And yet, you'll get NO HELP from the government, or credit card companies, or the banks either because they make astronomical amounts of money when you are deep in DEBT. So they have no motivation to help you get debt-free.
Look below and see for yourself. In 2006, two of America's largest banks increased their revenue by 25% and a whopping 39.3% in just one year! 
Here's just a few of the startling facts they won't tell you:
FACT: A $1000.00 charge on an average credit-card will take almost 22 years to pay off, and cost you more than $2300.00 in INTEREST CHARGES -- if only the 2% minimum payments are made [Bankrate.com] …I can show you how to pay off ALL your credit cards in less than 37 ½ days, so you can pocket all those interest charges.
FACT: There is no Federal limit on the interest a credit-card company can charge. And most credit card companies are located in states with weak usury laws. [MSNBC.com] That means they can raise your rates any time they want more money. It's time you break free of these financial handcuffs
FACT: The average interest rate on a credit card is 14.6% [Bankrate.com] (That means you give an extra $15 to the bank for every $100 you spend on your credit card... each year!)
FACT: Just ONE late payment can drop your credit score up to 100 points! If your score drops even 50 points... it can mean you pay $100.00 a month extra on your mortgage. [Newsweek] (It's easy to clean up your credit so don't have to pay these fees, but the banks won't do it for you, they want you to pay more. Let me show you how so you can kiss these problems goodbye)
FACT: There is NO LIMIT on the amount of late payment fee your credit card company can charge you... even if you are only 1-hour late! [1996 Supreme Court Decision "Smiley vs. Citibank"] (This is a time-bomb waiting to explode and bury you in debt. I know how to defuse it, so you never have a late payment again)
FACT: Even if you make your credit card payments on time, the bank can raise your rates if you are late on ANY other payment elsewhere, such as your electric or cable bill. [Newsweek] (The banks and the government share all your private payment data. One little mistake can cost you big time!)
FACT: The Average per household debt in the USA is $14,500 and a typical family pays $1200 a year in interest. [Bankrate.com] (Any homeowner can eliminate this debt in less than 37 ½ days with my Un-Fair Advantage Program. Guaranteed. That's $1200 dollars a year in your pocket instead of the credit card companies) (back to top)
The reality is, the banks & credit card companies want you... no, NEED you to be in debt. It's how they make their obscene profits. There are over 20,000 different credit cards available in the United States alone. If tomorrow everyone in America paid off their balances, most of these credit card companies would go belly up and out of business.
Listen, if your credit is a mess, and you are in debt up to your eyeballs, I'm here to tell you two very important things.
The first thing you need to understand is...
It's Not Your Fault!
They don't teach this in school, hell they don't even teach it to Business Majors at Harvard or Columbia. I've known plenty of business owners who had problems with debt.
If your parents are like mine, they were struggling managing money, and more than likely your friends are struggling with debt problems of their own... so there was no way you could get any advice you could rely on.
Fact is, up till now no one has been there to show you how to get out of debt... quickly, easily, and most important... to stay out of debt permanently! Better still,
There Is A Solution To Your Debt Problems
(And The Really Good News Is... No Bankruptcy Required!)
The second important thing you need to know is there is a solution to your debt problems, and one you can get started with immediately.
Picture a life with no more stress about bills, no more money worry, and no more debt. Feels pretty good doesn't it? If you are a homeowner -- with some type of income -- I can help you get there with my Un-Fair Economic Advantage System.
Why 'Un-Fair'? Because for years only the wealthy had access to the money secrets and legal loopholes. But no more. After years of researching, I figured out how to apply the methods the wealthy used to any homeowner, giving you the same Un-Fair Advantage.
This system keeps more money in your pocket and your bank account, and less in the hands of Big Wig Bankers, High-Rate Credit Card Companies, and the Government. (back to top)
I'll take all your financial worries away and get you on the highway to financial freedom...
I guarantee it.
Here's just some of what my system will do for you:
- Eliminate all your credit card bills without filing bankruptcy (no more dread when you go to the mailbox)
- Create a legal tax shelter just like rich people use (it's not just for fat-cats anymore)
- Get rid of any second mortgage and equity loans (paying interest sucks! Get rid of it these loans now.)
- Pay off all your cars and boats (You'll own them Free and Clear instead of the bank)
- Minimize the taxes the government takes from you (Just like 'rich people' do)
- Free up to $1967.27 cash each month for you to spend or invest (I can show you how to turn this extra cash into at least 1.2 million for your retirement)
- Finally stop living paycheck-to-paycheck (No more fear of losing your house or declaring bankruptcy)
- Pay off your home within 5-10 years... maybe sooner (You'll own your single biggest asset free & clear)
- Get you up to $125,000.00 tax free (I'll bet you could have a lot of 'fun' with that much money)
- Show you how to increase your take home pay without any extra hours or overtime (Yep, extra money in your paycheck with no extra work. It's like getting a raise, without the hassle of your boss)
- Eliminate all your financial stress (And that means, better sleep, more smiles, and better love with your other half!)
And, I can help you to go from Debt, Taxes, & Worry to a stress free financial future within 37½ days (or less)! (back to top)
One more thing, this is important. This is a program you can do...
- Even if your credit is terrible!
- You are behind on your payments!
- You just filed for bankruptcy!
- You are one paycheck away from financial disaster!
...And even if you've been turned down in the past!
In fact, I'm so sure I can help you eliminate your debt, and finally enjoy a worry free financial future...I guarantee it.
My 3-Part No Risk, No Hassle Guarantee
1. If I cant' come up with a plan that will get you out of debt in 37 ½ days or less, put up to $1967.27 extra cash in your pocket... tax free, and put an end to all your financial stress... I'll treat you and your entire family to the finest steak in New York & give you $100!
2. You do NOT have to pay me a single penny, and you have NO obligation to me in any way to find out how my Unfair Advantage Program can help you and your loved ones go from debt, taxes, and worry to a stress free financial future.
3. You will be treated with dignity and respect at all times by me and my staff. I understand that most people would rather strip naked in public than reveal their financial matters to anyone. I've understand what you are going through and will make this as simple and as friendly as possible. You won't get treated like you are only a number in line at the bank
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How can I be so confident about this? Because I've already helped 11,127 other hardworking American homeowners eliminate their money problems and put them on a path to a stress free financial future.
Listen, if you are in a tight-spot with your finances, I know this can seem 'too good to be true'. Or maybe you think it won't work for your particular situation. It's okay, I hear this all the time.
And I don't want you to just take my word for it. That's why I put dozens of Case Studies on this site of how the Unfair Advantage Program has worked for other homeowners, just like you.
The only difference between them and you is, they took action. And it started with filling out my Unfair Economic Advantage Evaluation Form.
Get started now. Fill out the form and I promise you I'll contact you within 24-48 hours to show you exactly how to wipe out your debt, reduce your taxes, and have extra cash each month to save, invest, or just have some FUN.
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Sincerely,
William 'Billy' Alvaro
The Billy Alvaro Group
UMC
800 Vets Hwy.
Hauppauge, NY 11787
800-793-5015 ext. 103
P.S. It's no secret that there are a lot of scam artists, sleaze bags, & crooks out there who just want to steal your money. I encourage you to check up on me, I've got nothing to hide. Here are some of the ways you can convince yourself I'm on the level.
1. Call or email the National Association For Responsible Loan Officers (www.Narlo.com) at 850-222-6000 and ask about me right now. I'm A-Okay with them. Just call and ask. Tell em you're checking up on Billy Alvaro. I'm a member in good standing and have zero complaints. You can also read an article by me here http://www.Narlo.com/1056.
2. I'm a former police officer from the town of South Hampton Village NY I worked there in 1991.Click here to see my Graduation Certificate
3. I've been featured in the Long Island News and in INC. Magazine. I'll be glad to mail or fax you a copy of these articles, or you can read them in the "Who's Billy" section here on this website.
4. Want to talk with some of my former clients? Just ask and I'll put you in touch. Good luck finding any bank or credit card company that will do this for you.
P.P.S. One thing in life is certain... If you continue to do the same things, you'll get the same results! If you haven't been able to solve your debt problems, do yourself a favor and fill out the form. In less than 48 hours, I'll show you what works.
P.P.P.S Remember... the Unfair Advantage Economic Evaluation is FREE! You pay nothing and you have no obligation what so ever. If you don't want me to wipe out your debt and put more money in your pocket each month... just say "No thanks Billy" and there will be no hard feelings.
You have everything to gain and nothing to lose by taking the evaluation. Fill out the form and find out for yourself.
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