It starts with analyzing spending habits, focusing on reducing interest rates, and monthly payments and then following a very precise mathematical process to rapidly all your eliminate debts, without harming your credit score; using significantly less of your money and usually eliminating the debt in one third the time.

For example, our mathematical process will eliminate all your consumer debt; credit cards, car loans, student loans, IRS debt, medical bills, and etc., in about 1 to 3 years; and then if you continue to follow our Linear Math, Critical Path methodology, you can pay off a 30 year mortgage in another 4 to 5 years. You can do all this with the money you have today, no second job, no living like a hermit in the Himalayas and without harming your credit score.

ADE is the most effective Debt Elimination strategy available in the marketplace today,  because it gets rid of all your debts rapidly, saving you tens of thousands in interest cost and does not harm your credit score.

How Does ADE^® Work?

ADE is not Debt Settlement, Debt Management, Debt Negotiation or Debt Consolidation. It’s not a consolidation loan, new mortgage or a HELOC Program or a loan of any kind.  ADE is a coaching, mentoring process that guides the consumer through the financial maze that the bankers have created. It is based on mathematical formulas that do not require any interaction (negotiations) with your creditors.

The first step is to do an on line ADE Needs Analysis to determine if you qualify for ADE.  You can enter a list of your debts and instantly receiving a complementary 1500 word ADE Needs Analysis report.

Next, if you qualify, we work with you to develop a debt elimination financial plan tailored to your specific situation. Then we work with you, and for you, to implement this plan in such a way it assures you of rapidly eliminating all your debts. Our mathematical process insures that your debts are prioritized in such a manner that it optimizes your success and not the creditor’s bank account.

Conventional wisdom says that you should pay off the debts with the highest interest rate first or the smallest balance first. However, if you have as few as 7 debts, there are 5040 different ways one can prioritize these debts. Conventional wisdom only looks at two of these. I can assure you that out of the remaining possible combinations and permutation, there is a high probability that one or more of the remaining 5038 will be better then conventional wisdom. Government studies show that 96% of Americans, who follow conventional financial wisdom, never achieve financial freedom by the time they reach retirement age. Convention wisdom does not work in the financial arena.

We do not blindly follow convention. We use our sophisticated proprietary software to figure out which path is best for you.  We have spent ten years developing our proprietary software and it can not be purchased anywhere.  It’s used exclusively with our ADE Students (I refer to our clients, as students)

If you are interested in eliminating some, or all, of your debt without harming your credit score and you do not have the time, energy, desire or interest in becoming the

Will ADE^® Work For Me?

Yes. Assuming you have the income to make your current minimum monthly payments to your creditors. ADE is not designed for people that have major debt problems. It is designed for the other 90 million American families that are making their payments, but are getting sick and tired of being sick and tired of their debts.  It can handle any kind of debt; business or personal; people with steady income or entrepreneurial types with varying income streams.

It works best for people with good credit, but when other tactics, such as refinancing, debt settlement/negotiations and/or other bankruptcy avoidance programs like Consumer Credit Counseling are incorporated into the ADE process, it also can help credit, or cash flow, challenged individuals. 

The bottom line is ADE can help just about anyone eliminate their debt.  You have asset managers helping you protect and grow your assets; CPAs, other tax experts, Financial Planners, Stock Brokers, and etc. If you are going to get the transmission fixed on your car, you don’t just go to any mechanic; you go to a transmission expert. Who do you have helping you with your liabilities today? Your spouse, maybe a brother in-law or another family member, but scariest of all is you banker. That’s like having the fox keep an eye on the chicken coupe. With the ADE process you have your own personal mentor guiding you through the financial maze that the bankers have created.

What Debts Qualify For ADE^®?

·         All Unsecured Debt   i.e. credit card debt, store card debt, student loans, IRS loans medical bills and etc.

·         All Secured Debt   i.e. car loans, mortgages, and etc.

·         All Business Debt – Secured and Unsecured

Who Qualifies For ADE^®?

Anyone who has debt and wants to get rid of it without harming their credit score

            No minimum or maximum amount of debt required

            You do not need to be current with your payments

People that have debt and do not want to get rid of it, are usually referred to a psychiatrist

Benefits of ADE^®: 

·         Improves your credit score.

o        Debts are paid on time

o        High Credit card balance are reduced

o        Debt to Income ratio is improved

·         Monies always stay in your checking account, under your control. You do not send monies to us or some third party company hoping and praying that they send it to your creditor on time.

·         ADE is not a new program. Started in 2002; over $50 million under management; eliminated nearly $15 million of debt for our ADE  students. It is based on tried and proven strategies and tactics that successful people clearly understand, and use.

·         Automated process. Get rid of the monthly bill payment hassle. You will never lick another stamp or stuff another envelope or go on line to pay a bill, unless you want to.

·         It’s flexible. We make the process fit your financial situation and personality. As an example, if you like licking stamps or stuffing envelope or going on line to pay a bills; you can with the ADE process

·         It’s a mentoring process. We do not sell you some software and send you off on your own; we are always working with you, and for you, until your debts are gone.

·         It’s a month to month program. No long term contract.

·         Eliminates consumer debt in less than three years and a thirty year mortgage in less than ten years.

·         Reduces your monthly payments by $100s of dollars.

·         Your average interest rate is effectively cut in half; usually to less than 4%.

·         Huge Interest Savings. Not $1000s, but $10,000s. Real money that you are now contractually, legally obligated to pay your creditors over the coming decades.

·         Your creditors are instantly reimbursing you for the cost of ADE. In essence your creditors are paying you to participate in the ADE process and you are incurring no out of pocket costs.

·         You have instant access to your own personal, private pass code protected ADE  Progress Report showing you all the positive things that are happening to your individual debts. All in one central location.

·         Saves precious time for you and your family.

If you would like more time in your life for you and your family; if you would like less stress in your life and do the things you want to do and not have to play the banker’s games; then ADE is the ultimate solution and makes it all happen for you.

Downside of ADE^®

·         If you lose your source of income, ADE^® will not work for you.

·         If you insist on spending more than your income, ADE^® will not benefit you.

·         If your budget is tight or you’re falling behind every month and you are incapable of working with us to lower your interest rates and monthly payment and/or lower your monthly expenses, then ADE^® is not for you.

·         If you love your debts, ADE^® is not for you.