The 7 Solutions You Need to Know

Make sure you don’t get scammed, slammed or crammed into a debt relief program that doesn’t fit you or your situation.

You need to know your options! And this FREE cheat sheet gives you a quick look at the most popular and proven solutions available.

Get this free info, and get your debt-free journey started today!


Get Your Free ‘X-Factor’ Financial Forms Here

It’s time to get organized so you can monitor and manage your finances like a millionaire – and these simple forms help you do it.

These forms have helped wealthy people grow and manage their finances for years, and now you can put them to work for you. For free!

You’ll get printable PDF and Excel copies of your own Debt Load, Net Worth and Monthly P&L Calculator sheets by requesting them here.


Regular Retail: Paperback: $14.99 / eBook: $5.99


Direct Special PDF/eBook

Be among the first to own this #1 Amazon New Release that many are calling a must-read ‘classic’ thanks to its simple yet powerful ASAP Protocol. This breakthrough approach helps you:

  1. Assess your situation with fresh insight and perspective,
  2. Review top debt solutions so you can pick the best one for you,
  3. And create a plan with the support you need to succeed.

"As a professional editor I read over 100 books a year but this one jumps out ahead of the crowd. John Nicholas is a gifted financial coach who treats you like a friend while sharing master-level information and personal guidance in a way that anyone can understand and follow to get out of debt and change their lives.” - Angee C.

Order now and receive this special bonus:

“John Nicholas has turned what could have been a dry textbook into a page-turning drama full of relatable stories, easy-to-follow methods and breakthrough ideas. If you are deep in debt or just want to know more about avoiding scams, negotiating settlements, raising your FICO score and so much more, this book is an investment you won’t regret." - Craig V.

The Audiobook is Coming Soon!

Currently in production the official release date is TBD, but ‘Contact’ us today and we’ll let you know when it’s available.

The Video Course is Coming Soon!


This breakthrough video course will present all the book’s “inside information,” case studies, inspiration and more in three modules following the book’s simple 3-step ASAP Protocol outline.  

Currently in production the official release date is TBD but ‘Contact’ us today and we’ll let you know as soon as it’s available.

Our Normal Price will be $79. But our limited ‘2021 Debt-Recovery Special’ price will be just $27!

Video Bonus: When you order you’ll receive a FREE three-month membership worth $30 in the Debt-Free Forever program (see Coaching Plans below).

Want to Schedule a Personal Consultation?


If you would like a personal consultation with John Nicholas now is the time to schedule it – before you get distracted or he gets booked.  Now is the time to start changing your life!

It’s 100% Guaranteed and here’s how it works:


Want Some Ongoing Coaching Support?


This membership recognizes that we all need support to change our lives and it insures your success by providing weekly coaching support and encouragement through email posts, videos, articles, resources and reminders plus unlimited Q&A access to John and his team and inspirational teaching, open discussions and member celebrations on at least one Zoom call/community meeting per month. This is one valuable membership!


This exciting ‘hybrid’ plan may be our best value as it combines up to two hours of personal consultation plus the ongoing coaching support of a Full One-Year membership in the Debt-Free Forever community with the benefits described above.


This plan affords a more thorough assessment of your situation with extensive consultation and personalized support, in addition to the Community Membership described above. This plan offers up to five hours of direct consultation and coaching with John over the course of a year as needed or scheduled, with additional hours available at special rates.


This plan includes Community membership and up to 10 hours of personal assessment, consultation and coaching support with John and is ideal for more complicated financial situations (including business ownership) or more comprehensive life coaching needs or interests.

(*Special payment arrangements may be available by request.)

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