I was in a world of seclusion, as I avoided all phone calls at both work and home, continually screening them to avoid speaking to the collectors, knowing I didn't have anything left to offer them. You lifted the world off my shoulders by doing what seemed impossible, negotiating a reasonable settlement simultaneously with each of my nine creditors.

As you know, my financial avalanche started when I lost over $60,000 by falling victim to an investment fraud scheme, with no hope of recovering any of my losses. I had obtained most of the money that I had invested by withdrawing large cash sums from my multiple credit card accounts. Prior to this, I had made all of my credit card payments on time and with no problems, as I had a perfect credit score, and was able to get large amounts of cash without a problem, all at relatively low introductory interest rates.

It soon became apparent that I was in trouble when my investment dividends dried up, and I was left to pay my large credit balances personally. Unfortunately, I soon began relying on cash withdrawals from other credit accounts to make payments on my delinquent accounts. I began to fall into a death-spiral of ever increasing debt load, late fees, over-limit fees, and incrementally increasing interest rates. After about a year and a half, my $60,000 debt load had mushroomed to over $93,000 dollars, and I began seeking bankruptcy advice from two different attorneys. Both attorneys advised me that bankruptcy was the best option to resolve my debt issues and that settling with my creditors would be extremely difficult due to the large number of creditors and problems with getting them all to simultaneously agree on a settlement. I wanted to avoid bankruptcy if at all possible and was desperately seeking other options to no avail, until I met you.

My financial destiny changed that day, as you offered me hope that a resolution with my creditors could be found, a path that my attorneys said was not practical or even possible. The settlement agreement you obtained for me allowed me to resolve my debt issues for approximately $30,000 (less than 1/3 the amount due) and avoid bankruptcy, a win-win deal for both myself and my creditors.

I thank you again for making such a positive contribution to my life. I invite you to give copies of this letter to others who may be in desperate need of financial assistance. If I can be of any assistance to you or your clients, please give me a call.

Sincerely,
Richard L.

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Thank you so much for all your help. We were about to give up. We are honest hard working people and never intended for all this to happen.

Thanks again!

Nita

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I wanted to say thank you for your help and advice concerning my debt problems. I was finally able to make a deal on my own with the collector that I could live with. It's all been taken care of so I won't need your services but thank you again for your straight forward advice.

William

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The Tom Martino Show has asked me to go on in the first hour so that I can thank you two for your help. Sadly, they concentrated on a question they had helped me with about Continental Airlines. The show and the phone made the situation confusing and I was not able to thank you two while on the air. I wrote Tom back reemphasizing my thanks to you two and what a valuable contribution you were to his team.

While our business situation eventually solved itself for the most part, I was at the end of my rope when I spoke to both of you, and you were both so kind to take your valuable time to speak with me. While we are not yet in the "light at the end of the tunnel", I think we can at least see it. These are troubled times for small business owners like myself and I was ashamed that my MBA couldn't protect me from scams. I was so very impressed at the time and care you offered me relating to my fears and concerns and I walked away with a fresh perspective and a new confidence from both information and support.

I sincerely hope that I could help either of you if you ever needed it. I will let you know how things are going.

Most Sincerely,
Marnie

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Just wanted say thanks for all your work. I'm looking forward to putting this behind me. Thanks again for all your help.

Also, I will spread your name with people that I may come in contact with regarding financial difficulties. Take care and please keep up the good work, there are people out there needing your assistance.

Joe

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I spoke to you earlier this summer about our financial situation. While the immediate emergency passed in that we sold a large piece of property that was plaguing us, we now have about $100K in unsecured cc debt. You were so helpful to me and I followed to the letter every piece of advice about eliminating secured debt, how much asset base to leave in our house and now I need to speak to you about what to do with our cc debt. You were so wonderful to talk to and I only wish my husband could have listened to our conversation. If you have a chance again I would love to speak with you about a game plan because I feel that we are now in a position to work with you.

Thank you in advance for your time.
MHP

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Thank you for your reply. Your honesty is refreshing.  I made the mistake of contacting a company that specializes in negotiating down debt for people, and they advised me to go delinquent so they could "negotiate a settlement on my behalf" and pay them instead. I'm sure plenty of people are so emotionally desperate that they fall for this option.

I would greatly appreciate talking to you, I'll try to call you when I can.

With gratitude,
Diane

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I had a problem with a debt collector that was threatening... I thought of your (Tom Martino) referral list, and found Debt Relief A La Carte. What a lifesaver Jared Strauss was to me just via phone conversation. In a three way conversation with Nationwide Credit he was able to solve my problem. He was a godsend. I want to thank you for the referral, and to very much thank him.

Mrs. Janet

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Thank you very much for your assistance. We would certainly recommend you to anyone, based on our experience with you and your business. Thank you.

Sincerely,
Hope and Tom

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I am scared to death, and also feeling very positive at the same time! (Actually, since this week, the positive is definitely outweighing the negative!!) You've beena great help, and a great comfort to us!

Thanks much for keeping in contact!!!!

Christine

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Thank you for everything you've done to help us! We're both so relieved to have this past us. It's like a dream come true!

Monica

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I would like to thank you for the exceptional service that you have provided me. Before I was referred to you, I was deep in debt because of a family crisis and I did not know what to do. I did not want to file for bankruptcy because prior to this, I had been good at paying my bills on time. You were very thorough explaining to me what service you provide your clients. I did not feel pressured to sign up with your office.

Upon signing all the required documentation, you immediately started working on all my creditors, writing correspondence and making the necessary phone calls. The escrow officer informed you that time is of the essence, and we needed to get the settlement costs in three days. I had 9 creditors that you had to work with in 3 days and you got the settlement letters from each creditor. I am truly impressed when you even went the extra mile by helping resolve the 2 other creditors that still showed on my credit report. 

Jared, you are truly a heaven sent. I would definitely recommend you to everyone and anyone I know who need assistance in settling their debts. We definitely need more people like you, providing such understanding and excellent customer service to their clients.

Sincerely,
Maria L.

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Thanks so much for your hard work on getting those to 35% that will help greatly.

Thanks again for all your help in getting this matter resolved so quickly.

Thanks
Lee

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I really appreciate all that you have done. Your service was outstanding. Please do not take this the wrong way, but I hope to never use your service again, but would do so and would recommend you to everyone.

Thank you so much,
Freda

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Thanks again for all of your help. You have lifted a huge weight from my shoulders and I sincerely appreciate your talent and negotiating skills. Have a happy holiday season!

Lisa

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Thank you for all of your hard work on this settlement and for your patience with me during the process.

Thanks,
Kyle

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I want to thank you for your extraordinary help these last several months in guiding me through the intricacies of settling my numerous debts. There is no conceivable way I could have done this without you. Your negotiating skills were outstanding and your broad range of knowledge of the loan industry were incalculable in resolving every account satisfactorily and with a huge savings to me. You not only arranged the payments, but assisted me is finding the means to make those payments.

In addition to your obvious professional expertise, I was impressed by the personal qualities you brought to our association. Virtually all phone calls over the extended time we worked together were returned promptly. I always felt I was free to speak as long as I wished, and I am afraid I often did just that. Your patience with my many questions and your courtesy to everyone involved was exemplary. Most important, was your honesty and integrity. 

Your method of payment was not only fair, but because it was tied to performance, was risk free to me. I think your finest hour was when you advised me to take action that would ultimately reduce your compensation. You proved that your loyalty was to me, your client, rather than your self-interest. 

You were definitely the light at the end of my tunnel and I shall always be grateful. Thank you again.

Doug

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I did some settlements with you several years ago. I was wondering if you do settlements with the IRS. If you do not, do you know someone that you would recommend that does a good as job as you do?

Please let me know.

Thanks,
Dale

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Thank you, again, for your expertise. Do take care, and again, thank you.

Cat

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I really do appreciate all your help. These were my 2 big ones and I'm glad to have them settled.

Thanks again!

Sheila

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Thank you so much for all your work & dedication in getting our debt so low! We appreciate your professionalism and friendliness and making everything so clear to us.

You made a bad time much easier, it was a pleasure working with you!
Thank you so much!

Pam and Tony