Debt Cleanse

How to Settle Your Unaffordable Debts for Pennies on the Dollar (and Not Pay Some at All)

By: Jorge Newbery

Narrated by: Larry Wayne

Jorge Newbery erased his debts without filing bankruptcy. Now you can, too.

Like many Americans, Newbery struggled with debt. But unlike most people, he owed more than $26 million. Creditors swarmed after a natural disaster devastated his multimillion-dollar business. The stress was crushing. He needed a way out - and what he discovered will amaze you.

His breakthrough came practically by accident. One of his creditors made a sloppy legal mistake, and he battled the creditor all the way to the Missouri Court of Appeals. The court ruled that the entire debt - nearly $6 million - was "inadvertently extinguished". It didn't have to be paid. It was completely eliminated.

Newbery applied the powerful techniques he had learned to all his other debts. The results were astonishing. One after another, his debts were either settled or gone forever.

Now Newbery reveals his proven debt-cleansing methods. In simple, step-by-step instructions, you'll learn how to...

• Assert your rights and defend yourself against creditors.
• Stop making payments - and turn that to your advantage.
• End harassing collection calls.
• Dispute your debts to stack the odds in your favor.
• Uncover deficiencies that can put money in your pocket.
• Protect your assets from creditors (100 percent legally).
• Negotiate the best possible settlements.
• Be debt free for life.

Debt Cleanse shows you how to gain leverage over your creditors. You can settle your unaffordable debts for pennies on the dollar - and not pay some at all.

Don't let your debt burden you one more day. This book will set you free.

©2016 Community Books, LLC (P)2016 Community Books, LLC

Aggressive, Tactical

Jorge P. Newbery’s Debt Cleanse is a total punch in the gut to the traditional financial advice industry, swapping condescending lectures for a radical "combat manual." By focusing on the "sloppy" reality of debt bundling, Newbery provides a tactical blueprint for exploiting missing notes and robo-signed affidavits to gain leverage. The inclusion of specific "Action Tools"—from discovery questions to legal templates—transforms a passive debtor into a bureaucratic nightmare for elite creditors. While the book is unapologetically honest about the "corpse pose" required to survive a wrecked credit score and years of litigation, it remains an incredibly empowering resource. It successfully shifts the focus from individual shame to systemic critique, giving those at the end of their rope the stones to throw at Goliath.

Brutally Honest and I Like the Power Shift

Jorge P. Newbery’s Debt Cleanse is a total departure from traditional financial advice, offering a tactical manual on how to stop paying bills to gain leverage over creditors. Drawing from his own experience of facing down $26 million in debt, Newbery provides an aggressive legal workbook filled with actual templates and "Action Tools" for disputing everything from mortgages to payday loans. I found his perspective on welcoming lawsuits to force creditors to prove their paperwork to be incredibly empowering for those who feel the system is rigged against them. However, his nonchalant attitude toward "embracing" a destroyed credit score is a tough pill to swallow, as the real-world consequences for renting or employment can be devastating. While the risks are sky-high and the asset protection strategies are complex, this is easily the most honest and provocative book available for someone completely underwater. It’s a controversial game-changer that gives you a way to fight back, provided you have the grit to handle the fallout.

Turning Consumer Laws Into a Financial Shield

I was skeptical about settling for pennies on the dollar until I saw the breakdown of how debt buyers operate in Jorge P. Newbery’s Debt Cleanse. The book turns consumer protection laws into a legal shield by showing you how to demand proof of ownership that many collectors simply don’t have. Newbery provides action tools like debt validation letters and mortgage requests to challenge creditors. He actually wants you to welcome lawsuits because litigation forces banks into discovery where they must produce original contracts. If they fail to prove the debt or have technical violations, you get the case dismissed and might even file a countersuit for damages.

Exellent for those who can't afford their debt

As a financial negotiator I saw this as a simple guide for those who need to dispute their debts that are unaffordable. Good advice, Good letters to write, Good guide on what to mail and how to respond. Very good guide to DIY. Recommended

An aggressive, empowering roadmap to debt freedom.

If you're drowning in debt and looking for a realistic way out, listening to this audiobook is an absolute game-changer. Jorge Newbery shares his raw, personal story of crashing from a multi-million net worth to being $26 million in debt, and instead of preaching about basic budgeting, he details an aggressive strategy to stop paying, build a settlement wallet, and force creditors to negotiate for pennies on the dollar. Hearing these steps laid out makes the idea of exploiting legal loopholes and welcoming lawsuits feel incredibly empowering rather than terrifying.
​The delivery makes complex tactics for handling mortgages, student loans, and credit cards easy to grasp while you're on the go. Even though some of the asset protection tips run a bit close to the legal edge, the sheer volume of practical templates and tactical advice makes this a must-listen for anyone ready to reclaim their financial freedom.