Story of 4th Grader Boy With a Very Pure Faith and Trust in God

I LOVE this story.

Somewhere in Milaor, Camarines Sur, there lived a fourth grader boy who would follow this route to school everyday: He has to cross the rugged plains and cross the dangerous highway where vehicles are recklessly driving to and from.

Once past this highway, the boy would take a short cut, passing by the Church every morning just to say Hi to God, and faithfully say his, "Magandang umaga po" ("Good morning")in Bicol dialect. He was faithfully being watched by a Priest who was happy to find innocence so uplifting in the morning..
"Kamusta, Andoy? Papasok ka na?" (How are you, Andoy? You're now going to school?)

"Opo padre ... "he would flash his innocent grin, the priest would be touched. He was so concerned that one day he talked to Andoy.

"From school...", he advised "Do not cross the highway, you can pass through the Church and I can accompany you to the other side of the road...that way I can see that you are home safe...."

"Thank you father ... "
"Why don't you go home ... why do you stay in this church right after school?"

"I just want to say 'Hi' to my friend, God," and the priest
would leave the boy to spend time beside the altar, talking to himself, but the priest was hiding behind the altar to listen to what this boy has to say to his heavenly FATHER.

"You know my math exam was pretty bad today, but I did not cheat although my seatmate is bullying me for notes... I ate one cracker and drank my water, Itay had a bad season and all I can eat is this cracker.

Thank you for this! I saw a poor kitten who was hungry and I know how he feels so I gave my last cracker to him ... funny but I am not that hungry.
Look, this is my last pair of slippers ...I may have to walk barefoot next week, you see this is about to be broken... but it is okay....at least I am still going to school.... Some say we will have a hard season this month, some of my classmates have already stopped going to school .... please help them get to school again, please God?

....Oh, you know, Inay hit me again, it is painful, but I know this pain will pass away, at least I still have a mother.... God, you want to see my bruises? I know you can heal them.... Here... here and .... oh ...blood ....I guess you knew about this one huh? Please don't be mad at Inay, she is just tired and she worries for the food in our table and my schooling that is why she hits us....Oh, I think I am in love ... there's this pretty girl in my class, her name is Anita ... do you think she will like me? Anyway, at least I know you will always like me, I don't have to be anybody just to please you, you are my very best friend! Hey your birthday is two days from now!!! Aren't you excited? I am! Wait till you see, I have a gift for you ..... but it is a surprise! I hope you will like it! Oooops, I have to go ..." then he stood up and calls out, "Padre, padre, I am finished talking to my friend ....
You can accompany me to the other side of the road now"

This routine happens everyday. Andoy never fails. Father Agaton shares this every Sunday to the people in his church because he has not seen a very pure faith and trust in God, a very positive look at negative situations.

One Christmas day, Father Agaton was sick so he could not make it in the Church, he was sent to the hospital. The Church was left to 4 manangs who would chant the rosary in 1000 miles per hour, would not smile and would always find fault in what you do, they were also very well versed in cursing if you irritate them! They were kneeling, saying their kilometric rosary when Andoy, coming from his Christmas party,playfully dashed in.

"Hello God! I ......"

"P----!! (a curse) bata ka!! Alam mo nang may nagdadasal!! Alis!!" (You know it we are praying!! go away!!)

Poor Andoy was so terrified, "Where's Father Agaton? He is supposed to help me cross the street ... and to be able to cross the street I will have to pass by the back door of this church ...not only that, I have to greet Jesus. It is His birthday, I have a gift right here....
" Just as he was about to get the gift out of his shirt, the manang pulled his shirt and threw him out of the church. "Susmaryosep!!! (does the sign of the cross fervently) Alis kang bata ka, kung hindi matatamaan ka!!!

So the boy had no choice but to cross the dangerous side of the road in front of the church. He crossed. A fast moving bus came in.

There was a blind curve. The boy was protecting his gift inside his shirt, so he was not looking. There was so little time. Andoy died on the spot. A lot of people crowded the poor boy, the body of a lifeless young boy ...

Suddenly, out of nowhere a tall man in a pure white shirt and pants, a face so mild and gentle, but with eyes full of tears... He came and carried the boy in His arms. He was crying. Curious bystanders nudged the man in white, and asked,

"Excuse me sir, are you related to this child?

Do you know this child?"

The man in white, His face mourning and in agony, looked up and answered,

"He was my best friend .... " was all he said. He took the badly wrapped gift in the bloody chest of the lifeless boy, and placed it near His heart.

He stood up and carried the boy away and they both disappeared in sight.

The crowd was curious ...

On Christmas Eve, Father Agaton learned of the shocking news. He visited the house, and wanted to verify about the man in white. He consulted the parents of Andoy.

"How did you know that your son died?"

"A man in white brought him here." sobbed the mother. "What did he say?"
The father answered, "He did not say anything. He was mourning. We do not know him and yet he was very lonely about our son's death, as if he knew our son very well. But there was something peaceful and unexplainable about him.
He gave me my son, and then he smiled peacefully. He brushed my son's hair away from his face and kissed him on his forehead, then he whispered something..."

"What did he say?"

"He said to my boy..." the father began, "Thank you for the gift .... I will see you soon ... you will be with me..." and the father of the boy continued, "and you know for a while, it felt so

wonderful ... I cried, but I do not know why....all I know is I cried tears of joy .... I could not explain it, Father, but when that man left, something peaceful came over me, I felt a deep sense

of love inside ... I could not explain the joy in my heart, I knew my boy is in heaven now but...tell me, Father, who is this man that my son talks to everyday in your church, you should know because you are always there ... except at the time of his death ......"Father Agaton suddenly felt the tears welling in his eyes, with

trembling knees, he murmurred, " ... He was talking to no one .....
but .. GOD...."

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How To Use Your Pain To Achieve Great Success

I know people don’t like pain.
I know I don’t.
We avoid it at all costs.
That’s why many people avoid diets, doctors, and dentists.
Because we don’t like pain.
But let me give you a startling fact.
You need pain to survive.
You need pain to succeed in life.
In fact, all permanent success comes from pain.
Any success that doesn’t come from pain will be short-lived.
Check out Lotto Winners.
Yesterday, I was reading the story of Michael, a garbage collector who won $15 Million from Lotto. But after just a few years, he lost all his money and is now trying to get his old job back as a garbage collector.
Another guy named Jack won a staggering $315 Million from Lotto. But he too lost everything after less than 10 years. But he didn’t only lose the money—he also lost his family.
They’re not alone. Go ahead, google “Lotto winners lose money” and you’ll get hundreds of true-to-life tragic stories.
In fact, many Lotto winners say it was a nightmare and wish they never won. Because of winning, their marriages broke up, their families disintegrated, their children turned to drugs, and they lost all their happiness.
Easy come, easy go.
I repeat: Real success comes from pain.
If it didn’t come from pain, it isn’t real success.
Hypothermia
Let me talk about Hypothermia.
Hypothermia is a physical condition whereby your body’s core temperature drops below 35 degrees Celsius and shuts down all functions. Including your ability to feel pain.
Remember Titanic?
Our hero Jack died of hypothermia.
And many people who escaped Titanic before it sank eventually died of hypothermia in the freezing waters of the Atlantic Ocean. Because they could no longer feel the pain, they just slept and drowned.
Mountain Climbers conquering in Mt. Everest, who get trapped in sub-zero temperature, try hard to wake themselves up. They intentionally give themselves pain to survive.
What does this have to do with you?
Let me explain.
Do You Suffer From Spiritual Hypothermia?
I know of people who have Spiritual Hypothermia.
They’ve become so comfortable in life.
They’ve become soft. They’ve become lax. They’ve become sleepy. And their life has become meaningless. They have no more burning dreams in their lives. And they’ve started to die a slow death.
Why?
There’s no pain in their life.
I now realize that pain is essential to grow in any area of your life—spiritually, relationally, or financially.
How do you wake up from spiritual hypothermia? Pain.
In fact, there are three sources of inner pain.

The 3 Sources Of Inner Pain
The first pain comes from Grief.
The second pain comes from Greed.
And the third pain comes from Giving.
Let me discuss grief first.
First Source Of Inner Pain: Grief
I can’t prove this with a scientific research.
But from the past 30+ years of meeting first-generation financially successful people, 90% of them went through intense pain before they achieved success. And they were able to use that inner pain to fuel their rise to the top.
Let me share with you 4 very successful people and how they used their pain to become successful in life.
Zig Ziglar
Zig Ziglar is a bestselling author and one of the most well-loved motivational speakers in the world.
Yet he grew in poverty. Zig was number 10 of 12 children. And to make things worse, his father died when he was 6 years old.
And life was very hard.
As a small child, he had to work. He worked in a grocery store from 4:30 in the morning to 11:00 near midnight everyday. In case you can’t do the math, that’s an 18-hour workday. For a kid!
Fast forward a few years later, poverty still followed him.
When Zig got married, he applied as a salesman.
But for the first two years, he couldn’t sell his products.
So he had to sell his furniture just so he and his wife could eat. When his daughter was born, the hospital bill was $64. He didn’t even have $64—and had to go out and sell something so he could take his family home.
It was these hardships that fueled his desire to succeed in life.
And succeed, he did. In one year, he became the number one salesman of his company. And later on, he set up his own company and became very successful in life.
Mary Kay Ash
When her marriage failed, Mary Kay was a single mother with 3 kids. And she could hardly make ends meet.
At that time, she was working as a saleswoman inStanley Home Products, but she wasn’t doing too well in her job. When the company had an annual sales conference, she wanted so badly to go. But she had no money.
So she borrowed money to go there. She also brought with her a bag of biscuits. That was what she ate for the three days conference.
But in that conference, she saw a salesperson go up on stage to receive the Number One Salesperson of the Year Award. When she saw that, she went up to Mr. Stanley, the owner of the company, and told him that she’ll be the next person who will win that award. He smiled and said, “I believe you will.”
The following year, she did go up that stage to receive the Number One Salesperson of the Year award.
Later on, she built her own company, Mary Kay Cosmetics.
When she died in 2003, that single mother’s company had 800,000 saleswomen and making $2 Billion in annual sales.
Anthony Robbins
Tony Robbins grew up in a poor family.
He would steal food in grocery stores—just to be able to eat.
He couldn’t even pay for his rented room.
His electricity was always about to be cut off.
And he couldn’t answer the phone because he owed money from everyone he knew.
One of his most painful experiences was falling in love with a lady, but watching another suitor win her heart. The suitor picked her up in a very expensive car. Tony knew the girl loved him, but she also wanted to be comfortable. He knew he couldn’t provide this for her, and he felt totally worthless.
All this pain became his driving force to get out of is hole.
Tony eventually started 15 companies and created phenomenal success. This once-upon-a-time janitor has become an advisor to three US Presidents, including President Clinton, and other heads of states, such as Mikhail Gorbachev, Margaret Thatcher, Francois Mitterrand, and Nelson Mandela.
Joe Girard
Joe Girard had one business failure after another.
One day, he found himself without a job, without money, without savings. He experienced a whole year of poverty.
One morning, his wife told him, “Joe, we have no more food. And our kids are now out on the street begging.”
That day, Joe left the house, applied as a car salesman.
He resolved in his heart that he had to sell a car that day so he could feed his hungry kids.
Before the day was over, he sold a car. He borrowed $10 from his manager. He rushed home with a brown bag of groceries. He was so happy that his family had food to eat that day.
All this pain became a burning fire in him to change his life.
In a few years, he became the Guiness Book of World Records’ greatest car salesman in the world. The typical car salesman sold 7 cars a month. Joe Girard sold 6 cars a day. Or 150 cars every single month.
Use Your Pain From Grief
Pain is fuel.
But like real fuel, it can do two things.
Fuel can catch a spark and explode, destroying everything around it. Or it can be harnessed in an engine and power a rocket to the moon.
What am I saying? Pain can destroy you ordevelop you.
It depends on how you respond to your pain.
If you respond with faith, pain can be the inner driving force that can change your life. Pain can be your fuel to rocket your launch to success.
Right now, you may be experiencing a lot of pain.
Perhaps you’re family life is a mess.
Perhaps you’re job situation is very tough.
Perhaps you always have no money.
Friend, this is not the end of your story.
You can overcome.
You can rise above your problems.
You can use your pain and make it fuel for you to succeed in life. You can rocket your way out of your pain and into prosperity.
But just as a warning, let me talk about the second source of pain…
Second Source Of Pain: Greed
Greed is painful.
Greed will not let you sleep, rest, or become complacent.
Some rich people become rich because of greed.
Perhaps they started with grief. Perhaps they grew up poor and had so much pain making ends meet—and this started their journey to wealth.
But after awhile, greed took over.
No matter how much money they have, they want more and more and more. They’re never satisfied. Their greed keeps manufacturing pain. They want bigger homes and bigger cars and bigger yachts and bigger diamonds.
But this kind of inner pain is deadly. It’s the pain that will ultimately kill. Because greed leads to empty success.
I compare Greed to Gluttony.
I know someone who is obese.
He weighs 340 pounds.
And yet every time I see him, I see him eating.
Every time we meet, I see him holding a hamburger, a cheesecake, a burrito, or a bag of chips.
I ask him, “Why are you still eating?”
While chewing, he says, “(Chomp) I can’t (Chomp) stop (Chomp) eating.”
“But it’s killing you!”
“I (Chomp) know (Chomp).”
In the same way, a greedy person is so obsessed with money, he doesn’t stop working even if his way of working is killing him.
Thankfully, there is another kind of inner pain.
A beautiful, liberating, and transformational pain.
Third Source Of Inner Pain: Giving

Giving is self-imposed pain.
Giving is voluntarily chosen.
By the way, when you give, and you don’t experience pain, you didn’t really give. Your giving is fake.
When you give, it must hurt you.
When you give, it must shake you up.
When you give, it must disturb your existence.
When you give, it must wake you up from your complacency.
When you give, it must rock your world so much, it creates a hunger in you to keep on earning money so that you can keep on giving.
The Bible says, I will not sacrifice to the LORD my God burnt offerings that cost me nothing. (2 Samuel 24:24)
That is why this pain heals.
This pain gives joy.
This pain blesses you.
It’s a cheerful pain!
This pain comes when you give.
Why?
Success Must Have A Reason
Success must have a reason.
And I have found my reason for Success!
I’ve asked this question many times: Why do I keep working, striving, dreaming, growing, expanding, and increasing?
I have enough. Really.
My family and I have clothes on our back.
We have a roof over our heads.
We’ve got food on our table three times a day.
We even have family vacations.
I repeat: We’re okay.
Why do I keep working? Why do I keep expanding my businesses? Why do I try to earn more?
There’s only one answer: So I can give more.
So I can love more.
So I contribute more to God’s work.
So I can give more to God’s poor.
Oh believe me, I’ll never run out of dreams!
The dream of the Kingdom is like the burning bush in my heart—unquenchable and eternal.
I pray that you find your reason for success.
I pray you transform your pain—either from grief or giving—into fuel. Fuel to reach your dreams.

May your dreams come true,

Bo Sanchez

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Ruth

Ruth went to her mail box and there was only one letter.
She picked it up and looked at it before opening, but then she looked at the envelope again.
There was no stamp, no postmark, only her name and address.
She read the letter:

Dear Ruth:
I`m going to be in your neighborhood Saturday afternoon and I'd like to stop by for a visit.

Love Always,
Jesus

Her hands were shaking as she placed the letter on the table.. 'Why would the Lord want to visit me?
I'm nobody special... I don't have anything to offer.'
With that thought, Ruth remembered her empty kitchen cabinets..
'Oh my goodness, I really don't have anything to offer. I'll have to run down to the store and buy something for dinner.'
She reached for her purse and counted out its contents. Five dollars and forty cents.
Well, I can get some bread and cold cuts, at least.'
She threw on her coat and hurried out the door.
A loaf of French bread, a half-pound of sliced turkey, and a carton of milk...leaving Ruth with grand total twelve cents to last her until Monday..
Nonetheless, she felt good as she headed home, her meager offerings tucked under her arm.
'Hey lady, can you help us,lady?'
Ruth had been so absorbed in her dinner plans, she hadn't even noticed two figures huddled in the alleyway.
A man and a woman, both of them dressed in little more than rags.
'Look lady, I ain't got a job, you know, and my wife and I have been living out here on the street, and, well, now it's getting cold and we're getting kinda
hungry and, well, if you could help us. Lady, we'd really appreciate it.'
Ruth looked at them both.
They were dirty, they smelled bad and frankly, she was certain that they could get some kind of work if they really wanted to.
'Sir, I'd like to help you, but I'm a poor woman myself. All I have is a few cold cuts and some bread, and I'm having an important guest for dinner tonight and I was planning on serving that to Him.'

'Yeah, well, okay lady, I understand. Thanks anyway.'
The man put his arm around the woman's
shoulders, turned and headed back into the alley.
As she watched them leave, Ruth felt a familiar twinge in her heart.

'Sir, wait!'
The couple stopped and turned as she ran down the alley after them.
'Look, why don't you take this food. I'll figure out something else to serve my guest.'
She handed the man her grocery bag.
'Thank you lady.
Thank you very much!'
'Yes, thank you!'
It was the man's wife, and Ruth could see now that she was shivering
'You know, I've got another coat at home.
Here, why don't you take this one.'
Ruth unbuttoned her jacket and slipped it over the woman's shoulders.
Then smiling, she turned and walked back to the street...without her coat and with nothing to serve her guest.

'Thank you lady!
Thank you very much!'
Ruth was chilled by the time she reached her front
door, and worried too.

The Lord was coming to visit and she didn't have anything to offer Him.
She fumbled through her purse for the door key. But as she did, she noticed another envelope in her mailbox.
'That's odd. The mailman doesn't usually come twice in one day.'

Dear Ruth:

It was so good to see you again.
Thank you for the lovely meal.
And thank you, too, for the beautiful coat..

Love Always,
Jesus

The air was still cold, but even without her coat, Ruth no longer noticed.

A DATE WITH THE OTHER WOMAN-Another Touching Story

After 21 years of marriage, I discovered a new way of keeping alive the
spark of love. A little while ago I started to go out with another woman. It
was really my wife's idea.


"I know you love her," she said one day, taking me by surprise.


"But I love YOU!" I protested.


"I know, but you also love her."


The other woman my wife wanted me to visit was my mother, who has been a
widow for 19 years. The demands of my work and my three children had made it
possible to visit her only occasionally. That night, I called to invite her
to go out for dinner and a movie.


"What's wrong, are you well," she asked? My mother is the type of woman who
suspects that a late night call or a surprise invitation is a sign of bad
news.


"I thought it would be pleasant to pass some time with you," I responded.
"Just the two of us."


She thought about it for a moment, then said, "I would like that very much."


That Friday, after work, as I drove over to pick her up I was a bit nervous.
When I arrived at her house, I noticed that she, too, seemed to be nervous
about our date. She waited in the doorway with her coat on. She had curled
her hair and was wearing the dress that she had worn to celebrate her last
wedding anniversary. She smiled from a face that was as radiant as an
angel's.


"I told my friends that I was going to go out with my son, and they were
impressed," she said, as she got into the car. "They can't wait to hear
about our meeting."


We went to a restaurant that, although not elegant, was very nice and cozy.
My mother took my arm as if she were the First Lady.


After we sat down, I had to read the menu. Her eyes could only read large
print. Halfway through the entree, I lifted my eyes and saw Mom sitting
there staring at me. A nostalgic smile was on her lips.


"It was I who used to have to read the menu when you were small," she said.


"Then it's time you relaxed and let me return the favor," I responded.


During the dinner, we had an agreeable conversation - nothing extraordinary
- just catching up on recent events of each other's lives. We talked so much
that we missed the movie.


As we arrived at her house later, she said, "I'll go out with you again, but
only if you let me invite you." I agreed and kissed her good night.


"How was your dinner date?" asked my wife when I got home.


"Very nice. Much nicer than I could have imagined," I answered.


A few days later, my mother died of a massive heart attack. It happened so
suddenly that I didn't have a chance to do anything for her.


Sometime later, I received an envelope with a copy of a restaurant receipt
from the same place mother and I had dined. An attached note said: "I paid
this bill in advance. I was almost sure that I couldn't be there, but,
never-the-less, I paid for two plates --one for you and the other for you
wife. You will never know what that night meant to me. I love you."


At that moment, I understood the importance of saying, "I LOVE YOU" in time,
and to give our loved ones the time that they deserve. Nothing in life is
more important than God and your family. Give them the time they deserve,
because these things cannot always be put off to "some other time."

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Shoes

I showered and shaved............. I adjusted my tie.

I got there and sat.............. In a pew just in time.

Bowing my head in prayer......... As I closed my eyes.

I saw the shoe of the man next to me..... Touching my own. I sighed.

With plenty of room on either side...... I thought, 'Why must our soles touch?'

It bothered me, his shoe touching mine... But it didn't bother him much.

A prayer began: 'Our Father'............. I thought, 'This man with the shoes, has no pride.

They're dusty, worn, and scratched. Even worse, there are holes on the side!'

'Thank You for blessings,' the prayer went on.

The shoe man said............... A quiet 'Amen.'

I tried to focus on the prayer....... But my thoughts were on his shoes again.

Aren't we supposed to look our best. When walking through that door?

'Well, this certainly isn't it,' I thought, Glancing toward the floor.

Then the prayer was ended........... And the songs of praise began.

The shoe man was certainly loud...... Sounding proud as he sang.

His voice lifted the rafters........ His hands were raised high.

The Lord could surely hear. The shoe man's voice from the sky.

It was time for the offering...... And what I threw in was steep.

I watched as the shoe man reached.... Into his pockets so deep.

I saw what was pulled out......... What the shoe man put in.

Then I heard a soft 'clink' . As when silver hits tin.

The sermon really bored me......... To tears, and that's no lie.

It was the same for the shoe man... For tears fell from his eyes.

At the end of the service...... As is the custom here.

We must greet new visitors, And show them all good cheer.

But I felt moved somehow.............. And wanted to meet the shoe man.

So after the closing prayer........ I reached over and shook his hand.

He was old and his skin was dark..... And his hair was truly a mess.

But I thanked him for coming......... For being our guest.

He said, 'My names' Charlie........... I'm glad to meet you, my friend.'

There were tears in his eyes........ But he had a large, wide grin.

'Let me explain,' he said.......... Wiping tears from his eyes.

'I've been coming here for months.... And you're the first to say 'Hi.''

'I know that my appearance.........'Is not like all the rest.

'But I really do try................'To always look my best.'

'I always clean and polish my shoes..'Before my very long walk.

'But by the time I get here.........'They're dirty and dusty, like chalk.'

My heart filled with pain.......... And I swallowed to hide my tears.

As he continued to apologize........ For daring to sit so near

He said, 'When I get here...........'I know I must look a sight.

'But I thought if I could touch you..'Then maybe our souls might unite.'

I was silent for a moment........... Knowing whatever was said

Would pale in comparison... I spoke from my heart, not my head.

'Oh, you've touched me,' I said......'And taught me, in part;

'That the best of any man............'Is what is found in his heart.'

The rest, I thought,................. This shoe man will never know.

Like just how thankful I really am... That his dirty old shoe touched my soul

You are special to me and you have made a difference in my life.
I respect you, and truly cherish you.

Let old friends know you haven't forgotten them, and tell new friends you never will.
Remember, everyone needs a friend..
Someday you might feel like you have no friends at all.
Just remember this message and take comfort in knowing that
Someone out there cares about you.....
And always will.

Raul V, Pelagio

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First, it is NOT possible to save money on all types of debts. Debt relief programs work best on credit card bills and unsecured loans. If you have car loans or home loans, these should not be included in a debt relief program.
Second, it is NOT for everyone. If you have less than $5,000 in debt, it really doesn't make sense.
Third, you may only save 50-60% depending on the types of creditors you have, how delinquent the debts are, what state you live in, what type of purchases the debts were for, and your current financial situation. Yet, with that said, I've had reports from USA and Canada of savings as much as 89% on credit card debts. You will still have to pay something to the creditors, but your bill would likely be cut in half to one third of what it is right now.
Fourth, in my review of some of the debt settlement companies recommended by non-experts, some actually caused people worse financial hardship and forced them to file bankruptcy, which is the worst possible mark for a person's credit standing.
I evaluated 17 of the top debt relief companies based on the following criteria:
• Reputable and organized staff.
• Written guarantee for overall savings.
• Affordable for the average person.
• Secure website.
• Large amount of savings.
• Work with 99% of creditors, and especially the tougher creditors like Citibank.
• Has successfully reduced millions of dollars of consumer and small business debt.
• Fastest completion times.
• Helps protect your credit standing.
• Member of the Chamber of Commerce in good standing.
• Member of TASC - The Association Of Settlement Companies.
• Member of IAPDA - International Association of Professional Debt Arbitrators.
• Customer satisfaction response times.
• You get to speak with your debt negotiator whenever you want.
• Flexible program based on what you have available on a monthly basis.
Below, I give you recommendations of the top three debt relief companies that I have tested based on all of the criteria above.
Knowledge is power, and even if you are not an expert in debt relief, I believe you can save money!

As soon as you get started with saving money with, let me know (info@debtreliefprogramsreviewed.com), and I congratulate you because each person who takes charge of their debts is contributing to building a better America.
YOUR TOP CHOICE FOR DEBT RELIEF



Rating 9.9/10
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#1 Rated Debt Relief Company In
The team that founded CuraDebt began in 1996 providing debt settlement services on behalf of individuals and small businesses. In 2000, the company started providing debt relief services nationwide.
CuraDebt is a member in good standing of TASC, the largest and oldest association of debt settlement companies, they have the highest rating for debt relief companies by the Consumer watchdog.
We recommend that you ask any company that you are considering working with if they are members of the Online Business Bureau, just like CuraDebt.
CuraDebt saves you the most money for a variety of reasons. First, their negotiators have built up contacts with creditors over the years and settle in bulk instead of just one account at a time. For example, instead of just settling your debt of $10,000, they may be settling $250,000 of debts with the same creditor. This gives them a much greater ability to negotiate the greatest savings for you. In addition, CuraDebt is commission based, which means that it is in their best interest to get you the greatest savings.
You get to speak with your negotiator who has all the details on your accounts and works with you based on what you have available on a monthly basis or as a lump sum. The company also works with businesses through its Commercial Debt Counseling division.
You can browse through their website to read numerous testimonials as well as debt settlement letters from credit card companies showing savings from 50 to 89%.
You can get a free confidential consultation when you visit their website and submit your information. Your questions regarding debt consolidation or debt settlement can be answered by CuraDebt's patient, caring, and knowledgeable counselors.
2009 Update: there is now a 15% discount running on the site (speak or email a counselor after submitting your information for a free evaluation). This discount may not be available soon.
In Summary: Greatest savings, quick and easy to get started, honest counselors, excellent reputation, and average savings of 50 to 80%- my #1 pick.
Click Here to Get A Free Consultation From CuraDebt