Debts To Wealth

                                                  TESTIMONIALS

Here are some comments from people who have benefited from the Invest In Your Debt(c) program. Some of
the satisfied users have referred to it as the debt free system, as I often do.

These people have learned about the system in my classes or because they have purchased the system from my web site.

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Dear Blanchard,
Several months ago I took your"Invest In Your Debt" class at Sharon High School.
I must say, you changed my life. I never saw my current "interest problem" as the plague
on my financial situation. I'm currently following the plan and saving approximately 200
dollars per month in interest. I have paid off two credit cards, lowered my phone bills
and my car insurance, purchased a used automobile, restored my credit rating and am
paying off my car one year in advance.
Now I'm going to tackle my second mortgage. After that, all I have in debt is my first mortgage.
I was never able to understand my financial situation until your class. Thanks so much
for enlightening me and making me financially wise.
Lesley E.
+++

Dear Mr. Warren,           
As of 7/25/05, I will have paid off my mortgage rendering me debt free.
In March of '02
a friend of mine and I took your seminar, "Invest In Your Debt." I always knew it was
wise to rid one's self of debt, but your class was the extra push I needed. I paid off
$80,000 in a little over 3 years.

Thank you for the encouragement and advise. Keep up the good work for others!!
Sincerely,
Cynthia N.
+++

Mr. Warren...
Your Debts to wealth class (Invest in your debt) has had a great 
impact on our financial life. Pat and I are confident about our 
finances now; we are watching our Debt-Eracer plan working. Great 
feeling of accomplishment every month.
Thank you for your work and sharing the knowledge with us.
Mark and Pat L.
+++

Dear Mr. Warren,
I'm really glad I took your seminar. Although in the beginning of the class I felt just as helpless
and frustrated about managing our debt.
Thank you for giving me some alternatives and a formula to reach my goals in paying off the
money we owe. We are going to try harder to help ourselves. I feel we are one quarter of the way there.
Sincerely,
M. Rodriques
+++

I can't believe how easy this program is. I find myself looking forward to paying my bills
each month as I watch my debt melt away. My first credit card will be paid off by the end of next month.
Thanks again,
Tim
+++

Dear Mr. Warren,
I recently attended your debt-free class at Milford High School. I was very impressed with
the material with which I now have to pay off my outstanding debt.
D. Schrader
+++

I implemented Invest In Your Debt and have successfully paid off my small consumer store
credit cards, one Visa and I'm paying off my last credit card! ... the program works.
Thank you,
Greg, San Francisco, CA
+++

Dear Mr. Warren,
My wife and I took your course. We must say we skeptical at first. At the time we were
$27,000 in credit card debt. We followed the course to the letter. We paid off the entire
debt in 16 months.
I want to thank you personally for opening our eyes as well as giving hope to people
who otherwise would spend the rest of their lives working hard for no return. This course made me a believer.
Sincerely,
Tom/Ann M.
+++

Dear Mr. Warren,
My wife and I learned a great deal in your workshop at Assabet High school. We are already
putting our "accelerator margin" to work for us. We expect to be totally debt free within three
years thanks to the knowledge you passed on to us.
I wish you the best in your efforts to help others like us. You and your work are a genuine
blessing to so many of us that need the service you provide.
Sincerely,
R. Hadorn
+++

Dear Blanchard,
Thank you very much for your informative course. I really does make sense. I wish I had heard
of you 5 years ago. But with a little discipline I can make real head way wit our debts.
Thank you for sharing this information with me.
Sincerely,
Peggy S.
+++

Blanchard.
It has been over a month since I took your call and have been meaning to email my thoughts on the course.
I wanted you to know that the title of the class was what initially intrigued me and I will be forever
grateful that I took the class. I found the Invest In Your Debt class very informative. I have created
my debt plan, allowed for incidentals, included a small fraction of my income towards my safety net
and have a tentative target date of June 2005 to be debt free! I can hardly wait to pay off my new
car in less than two years.
I found it ironic how without the knowledge, we just tend to bounce along paying, paying, paying
and never really bother to think how we are actually living. We give so much of our hard earned
away to credit card companies and banks. It's disgusting. I am now living with the concept my
parents and grandparents werre forced to live with, which is, "If I don't have the cash to buy it ,
then I don't need it." I have also taken my credit and frozen the "would be liabilities" in my freezer!
My extended thanks to the folks who present the Invest In Your Debt courses for taking and an old
concept and making it live again!
Regards,
Robin
+++

Blanchard, I really enjoyed your class last evening. 
Thanks.     
Steve M.
+++

Dear Blanchard,
I wanted to thank you for last night's workshop class. I was very
impressed with it and you taught me alot. I actually rushed right home
and worked out a plan to pay off my debt. I could never have done it
without you.

You are a very good teacher and a delightful person.
Thank you again,
Kathleen W.
+++

Hi Blanchard,
I appreciate the newsletters, I paid off
one of my credit cards last month and have "attacked"
the next one, I have about $3500.00 left on the last
two cards and that's it, then on to my car. I'm
probably going to be getting divorced soon, finances
are tight, but I'm still going to utilize this plan,
Thanx again!
Mike H.
+++

Hi Blanchard,
Since taking your class I have been doing my best to throw any extra
dollars monthly to my mortgage. I never carry a balance on my credit
cards. I now look forward to my mortage statement each month and
watching the balance drop. Every feew months I run an amoritization
schedule to see how many months I've shaved off the term - it's rewarding!
Thank you - your classs has given me the focus and determination I needed.
Jean O'C.
+++

Dear Blanchard,
I really appreciate and enjoy receiving the Debts To Wealth newsletter.
I have implemented the system and love being in cahrge of my financial future.
Lisa W.
+++

You have fabulous training skills. I have been a professional trainer and
I am most impressed.
Mary D.
+++

I have just paid off my first CC and we're well on our way to paying off two
more CC within the next year.  You helped me realize how to "Eliminate Debt"
and it works and I will continue to pay off all of our monthly debt and we will
be living on a cash basis after going forward.
Thx, Mike
+++

I have attended Invest in Your Debt class at Assebet Valley, in Hudson MA
a few years ago and am glad to say, I have cleared all credit card and car debt,
now working on the mortgage. It is wonderful not to have a mailbox full of bills
to be paid.

Recently divorced and a single mom with no support from the ex, has been
challenging, but I have been fortunate to be able to manage and start an
emergency savings account. The freedom is great!!
Thanks again
Beverly
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SOME MISCELLANEOUS COMMENTS FROM CLASS EVALUATIONS

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*** What a great system. Glad to walk through the doors. It will change my life.

*** Very real, down to earth, made a very complex concept understandable.

*** Great information! I'm looking forward to using the system.

*** A common sense approach.

*** Nothing needed, it was great.

*** Very helpful strategy! Makes so much sense and I intend to apply it to our debts.

*** It helped me to look at my bills and sending habits differently.

*** Taking the course gave me solid, factual reason to pay off my mortgage. I also liked
the "ways to save" suggestions.

*** The "System" is a remarkable approach to debt reduction.

*** Great information, great advice, additional resources and practical ideas.

*** ... very simple procedure to follow. I can't believe I couldn't come up with this
        myself. I had a good time learning this common sense approach.

*** The material was very informative and I will recommend it to family and friends.

*** Have this class more often. It's worth more than a million daollars.

*** Excellent class. Loaded with information. Can't wait to start to get out of debt.


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