Yes

No

Qualifying Questions:

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Do you own and regularly use more than THREE credit cards?

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Are you making minimum payments or do you pay less than the full balance due on any of your credit cards?

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Are you saving less than 10-15% of your income?

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Do you own a home that is NOT fully paid off yet?

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Are you comfortable paying HIGHER current interest rates over a longer period of time; or would you rather LOWER your overall rate, eliminate your debt, and pay off ALL your bills MUCH faster?

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Would you like to have some of the money you’re currently using to pay off your bills, be available to do something meaningful for yourself or a loved one -- something you’ve always wanted to do, but have been forced to deny yourself because of your HUGE monthly expenses?

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Do you feel like banks, car loan companies, and big credit card companies have their hands around your throat trying to suffocate you because you wind up paying higher interest rates than you should be?

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Do you have important long-term personal goals you’d like to accomplish, like retiring one day and knowing you’ll have enough to pay your bills... or funding education for one of your children or grand-children, and you’re experiencing anxiety because you simply do NOT know how you’re ever going to be able to afford to do this?

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In your heart of hearts, would you like to eventually be able to buy a new home... or vacation in an exotic place, or drive a new automobile... but have doubts whether or not this dream will ever be realized?

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Are you frustrated because you can’t ever seem to be able to take advantage of some of the “few” government benefits still available, like IRA’s, 401(k)’s, and other pension plans... or are you being taken advantage of by the IRS, like most hard-working Americans, simply because you’re “too cash-poor” to take advantage of these golden opportunities?

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Have you ever been “stung” by just one of the following sneaky little fees?  The biggest problem is that all these fees are 100% legal -- the banks and big credit card companies have almost TOTAL control over you.  In MANY cases, they’re pulling all the strings and you’re just DANCING to them!

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Late Fees - One of the MOST profitable ways they make money off you.

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Over-Limit Fees - Of course, the biggest problem with over-limit fees is that they don’t give you a choice!  They'll “let” you charge $5 bucks over your limit -- and then they’ll WHACK you with a $39 Dollar penalty to boot!

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Hidden Transaction Fees - Where you “thought” you were transferring a balance from one card to another, for free, and you found out the hard way this wasn’t so?  Or... perhaps you’ve written out a check from one of your credit card companies thinking it too, was “free,” and yet once you got your statement you got beat for 2%... 3%... or maybe even 5% or more of the money used?

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Unannounced Interest Rate Increases - If you’re even a day late on your payment, or Heaven forbid -- if you MISS a payment -- your “low” introductory rate, or your “preferred” rate... will suddenly without warning, jump up by 10% to 12% or sometimes even more!

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“Fixed” or “Introductory” Annual Percentage Rates... That AREN’T Fixed At All!  You wonder how this is even legal, because all the credit card company has to do to change your interest rates, is send you a 15-day advance notice.  And when does this usually happen?  As soon as you have a nice big fat balance on your card, when you’re least likely to be able to afford it!