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"Discover how your New York neighbors benefitted from
using the Un-Fair Advantage Economic System."
Read these case studies, and chances are you'll find homeowners and families that were once had a money needs just like yours. In some cases being overwhelmed by debt, some living paycheck-to- paycheck, others needed money to buy a house or a cash injection for their business.
In these case studies you'll discover:
- How a union worker with $97,627 of debt, had it all wiped clean in a matter of days AND had an extra $912 each month to spend on his family.
- How a police officer nearly left his job and city because he thought he could never afford a house, was able to buy his dream home in less than 3 months and actually had more money in his paycheck each month for the same amount of hours worked.
- How A family carpet cleaning business was nearly wiped out by $60,000 in debt due to a medical crisis, had their debt erased and put an extra $1,416 a month into their savings account.
You'll see the exact numbers in each case study and how the Un-Fair Economic Advantage System helped them wipe out debts, lower taxes, and get extra cash, sometimes in as little as 10 days.
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Case Study #1: Anthony & Tabitha Mattina
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Self Employed
Patchogue, New York
Problem: Stuck with a high payment - high interest rate mortgage after being misled by a mortgage banker. The high payments were too much to handle which resulted in late payments. This badly damaged their credit and they had ZERO savings since they had to use it all to help make payments.
Solution: An assessment revealed their #1 asset (their home) could be used to pay off the debt. The credit repair system was used to improve their credit scores by 30 points, and a new lower interest mortgage was found to get them out of the high rate mortgage. Lastly the Middle Class Tax Shelter was applied to give an additional yearly savings in taxes of $2817.42.
Net Monthly Savings = $302.00
Note: Later, using the net savings and improved credit scores, they were able to buy a second home, while keeping the first as an investment property.
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BEFORE
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AFTER
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1st Mortgage
2nd Mortgage
Credit Cards
Car
Total |
$1628
$512
$652
$515
$3307
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1st Mortgage
2nd Mortgage
Credit Cards
Car
Total |
$2490
$0
$0
$515
$3005
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 Additional yearly tax write off of $6,178- Increased credit score by 30 points
- Decreased anxiety and worry about bills
- Constructed mortgage to be paid off in full in 17 years 2 months vs 19 years they previously had
$302.00 = NET MONTHLY SAVINGS
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 Anthony, Tabitha
& Emily Matina
Patchogue New York
Self employed Contractor
“Misled by a Mortgage Banker… Billy held our hand and
saved us over $302.00 a month”
Working with an Expert is the smartest thing we ever did. Billy held our hand and saved us over $302.00 a month and got us out from under a high rate that we were stuck with after we were mislead by a mortgage banker.
We used Billy on 2 occasions and the second one was to get us into our dream home while keeping our other house as an investment. He has assisted us with cleaning up our credit and has advised me with my construction company.
If you’re looking to become financially stress Free you need to consult with an expert and the only expert on my speed dial is Billy Alvaro.
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Case Study #2: Tom & Joan Syron
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Retired Suffolk Police Officer
Holtsville, New York
Problem: Retired on a fixed pension, they were having problems with credit card and other debts.
Solution: Their Economic Evaluation revealed a huge amount of equity in their home. Credit repair was implemented and a lower interest rate mortgage was found. All debts were paid off, and an extra $45,000 tax free cash was put into savings.
Net Monthly Savings = $1,164.04
Extra Cash Provided = $45,000.00 (tax free)
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BEFORE
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AFTER
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1st Mortgage
2nd Mortgage
Credit Card 1
Credit Card 2
Credit Card 3
Credit Card 4
Car
Total |
$1730.81
$ 428.77
$256.04
$417.28
$302.22
$175.65
$375
$3,685.77
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1st Mortgage
2nd Mortgage
Credit Card 1
Credit Card 2
Credit Card 3
Credit Card 4
Car
Total |
$2521.73
$0
$0
$0
$0
$0
$0
$2,521.73
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 Received the title to their now free and clear car- Used $45k for vacation and investment account
- Zero stress and 1 low monthly payment
- Home will be paid off in 13 years 2 months vs 28 years they previously had
$45,000.00 = Tax Free Cash
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Tom & Joan Syron
Retired Suffolk Police Officer
Holtsville New York “Within 10 days we saved $1164.04 a month
and paid off all of our credit cards”
Within 10 days Billy turned our financial lives right side up. He paid off all of our credit cards, saved us $1164.04 a month, and got us 45k TAX FREE cash back. Not only was he able to save us money each month he also reduced our interest rate by 1½ points lower than the old one. Thanks so much!
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Case Study #3: Gary & Nicole Fleischer
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Carpet & Flooring Business
Lake Grove, New York
Problem: A medical injury (broken leg) resulted in the loss of one income and close to $60,000 in credit card debt. They were left with one income, no medical insurance, and an ever growing pile of medical bills. To make matters worse, a fast talking mortgage broker tried to stick them with an adjustable rate mortgage which would only add more high payments to their debt problem.
Solution: Luckily they still had good credit, so it was easy to use their equity to provide the cash to pay off all their credit card debts. A net savings of $1467.67 each month. Then a long term financial plan was created specially for them to pay off their home years early and retire with over 1.2 million in savings.
Net Monthly Savings = $1,467.67
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BEFORE
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AFTER
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1st Mortgage
2nd Mortgage
Credit Card1
Credit Card 2
Credit Card 3
Credit Card 4
Credit Card 5
Credit Card 6
Sears
Medical expenses
Car
Total
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$2987.31
$671
$267
$278
$361
$252
$260
$119
$176
$514
$423
$6313.31
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1st Mortgage
2nd Mortgage
Credit Card1
Credit Card 2
Credit Card 3
Credit Card 4
Credit Card 5
Credit Card 6
Sears
Medical expenses
Car
Total |
$3903.64
$0
$0
$0
$0
$0
$0
$0
$0
$514
$428
$4,845,64
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 Found an additional $6717 in annual tax benefits- Decreased monthly expenses by an additional $267 in additional to the monthly debt savings
- Created a retirement nest egg forecasted Future value of $781,000
- Created plan to own the home free and clear with zero mortgages payments in 11 years
$1,467.67 = NET MONTHLY SAVINGS
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Gary, Nicole & Jessie Fleischer
Lake Grove, New York
Carpet and Floor Business“Medical injury almost wiped us out - Until Billy Alvaro gave us a solid financial plan to help us save $1467.67 a month today”
We racked up close to $60 grand in credit card bills when I suffered a broken leg – we had only one income coming in, no insurance and a ton of bills.
Desperate, we reached out to a Mortgage guy and all he did was pressure us into signing a deal. There was no consulting and he brought no plan to the table and tried to stick us with an adjustable rate mortgage.
We were receiving letters in the mail from this advisor, Billy Alvaro, so we finally called and were glad we did. Billy consulted with us and gave us a solid financial plan to help us save $1467.67 a month today, as well as set us up for a secure financial future.
These days we’re saving for the future and on the right financial track… We have consulted with Billy three times and have referred all of our friends and family to him.
Thanks Billy!
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Case Study #4: Mike & Kerri Trotta
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Town Worker & Day Care Owner
Farmingville, New York
Problem: They needed a $90,000 dollar loan, and they needed it fast. Every bank in town turned them down
for a fast loan.
Solution: Their Economic Evaluation showed more than enough value in their home to use as
collateral for a loan. Within seven days they had their $90,000 loan, and as a bonus it was TAX FREE.
Extra Cash Provided = $90,000.00 (Tax Free!)
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BEFORE
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AFTER
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1st Mortgage
Cash On hand
Total |
$953.62
$0
$953.62
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1st Mortgage
Cash On hand
Time to Receive 90k Cash… |
$1,346.30
$90,000 tax free
7 Days!
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 Outcome.. Designed a wealth building plan where Mike and Kerri will retire with an additional 1.6 million dollars more in real estate assets- Used hidden opportunities to reduce their current mortgage from 30 years to 17
$90,000 = Extra Cash Provided
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Mike & Kerri Trotta
with daughter Lindsey
Farmingville NY 11738
Town Worker & Day Care Owner “Billy was able to get me $90,000 Tax Free in just 7 days”
Billy Alvaro Changed My Life.
He was able to get me $90,000 tax free is just 7 days. When every other bank in town turned me down for a fast loan he pulled through. Not only that he also did exactly what he said he was going to do.
If you're like me you’ve probably been burned by someone before, well when you work with Billy you will be pleasantly surprised. He is one of the rare few that has integrity and high level of trust and respect for you. He is a real expert who actually cares, and he won’t blow smoke if you know what I’m saying.
If I were you reading this I would pick up the phone and call him. You have nothing to lose. He’s even the only person that I have found to actually GUARANTEE his services.
Thanks For all your help!
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Case Study #5: Charlie & René Prime
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Union Foreman Local 28
Port Jeff, New York
Problem: They were drowning in debt and working overtime PLUS a second job trying to pay off the $97,627.59 in credit card debt they had. But they were barely keeping up with the interest payments and had little left over to live on. They had been convinced by a loan officer to take on a high rate second mortgage, and they had to deal with 14 different debt payments each month.
Solution: Using the Debt Free By Design™ process, every penny of their outstanding debt was wiped out, including the high rate second mortgage. The net savings to them will be over $11,000 each year and they only have ONE low payment each month vs fourteen.
Net Monthly Savings = $912.30
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BEFORE
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AFTER
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1st Mortgage
2nd Mortgage
Credit Card 1
Credit Card 2
Credit Card 3
Credit Card 4
Credit Card 5
Credit Card 6
Credit Card 7
Credit Card 8
Credit Card 9
Credit Card 10
Credit Card 11
Credit Card 12
Total |
$1652.78
$504
$267
$278
$361
$252
$160
$119
$89
$67
$81
$65
$56
$62
$4013.78
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1st Mortgage
2nd Mortgage
Credit Card 1
Credit Card 2
Credit Card 3
Credit Card 4
Credit Card 5
Credit Card 6
Credit Card 7
Credit Card 8
Credit Card 9
Credit Card 10
Credit Card 11
Credit Card 12
Total |
$3101.38
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$3101.46
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 Designed wealth building plan that included an additional retirement account nest egg of $671,000- Created a tax advantage of $6719 annually
- Reduced the term of their mortgage to 21 years instead of 30 giving them peace of mind when they retire
$912.30 = NET MONTHLY SAVINGS
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Charlie & René Prime with Billy Alvaro
Union Foreman Worker local 28
Thames Road Port Jeff NY 11776“Billy got $97,627.59 of debt wiped out
and get this, Billy saved us $912.30 a month”
We were up to our eyeballs in debt. Having to work overtime and a second job just to make ends meet, then I met Billy Alvaro.
At first I didn’t know if Billy could help us but gave him a chance anyhow and we’re glad we did!
Billy got $97,627.59 of debt wiped out including our High Rate Adjustable Second Mortgage that our last Loan officer scammed us into taking. Get this, Billy saved us $912.30 A MONTH… That’s $11,000 of extra spendable - investable income in my pocket every single Year, and we have to make only one payment a month not the 14 we use to have.
Now life is better than ever. No more stress - no more debt and no more having to work overtime just to make ends meet. Plus Billy gave us a solid plan for investing and growing REAL Wealth, He even showed us how to clean up our credit.
We don’t know how he did it but glad he did.
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Case Study #6: Anthony Barbarise
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Appraiser
Center Reach, New York
Problem: A divorce nearly wiped him out financially, so he began using his credit cards to meet living expenses. His debts rapidly spiraled out of control, his credit rating went down the toilet, and he was constantly being harassed by bill collectors. The final straw was when he was facing foreclosure on his house.
Solution: Anthony needed every part of the Un-Fair Advantage System, including debt elimination, tax minimization, credit repair, and a financial plan to build wealth. All collection agencies calls were stopped immediately, and all his debts were paid off by day 36. Next his high rate adjustable mortgage was replaced by a much lower rate fixed mortgage, solving the foreclosure problem. Then the Credit Repair system was implemented to fix his credit scores. Finally a long term plan to build over $500,000 in wealth was designed for him.
Net Monthly Savings = $829.00
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BEFORE
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AFTER
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1st Mortgage
2nd Mortgage
Credit Card 1
Credit Card 2
Credit Card 3
Credit Card 4
Total |
$1956.87
$256
$316
$96
$172
$64
$2,860.87
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1st Mortgage
2nd Mortgage
Credit Card 1
Credit Card 2
Credit Card 3
Credit Card 4
Total |
$2,031.87
$0
$0
$0
$0
$0
$2.031.87
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 Saved home from foreclosure- Annual tax savings… $3678
- Saved Anthony $156,000 of his equity from being foreclosed on
- Created a wealth building plan that included an automatic nest egg at age 67 of $781,699
- Reduced his living expenses by $178 a month on top of the $829 in monthly debt savings
$829.00 = NET MONTHLY SAVINGS
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Anthony Barbarise
Centereach New York
Occupation: Appraiser“In just 36 days he eliminated my debts -
A total of $829 dollars a month”
As a divorced father of two it’s rough trying to make ends meet.
After the divorce things got real hard financially. I was using my credit cards to cover my living expenses. My credit was shot and the collection companies wouldn’t stop harassing me.
Finally I had enough when the mortgage company was threatening to foreclose on my house. I’m not a big religious man but started to ask for the Lord’s intervention… A week later my prayers were answered. I received a letter from Billy Alvaro explaining how he would be able to help me become debt free and save my home.
In just 36 days he eliminated my debts - a total of $829 dollars a month - and he got me out from that adjustable rate mortgage I was in.
He wasn't done there. Over the next year he helped clean up my credit and helped me with a financial plan… I am glad and thankful for his help – but only wish I would have met him sooner.
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Case Study #7: Steve Walker
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Contractor / Business Owner
Shoreham, New York
Problem: Steve needed $300,000.00 in cash to invest in his contracting business. Unable to get a bank loan, he decided to use his home to get a loan, but nearly got ripped off by untrained mortgage brokers who only wanted the fat commission check from the deal.
Solution: During Steve's Economic Assessment, it was easily determined there was plenty of value in the house to get the loan, it was simply a matter of finding the correct type of loan for him. It was also discovered that his taxes could be dramatically lowered, which resulted in more money in his pocket each month he could then re-invest in his business. Finally a long term financial plan for Steve and his business was created.
Cash Provided = $300,000.00
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BEFORE
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AFTER
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Cash
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$0
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Tax Free
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$300 000
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300k was used for the purchase of additional investment properties soon to be worth more than 1.9 million that he can enjoy durning his retirement
$300,000.00 = Cash Provided
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“I needed to get access to some cash... Billy got me access to $300,000”
My name is Steve Walker, and I wanted you to know that I’ve been doing business with Billy for some time now.
I needed to get access to some cash to invest into my business and to set my financial future straight. I attempted to use those Mortgage guys Billy writes about and just as he said I was mislead by not 2 or 3 but 4 different Mortgage guys.
None of them knew what they were doing and each one just lied to get me to a closing table. I’ve been around the block a few times and fired all of them.
Finally I wound up with Billy And I have to say it is a great experience, He has decreased my tax basis increased my spend-able income and allowed me to secure my financial future. He did exactly what he said he would.
Besides that he got me access to $300,000.00 worth of equity from my home when all those other mortgage guys couldn’t, I have come to find that Billy really walks his talk and gets things done.
Thanks!
Steve Walker
Shoreham New York
Contractor
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Billy Alvaro has been featured in the following magazines:
Billy Alvaro and/or his affiliated companies is also a distinguished member of the following prestigious organizations:
Loans placed through United Mortgage Corp. NYS Licensed Mortgage Banker
800 Veterans Memorial Highway Suite 300 - Hauppauge, NY 11788
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