FREE Resources Store About Blog Member Login

Settle Your Debt Without Hiring a Company

Learn Exactly What to Say, When to Say It, and How to Protect Your Credit

A step-by-step course taught by a professional negotiator who has helped clients reduce tens of thousands in debt and regain control of their financial future.

Enroll Now for $47
âś” No long-term contracts
âś” No phone calls required
âś” Learn at your own pace

Most People Don’t Need a Debt Settlement Company
They Need a Strategy 

Debt settlement isn’t magic.
It’s negotiation.

The problem is most people don’t know:

  • What creditors are actually willing to accept

  • What not to say on the phone

  • When to negotiate and when to wait

  • How settlement affects credit short-term vs long-term

That lack of clarity costs people thousands.

This course removes the guesswork and puts the control back where it belongs: with you.

Learn From Someone Who Actually Does This

This course is taught by J. Whitner, a real estate broker, negotiator, and credit strategist with over 20 years of experience resolving complex financial situations.

The same negotiation principles used to:

  • Reduce large unsecured debts

  • Navigate creditor conversations

  • Protect future lending opportunities

are broken down here in plain language you can actually use.

No scripts copied from the internet.
No theory.
Just real-world strategy.

 What You'll Learn Inside the Course

Module 1

Understanding Debt

  • The multifaceted nature of debt
  • The mechanisms of det collection
  • The impact of debt on individuals
Module 2

 Preparing for Negotiation

  • Setting clear negotiation goals
  • Assessing your financial situation thoroughly
  • Preparing for a favorable outcome
Module 3

The Negotiation Process

  • Following negotiation strategies
  • Navigating the negotiation process effectively
  • Working toward a mutually beneficial outcome
Module 4

Post Negotiation

  • Gaining knowledge and strategies after negotiation
  • Regaining financial stability
  • Preparing for a better economic future
Enroll Now for $47

Before You Enroll

  • Learn at your own pace
  • No long-term contracts
  • Practical, real-world guidance

Juan A. 

Working with J. Whit on credit repair and debt negotiation was a game-changer in my journey to home ownership. His expertise not only helped negotiate an astounding reduction of nearly $80,000 in debt but also empowered me with invaluable financial insights. Within just seven months of partnering with J, his strategic guidance and profound understanding of the intricacies of credit and real estate ensured I secured the best deal for my new home. J.’s unparalleled service comes highly recommended for anyone looking to navigate the complex world of credit and home purchasing with confidence and success!! Thanks for everything, J!!! 

Who This Is For

This course is for individuals who:

  • Have unsecured debt and want to understand their options

  • Are willing to follow a structured process

  • Want to handle negotiations themselves rather than hiring a company

  • Prefer education and strategy over shortcuts

Who This Is Not For

This course is not for individuals who:

  • Are looking for instant debt relief

  • Expect guaranteed outcomes

  • Are unwilling to communicate with creditors

  • Want someone else to handle the process for them

Enroll Now for $47