IYD FAQs
You can use our ADE Needs
Analysis Debt Calculator
to enter you list of debts and find out how quickly you can get out
of debt without harming your credit score.
Click here
to use the free calculator.
Who are
you?
IYD Inc. has been in business since
1998 and is located in Austin Texas and Jeannette Pa. We are an
education company focusing on debt elimination seminars and coaching
programs. [More]
What is
the Automatic Debt E-Racer (ADE) process?
Before I tell you what
it is; let me first tell you what it is not. It's not Debt
Settlement, Debt Management, Debt Negotiation or Debt Consolidation.
It's not a consolidation loan, new mortgage or a HELOC Program or a
loan of any kind. It is a comprehensive, systematic, strategic
financial plan for improving and/or increasing cash flow and
ultimately eliminating debt. [More]
Can the ADE process eliminate mortgages too?
Yes, any and all debts. The ADE process
works on both Secured Debt (i.e. Mortgages, Student Loans or a
Vehicle Loans) and Unsecured Debt (i.e. Credit Cards, Medical
Bills, and etc.)
[More]
Is there a minimum amount of debt that I must be
in, in order to use the ADE process?
No, you can eliminate a $100 or a million dollars or more. It's
up to you, however, the best way to determine that is to accept our
no obligation, complimentary ADE financial analysis so we can see
where you are and if the ADE process will work for you.
Can the
ADE process eliminate business debt too?
Yes, it can eliminate
any debt; even our countries $16 trillion dollar national debt.
Is the ADE process like Consumer Credit
Counseling, Debt Consolidations, Negotiation or Settlement?
No, but it can be used to complement
these program. [More]
Do I
have to stop using my credit cards?
No! We do not think
debt is necessarily evil. [More]
Who determines the amount of Spend
Smart Factor, the extra money invested in your debt?
You do. [More]
What if
I cannot afford the ADE process?
The creditors pay for
the ADE process, how can you not afford it? [More]
Will
the ADE process help me get a loan?
We are not a mortgage
or finance company, we do not sell mutual funds or insurance; we are
strictly an educational company, so the direct answer is no.
However, it will help. [More]
How do
you reduce my interest rates?
We ask. [More]
If I do
not have a good credit score, how do you reduce my interest rates?
Easily. [More]
How do
the Creditors pay for the ADE process?
Reluctantly! Just
joking! Actually, the creditors love ADE . They are
getting their money on time, every month. We are so far in the
background that they don't even know we are in the picture! [More]
Can't I do this myself?
The question is not a matter of can
you do it yourself. The real question is; will you do it yourself?
It is not about discipline, everyone has some discipline. It's about
having the time, the energy, the desire and most importantly, the
focus to manage the process month in and month out for the next few
years? ADE is just like losing weight, except the ADE
process will do all the exercises for you, eat the right food for
you; but you are the one losing all the weight! Or in case of the
ADE process, you lose the debt.
[More]
Does the ADE process pay my
bills?
No, it is not a bill
payment service, but we make sure your bills are never paid late. [More]
Is the ADE process a bill payment service?
No, it is not a bill
payment service, but it does facilitate the automatic payment of
your debt. It's a service that manages ones liabilities in such a
way that their debt is eliminated for sure! Just like a financial
planner manages assets. [More]
You can use our ADE Needs
Analysis Debt Calculator
to enter you list of debts and find out how quickly you can get out
of debt without harming your credit score.
Click here
to use the free calculator.
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