Clear all debts in 12 months - Antonio Fabio Ciaccio, Elena Grillo

The authors have created a method to be taken as a model, complete, concrete and replicable, to get rid of debt legally and permanently . The method is based on a 12-month path defined and simple to put into practice, capable of showing you the right direction towards freedom from debt. As former indebted people with a debt of -€400,000, they will reveal the secret that led them to close ALL their debts on their own.

The vast majority of people in debt are afraid, they hide and run away, they don't know how to deal with the situation and they lose everything. This is why the few who react correctly and raise their heads are destined to win and not only that: they are welcomed by their own creditors.

The goal of the book is to lead the reader to take charge of his problems with money and debts from which he ran away for a long time, to manage them responsibly and with discipline. From this perspective, the authors accompany the indebted person through a journey full of challenges to discover oneself as the main cause of the problem, and the irregularities of the system as a further obstacle to overcome in order to close the debts.

To do this they also tell their personal experience thanks to which they discovered what the two pillars for success are : personal growth together with practical action.

By reading this book you will discover:

• How to reschedule your debt-free life.
• A path to rebuilding your life without debt in four seasons.
• What is the correct attitude to face and overcome a financial crisis.
• The truths about money you need to know.
• Practical methods for countering creditors' actions (including lawsuits) blow by blow.
• The fundamental importance of rebalancing the "balance of power" between you and your creditors.
• How to eradicate the real causes of your financial problems.
• How to neutralize the mistakes that can lead you to bankruptcy.
• The beliefs that today block you in the quagmire of debt.
• That it is ethical NOT to pay and what is the limit of YOUR liability.

That the banks deal with!

…and much more.

The book that your bank and finance companies would never want you to read . The book that was missing to give credit to the wrongdoings of creditors, silence unjust requests and make you see the possibility of a debt-free future.

Introduction

Part One - A new debt-free life

• 1. How in a short time our “unmanageable” debts became manageable
• 2. Questions to ask yourself before reading a debt guide (that we would ask ourselves)
• 3. Who stops you from getting out of the labyrinth of chronic debt
• 4. The 2 pillars to free you from debt
• 5. The test that reveals your chances of not having problems with creditors
• 6. A first practical action to get started
• 7. The map to clear debts in 12 months… or less
• 8. Differences between our systems and traditional ones
• 9. Because we believe you can do it too
• 10. Some testimonies
  Key points of the chapter and exercises

Second Part - The 4 seasons to free yourself from debt

First season: winter
Nature prepares the explosion of its maximum awakening in the harshest season

First quarter: preparing the ground

• 11. Starting off on the right foot: the 4 pitfalls that push you into debt
• 12. Who is truly responsible for the debts
• 13. Get rid of the 6 mental traps of those in debt
• 14. Eliminate “weeds”
• 15. A worse enemy than the fear of debt
• 16. Take stock of yourself: the tools of the trade
• 17. Why it is ethical not to pay debts
• 18. Neutralize fear and false threats from creditors
• 19. Simplify and personalize your journey
• 20. How to protect yourself from external influences of the “system”
• 21. Find clarity in a difficult moment
• 22. How creditors reason
• 23. “Debt eraser” weapon number 1: tidy up and recover the documents
• 24. “Debt eraser” weapon number 2: make a debt plan
• 25. How to create your precise and outlined operational plan
  Winter key points and exercises

Second season: spring
The incredible force of nature awakens from its moment of reflection

Second quarter: sow the soil

• 26. The beginning of a new phase: the results of change
• 27. Good habits to learn to eradicate debt
• 28. Delicious seeds for your ultimate salvation
• 29. The best time to act
• 30. The difference between those who succeed and those who fail and their priorities
• 31. Eliminate thieves of your money and financial commitments
• 32. “Debt cancellation” weapon number 3: recover money from overdrafts, mortgages, financing and leasing
• 33. “Debt canceller” weapon number 4: which debts are most at risk
• 34. How debt collection contacts work
• 35. “Debt cancellation” weapon number 5: the notification of conditional acceptance of the debt (or, better, alleged credit claimed)
• 36. Super weapon that blocks collections, injunctions, foreclosures and auction sales
• 37. “Debt canceller” weapon number 6: cancel, suspend or reduce debts with Equitalia (even if everyone considers it an invincible monster)
• 38. “Debt cancellation” weapon number 7: unpaid debts towards private companies, suppliers and users
• 39. What to do about loans with friends and relatives
• 40. Public administration payment slips: a focus
  Spring key points and exercises

Third season: summer
In summer life is at its peak

Third quarter: cultivate the soil

• 41. Communicate effectively and make a good impression on the creditor
• 42. How the warrior prepares to win
• 43. “Debt canceller” weapon number 8: closing debts for settlement and write-off
• 44. The 5 elements that allow the warrior to close the balance and write-off
• 45. “Debt cancellation” weapon number 9: irregularities in relations with creditors
• 46. ​​Usury, compound interest and financial anomalies
• 47. Guarantees on debts
• 48. Forfeiture of the benefit of the term
• 49. Privacy, persecution and stalking
• 50. Anticipate and prevent the possible risks of suffering legal action
• 51. “Debt Canceller” Weapon Number 10: Dispute, Recalculate (and Correct) Your Debts
• 52. The right time to confront a creditor
• 53. All the steps to managing debt (and how you can benefit from it)
  Fundamental points of the summer and exercises

Fourth season: autumn
The season you've been waiting for all your life: an autumn with an abundant harvest

Fourth quarter: reap the benefits

• 54. Autumn in practice: the final battle that closes all debts
• 55. Transaction as a way out
• 56. When to formulate a settlement and write-off proposal?
• 57. Bad debts: what they are and consequences
• 58. How much can you reduce debts with the settlement and write-off?
• 59. What to do if you don't have the sum for the immediate settlement (i.e. the most often underestimated alternatives)
• 60. How to make a settlement and write-off proposal in 3 phases
• 61. “Debt canceller” weapon number 11: the statute of limitations for a debt
• 62. Be canceled by the risk centers
• 63. The law on debt relief
• 64. Legal actions you can suffer and how to defend yourself (including from foreclosures)
• 65. The 3 keys to your new life
• 66. Reflections to conclude the harvest of fruits
  Autumn key points and exercises

Part Three - Life without debt is much more beautiful!

The real reason why everything will be better when you are debt free

Let's now sum up the discussion: not an unexpected conclusion

How does your journey continue now… A gift for our readers

Thanks

The authors

Important note

Biography of Elena Grillo

Elena Grillo and Antonino Fabio Ciaccio are authors of various guides and ebooks on techniques for closing debts of private individuals and companies of all kinds with any creditor. Elena, between the two is the thoughtful, rational and orderly soul with a long-term vision. Toni, volcanic, cheeky, irreverent and outspoken, is capable of finding and devising alternative paths, where they don't exist and where many would stop overcome by distrust. Two complementary personalities who also reveal themselves in the pages of their texts, managing to merge a correct attitude with decisive action. Together they are a rock soul in a kindergarten teacher's body.