Do we understand our Problem?

"Leveraging your debt" means using creative financing strategies to restructure your existing debts. This creates the availability of other financial tools that can place you in the driver's seat to building wealth. You have 100 percent control over the outcome. From a purely financial standpoint, what other investment not only guarantees returns equal to the annual percentage rates you pay on your liabilities (as high as 18 to 24 percent), but does so with zero risk and zero taxes?

In today's world, obtaining financial independence and security seems as impossible as crossing a giant abyss. The unfortunate fact is that families that are in debt will probably remain so all of their lives. Families are continually living beyond their earning capacity. The buy-today-and-pay-tomorrow strategy has caused millions of honest, hardworking Americans to struggle under debt's burden. Without professional help and guidance, many will never recover.

The Social Security Board concluded that 74 percent of retirees are dependent on relatives, friends, government, or charities for their retirement income. Twenty-three percent of retirees must still work to support their monthly liability payments in addition to their regular living expenses.

Since the early 80s, the number of personal bankruptcies filed in the United States has continually increased. In fact, 806,816 personal bankruptcies were filed in 1996 alone. Look all around you. What do you see? The trend is to buy newer cars, bigger homes, fancier clothes, and the latest in electronic gadgetry. Americans simply love to spend, and it shows! How will all these people survive when economic times get tough? In 1999 the national savings rate was negative for the first time in U.S. history. As the economic boom loses steam, millions will be scrambling just to make ends meet.

Would most people like to be out of debt? Of course! But a constant battle is being waged in the minds of consumers. It is a battle between the desires for the immediate gratification of having more things versus the desire to pay off debt. On paper getting out of debt looks very simple; in reality, it is very difficult. When a family has $50 left over at the end of the month, are they more likely to get videos and pizza or apply that to a $5,000 credit card balance? It should be clear which should prevail. However, studies have proven that the first option usually wins. Simply put, most Americans need help to get out of debt.

Underlying Philosophies of Debt Leveraging

The M.A.P.S. program represents a systematic application of three basic philosophies: debt compression, debt elimination, and auditing. The seamless integration of these powerful tools creates a dynamic and flexible program that can change your financial future.

Philosophy No. 1-Everyone knows that if you want to get out of debt as quickly as possible, you have to increase the principal portion of your payment. Unfortunately, most families are already spending as much as they earn; hence, paying more is absolutely out of the question. As a result the program must work without increasing monthly payments.

Philosophy No. 2-Families and individuals have a desire to consume available cash. Because of this desire to consume, they will spend any extra cash they perceive to have. If they don't have any extra cash, they find a way to "create" it. This is evident by the debt-consolidation and refinancing market. Eighty-five percent of people who take out a debt consolidation loan or refinance will return within two years to do it again.

After lowering monthly payments through refinancing or debt consolidation, the very first thought is usually, "How can we spend it?" Before the individual knows it, there's a new car in the driveway, new home furnishings, or a newly planned vacation. Most people have a psychological spending limit and will do almost anything to spend to that limit. Therefore, the program must work without creating the perception that extra cash exists.

Philosophy No. 3-Discipline is perhaps the most important ingredient in achieving financial success. If left up to the family or individual, most would probably never get themselves out of debt. The common phrase in America is "life happens" or "everything will work out on its own." If families have extra money, it is likely to be spent on something other than debt reduction. If they do happen to pay a little extra, it is sporadic at best, and will do little to reduce the amount of debt. Thus, the program must consistently apply additional principal payments month in and month out.

We invite you to take a few minutes and browse the information contained on our site. Please contact us with any questions or for more information about how you can utilize our strategies and start saving thousands of dollars in interest. Call us at (877) 766-6985 for expert service and advice.