Debt Cleanse: How to Settle Your Unaffordable Debts for Pennies on the Dollar (And Not Pay Some at All) by Jorge P. Newbery (Review #2)


Reviewed by Chris Phillips

According to the author and company that this book is basically an advertisement for, www.debtcleanse.com, Americans have been duped by creditors, credit card companies and other corporate entities into carrying on several self-serving relationships based on long-term or extensive term debt.

Mr. Newbery narrates the story of his problems when an unexpected natural disaster turned his business and enterprises into huge debts. He went from successful to broke and owning $26 million in debt in the matter of a few days following an ice storm. Instead of following the way of many in America, from the poorest to the wealthiest, he did not choose bankruptcy. He made the decision to not pay his debts, any of them.

He embarked on this plan and has adhered to that and learned the lessons that he presents here in this book.

Reading the introduction and the first 3 chapters leaves one with the impression that he was able to do this with large amounts of help from friends and especially the company that is referenced very frequently in those pages.

However, persistence is rewarded in the following chapters and especially when Chapter 15 Action Tools is thoroughly understood. For each of them, from Chapter 4 on, Newbery presents a step-by-step process to become debt-free.

As he warns in the prologue, introduction and throughout the book, this is not a quick process. This is not an easy process. This is a one-time only process. At the end of all this work and stress, though, anyone can be debt-free.

Chapter 15 and the forms presented there are the most important feature of this book, as long as the uses for these forms are understood from the explanations in the previous chapters. Each is a fill-in-the-blank type which the reader can adapt with the needed information and have an accurate, legal and properly worded communication device for their specific situation.

The writing is consistent and well-considered. Newbery does an excellent job presenting situations, solutions and examples that will guide the most beleaguered person in clearing their debt and living debt-free. With the exception of the frequent references to the Debt Cleanse website, anyone can use the information presented herein and do the same work Newbery did and is still doing to relieve debt that is overburdening them.

This book can be recommended to any reader. The .pdf version of the book is highly recommended for anyone wishing to utilize the forms in the last chapter. These forms can be printed directly from the book, if a printer is accessible. If the reader owns Adobe Acrobat full version, these forms can be filled out on a computer before printing.

Recommended highly

5 Stars.