And that is the secret. Our plan to escape financial servitude to the banks doesn't need to be complicated - we're not trying to hide anything!
Listen, I'm not real big on long flowery descriptions
that leave you more confused than when you started.
So, I'm going to describe what the plan that I call 12 Steps to Debt-Free Living can do for you. And if you like what you see, I will make you a special offer on your ticket to freedom at the bottom of this letter.
I created 12 Steps to Debt-Free Living to accomplish the following:
To help you get a solid idea of what your financial condition is at this moment. Like, what is an asset and what is a liability? You need to know and the banks won't tell you the straight story.

To determine how much of your income can be used to free you from financial bondage - and what to do if there is no available income to use.

How to apply your Debt Elimination Budget (DEB) in the most effective way.

Why some debts are "killers" that will lead you down the path of ruin if you don't handle them first.

Leveraging your DEB to gain freedom quickly. Why take 10 years to do what you can do in 5?

What is consumer debt and why is it so bad?

How to handle secured debt, such as car payments. Is leasing a good idea for depreciating liabilities?

How would you like to live mortgage free/ Paying off your home.

Using cash to make future purchases. The various kinds of "cash" in our modern world.

Investing for the future. Never be in debt again.

The "nurture the children" method of investing.

Living a debt-free life
This is a simple plan to solve a simple problem. The banks want you to think it is NOT a simple problem so you'll never get started and you'll probably quit at the first obstacle.
But debt is a simple problem. And debt elimination is a simple solution. It's not EASY - but the plan is simple.
And we have kept 12 Steps to Debt-Free Living as simple as possible without compromising it's ability to change your life. That's right, 12 Steps to Debt-Free Living can change your life if you give it the chance.
And what is the alternative? Endless debt, anxiety, and financial servitude?
OK, the moment of truth has arrived.
What are you going to do? Are you going to blow 40 bucks at Applebee's and cry into your flat iron steak about how bad your life is? Or are you going to do something about it? And take that 40 bucks and make a down payment on your freedom instead of on a dinner you can make better at home anyway.
It's your choice, your life, your freedom - or your indentured servitude. The key word is CHOICE. Make the right choice right now.
Just remember, if you make the wrong choice, it will just keep getting worse. And not just for you. Your family's along for the ride. Don't you owe it to them to take control and set them free as well?

The 12 Steps to Debt-Free Living
ebook is available now for a very special price:
$67 $39
Get instant access for just $39

Click Here to Buy Using Our Secure Servers
Is there a guarantee?
Absolutely! Don't decide now if 12 Steps to Debt-Free Living is right for you. Take A FULL 8 weeks to put it to the test! If you aren't completely satisfied with the 12 Steps to Debt-Free Living program at any time within 8 weeks, I'll give your money back ... no questions asked!
In order to make this program available to the largest number of people who need it, we have held the price at $39.00. We will try to hold the price at $39, but I can't guarantee the price beyond today.
To make your journey through the 12 Steps to Debt-Free Living program a little easier, we have arranged for you to receive the following bonuses if you order now.
BONUSES
BONUS #1 ¨C Free calculating form that will let you see your finances in a new light immediately and let you track your progress to Financial Freedom. Value $47.00
BONUS #2 ¨C Free personal financial statement prepared by S.C.O.R.E. that will keep you on track and let you know how you are doing in your journey to a Debt-Free Life. Value $97.00
BONUS #3 ¨C Free software to use the forms. This software can also be used to write letters, balance your checkbook, keep track of personal items such as DVDs and CDs and much more. Reads and writes .doc, .xls and .ppt files. Value $399.00
UPDATE - Bonuses #1 and #2 are now INCLUDED in the product download. No more waiting to download them from the website. They are yours as soon as you receive your product.
Get your copy of 12 Steps to Debt-Free Living today and you can be free tomorrow.
Best wishes on your journey,

Bob Stovall