This is an introduction to XTreme Debt Relief.  This page is a temporary page until we launch the new face of Extreme Debt Relief at very soon.

We show you how to keep your money and get out of debt in just a few months.

Extreme Debt Relief is powered by a twenty year old brain-trust of the most researched and talented legal minds available in north America.

We created this site to allow people to quickly access documents to address their immediate situation without having to pay with a credit card or become a member, or subscribe to a newsletter, etc. Once you review the copy on this site, you will quickly know if we have what you need, then you follow the appropriate link and download what you want. Of course it won’t be the polished and customized perfect document for your situation, but you will be 98% of the way there. You can then use that information and the document we provide you to get some leverage in your immediate situation.

This will give you time to decide if we can provide you with more help. Our experts are standing by to answer your questions, again, anonymously. We then provide you with a new client special that is such a small price you will just have to try it. That will allow us to treat you like a regular client and provide you with the exact information and documents you need. Here is an example, let’s say you were served a foreclosure summons three weeks ago and just found our website. You are already late in responding to the lawsuit, what do you do?

In that case, we can provide you, not only with a well-written response, but an additional document that will justify the court in allowing you to answer late. And, we usually don’t answer new complaints like this, we usually ask for dismissal for legal reasons that most attorneys will not use. This is provided with no costs or obligation because we view it as just part of our marketing strategy. We also believe you’ll hire us, not because we gave you the usual “grim-attorney” sales pitch of how bad your situation is and how only an attorney can get you out of it, but because you see that we have the most updated and sophisticated legal strategies you will ever find anywhere in this market.

Most of the time, over 90% that is, people who have a real situation where we can help, hire us after the initial, no-obligation help we provide.

Basic Principles of Extreme Debt Relief

If you want better results than everyone else in your situation, you have to change your thinking and adopt new habits.

Don’t make any financial decision based upon how it may affect your personal credit.

Good credit scores are all too common and we can always come back to that and restore it and practice better habits about using personal credit going forward so that any adverse consequences will be substantially mitigated.

Don’t make any financial decisions on the assumption that paying debts will improve credit.

Paying creditors and especially debt collectors does not improve your credit score, and will create new tax consequences.

Don’t make any financial decisions based upon the assumption that you have equity in your home.

Brand name creditors such as well known banks are not your friend. They operate under certain corporate policies and underwriting standards that favor share holders and always operate against your own best interests. Citibank, for example, is not your Uncle Bob. It’s sole purpose in this world is to impoverish people while it engorges itself on their wealth.

If you borrowed money from a friend or family member, pay it back as soon as you can. If you received professional services, pay for those as soon as you can. Never pay creditors and never pay debt collectors or their attorneys.

Debt settlement and consolidations are consumer fraud schemes operated by private companies who serve only the interests of the banking community. Never offer a settlement and never borrow to consolidate. This creates new taxes, bad credit and still risks lawsuits.

Instead, there is a federal law under which you are already protected and under which you already have favorable terms. If you just use this law, you have the best deal ever, I will explain.

Bill Smith has $100,000 in credit card debt. His attorney got him a smoking good discount in a settlement deal that took one year to set up, while his credit was destroyed. But he gets to pay only 50% of the total amount owed to all of his creditors. Because of having to wait a year to make the deal, the debt rose to $137,000, but he is only paying half of that, $68,500. But he did have one small hiccup, one of the creditors decided to sue him during this process, so he had to pay that account in full and his credit shows a judgment lien. He hasn’t learned any new habits so this will really hurt him going forward. Also, each of Bill’s creditors sent him a 1099 and reported it to the IRS for the unpaid $68,500, so he was launched into a higher tax bracket without the benefits of a pay raise. His financial situation is worse now than when he completed the settlement or consolidation process.

Because Bill’s credit record shows that he was willing to make settlement agreements and pay creditors without first being sued, other creditors that were not in that deal now expect to get settlements out of Bill and, the IRS calls him in for audits more frequently now because he has demonstrated that he would rather pay instead of defend against any collection process.

Mary Ann also had $100,000 in credit card debt. She didn’t offer to pay anything and kept all of her cash and income. She changed her banking and money management habits to become immune to any collection process, including the IRS. Instead of paying creditors, she invested her money by expanding her home based business with a new advertising campaign and has nearly doubled her annual income. She might soon be able to leave her day job because she’s doing so well. She had 8 creditors and 3 of them sued her in the first 18 months. She did not need an attorney, and she never appeared in court. Each of the creditors obtained a piece of paper from the court that said they each have a judgment against her. None of them have been able to force her to pay one dime and now they leave he alone. She will not be subject to the 1099 income taxes because she never made a new deal with any of them. And she still has her cash, invested most of it and now has more income from a new and better habit of managing her money.

She did receive some unwanted collection notices and harassing phone calls, but because she adopted some new habits, she sued the collections companies and won $1,000 from the first one, $2,500 from the second and $4,000 from the one that would not stop calling her. These were settlements that she received, and she still never paid a dime to any of these companies. Her credit is toast, but she doesn’t care because she is happily expanding her income through her business, using better credit habits and business credit now to make major purchases through her business (with no personal guarantees). For the first time in Mary Ann’s life, she has a net worth. It’s not yet $250,000 but soon it will be; whereas, before she changed her thinking and her habits, she never even knew anything about having a net worth.


There are two types, one is called a non-judicial where the bank or its trustee simply sends you a notice and then auctions your house at a public foreclosure auction. These can b prevented for several years with the proper strategies.

In about half of the states, the foreclosure process is judicial. These are easier to work with as the burden of proof is on the banks and they are subject to the rules of civil procedure.

In most cases, it makes sense to stay in your home during foreclosure and force the bank to complete that process if it can. The benefits include saving your cash instead of paying property taxes, a mortgage or homeowners insurance. We replace homeowners insurance with less costly options if necessary in your circumstances. Most people don’t know that the banks are already required by law and by their own shareholders to maintain insurance on your home. They also have a life insurance policy on each of the title holders (borrowers) that pays the bank if one dies at any time. This policy should settle the foreclosure allowing the living homeowner to retain the property free of any mortgages, but this is not how the banks play the game. We have to force them.

For many people that use the proper strategies, those that we recommend and assist people into implementing, they are able to recover most if not all of the money they paid for the home, breaking even, and freeing up their ability to buy another home, even with bad credit.


We can stop an IRS levy in one day and then usually make the account deemed uncollectible by the IRS. Each case is different but we have consistently successful results.

Privacy Strategies, including asset protection and “how to disappear”

Many of our clients want to disappear “on paper” as we say, it’s a process that takes a few months and with proper management, can save people lots of money, especially in future legal costs.

Small Business Reorganizations

The purpose of a small business reorganization is to restructure, mostly the business cash flow, so that new income is not encumbered by old debt and liabilities. This can be done without filing any bankruptcy and takes usually three to six months.

Business Credit

Once the basis strategies and new procedures are in place, we can help you establish business credit for your corporation and use that to acquire $50,000 in unsecured bank loans within 6 to 9 months.