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30-Day Debt Free Membership Club Guide



Debt Relief Secrets is a package of digital products explaining how to escape from debt.

The products are being heavily marketed to Americans who owe significant amounts (over $5,000) of credit card debt. By following the recommendations in Debt Relief Secrets, you can escape from this debt and move on with your life.

debt relief secrets

Will Debt Relief Secrets really work? How does Debt Relief Secrets help relieve debt? Find out everything you need to know about Debt Relief Secrets today in our review.

Get Debt Relief Secrets Book Guide Here

What is Debt Relief Secrets?

Debt Relief Secrets is a package of digital products explaining how to escape from multiple types of debt. The package includes the original Debt Relief Secrets eBook, which explains how to pay down debt using various strategies. The package also includes eBooks like Medical Debt Loophole and The Ultimate Money Making Guide.

debt relief secrets review

In addition to eBooks, Debt Relief Secrets features a series of tutorial videos called the $10k Today Method.

Debt Relief Secrets is priced at $40. After paying your fee, you’ll gain access to all of these digital products immediately. The program includes eBooks, video tutorials, and access to an online platform.

Overall, Debt Relief Secrets claims to teach you how to escape from debt, pay down multiple types of debt, and escape from the burden of debt. According to the introductory video, you’ll learn how to “spit in the face of the big credit card companies and banks”, paying down your debt and avoiding it forever.

That all sounds good – but Debt Relief Secrets has one big issue: the program is loaded with hidden fees that will push you further into debt. Let’s take a closer look at how Debt Relief Secrets works.

How Does Debt Relief Secrets Work?

Debt Relief Secrets shares various strategies for escaping from debt. The debt relief system emphasizes consolidating debt, negotiating with creditors, and engaging in other strategies to lower the amount of money you owe.

How Does Debt Relief Secrets Work?

The core of the Debt Relief Secrets program is the main Debt Relief Secrets eBook. That eBook teaches you how to:

  • Reduce your debts to less than what you owe
  • Avoid paying the full amount owed on your medical debt, credit card debt, student loans, and more
  • Letters you can write to creditors to reduce your debt
  • Lower the balances you owe on your debt
  • Minimize the damage to your credit score, and how to easily raise your credit score
  • How to dispute your account status with creditors
  • How to avoid common scams, traps, and pitfalls

The core of the Debt Relief Secrets system involves sending certified letters to a credit bureau, creditor, or debt collection agency. You request to remove or update erroneous items on these letters, and the creditor can choose the next step.

Debt Relief Secrets book

If you search for debt relief strategies online, then you’ll find many similar lessons available for free. By challenging your creditors, arranging payment plans, and consolidating debt, you can reduce the amount of money you pay on your debt.

In most cases, you won’t technically avoid paying the principal of your debt. However, you can avoid future interest payments.

Let’s say you owe $10,000 on your student loans. You will always have to repay a minimum of $10,000. However, with a debt consolidation or repayment plan, you might only pay $2,000 of added interest instead of $5,000.

Overall, the lessons in Debt Relief Secrets are similar to the debt relief lessons you can find online for free. If you’re serious about escaping debt, you’re better off speaking with a qualified financial expert or debt advisor.

Other Debt Relief Secrets Products

There are three other products in the Debt Relief Secrets package, including:

Medical Debt Loophole: This eBook teaches you how to wipe away years of medical debt using “highly effective methods and loopholes”. As with other Debt Relief Secrets strategies, you can expect recommendations for consolidation or repayment negotiation with creditors, among other strategies. There are few ‘loopholes’ that allow you to genuinely escape from medical debt beyond these strategies.

$10K Today Method: This is a series of video tutorials that explain how to access $10,000 in new, available credit with no credit check required.

The Ultimate Money Making Guide: This eBook contains proven ideas about how to make extra income at home or by working for yourself. You can implement these strategies from home with no startup capital required.

Access to Debt Relief Secrets Community: By signing up for Debt Relief Secrets, you’ll get access to the Debt Relief Secrets online community, which includes members at various stages of dealing with their debt. Your price includes a 30-day free trial, after which you need to pay $20 per month to remain active in the group.

Debt Relief Secrets Pricing

Debt Relief Secrets Pricing

Debt Relief Secrets is priced at $39.95 plus shipping:

1 Debt Relief Secrets Package: $39.95 + $7.95 Shipping ($47.90 Total)

It’s unclear if the Debt Relief Secrets is an eBook or physical book. However, since you’re paying shipping, we assume you receive a physical book.

You can pay online using any major credit card.

Debt Relief Secrets Hidden Fees

As mentioned above, Debt Relief Secrets is loaded with hidden fees. After entering your credit card information to pay the $40 fee, you’ll automatically be subscribed to a high-priced subscription program called Debt Club.

Debt Club, as far as we can tell, is simply the online Debt Relief Secrets community. It’s unclear why you would pay $20 to join the club, or why membership is worth over $240 per year.

That program is detailed in fine print at the bottom of the Debt Relief Secrets sales page, where you’ll learn that:

  • Your $40 membership fee only covers a 30-day trial membership; that trial membership starts the day you place your order
  • 30 days after buying Debt Relief Secrets for the first time, and every 30 days after, your credit card will be automatically charged $19.95
  • To avoid these fees, you must call 1-800-204-7090 or email
  • If you cancel within the first 30 days of your purchase, you will not be charged

Debt Relief Secrets claims these aren’t ‘hidden’ fees because they’re explained at the bottom of the sales page. However, the company uses small, italicized, hard-to-read font. These hidden fees are also labeled as a ‘terms of service’ – they’re not labeled as extra fees.

Debt Relief Secrets Refund Policy

Debt Relief Secrets has a ‘triple your money back guarantee’. If your monthly bills do not decrease by at least what you paid for this book within 90 days, then you’ll get triple your money back (you receive $120 via check or PayPal).

Debt Relief Secrets Refund Policy

To qualify for the triple refund policy, you must meet the following qualifications:

  • Owned the book for at least 90 days, with proof of receipt
  • Logged into the Debt Club member area at least once
  • Sent three certified letters to a credit bureau, creditor, or debt collection agency requesting to remove or update an erroneous item

If you have done all of these things and have not saved at least $40, then you may qualify for a triple refund and receive $120.

Who’s Behind Debt Relief Secrets?

Debt Relief Secrets was created by a company named Credit Heroes ( That company lists a post office box in Scottsdale, Arizona as its mailing address. The company is also affiliated with, Finance Council, and The Debt Relief Center.

Who’s Behind Debt Relief Secrets?

Credit Heroes provides online credit scores that help you get approved for loans, access lower rates on credit cards, and borrow money at a lower price. Most of the company’s products are catered towards people with bad credit or debt who want to borrow money without excessive interest rates.

  • You can contact the makers of Debt Relief Secrets via the following:
  • Email:
  • Mailing Address: 1776 N Scottsdale Rd. #10548, Scottsdale, AZ 85271
  • Phone: 1-800-204-7090

Final Word

Debt Relief Secrets is a debt reduction system that teaches you how to contact your creditors to reduce your debts. The program consists of a series of eBooks and video tutorials explaining how to reduce your debt, what to say to creditors, and how to access lower rates for borrowing.

Debt Relief Secrets sounds good, and the product has a good ‘triple your refund’ policy, where you can get a $120 refund (on your $40 purchase price) if the program did not reduce your debt.

The main problem with Debt Relief Secrets is that it’s bundled with hidden fees and a high-priced subscription. By buying Debt Relief Secrets for $40 today, you’re automatically subscribed to a $20 per month ($240 per year) online community called Debt Club. You can cancel your subscription any time. When comparing Debt Relief Secrets club and book guide to other credit repair type offers such as Credit Secrets or Credit Score Accelerator, one can never been too sure what they might gain from it as sometimes only a small action can result in a big reward when it comes to lowering personal debts and boosting credit.

To learn more about Debt Relief Secrets and how it works, visit online today at

Get Debt Relief Secrets Book Guide Here

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Miracles in a tough season



Harry Hines Boulevard in northwest Dallas is a “track,” a place where prostitution is, at least in normal times, visible and available. It’s a wide, treeless expanse of concrete, low-slung buildings, and neon signs. On a Saturday in early August, a nearly full moon glowed in the southeastern sky. A couple of strip clubs had reopened and, judging from the parking lots, were doing good business. Outside of one, a doorman stood wearing a surgical mask. 

The pandemic hurt strip clubs like those on Harry Hines Boulevard, and it also put a crimp on prostitution generally. The Dallas Police Department (DPD) reported that cases of johns “purchasing prostitution” dropped 63 percent during the first half of 2020 compared with the same period in 2019. Human trafficking reports dropped by 39 percent. “COVID has definitely had an impact,” said Maj. John Madison of DPD’s vice unit.

But the pandemic effect has not been all good. Harmony Grillo, founder of Treasures, a California-based ministry to sex trafficking victims, said traffickers are forcing some women to do more porn webcamming “to meet the increased demand that’s created by those in quarantine.” Carol Wiley, director of A Way Out, a similar program in Tennessee, said fewer johns may be renting women face to face, but she fears that “violence toward the women [by traffickers] increases.” 

Some of the heaviest and least-anticipated impacts of the pandemic have fallen on victims of sex trafficking who had already escaped the life. One such victim—call her Ava, because she has legitimate fear of her trafficker tracking her down—was recovering from three years of being sex trafficked when the pandemic hit.

Ava, 24, escaped her trafficker in 2018. She built a relationship with God and overcame deep-rooted social anxieties. But the pandemic shutdown took away much of the community she had built since escaping prostitution. In-person worship services at her church in Fort Worth stopped. Small groups she attended on issues from emotional support to financial coaching could no longer meet.

Ava was living in a house run by Valiant Hearts, a Texas-based group that helps women escape the sex industry. As the pandemic lockdown continued, house parent Tiffany Kiser noticed that Ava had lost the optimism she’d gained since being in the program. She stayed in her room and refused to talk about what was bothering her. 

In normal times, Valiant Hearts provides women with choices, something victims lose when they are trafficked: To appear controlling risks having a victim equate you with her trafficker. But Ava was at a critical point in her healing, one that called for an unorthodox approach. Kiser and Emily Chavez, Valiant Hearts’ program director, demanded that Ava sit down with them. When she did, her hands shook and her face looked as if a year and a half of therapy had completely unwound. Ava said she couldn’t explain how she felt or why. “Just start talking,” Chavez said.

SEX TRAFFICKING IS A LARGE, sophisticated, underground economy, with its own networks, business models, and jargon. Criminals like the one who trafficked Ava are the successful entrepreneurs of the industry. They own multiple homes and drive expensive cars. At any one time, they may control dozens of prostitutes, sometimes trading them with affiliated traffickers in other parts of the country. They diversify across every segment of the market, from prostitution conducted along streets to discreet, “agency-­level” procurement deals for wealthy and prominent johns who shield themselves behind third parties. 

Ava’s trafficker controlled 30 women of different ethnicities, shapes, and hairstyles. He used a combination of charm, coercion, and physical assault to keep them in line. One night after a birthday party for one of the women, police responded to a call about an attempted robbery and shooting. When the police saw so many women and only one man in the house, the officers became suspicious—but could find no grounds to arrest anyone.

The next day, one of the women told Ava she wasn’t feeling well and needed to go to the hospital. Ava loaned her a cell phone so she could call for a ride home. Ava never saw the phone again. At the hospital, the woman told authorities her real problem: She was being trafficked and needed help. The phone became evidence in the case against the trafficker. 

Six months later, police raided the house where Ava lived, arresting her, the other women, and the trafficker. Since she was recovering from invasive cosmetic surgery, police placed her in a segregated cell as a protection against infection. There she remained for six weeks: “It was the first time that my brain had freedom to think the way it wanted to.”

“It was the first time that my brain had freedom to think the way it wanted to.”

In jail, Ava began asking God to show her if He was real. He opened her eyes to see her situation: The trafficker claimed to care about her while beating her and crushing her sense of self-worth. One day as she lay on the skimpy jail mattress, a letter arrived from a friend. It contained a Bible verse, Jeremiah 29:11—“For I know the plans I have for you, says the Lord. Plans to prosper you and to harm you.”

Ava wasn’t sure what to make of it. Were there plans to harm her? She looked the verse up, and realized her friend had miscopied it. The actual verse reads “… not to harm you.” In that moment, she realized if she stayed with her trafficker she might share with her trafficker some of the affluent, glamorous life he portrayed to the world, but there would be harm. 

She decided to take her life away from her trafficker and give it to God.

When she met with her lawyer, she pleaded to find a place where she could learn how “to be human.” That’s how she ended up at Valiant Hearts. Ava was baptized a year ago. Photos from after the service show Ava’s face stuck in a smile that, as she described it, almost covered her eyes.

Ava’s battle was not over. She had to sort through years of emotional damage. For three months after moving into the Valiant Hearts house, she was afraid to leave, only going to church or with others to the grocery store. She also had to unravel a financial and legal mess. Sex traffickers bind and exploit victims by using their identities to open businesses and bank accounts for laundering money. Ava learned about a house in California deeded in her name.

“It’s very strategically planned out,” Chavez said, “so that nothing ties back to [the trafficker]. And when the ladies come out … they have debt, tax evasion, criminal histories, bad credit, and bad relationships with banks.” Ava’s credit score was “about as low as it could get.” Banks turned her down five times for a checking account before she got one through a connection to someone who owned a bank.

WHEN THE PANDEMIC HIT and Ava withdrew, Chavez was worried. She demanded that Ava “just start talking.” 

It started with tears, and what Ava later described as “word vomiting.” She began to see how in the absence of healthy routines and regular worship, she had fallen into old patterns of thought dictated by her trafficker: She’d never amount to anything, never be anything but a prostitute. Ava began to realize the extent to which the pandemic had become a trigger, but one she could counter with skills she had already learned in counseling. 

Since then Ava has made progress. She’s completed the Valiant Hearts program. With her legal troubles mostly behind her, she is moving into her own apartment. She has a job with Savhera, a company that provides employment to victims of sexual exploitation. She is also starting college and has a 10-year plan to get a Ph.D. in clinical psychology, so she can “help more survivors like myself get deeper healing and understanding.”

“This will be the first time I’ve lived on my own literally my entire life. Woo-hooo! The Lord has shown off in this season, really showing miracles. But it’s also been a really tough season.”  

—Paul McDonnold is a graduate of the World Journalism Institute mid-career course

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Warner Robins GA Credit Repair Finance Score Improvement Service Launched



New credit repair services have been launched by the expert team at Fresh Start Consumer Services. They work with clients in Warner Robins, GA and the surrounding areas.

New credit repair services have been launched by the expert team at Fresh Start Consumer Services. They work with clients in Warner Robins, GA and the surrounding areas.

Fresh Start Consumer Services has launched a new credit repair service for clients looking to improve their financial future. Interested parties can sign up for credit consultations, in-depth credit analysis, credit recommendations and more.

Full details can be found at:

The newly launched services are designed to ensure clients can repair bad financial credit history, track their improvement campaign in measurable ways, and secure a better future for themselves and their family.

Clients can work with Fresh Start Consumer Services to clean up their past. This is achieved by working with the major credit bureaus and creditors to challenge the negative report items that affect the credit score.

Based in Warner Robins, GA, the expert team at Fresh Start Consumer Services is passionate about helping citizens to improve their credit score to give them more buying power. As a result of this, clients are able to secure more options in life.

The team understands that sometimes bad things happen to good people, and their services are designed to ensure that clients can get the most out of life. They also realize that a bad credit score can harm clients’ quality of life – and can be a difficult situation to get out of.

Fresh Start Consumer Services offer courses in credit repair and restoration, budget management, credit education and purchase assistance. Clients get easy access to their account 24/7 for live status updates on improvements, allowing them to fine-tune the management of their credit score.

Service options include personalized dispute options to fit each clients’ exact credit repair needs, an experienced case analyst and case advisor working personally with them throughout the process, custom dispute letters, and more.

For clients, there are a number of reasons to work with a credit repair specialist. Clients are able to secure significant savings on interest rates, attain better terms on loan products, and get access to the best credit card deals. They also gain access to more housing options.

The team states: “Fresh Start Consumer Services offers a unique combination of services that gives our clients the quality of life they deserve. We specialize in helping our clients achieve qualifying credit and the financial health they desire.”

Full details can be found on the URL above.

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Is it Possible to Trade In a Car Early?



Yes, early trade-ins are possible when you finance a vehicle. In fact, there’s no set time frame on trading in a car. Most dealers won’t take a trade-in that’s too fresh, though, and it’s best to wait until there’s equity in your vehicle before you try to trade it in.

What’s a Trade-In?

When you trade in a car, you’re essentially selling it to a dealership and financing something else from their lot, without the hassle of selling and buying with separate transactions. There are no hard-and-fast rules about how and where you have to trade in your vehicle.

However, it’s beneficial to shop around and see which dealers can give you the best price, but you shouldn’t just head to a car lot and ask what they’re willing to offer you. When the time comes, there are several steps you may want to take to get ready for the trade-in process, especially if you’re looking to trade in early before you’ve had the chance to close the equity gap.

Trading In Early and Equity

Are Early Trade-Ins Possible When You Finance a Car?When you’re trading in a vehicle soon after you’ve financed it, you’re more likely to be in a negative equity position – owing more on your auto loan than the car is worth.

This is especially true if you financed a new vehicle, or a certified pre-owned car. Newer vehicles depreciate faster than used ones, which have typically already seen their biggest drop in value.

Depreciation is the loss of value over time and it can’t be stopped. It can be slowed, though. The best way to do this is by using a large down payment when you finance. This reduces the amount you have to borrow, and leaves you owing a price closer to what the car might cost after you drive it off the lot. New vehicles typically lose around 10% of their value as soon as they touch the road.

If you don’t have the equity to recoup your investment in a car, you have to make up that difference out of your own pocket. It’s much easier to trade in a vehicle that can pay for itself, but this isn’t always possible when you’re trying to do so early.

Preparing Your Early Trade-In

When you know that you’re starting with a deficit on your trade-in, it’s a good idea to be prepared to get the most you can. Clean the car thoroughly, both inside and out, and make sure to fix any minor damage that may have occurred in the short time since you took out your loan.

Getting the vehicle detailed and fixing major mechanical issues isn’t likely to result in a worthwhile increase to the cash in your pocket, so don’t go overboard. Remember, you want to make as much money on this trade as you can, and it’s probably cheaper for the dealership to fix any large issues.

Before you set foot in a dealer to get your trade-in appraised, it’s a good idea to know approximately how much your car is worth. You can find this out by going to online valuation sites such as Kelley Blue Book or NADAguides. Be sure to be honest when you’re inputting information, since it’s the only way to get an accurate estimate of possible value.

Shopping for Trade-In Values

Once you have the estimates (which you should print or save to your phone), it’s time to take your trade-in to get looked at. Taking it to a few different dealerships is a good way to find the best deal you can.

We recommend taking your early trade-in to at least three different dealers, making sure at least one of them is a franchised dealership that sells your vehicle’s brand. A franchised dealer that sells your car’s brand may be more likely to offer a higher price.

Depending on your credit situation, it’s likely a good idea to ensure you’re trying to trade in your vehicle to a dealership that can work with your situation, especially if you have poor credit. And that’s where Auto Credit Express can come in handy.

We have a nationwide network of special finance dealers that are signed up with subprime lenders who can help people in many different types of credit situations, including bad credit, no credit, and even bankruptcy.

The process is easy to get started – just fill out our free auto loan request form. We’ll match you to a local dealership that can get you started on the financing you need after your early trade-in.

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