On another site someone asked the legitimate question:

Is Richard Geller’s Mortgage Relief Formula Program a scam?”

I replied:

Emphatically NO – it is NOT a scam!

However, let me begin by saying this is a VERY reasonable question. I committed to the purchase of his program with much the same thought. I was 169K in debt (unsecured) and did not want to declare bankruptcy. Six months later I have settled for an aggregate settlement of 33 cents on the dollar or $55.5K without ever going to collections outside the original lender. Richard’s program helped me to understand that this was a predictable and negotiable process. In the best of all worlds I would not be in financial straits and would have just paid my bills. However, when I finally faced the fact that I COULD NOT continue to borrow my way into the problem, Richards program was of immense help. If fact it was actually easier that I actually thought going in. My CPA actually put me in touch with a debt settlement expert that happened to be his son. His some coached me out of the kindness of his heart with no expectation of reward. He could not believe how well educated I was as a result of studying Richard’s information. He told me point blank that I was in better shape and controls of the situation that 95% of his clients. The best thing about my interaction with him as a debt settlement expert was the validation that I was on the right track based on the information from Credit Card Relief Formula. Richard’s material is worth every penny! I give it the highest recommendation and endorsement. I cannot tell you what a relief it is to be on the back side of this problem.

All the best,

Chris
McKinney, Texas