A Word From Dave Ireland about ADE
the Automatic Debt
How would you like to cut
your effective interest rates in half
and reduce your monthly payments?
Dramatically for some and...
Harming Your Credit Score!
What is the
Automatic Debt E-Racer
Process ----- ADE?
It is a comprehensive,
systematic, strategic financial plan for improving and/or
increasing cash flow and ultimately paying down and eliminating all your debt
without harming your credit
To learn More
The Essence of the
It's a coaching, mentoring process
The process will rapidly pay down and eliminate all your debts
without harming your credit score
with your current income; no second job, no living like a
hermit in the Himalayas
uses a mathematical solution; does not require refinancing,
expensive balance transfers, negotiating with creditors, or even
speaking with a banker
it is not software that you buy; you have your own personal
mentor to work with you, and for you; guiding you through the crazy debt
maze that the bankers have created for the American consumer
it is not a Bill Payment Service Program;
monies always stays in your
checking account totally under your control
F) it is
administered by IYD, Inc., the "Invest In Your Debt" educational
company with a
BBB A+ Rating and ZERO Complaints
It starts with analyzing
spending habits, focusing on reducing interest rates, and monthly
payments and then follows a very precise mathematical process to
rapidly eliminate debts all your debts, without harming your
credit score; using significantly less of your money than the
bankers' plan and usually eliminating the debt in one third the
For example, our mathematical
process will eliminate all your consumer debt; credit cards, car
loans, student loans, IRS debt, medical bills, and etc., in about
1 to 3 years; and then if you continue to follow our Linear Math,
Critical Path methodology, you can pay off a 30 year mortgage in
another 4 to 5 years. You can do all this with the money you have
today, no second job, no living like a hermit in the Himalayas and
without harming your credit score.
ADE is the
most effective Debt Elimination strategy available in the
marketplace today, primary because it gets rid of all your debts
rapidly, saving you tens of thousands in interest cost and does
not harm your credit score.
How Does ADE Work?
ADE is a
service offered by IYD Inc., the Invest in Your Debt educational
company that has been teaching people how to rapidly eliminate all
their debts. It was founded by award winning author and
professional speaker, Dave Ireland, in 1998. Its mission is to
eliminate all the debt on Planet Earth. IYD Inc. has an A+
Better Business Bureau rating and has never had a BBB complaint.
ADE is not Debt Settlement, Debt Management,
or Debt Consolidation. It's not a consolidation
loan, new mortgage or a HELOC Program or a loan of any kind. ADE
is a coaching, mentoring process that guides the consumer through
the financial maze that the bankers have created. It is based on
mathematical formulas that do not require any interaction
(negotiations) with your creditors.
The first step is to do an on
line ADE Needs Analysis to determine if you qualify for ADE.
This can be easily done by going to our free
ADE Net Worth Calculator enter your list of
debts into the Calculator and instantly receive a free complementary1500 word
ADE Needs Analysis Report.
Next, if you qualify, we work
together to develop a debt elimination financial plan tailored to
your specific situation. Then, we work with you, and for you, to
implement this plan in such a way it assures you will easily and safely incease your Net Worth by lowering your interest rates, reducing your monthly payments and rapidly
eliminating all your debts. Our mathematical process insures that
your debts are prioritized in such a manner that it optimizes your
success and not your creditor's bank account.
Conventional wisdom says that
you should pay off the debts with the highest interest rate first
or the smallest balance first. However, if you have as few as 7
debts, there are 5040 different ways one can prioritize these
debts. Conventional wisdom only looks at two of these. I can
assure you that out of the remaining possible combinations and
permutation, there is a high probability that one or more of the
remaining 5038 will be better then conventional wisdom. Government
studies show that 96% of Americans, who follow conventional
financial wisdom, never achieve financial freedom by the time they
reach retirement age. Convention wisdom does not work in the
We do not blindly follow
convention. We use our sophisticated proprietary software to
figure out which path is best for you. We have spent ten years
developing our proprietary software and it can not be purchased
anywhere. It's used exclusively with our ADE
Students (I refer to our clients, as students)
If you are interested in
eliminating some, or all, of your debt without harming your credit
score and you do not have the time, energy, desire or interest in
becoming the next Wall Street Wizard of debt elimination, then ADE
is exactly what you are looking for. If you have more important
things to do with your time, than chase the silly games the
bankers are playing with the American consumer, then you need to
check out the ADE process and have a real
expert working in your corner for you, and only you.
Will ADE Work For Me?
Yes. Assuming you have the
income to make your current minimum monthly payments to your
creditors. ADE is not designed for people that have
major debt problems. It is designed for the other 90 million
American families that are making their payments, but are getting
sick and tired of being sick and tired of their debts. It can
handle any kind of debt; business or personal; people with steady
income or entrepreneurial types with varying income streams.
It works best for people with
good credit, but when other tactics, such as refinancing, debt
settlement/negotiations and/or other bankruptcy avoidance programs
like Consumer Credit Counseling are incorporated into the ADE
process, it also can help credit, or cash flow, challenged
The bottom line is ADE
can help just about anyone eliminate their debt.
You have asset managers helping
you protect and grow your assets; CPAs, other tax experts,
Financial Planners, Stock Brokers, and etc. If you are going to
get the transmission fixed on your car, you don't just go to any
mechanic; you go to a transmission expert. Who do you have helping
you with your liabilities today? Your spouse, maybe a brother
in-law or another family member, but scariest of all is you
banker. Th's like having the fox keep an eye on the chicken
coupe. With the ADE process you have your own personal
expert mentor guiding you through the crazy financial maze that the
bankers have created.
What Debts Qualify for ADE
Debt i.e. credit card debt, store card debt, student loans, IRS
loans medical bills and etc.
Debt i.e. car loans, mortgages, and etc.
Debt Secured and Unsecured
Who Qualifies For ADE?
Anyone who has debt and wants
to get rid of it without harming their credit score
No minimum or maximum
amount of debt required
You do not need to be
current with your payments
People that have debt and do
not want to get rid of it, are usually referred to a psychiatrist
Benefits of ADE:
Debts are paid on
High Credit card
balance are reduced
Debt to Income
ratio is improved
stay in your checking account, under your control.
You do not send monies to us or some third party company hoping
and praying that they send it to your creditor on time.
is not a new program. Started in 2002; over $50 million under
management; eliminated nearly $15 million of debt for our ADE
students. It is based on tried and proven strategies and tactics
that successful people clearly understand, and use.
process. Get rid of the monthly bill payment hassle. You will
never lick another stamp, stuff another envelope or go on line to
pay a bill, unless you want to.
make the process fit your financial situation and personality. As
an example, if you like licking stamps or stuffing envelope or
going on line to pay bills; you can still do it this way with the
It's a mentoring
process. We do not sell you some software and send you off on your
own; we are always working with you, and for you, until your debts
It's a month
to month program. No long term contract.
consumer debt in less than three years and a thirty year mortgage
in less than ten years.
by $100s of dollars.
interest rate is effectively cut in half;
usually to less than 4%.
not $1000s, but $10,000s. Real money that you are now
contractually, legally obligated to pay your creditors over the
creditors are instantly reimbursing you for the cost of ADE.
In essence your
creditors are paying you to participate in the ADE
process and you are incurring no out of pocket costs.
You have instant
access to your own personal, private pass code protected ADE�
Progress Report showing you all the positive things that are
happening to your individual debts. All in one central location.
time for you and your family.
If you would like more time in
your life for yourself and your family; if you would like less
stress in your life and do the things you want to do and not have
to play the banker's silly games, then ADE
is the ultimate solution and makes it all happen for you.
You can use our new
ADE Net Worth Calculator
to enter you list of debts and find out how quickly you can get
out of debt without harming your credit score. If you are
interested in using our new
ADE Net Worth Calculator...
to use the free calculator.
Click below to find out...
Why ADE is so Effective?
There's no cost. No obligation.
And no commitment when you do so.
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will not sell or rent your information to anyone.