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Your debt is destroying your future. Learn 3 simple steps you can take to reclaim your future and take control of your debt,

Dear Friend,

Ask yourself if you’re getting ahead of your debt or if your debt is getting ahead of you?

It can be very frustrating when you’re trying to get ahead of your debt. It feels like you’re paying and paying and aren’t gaining any ground. Or making so little headway you feel like you may need the rest of your life to get out of debt. And HOW do you get ahead and put together enough for your retirement when it’s a constant battle just to keep your head above water?

Do you feel like you’re carrying a weight around, tugging at you day in and day out? Debt has a way of creeping up on you until it’s too late to get out from under it on your own. Financial stress (usually due to too much debt) can affect your life in many ways, directly and indirectly. It can lead to depression, anxiety, poor performance at work, and it can suck the life out of your home and family time. One of the worst things that can happen to you is to be locked into a job or career you don't want to be in but can't escape because you can't afford to make a change financially.

Moreover, the effects of financial stress can affect your relationships with your spouse, your family, and your friends. It is one of the leading causes of divorce. Debt can take away your choices because you can't afford what you want or even need. Like fixing your car now before it gets even worse. Or deciding on what kind of vacation you'll have this year, if you can even take one. Do you buy groceries for the week or just for the next couple of days until you get paid. It goes on and on. Debt runs your life until you take back control. But you can take back control and reclaim the future that has been slowly slipping through your fingers.

Debt isn't on your side.

Sample based on how debts are paid today.

We all know that. But did you realize that up to 25% of every dollar you earn can go towards interest? That really hurts. And unless you have ever had an analysis of your debts run, you would surprised at how much in total you will pay back and how long it will take. It's normal for everyone to focus on their monthly income and their monthly payments on their debts. It's easier to get a handle on how much is coming in and going out monthly. Credit card debts, auto loans, and a mortgage (if you have one) can eat up most of your income every month leaving you with what looks like less and less for you to live on. You may also have student loans, personal loans, tuition, or other debt.  You have a lot to pay for every month before you even get to groceries, gas, utilities, and all of your other costs.

Now, did you have enough left over for those retirement contributions? By the way, how much did you add to your savings account last month? For many, if not most people, the answer is $0. If an emergency comes up, you may have to use the credit cards again if you don't have emergency savings. How long is it going to take to get ahead when you're paying out almost 25% of your income in interest and not investing in yourself?

Who set the rules?

Here is a point that I want you to really think about. You are paying your debts back to your creditors based on the schedule they gave you. If they make their living on the interest they charge you, do you really think they are going to give you a schedule that is designed to help save you the most money and have them earn far less money than they will today? Not a chance! Look at a typical 30 year mortgage. 15 years into it you could still owe 75% of your initial loan balance. And you will typically pay back at least twice as much as you borrowed. Who's favor is that in?

Credit cards are much worse. They will offer to let you pay a low minimum payment or even occasionally give you a month off or an extra low minimum payment next month. Is this out of the goodness of their hearts or do you think it may add to your already rising credit card debt so you don’t get ahead of it? They make their living off of you and in the case of credit cards they also earn a lot more off of late payment charges and fees. You could be late on another debt and in many instances your credit card company was allowed to (and did) raise your interest rate. So why aren't you in a plan that wipes out wasted interest payments and puts that money back into your future and not theirs? A plan that is proven and already works for thousands of others.

How did you get here? Do you have a plan in place to pay off your debt and get your retirement on track while saving the most money possible?

It’s easy to over use credit and in many cases your creditors were busy working to heap more and more credit on to you so you would spend more and they could make more money off of you over a longer period of time. They inundated you with offers in the mail and may have increased your limits too. They know most people think they can spend it now and will just catch up on the payments later, but don’t. And they know that one of the main reasons why you may have so much trouble trying to get out of debt is that you don't have a realistic, concrete plan in place along with the means to follow it month in and month out over the number of years it will take to complete. They are counting on that.

Financial discipline combined with a good, solid plan is the key to overcoming your debt. But most people don't have the time or the discipline to work out their plan and then follow it for any significant length of time. Everyone means well, but eventually life is too hectic and busy for them to devote the time to learn how to do it well, or continue to follow the plan month in and month out for the several years they will need to overcome the debt.

It's time you changed the rules back to your favor.

Sample "After" on Financial Compass

The solution you need today is a debt elimination and management plan that pays off your debt much earlier and eliminates several years of unneeded payments compared to the way you pay your debts today. A plan that does the work for you 24/7 that you can monitor and make changes to anytime you want, but don’t have to do the work on yourself. You want a plan that can pay your debts off as agreed while saving you the most time and money. You want a plan that can help protect and may even improve your credit faster by ensuring your payments are made on time and according to the strategy in the plan, accelerating the payoff of your debts. You want a plan that doesn't require you to refinance, get a loan or line of credit, or give up control of your finances and your income. Moreover, a plan that works with your current or future investment strategies. One that creates new opportunities for you to increase and enhance your retirement income.

Your Financial Compass Plan is ready to make that happen for you. Your goal is get out of debt the right way, saving you the most time and money, without hurting your credit. You need a plan that works for you and doesn’t depend on your actively doing the work yourself. Later, you can use the money saved that would have been going to your debts (based on what you’re doing today) to significantly increase your retirement income by contributing more money to your retirement, and not your creditors. It's your money, it should be your choice. But it's not a choice you have today when your creditors are draining your future away every day that you remain in debt. Fortunately, your Financial Compass Plan can give you your choices back, and help you reclaim the future that you want and deserve.

What does your future hold?

Financial Compass Analysis Time Chart

Take a look at the chart on the right from our Financial Compass analysis. This is a sample comparison of how long it could take to pay your debts off based on what you are doing today (Red) versus how long it could take with your Financial Compass Plan (Blue). Then it shows how quickly you could be accumulating money for savings or retirement in (Green) after the debt payoff has completed (Blue). In your Financial Compass Plan you are often years into your savings by the time you would have paid off your debt in your current plan (Red) assuming that you have a real plan in place.

Debt is stealing your future like a thief in the night. Have you given any thought to how the money you have to pay out in debt every month is robbing you of your future retirement income? Let's say that you pay out $3000 every month in debt, which includes your mortgage, car payment, credit cards etc. If you were to put that $3000 into an investment account today, you could often double that $3000 in ten years depending on interest rates. So for every month that you wait to get out of debt you are throwing away thousands of dollars in potential retirement income and giving it to your creditors in the form of interest. You have to ask yourself if you are getting ahead or falling behind? Who’s future are you building?

A Solution that already works for others.

Your Financial Compass solves the problems related to beating and eliminating your debt. This is not some “get rich

quick scheme”. And it is not a program where you have to qualify for a home equity line of credit and manually type in all of your bank transactions and do a lot of work each month updating all of your purchases in some software. We don’t perform debt settlement or contact creditors. We allow you to eliminate your debt wisely and safely while meeting all of your obligations.

Your creditors aren’t thinking about your future, they’re thinking about their future and how they can suck more money out of you with easy credit, minimum payments, and extra charges and fees. We’re thinking about your future. That’s what we do. Our purpose, our passion, is to get you on track to save serious amounts of money and time, and to allow you to contribute to the retirement you want and deserve. This program is life changing.

This is a successful program using straight forward financial concepts that have been proven over and over again. We tie that in with our customized, proven, comprehensive debt analysis software that has been continuously updated and enhanced for over a decade. Your Financial Compass Plan also includes an advanced payment administration service that does the work for you with real people right here in America that you can call for assistance with your online account or with questions. We use our advanced debt payment system to accelerate the payment of your debt according to the personalized analysis our system creates for you. And then we do even more to ensure you can realize your savings goals in the program. This gives you an automated debt elimination program you can count on that will be working for you regardless of what you are spending your precious time on.

We believe so strongly in our program that we create your personalized automated debt elimination analysis for you at no cost to you, with no obligation to you. Your personalized analysis will show you when you could be completely out of debt and how much you could save.

Why we do the work for you.

You see, we’ve found over the years that is wasn’t enough to provide the plan to someone so they could work their plan themselves and save the time and money our system can achieve. The truth is, you have to stay on top of your debt management plan month in and month out, year in and year out when you do it yourself. We offered our plan as a do it yourself plan and found that less than 10% had the time and the discipline to follow the plan through to the end. The vast majority didn’t make it through the first year doing it on their own. Life “happens” and people just get too busy. So we created an advanced payment system and put a customer service group in place so that we could do the work for you to guarantee your success in the plan. Yes, we do the work for you to get you your savings and eliminate the debt often in 1/3 to 1/2 the time it will take you compared to the way you are paying your debts today. Our automatic debt elimination program also uses dozens of algorithms that have been updated over the years as the economy, credit card rules, and laws have changed.

While we do the work for you, you stay in control. You can monitor and manage your Financial Compass Plan with

your Online Dashboard. You just go online and log in to your account. Need to make a change? No problem. Want to run a "what if" scenario to see how a new or changed debt will affect your savings or debt free date? Just log in and add the new information. Wondering what has been paid this month? Take a look. You also receive monthly statements from us showing what has been paid and you will see your payments going out on your bank statement and payments received on your monthly credit card and other creditor's statements. Of course, you are always welcome to call customer service (right here in the good old USA) and get the help you need.

We can often help you get into your plan without raising your monthly pay out or by staying very close to it. In some cases, we may be able to do this and put cash back into your wallet each month. Everyone's situation is income and debt loads are different so your analysis is personalized and customized based on your numbers. Your free analysis will show you how much you could save and how soon you could be completely debt free. And we'll show you what your retirement income could look like if you were to put the money going towards your debt into your retirement account after the debts have been paid off. And like we said, we provide your personalized analysis to you at no cost or obligation to you.

Too good to be true?

No, not really. The results are fantastic. But they don’t come overnight. You need to make a commitment to yourself if you really want to break the chains of debt. And the process takes time. You created your debt over time, often years, and it’s going to take time to accelerate it and pay it off in a way that saves you the most money and time while meeting your obligations. You also want to protect and improve your credit while you do it. You aren’t going to rid yourself of debt over night. You aren't going to do it without a real plan that is guaranteed to work for you either.

Looking at the example on the right, you can compare the total amount of interest you will pay out on all of your debt. You can see the difference not only in the amount of interest you'll save with the Financial Compass, but also the difference in your overall average and effective interest rates. Then we show you how much money you could add to your retirement if the money you will be paying into your creditors future were to go towards your future instead. This is based on the money you have going towards your debt today being funneled into a savings account after you have paid all of your debts off in your Financial Compass (in this case 12.5 years) from that point through the end of a 30 year period (30 – 12.5 = 17.5 years). Notice that at the 30 year point the client can either be enjoying a boost in their retirement income of over $1.8 million or if they kept doing things the way they were they would still have 5+ years of debt left to pay off. What could your numbers look like? Get your free analysis and find out.

Most homeowners that have 30-40 years of debt ahead of them will eliminate their debt in 5-12 years. If you don’t have a mortgage most clients pay off what would be around 15 years of debt in around 2-5 years based on our experience. Everyone’s numbers are different as you have different levels of income and debt loads compared to everyone else. That’s why we run a personalized analysis for you. Everyone starts off in a different place but everyone is looking at the same goal of paying off and eliminating their debt. We can help you get there.

Remember the 3 steps we mentioned in the beginning?

• Step 1 is to get your free personalized analysis so you can see how much money you could save and when you could be completely debt free. There is no cost and no obligation. This is also something you need to do to see how much you are going to pay out based on the way you’re paying your debts today in the schedule your creditors have given you.
• Step 2 is to make a decision based on having information you don’t have now. Your personalized analysis will show you how much principal and interest you are going to pay out based on where you are today and how much you could save. It will also compare your overall interest rates. And you can get a good idea of how much more you could accumulate for retirement by going through our program.
• Step 3 is where you make a decision and you either take action to make a lasting change in your life, or you choose to accept the road you’re on. At the end of the day you are the one who needs to make a choice. It’s a lot easier to make an informed decision when you have the right information at your fingertips. And you will now have choices that include a plan to follow and a system that does the work for you to help you make the best decision for your future.

What could your Financial Compass Plan do for you?

In your program, you are able to save thousands in interest and cut years off of your payments that you could put towards your retirement, other investments, or wherever you want to place your money. The payment administrator handles the actual payments freeing you from having to send everything out at the right time and from having to figure out how much to apply to the right debt to get ahead. Our comprehensive debt analysis program runs over 25 different algorithms to calculate how to save you the most money and the most time. The payment administrator can re-run your analysis at any time if you have changes to your debts or income levels.

Even though our payment administrator handles the actual payments, you are still in complete control of your money and can make changes to your program with a simple phone call or by going to your account at the online dashboard.

Your benefits courtesy of the Financial Compass Plan,

• You eliminate your debt in 1/3 to 1/2 the time it will take you in your current plan. Imagine how much stress you’re going to relieve yourself of when you have a plan in place and you know your finances are getting under control and that you don't have to do the work yourself.
• You could save tens of thousands of dollars or more likely hundreds of thousands (if you have a mortgage). The more debt you have, the more you save with our program.
• You eliminate years of wasted payments towards Interest. That’s years of payments going back into your pocket or your retirement account.
• You could end up paying an effective Interest Rate on your total debt of less than 5% or much lower! You're going to be on the fast track to having no more mortgage and no more debt.
• You are able to include all of your debt in our unique program. Secured and Unsecured. We don’t consolidate or re-negotiate debt. We Eliminate it and pay it as agreed meeting your obligations and helping to protect your credit.
• Your payments are made automatically and on time, according to your personalized analysis designed to achieve your plan’s goals. This also keeps you from having late fees, and it helps protect your credit. As a natural result of paying on time and the accelerated pay down of your debts, many of our clients see their credit improve faster as they go through the plan.
• Since your debt payments are optimized and made automatically for you, you get to oversee and manage your money, rather than try to do all of the work our system does for you. You save time, enjoy increased financial security, and reduced stress.
• Our program and payment administrator provide the support and discipline needed to ensure your success. You’re not on your own like you would be with an expensive self-help program (which usually have a high failure rate). We’re just a phone call away and our goal is to see you succeed.
• You are able to put your hard earned money where it belongs, towards your retirement, your children’s education, better vacations, or updating your home, much earlier than you would have been on your present path.
• You get a monthly statement and can view your progress or make changes online at any time. Want to add in an additional debt that was unexpected? No problem, just give us a call or add it in online in your personal Online Dashboard.

You could keep doing what you’re doing now, and pay far, far too much and for far, far too long. Or you could see what your debt elimination plan would look like with no cost or obligation to you. Let us show you how easy it is to find out how different your future could be.

To get your personalized analysis just fill in your name and email address in the small form at the top right of the page and you will receive an email to verify that you requested the analysis. We do this to ensure that no one else is using your email address and to ensure that you get your analysis at the correct email address. If you don't click on the link in the email you receive from us you will not receive the information needed to get your no cost, no obligation analysis. We don't give away or sell your email address to anyone. Period. Your privacy is guarded by us.

We'll ask you to provide some basic information on your debts on our request form so we can create the analysis such as balance, interest rate, payment amount, etc. We DO NOT want any account numbers or your ss# as we are only running your initial analysis. We only need numbers and basic information to run the analysis, and want to protect you at all costs. Once you have supplied us with the information on your debts, we will create your analysis and send it back to you so you can see how much you could save and how different your financial future could be.

So all you have to do now is go up to the top right of the page and fill in the box with your name and email address and hit the button.

Warmest Regards,
your friends at FromDebtToHope.com

P.S. Just in case you’re still hesitating, let me help you evaluate your options.

Option 1 – You could do nothing different and keep doing what you’re doing now. That would be paying out years and years of un-needed interest, and possibly realizing your retirement will be insufficient for your needs years down the road when it’s too late to fix it. But it’s your money, and your choice.

Option 2 – You could decide to try to get ahead on your own. Financial planners have told us that even with their professional advice and a face to face meeting with them, most of their clients have stopped doing what they were advised to do by the 3rd month. There are high rates of failure in “do it yourself” programs which have been around for years, even decades, but haven’t accomplished widespread benefits. So if you try that and fail, guess what? You’re back in option 1 accomplishing nothing.

Option 3 – You can keep surfing the internet and reading books and magazines hoping to find that magic bullet, or a good get rich quick deal. And waste valuable time and money while you get nowhere and continue to give extra money to your creditors. Pretty much puts you back in Option 1.

Option 4 – You can fill in the form at the top right of the page and get an analysis that shows you how much money you could save, when you could be completely out of debt, and relieve the weight of the stress put on you by your debt. Experience the power of a mature program that has been consistently updated and tweaked for over a decade to help build your future while doing the work for you.

The longer you wait, the more it will cost you every month paying out un-needed interest and moving towards a smaller retirement income. Go and fill in the email form at the top right. You have nothing to lose and more to gain than you can imagine.

We want you to be Financially Successful, not Financially Stressful.

If you have any questions, please feel free to direct them to us at nodebt @ fromdebttohope.com

Now go to the top right corner of this page and fill in your name and email address so you can get access to your own personalized FREE analysis.