In 30 days, if you don’t see that you’re going to get at least $500, using these techniques, send it back for a full refund (less s&p), no questions asked. Keep the free bonus gifts just for checking out the book.

He’s also offering the follow two free bonuses when you buy Free Money:

1. DEBT CURES Book
2. “25 Easy Ways To $5,000″ Guide

It seems like a pretty good offer for only $29.95 (plus $11.95 S&H). But then again most of Trudeau’s offers sound too good to be true (and they usually aren’t true).

In my opinion, you’re probably better off using a Government grant software package to look for free money. Many of these software packages offer a very cheap free trial so you don’t have to pay $29.95+ just to see if it works. If you haven’t tried using a grant program yet, then I suggest you consider trying it now. You have very little to lose and a lot ($$$) to gain.

Click Here for a Grant Software Trial Offer

Good Luck! In these difficult financial times, we need to try all the methods that we can to try to get ahead. It’s worth your time to go check out the Government Grant software.

In the book, Trudeau writes that you need to fight back when you are in debt. You need to contact your debtors and the collection agencies to explain your financial situation to them. Be persistent and remain in contact with them until your debt is resolved, or at least until you have reached a payment plan that is acceptable. With the debt kit you have an added weapon.

Included in the debt kit are numerous letters you can send to collection agencies. They include: Offers to settle debt, a request to reduce the monthly payment, a letter to report harassing calls along with a sample complaint letter to a state attorney general’s office. If a creditor is after you, Kevin Trudeau shows you how to write a letter to request a lower interest rate, a request to suspend payments, letters to request the removal of a fee, as well as a letter to reduce payments.

Throughout Debt Cures, Trudeau repeats that it is important to clean up your credit report and to improve your credit score. His sample letter kit helps in that regard. He includes the addresses, phone numbers and websites of each of the three main credit reporting agencies. Then he provides samples letters to send to them, including the correction of information letter, a follow-up letter to make sure the work is being done, a letter of notification of identity theft. As you have the right to explain any and everything on your credit report, Trudeau provides a sample letter for adding a personal statement to your credit report. He also shows how to request a free copy of your credit report. Because it is not unusual for there to be incorrect information on your credit report there are letters available to help you correct or remove this type of misinformation.

As the Federal government has done little to help consumers, there is a sample letter that you can write your congressman. You may not give as much to their campaigns as the banks do, but you are the one who has the right to vote during each election, and it never hurts to remind your congressman of that fact.

Debt Cures provides plenty of information you can use to get out of debt and to improve your credit score. The book itself states things in general terms, the sample letter kit is by far the most practical advice that Trudeau provides. In one document is most of the help that you will need to begin digging yourself out of debt. Keep fighting the fight, stay the course and you will be able to stay out of debt.

Have you tried using any of the letters in the Debt Kit? If so, please share your experiences below.

Debt Cures is an easy book to read. You don’t need a degree from Harvard in order to understand what Trudeau is writing. He does tend to repeat himself though. The 24 chapter book could have been considerably shorter, but in Trudeau’s defense many of his ideas are worth repeating. Some, however, could have been treated more thoroughly. For instance, Trudeau writes constantly about creating wealth and getting free money. He does provide some examples, but don’t purchase this book if your only goal is to get rich quickly.

The great value of the book is the tips that Trudeau provides for getting out of debt. There are no quick ways to get out of debt, but if you work hard at Trudeau’s techniques, in time, you should be able to get out of debt and, most importantly, stay out of debt. Trudeau arms you with information about the credit industry and about how the goals of credit card companies are to attract new customers who will be late on payments and who cannot pay back what they are charged each month. According to Trudeau, the plan of credit card companies is to hit you with fees and penalties, and then, as if they are not earning enough already, they want to get further into your wallet with high interest rates. They lure you in with low introductory rates, just waiting for you to be late with a payment so they can raise your rates to 20%, 24% and even 28%.

Trudeau is not opposed to credit. In fact, he is opposed to cutting up your credit cards if you are in debt. He believes you can use credit to your benefit. First, you need to know how the credit industry works so that you can use it for your advantage. Perhaps the best information from the book involves getting your credit report. Trudeau advocates getting your credit report and cleaning it up immediately. By law, you are entitled to a free copy of your credit report each year. Trudeau tells you how to get it and what to do to fix it. Often times your credit report contains wrong information which drives down your credit score. Trudeau tells how you can get this information corrected. Remember that your credit score is vitally important. It determines the interest rate that banks charge on loans. If you follow Trudeau’s advice, you will over time improve your credit score. Once it has improved, you can go to the bank to refinance your mortgage, which could result in saving hundreds a month on your mortgage payment. That’s money you can spend to pay down other debts, or money you can use to spend on the things you want.

In addition to improving your credit report, Trudeau advises that you develop financial statements on your financial health. Create a balance sheet and an income statement. The average American has credit card debts of $8000. Trudeau tells you how to use financial statements to negotiate with the credit card companies to reduce the amount you owe and to work out a realistic payment plan. He provides sample statements, so you don’t have to be an accountant to create them. All the steps Trudeau provides are things the average person can do themselves. While it would be good to have a professional review them, it is not necessary.

When we are in a great deal of debt, the fear of receiving collection calls can be crippling. We fear answering the phone or hearing the doorbell ring because of the pressure the collection agents use against us. Trudeau provides relief for that as well. He reviews the laws collection companies must follow. Not surprisingly, collection employees skirt around the law and sometimes break them. Trudeau provides plenty of information on how to fight back against collectors. For example, by law, collection companies are not allowed to telephone you if you tell them to only correspond through the mail. Plus they are not allowed to contact you at work. You will also learn about the statute of limitations for your debt. It is possible that you no longer owe any money on an old debt.

The book is full of contact information and places to turn to for help. Trudeau talks about agencies which help you pay your monthly mortgage, how to reduce your monthly bills, and information on consumer advocacy groups in each state. The federal government provides little protection for the consumer from the credit industry, but more than 30 states have brought lawsuits against credit card companies and banks. If you have been ripped off, Debt Cures may be able to help you find someone to fight on your behalf.

Throughout Debt Cures, Kevin Trudeau places the blame for America’s debt problems on creditors. The thirst for profits has turned creditors into predators. They lie in wait for Americans to lose their jobs, or to get sick and incur high medical bills. That way, they can hit them with high fees and high interest rates. It is not your fault if you owe thousands to your credit card companies. If you are charging your visits to McDonald’s it is not your fault if you can’t pay the bill at the end of the month according to Trudeau. He never suggests that we are in debt because of our spending habits. It is only the lust for higher profits that leads to our debt problems. Trudeau says not to worry, because if you follow his steps he can get you out of debt, and you can begin to use “good” credit to begin building wealth for yourself.

While he is not always clear on how you can make money, if you have patience and follow his steps then you can at least stay out of debt and that’s good for everyone.

Trudeau says the ability to borrow is power. It used to be the banks had all the power, but you have been able to turn that around and now that power is yours. Also, learn to invest wisely. Not necessarily in stocks and real estate, but Trudeau says to invest wisely in common things. Choose your shoes and clothes wisely, invest in items that will last.

A tactic to protect your wealth is to create your own corporation. It sounds difficult but it is not according to Trudeau. He explains in Debt Cures how to create a corporation. In most states all you have to do is invest your time in filling out documents. The tax savings and legal protection may be more than you first think.

Be creative and imaginative when creating a corporation. Wouldn’t this be the best time to start your own business? You are out of debt, you have good credit, you want to live your lifestyle not someone else’s so why not become your own boss? If you have a hobby or a skill that you enjoy and are good at, why not see if you can make money at it? If you make crafts on the side, why not look into making and selling them part-time? Make sure you are filling a demand not just doing something you like. Don’t buy items cheaply that you think you can sell on EBay, without checking it out first and making sure you can sell them at a profit. Always do some research first to make sure you are doing the right thing.

One advantage to opening your own business and corporation is that it opens your world to cheaper and better credit. Trudeau says that business credit cards almost always have better terms than personal cards. Also you will start out with a good credit score as a business. Any problems with past credit won’t be looked at on your business account. It is like working with a clean slate.

When you are ready to begin your business don’t be afraid to borrow. By now you know what you need to do to stay out of debt, use them but make sure you get the money you need to be successful. If you own your own home you can secure a home equity home. You may have to find someone with good credit to co-sign a loan. Trudeau shows how you can get $10,000 or more as quickly as a day’s time. Use money to create more money.

Trudeau says successful people see a need, jump at the opportunity and fill the need, and make money doing it. You can do the same, if you have conquered your debt then you have what it takes to start and run your own business. You are a winner, step out and do it.

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Whenever you have a problem with a credit card company, you need to be consistent and call them to complain. Be persistent; don’t give up after one or two calls. If they will not give you what you want, don’t pay them anything else. Cancel your account and go to another bank. You shouldn’t switch to another bank just for the sake of switching, but in order to get the best deal for yourself that you can. Never give up.

Trudeau tells the story of someone with $8,000 in credit card debt. Working the credit card companies against each other allowed the person to cut years off of his debt while saving thousands of dollars. You don’t have to remain in debt if you take control and fight back. Use whatever leverage you can.

Being in debt is horrible, but it doesn’t have to be permanent. Take control of the situation. Debt avoidance does not equal debt riddance. Just trying to avoid your current debt will not help you get rid of it. You must attack it head on. Once you have conquered bad debt, then you will be able to begin to create wealth. And what do you want your money to be doing? Helping an executive at your bank lead a good life, or helping you doing what you want to do?

Don’t come up with excuses as to why you can’t pay your debts. Fight back and get them to reduce or waive fees. Be persistent. Never give up. They keep asking for your money. You should be asking for ways to keep it for yourself.

Don’t let fear control you. Negotiate directly with the companies. Kevin Trudeau tells a story where a couple was deep in debt. They prepared a financial statement, got together their facts and were able to reduce their balance by half. It took time and many phone calls but it worked. Remember, the companies would rather get some money than get none. If they have to call on a collection company, they will have to share what you pay with them. Work out the best deal for yourself. Take notes of each call and get them to write down the terms of any settlement. Get in control; then stay in charge. The credit card companies lose out if you go to bankruptcy court so call their bluff and get a better deal. Use these Debt Cures to win back control of your life. Is it any wonder They Don’t Want You To Know About Them?

There are three companies in the United States that create credit reports, and each of the companies is required to provide you with a copy of the report at your request once a year. Don’t worry, Trudeau provides you with the contact information for each of the companies. So getting you report is easy. Once you get your report you will need to go over it thoroughly.

There are four main areas on your report: 1.) Personal Information, 2.) Credit Information, 3.) Public Record Information, and 4.) Inquiries.

Personal information is your name, date of birth, address etc. This is very important as it is not uncommon to find someone else’s information here. Imagine seeing that someone with the same name as yours in another city has bad credit, and it’s showing up on your report. This is a quick and easy fix.

Credit information is the good, the bad, and the ugly. This will show your loan and credit history. Make sure this is accurate, if you have paid off a loan, and the report shows it is still active, you will want to get this straightened out.

Public Record information could be a legal judgment or a tax lien. Again, you want to verify that the information is accurate.

The last section is inquiries. This is the part of the report that shows who is checking you out. Each time someone checks your credit history it will show up on this report. Every credit card that you have applied for will show up on this report, and each inquiry will bring down your credit score. That’s why you should not be applying for every credit card offer in the mail or at every store in your local mall.

Your credit score will fall between 300 and 850 reports. The higher the better, if you are average or slightly below average, then the credit card companies will come after you because you are likely to get behind slightly and they make money off of you.

Trudeau lists several ways to improve your credit. The most important thing involves contacting the credit reporting companies so that you can correct any inaccuracies. This can be done on the telephone, online or by snail mail. The dispute process is free, and must be completed by the companies within 30 days. If they cannot justify the dispute you win and it will be taken off of your report. Make sure you check each of the three reports carefully, as an error may only be on one of the reports. If it is on all three reports, then you will have to open three disputes. Again, Trudeau lays it all out clearly in Debt Cures.

As Kevin Trudeau maintains throughout Debt Cures, you need to take control and be in charge of your financial life and not allow the credit card companies to run your life.