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This book is a complete waste of money. I read the entire book in 1 hour because practically all of it is just stupid stories explaining the problem. We already KNOW the problem Kevin! This book might be good for young school-age kids but that’s it. Save your money.

Here’s the “secret” information offered in the book.

The banks are out to get you! No c$%p! We know they’re just a bunch of greedy b&*%$ds with the ethics of a sewer rat

Get a copy of your credit report free every year - of course.

Don’t admit to any debt.

Cry “Identity Theft” to erase charges (now be ethical)

Draft a financial statement showing you have negative equity (net worth) and cannot pay - show to creditors; they may make a deal.

Ask for a credit limit increase - Wow! pure genius!

Ask for a lower interest rate - Whoa! that’s crazy!

If your FICO score is less than 619 you are high risk. >= 661 is OK

Better your FICO score by asking a friend or relative with GOOD credit to simply add you to their card. Make sure that company reports you to the credit agencies - some don’t. Not a bad suggestion, except it's outdated (before the book was even published) and will no longer work.

Most states have a statute of limitations on debt after which it cannot be legally collected. Most states are 6 yrs, some as low as 3. Check this link:
www.cardreport.com/laws/statute-of-limitations.html

Get a secured credit card (you borrow against your own money) duh!

Get a small installment loan and pay off - duh!

FREE money! Visit www.Grants.gov, www.fundsnetservices.com, www.foundationcenter.org, www.kn.paceball.com, www.sba.gov, www.womensbusinessgrants.com, www.fns,usda.gov/cnd/lunch (free school lunch), www.idanetwork.com (money matched savings for home, etc. sounds interesting), www.energystar.gov (tax credit)

There’s more stuff of course but that’s really about all you get for your $42.

Now go get out of debt and stay that way!

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what does don't admit to any debt mean

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Hi David Robinson ...! If a bill collector calls you ...don"t admit the debt. There is a Statute of Limitations on how long they can collect. If you admit the debt ...they can start all over. If you don"t admit the debt ...they have to stop calling you after 2-3 years ...whatever the Statute of Limitations is in your state.

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Woww Jack did you learn something new from the book? - I think that Debt Cures book gives some tips that make the book worth it specially for some people that do not know anything how to handle finance and how the mortage works ei: PMI and the like.
I just bought the book "Free Money" - Once I get it I will let you know if it's worth your money. Always wishing you the best.

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I really liked KT"s" Natural Cures" books and the "Weight Loss" book, but I didn"t care for the "Debt Cures" book ...try sorting through all those grants ...you have to be a freakin lawyer ...GRRRR...! As for the "Free Money" book ...Didn"t like it either ...no help. Beware when you order the "Free Money " book .....once they get your card number ...they try to sell you about a dozen onther things ..Grrr ..I was absolutely furious. I got snookered into the Free Money Newsletter ...WORTHLESS ...about 4 pages of info, for about ten bucks a month. I tried to cancel newsletter over the phone but since my phone number wasn"t in the system ... I couldn"t cancel ....! I sent email to the website ...Please cancel my newsletter subscription. .....! They emailed back ...saying they would give me 30 days free, if I would reconsider. I emailed them back ...JUST CANCEL.
Wanna bet ...they will charge me again this month ...I"m waiting to see. This is why I never joined Natural Cures website ...to many people saying they couldn"t cancel. I won"t join G.I.N. either ...for that same reason.

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Michael, I also got suck into paying $140.52 for the "Free Money" book with all the extras and so far no free money for me yet, I am on chapter 17 "bye bye debt" now. I wish I could have known you first before making this expense before I called it investment. The $100.00 gift certificate from Wal-Mart is another scam because you are agreeing for a bunch of junk mail/subscription to be send to your home.
Chanel, In some of your comments you are absolutely correct. You can not trust people that ask for money for service you can get it for free and wihtout interest somewhere else.
I am mad & sad to find out the hard way.

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What I think happens, is that Kevin makes a product and then sells the rights of the product to a company.

Because it just doesn't make sense that he would screw people over like this.

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The "exact" same thing happened to me. I read all Kevin's books up to Debt Cures. I was aggravated by the sales pitches, and then by most of the info. in the book. Some of it was good advice for someone who has no knowledge of money management, but some of it seemed unethical to me. I looked up the grant info. like Micheal said you would have to have an extensive legal background or tons of time on your hands to research these and apply for them. I loved the Natural Cures books, but it all seemed to go down hill from there.

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O M G John Jack Napper you wrote what I thought months ago when I purchased it also. That is why I have been so grateful for the food info, but so skeptical about what info to trust. I was under the impresssion that KT was purely legit. But why would he give us info that wasn't even really going to get you out of debt? All that stuff was know to me already besides the don't admit to th debt info. And the statue of limitations. But hell a statue isn't even a real law. A guy named Robert Menard gave better info than this for free. On youtube and his website. And Michael is right that is also why I wasn't going to join GIN because of my skepticism. And KT keeps sending me letters trying to get me to by his CDs, first they were anonymous some 'secret society' and now they have his name. I never joined natural cures because I thought why? I have the book, and can search for more info on my own. Why should I pay for a site with info that can be found free elsewhere. Hmm....the best thing KT has taught me was the reminder that "Its always all about the money" period. I think about this first now before I do anything. Those ppl are solemly addicted to making money at no matter what cost to anyone or anybody's lives. What a fucked up society we live in. And I thought that the super rich were more content, genius like, caring individuals that try to help where ever they can..HA.. I thought because they have access to so much, that this gives them greater understanding than most on how to harmonize ones life instead of make it worst for their fellow man by destroying it piece by piece, if and when they can. Im just saying if I was born wealthy, I would somewhere down the line gain common sense enough to know that when it is my time to die and I nor Nobody knows whats next, that my questions about my creator will be answered and I would feel embarrassed to live with the fact that I took advantage of my given opportunity in life as a wealthy person. Not only took advantage of ppl but took part in the silent murder of masses of individuals and felt no empathy or compassion for their living souls. So sad but very interesting to know that the wealthy are not as smart as I used to think they were. They may just be rich enough to be informed and knowledgable, but wow they can also be non empathis with absolutely no integrity and raised to feel like it was ok to be selfish and do whatever they want without no visible consequences that everyone with less than them have to deal with.

For example, now Im just in thought mode and rambling, please excuse me gentlemen. They control everything and they have totally different mind frame views of all kinds of ppl because they know and take full advantage of the fact that everybody feels like they have the answers because we think "why would they want to decieve/kill/manipulate/ us when they have everything already?". This is societies number one question about the rich. And they never address this on mass media or sitcoms or anywhere besides movies. And when they do they call it non-fiction..lol, yea right. I've been a ppeople philosopher since I was very young and I have run into some passive agressive mentalities-so they call it now.. And one would never think that these ppl would be capable of such lies and deception because of their circumstances in general[these are not wealthy ppl either]. Anyway my example was...Has anyone ever seen that special on IDK I forgot where because I don't watch tv anymore. However it was about "what would happen if we gave a homeless man $100,000?". I believe that that is chump change, especially if a person doesn't know how to invest that money and they have no serious caring help around them, or worst, their on some sort of substance abuse[drugs or alcohol]. I just watched to analize everything. This show was set up to be entertaining to ppl because they were toying with ppls lives and smoke screened it with the excuse that they WERE that generous enough to take a chance and share with others BUT...they were really trying to manipulate your mind into making it seem like it was ok for wealthy ppl not to share because 'look at what this homeless man did with their money'. Hope your following me. Now they got laughs because they already knew the outcome, and they knew you would not see it any other way but how they want you to see it. This homeless man wasn't a drug addict, but he was a drinker, he had a low paying job tho. He was a loner with one sister and well she was what she was. She seemed to be being nice to him because he told her about the money. I was like WOW some fucking family members are not worth calling a relative. Now she did try to warn him to save some but thats because she knew the cameras were rolling. But her hand was out all the time, as well as long lost relatives who he hasn't seen in years, just popped up outa the blue. He was smart not to give it all away to them. He knew they were only smiling in his face. But he bought a 35,ooo dollar truck that he always wanted and continued to work. He bought the only employee that was considered his only friend[mexican man] because he was nice to him a car for about 12,000 and the young man never wanted him to by anything for him. Then he wanted to keep working and decide what to do with the rest to make him financially stable. But before that, he decided to go to a bar, which he hasn't been to in decades and talk to or meet a woman that he could be with because he hasn't had sex in years. Hmm Guess what? It gets better. This woman sees money he pulled out and bought her drinks and the whole bar drinks and her goldigging skillz heightened. Being that he was new to woman all over again, he practically fell in love with her after one night. And she drained him dry of the rest. It ended with him still working at some sorting garabage recycling place for pennys. He had to sell his truck cause the woman wanted more money and then she left him alone in a hotel room one day. SAD! He was hurt but just went on with his life and said that was the best experience he ever had and at least he got to do what he always wanted to do. He quit drinking so much, he just liked beers. And the camera crew said and this is what happens when a homeless man finds $100,000.

Some story huh? Well my point is that the rich/wealthy want us to think we are too dumb to handle this or not goal oriented enough to aquire it. Meanwhile they set up walls to make it harder for th average to achieve it. All pay dearly in their pursuit of money whether it be bad health in the future, or becoming a cold hearted or non caring being. But mostly with their health and thats good for the wealthy because I really think they know how to live beyond 100 very easily. I worked by cruise ships, I saw a lot of things. However they are playing battleship with ppls lives and think in their minds that its ok because they can and get away with it. The point to this story really was that thee majority of POOR ppl have developed a sense of human dignity and empathy for man and are the most caring individuals from learning service and learning how to live happy with less and peaceful amongst many without being a bother to anyone besides themselves. They can easily be jealous of the goodness that they witness and wonder why ppl are so naive. They don't think its because we weren't brought up with a silver spoon and nothing productive to do with our lives. We have purpose and they are abusing theirs. We were taught to share..and not showered with materials things whether it was because we didn't have the money or because you had a good hard working set of parents or parent that wanted to teach you the value of appreciation for every dollar and most of time you are taught respect for ones that are less fortunate than you are. I WILL REMAIN SKEPTICAL AND NOT BE MONEY HUNGRY because I have learned that las vegas and atlantic city, foxwoods etc are not there for you to hit it big. They are illusions and they will suck you dry. Hmm I have never seen anyone hit $millions in a casino unless they already have millions. They can tell you or set up anything. They have unlimited money. And you volunteer to give it to them anyway. Just over think right now but I think Im done. Sorry so long but when I go I go lol. Great post Jack John Napper and good comment Michael:)

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Chanel, I do not blame you to be skeptical. I love some of your comments. But there are some sincere and nice people up there. Read a small comment in my Michael's reply. Good luck in your future and have a healthy life.

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I think the people who benifited the most from debt cures are low income uneductated minorities. Those are the people who the banks and credit card companies make the most money from. Like kt said in the book. I fall into that catagory. Alot of you didn't need to read it. Alot of you either learned this from friends,parents and college. None of my friends know anything about finances. I didn't go to college or finish high school. I never talked to my parents. I had no idea about any of the stuff in that book. I've never been in debt but thanks to debt cures i will never go into debt. Right after i got done reading debt cures i got my first credit card offer. I started getttin more and more. I've turned down 12 offers so far and stayed with the first. Since in know how these bankers think i know what to look out for. Had i not read the book i would probably have 10 credit cards and be going into debt. I think with all the crap going on these days going into debt is the last thing anyone of use needs. If you went to college or make over $40,000 debt cures is a waste of money but i think its great for young people. Especailly since young people in college are the easiest victims.

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I think you are very right Che. The banking system does prey on the uneducated and naive, but you would be amazed how many "educated" people are so far in debt they will never get out. Part of it is what Channel said, we are living in a society that worships consumerism. People will do anything to get "stuff" their lives are ruled by greed. I guess that was my whole point behind the G.I.N rant. I think if you spend your whole life pursuing what society calls "success" (the accumulation of wealth), you will end up disillusioned and unhappy. Money is simply a tool and if used properly and be a tremendous asset in helping people, but unfortunately this rarely happens. It seems to change people for the worst. Greed and the lust for power come from inside us, money doesn't cause it. But if you are a greedy, power hungry person money will allow you to hurt other people. That's what the wealthy elite are doing to us right now. The trick is to learn to define true success and who you are outside the "parameters" and "labels" society has drilled into your head. If you can do this, money takes it's rightful place as just "a tool" and you will never be controlled by having it or not having it.
Interesting note: I know you're to young (me too LOL)
But thats what the whole "hippie movement" was about in the sixties.

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