I keep hearing on the radio about this tape you can get sent that tells you how to eliminate you debt with the money you already have. It sounds like a scam.

Hell if it doesn't make any sense then why fall victim to it. I don't understand people sometimes. They know it doesn't go together but they still seem to victim.

Scams are pretty easy to spot coming.  Which is why if there is anything offered to me for free, I'll check it out.  What does it hurt right?  I just don't let them talk me into anything they want me to buy.

Here's the law actually.  And I can give you the source if you want it.  But, it is illegal for a credit repair service or company to make you pay them any money before they do anything for you.  So, that means that there are legitimate credit repair companies offering legitimate services.  They won't charge you before they produce results.

They will let you know how much they will provide their services for you.
They will let you know what you can do for yourself.
And they will let you know exactly what they will do for you and if it doesn't come with a guarantee, don't buy into it.

But, if a company asks you for money up front and doesn't spell out exactly who they are, what they can do for you...you know it's not legitimate.

That is some great advice.

As the very old saying goes if it sounds too good to be true it usually is. As such, I try to avoid anything that sounds a little too grandiose

Hotwriter... 

I purchased that program lonnnnnnnnnnng before they started blasting the radio with those ads..  I will tell you that in my opinion for what that is worht as you do not know me is that it is NOT a scam.

As a matter of fact is was the  best money I have spent in the last several years and with the principles I learned and a few other techniques I have picked up I will be debt free in 7 yearrs tops.

I have actually spun off a sepereate program to teach people how it works. Anyhow just adding my 2 cents worth, this is assuming you heard the radio ad I tink you did..  The Author is John Cummuta.

Good Luck All