All About ZipDebt.com

Company Name



Charles J. Phelan

Physical Street Address

1835 S Centre City Parkway Suite A-507
Escondido, CA 92025

Contact Information

Charles J. Phelan
Toll-free 866-515-2360



Description of Services Provided

Since 2004, ZipDebt.com has offered Charles Phelan’s Do-It-Yourself Debt Negotiation Training & Coaching Program™. Clients receive the EXPERT COACHING needed to achieve professional results WITHOUT the huge fees traditionally charged by third-party debt settlement firms. Our program gives you all the tools you need to be successful at negotiating your own settlements.

Training Course– First you’ll receive the Debt Settlement Success Seminar™, a comprehensive 8-hour audio-CD course, including forms, letters, and workbook. As a debt negotiation pioneer and the former executive of a large settlement company, Charles Phelan shows you all the insider tips and tricks needed to achieve successful results at a fraction of the usual cost.

Strategy Session – After listening to the audio seminar, you’ll schedule a one-on-one telephone consultation to discuss your situation and help you tailor the debt settlement approach to your specific financial circumstances.

NEW “Top Secret” MEMBER AREA! The ZipDebt Member Area is a “Top Secret” section of the website that reveals what settlement percentages the major credit card banks have recently been accepting. It also includes advice on how to frame your starting offers, when to start your haggling, and other “nuts and bolts” information needed to successfully achieve great settlements.

Private Coaching by Email or Telephone – On the Premium Program, you may email or telephone for advice any time within 12 months of purchase (renewable in 6-month increments.) On the Enhanced Program, you may email for advice any time within 6 months of purchase (renewable in 6-month increments). On either program, you will promptly receive thorough answers to any questions that may arise as you negotiate your way toward debt-freedom.

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Document Review – Have a question about a collection notice? Fax it over and we’ll reply with our professional evaluation. Not sure if a settlement letter is acceptable? We’ve seen thousands of them. Fax it to over and we’ll give you a thumbs-up or thumbs-down.

What Makes Us Special

We invented the “DIY with a coach” method of debt settlement, and many others have since tried to copy it without our success. the reason we are successful with this coaching approach where others are not is simple — we take the time to give personal attention to our clients. In order to properly coach people, you must have a clear understanding of their circumstances and provide answers tailored to that client. Competing firms often take a “cookie cutter” approach and provide pat answers to client questions while they are going through the process. We believe that just providing a website or a book or tape will NOT substitute for the guidance you will receive from a personal coach who takes the time to fully asses your situation before providing advice.

Our track record speaks for itself.

Our Philosophy in Assisting People

The ZipDebt “Prime Directive” is based on a very simple principle – the consumer’s best interests ALWAYS take first priority over the bottom line. Our prime directive is to HELP consumers with their debt issues, even if that means *leaving money on the table*. From our perspective, if you enroll someone in a 48-month debt settlement program that you know is doomed to fail, just so you can make a buck, that means you are a dishonest crook, period. When we do a consultation with someone, we tell the truth. It’s really that simple. If we don’t think settlement will work in your situation, we will tell you that, straight up, even if it costs us a sale or a refund later on. If we think you need to go see a bankruptcy attorney, we will tell you that. On the other hand, if we think you should use debt roll-up instead, where you pay back your balances in full, we will tell you that as well. People are frequently ast onished that we never push to “make the sale” or “close” them on our service. So the ZipDebt Prime Directive is really nothing more than simple honesty and personal integrity. Yet by conducting business in this fashion, it sets us apart from more than 99% of the people operating in this industry.

Do You Have a Question You'd Like Help With? Contact Debt Coach Damon Day. Click here to reach Damon.
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The full blog post discussing our operating philosophy is located here.

Fee Schedule

Basic Program – $197 (Training course + one telephone strategy session)

Enhanced Program – $397 (Training course, strategy phone session, + 6 months of email coaching and document review)

Premium Program – $777 (Training course, strategy session, + 12 months of phone/email coaching and document review)

Premium + Business Program – $1,197 (Training course, strategy session, + 12 months of phone/email coaching, document review, and business analysis/guidance)

Client Satisfaction Policy

We offer this program with an ironclad 365-day money back guarantee. If at any time within 12 months from date of purchase, you are not satisfied with our program or advice, you may return the kit for a full refund (less the initial $15 shipping charge).

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The information contained on this page was provided by the company itself as a way to introduce themselves to the public. It has not been independently verified.

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Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
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