http://moneycentral.msn.com/content/savinganddebt/consumeractionguide/p80462.asp - Liz Pulliam Weston sells books on personal finance (paying back debts.)

http://www.buzzle.com/editorials/4-20-2006-94009.asp - Charles J. Phelan sells program to help you negoitate your debt - $397

http://www.federalreserve.gov/boarddocs/srletters/2004/sr0403.htm the boys that help the banks make money -

http://www.freemoneyfinance.com/2006/01/beware_debt_eli.html sell ads and products for the debt industry.

http://www.bankrate.com/brm/news/debt/20060113a1.asp its existence depends on the banking industry

http://opportunitiesaplenty.com/Debt_Blog/2006/11/debt_elimination_scams_to_avoid_youll_ju.html Not really sure what they do other than give bogus opinions.

http://www.419legal.org/frauds/debteliminationscams.php certificates issued - agreed - a scam - but still just opinion.

http://www.wtopnews.com/?nid=97&sid=1338272

Here's two links where they discuss debt elimination scams. You will notice, we and what we do are not included.

http://www.federalreserve.gov/boarddocs/srletters/2004/sr0403.htm a Washington D.C. radio station that depends on a government license to exist.

Many sites tell you to write the credit card company a "warrant," which is similar to a check, and have it drawn against your Social Security account. There logic is, its your money, you should be able to use it anyway you choose.

Needless to say, this isn't true. To suggest such an action is wrong and to write such a "warrant" or "fake financial instrument" may be illegal.

We do not condone the use of these "fake financial instruments that claim to eliminate the borrower's debt obligation" and we do not show you how to create these.

We do show you how to use and create perfectly legal and "valid" financial instruments that you may not be aware of. These perfectly legal and "valid" financial instruments are used world wide to satisfy all types of debts. Every state and local government, corporations, banks, and the federal government use these financial instruments on a daily basis. They are generally used in place of regular checks to prevent fraud.

Like all good attorneys and the Federal Reserve Board, we do "selectively cite from passages of government publications, statements by politicians, constitutional provisions, court decisions, various statutes, and private newsletters to support claims." This is called "proof" and is completely legal. In fact, it is required in a court of law.

http://www.occ.treas.gov/AntiFraudConsumer.htm#DebtElimination

We do not:

• claim to pay out the debt in some way, but don't;
• transfer the debt to some wealthy benevolent entity, that does not exist or has no financial capacity;
• or, falsely claim to be able to have the debt declared invalid for the reason that the financial company is not permitted to lend money or the documentation used by the lender is not valid.

In fact, we rely on the bank claiming and proving that their documentation, i.e. the credit card account agreement, is valid. Because, if this agreement is valid, then you have legal rights under that agreement which you're probably not aware of. We simply show you how to exercise those rights to your advantage.

Last time I checked, showing people how to exercise their legal rights was not a scam. In fact, isn't that what rich people pay attorneys at law to do for them?

Of course, if the credit card bank should state that their agreement is invalid. Then they have committed fraud. Not something they are likely to admit.