• Get out of debt fast, debt elimination, debt consolidation

    THE DEBT SLAYER

    The system has failed us. It's time to take back control.

  • Time to SLAY the Demons of Debt!

  • IF there REALLY was a way to

    ELIMINATE ALL your debts,

    EVEN A MORTGAGE in as little as 5 - 7 years,

    would you want to learn more?

    Hint: This is where most people think it's "too good to be true"

    Debt Free, Credit Score, Debt Consolidation

    What this method IS:

    • A financial program PROVEN to quickly eliminate debt
    • A program PROVEN to work with or without good credit AND improves your credit in the process!
    • A program designed to work with your current income, budget and lifestyle
    • A system PROVEN to help consumers build wealth
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    What this method IS NOT:

    • This is NOT a Bi-weekly Payment Program
    • This is NOT a mortgage refinance or loan modification
    • This is NOT an increase to your minimum monthly payments
    • This is NOT a debt consolidation loan
    • This does NOT require a second job
    • This does NOT require a HELOC (it is optional)
  • Meet the DEBT SLAYER!

    Yes, she's REAL!

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    Pamela Rachil

    Pamela is a former Florida Realtor and Loan Originator. She used to think her "super powers" were helping people find their dream home and getting them approved for their mortgages. Yet as the economy changed, she saw how the many dreams of homeownership had turned into financial nightmares!

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    Costs, Expenses and Fees. Oh MY!

    Pamela witnessed these homeowner's costs continue to rise with insurance premiums, property taxes and costs of repairs, maintenance and upkeep of their homes. Families are depending on credit cards to pay for "neccessities" and getting deeper and deeper into debt.

    The added cost of having children in addition to keeping up with inflation and all the bills has created a vicious cycle of debt that is
    creating stress and robbing families of true "quality of life".

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    She Searched for a Solution

    The first is a manual method that uses a HELOC (Home Equity Line Of Credit) which is an option that requires intense user labor in creating spreadsheets to track all personal income and spending.

     

    It can work for people who are VERY disciplined and have hours of time every month to do the calculations. Or, people could pay thousands to a coach to help them through that process.

     

    The downside to using the "HELOC only" method is the risk of rising interest rates. Once the rate goes up, all the calculations have to be edited again manually. It's not a system for the faint of heart!

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    Debt Consolidation Deception

    Another method that most of her clients were already aware of is Debt Consolidation. The trouble is by the time someone looks into consolidation, their credit is already damaged. With a lower credit score, these loan companies charge higher rates, often between 18% to 29%!

     

    How is that helping anyone? Debt Consolidation doesn't really solve the problem, it just moves it from multiple interest charging accounts to one larger account with high interest.

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    Debt "Relief" Shams

    "Debt Relief" programs force people to PURPOSFULLY go delinquent on all their accounts so the agent can negotiate with creditors to have the outstanding balances reduced.
    They then negotiate a payoff amount which needs to be paid or put into a new loan.

     

    There are major problems with this:

    1. Your credit is destroyed and the delinquencies stay on credit
      reports for 7 YEARS
    2. With bad credit, you're going to be charged the highest interest possible on the consolidation loan
    3. You will not be able to get a credit card again for a number of years
    4. There is no guarantee your balances will be reduced! How's that for "relief"?
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    Refinancing RISK

    Lastly, people could simply re-finance their mortgage. Anyone who puchased a home between 2012 -2022 had the advantage of historically low mortgage rates generally 4.5% or less. Today, with rates up around 7%, refinancing doesn't make sense. But even if
    someone did refinance (possibly to consolidate their debts) when you understand how banks charge "front end interest", refinancing a mortgage is
    simply not the best solution since you have to start paying mostly interest all
    over again! You won't start building real equity until you're at the halfway point
    (15 years in a 30-yr mortgage)

  •  

    Meet the Debt-Slayer


    Pamela is a former Florida Realtor and Loan Originator. She used to think her "super powers" were helping people find their dream home and getting them approved for their mortgages. Yet as the economy changed, she saw how the many dreams of homeownership had turned into financial nightmares! Now her mission is to help people get out of debt as FAST as possible and dramatically improve their lives!

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  • There IS a BETTER WAY!

    Pamela discovered a program that has been around since 2005 specifically helping people ELIMINATE their debts! Since then, just under $2.5 BILLION in debt has been eliminated!

     

    The DEBT SLAYER and this program are CHANGING LIVES!

     

    Are YOU ready to discover your Debt Free Date?

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  • Get out of debt fast, debt elimination, debt consolidation

    Realtor Testimonial

    From 11 years left on a mortgage to PAID IN FULL in 2.6 years! Saved $18K in interest!

     

    Now sharing the program with ALL her real estate clients!

    Get out of debt fast, debt elimination, debt consolidation

    Single Mom Success!

    From 10 years of debt to debt FREEDOM in only 2 years!

    Get out of debt fast, debt elimination, debt consolidation

    LIFE CHANGING!

    Eliminated 23 YEARS of debt and

    SAVED $110,000 in Interest Payments!

     

    From DEBT to WEALTH!

    debt elimination, debt consolidation, debt forgiveness

    Eliminate Debt Fast!

    Simplify your finances and achieve your

    financial goals!

  • Get out of debt fast, debt elimination, debt consolidation

    Get Your FREE Debt Slayer Analysis Today!

    Click on the button to request your FREE Analysis!

  • FAQs

    Got Questions? We've Got Answers!

  • Join the DEBT SLAYER TEAM or

    Request a Presentation!

    Are you a former or current Realtor, Loan Originator, Insurance Agent or Financial Services provider? Do you want to help change lives and become part of the Debt Slayer team?

     

    Are you are a RE Broker or Mortgage Broker and would like to schedule a presentation to your agents, simply fill out the form below.

  • It's Time to SLAY the Demons of Debt

    You are not alone and it's not your fault that you have debt.

     

    The U.S. banking system is set up to benefit the BANKS, not the consumer.

     

    The "education" provided by financial institutions has "brainwashed" people into believing that borrowing money is a normal and necessary part of life. This has lead to people taking out more debt than they can realistically afford whether that be in mortgages, credit cards, auto loans, student loans, business loans even previous debt consolidation loans.

     

    The result is a cycle of debt that is difficult to break and as interest charges accumulate, people find themselves making minimum payments that barely make a dent in their outstanding balances.

     

    Debt is a "THIEF" that robs people of their dreams, crushes their future, destroys goals and hurts families!