In this article I will explain and give you 4 major reasons why an IVA could possible be the best solution for you to wipe all your debts off in 60 months or less.

1) IVA could wipe up to 75% of your Debt

IVA is short for Individual Voluntary Agreement; it is a government scheme which allows people who are struggling with paying off there creditors to re-arrange privately through a insolvency practitioner a amount of money which they can afford to pay off; the rest of the debt will be wipe off after 60 months.

For example using my own scenario I had £29,000 of debt and its calculated I would pay around £15,000 off my debt by the end of the 60 months and the £14,000 would be wipe off, and then my slate is clean.

The variation between how much is wipe off is determine by your personnel circumstances, I know a few people who had up to 70& to 75% of the debt wipe off and had double the amount of debt than I.

2)IVA is a private matter unlike Bankruptcy

IVA is a real solution to paying off your debt unlike bankruptcy, where it is more to do with avoiding paying your debts off.

Now IVA as I said is a private matter between you and your creditor and once you agree on a amount you can afford to pay monthly well that’s it, until you pay you last 60 month payment and then you can rebuild your credit score.

With bankruptcy, you name will be highlighted in the local papers, there is social stigma attach to being bankrupt plus you will not be allowed to do certain jobs like being a company director.

3)You be able to get credit

IVA solutions is idea especially if you want to rebuild your credit score again, unlike bankruptcy which will most likely put you blacklisted for life regarding credit, IVA will let you rebuild your credit score after the 60 months, and many banks from my experience see people who have successfully completed IVA more attractive in to accepting mortgages as they have proven they can repay their debt off.

4)You be out of debt in 60 months

60 months is not a long time that’s five years , so for me I knew in 5 years I would of paid off my £29,000 debt , compare this to debt management companies that just freezes your interest or lowers the interest you still need to pay the whole of your debt off, a debt management company that I enquired calculated it would of took me 10 to 15 years to pay my debts off.

Conclusion

Its a no brainer for me I took the IVA route 54 months ago , yes 4 and half years ago , and you know what in 6 months I will be totally debt free.

Matthew Lee Ng is a qualified Career Advisor and a Christian Mentor. His passion is to help people in every sphere of their lives and the money thing is one of them, check his free article in how to reduce debt quickly at: http://hubpages.com/hub/how-to-reduce-debt-quickly

Barrier 1: Understanding your thoughts. There are billions of thoughts going through the mind. The law of attraction states, “What you focus on extends”. If you keep thinking how you are going to max out your credit cards, then it is a plan. A painful one. This way you will create a future without new opportunities and new sources of income. Thoughts are your hidden plans. You can train yourself to watch your thoughts and replace them with happy ones that serve you.

Barrier 2: Understanding your emotions. There are only two emotions – love and fear. If you worry all the time about the bills and the mortgage, you will attract more of the same. The key point is to learn to put yourself in a positive state. Do something that you love. I would not recommend watching TV. I perceive it as borrowing someone else’s life and live it for two hours (or more). Go and create your own life. Take your children for a walk or just be with them. Listen to your favorite music. Remember a happy moment from your past. Find a reason to be grateful.

Barrier 3: Understanding your beliefs. They are the software of the mind. When you fuel your different thoughts with one of the two emotions on a regular basis, you create your beliefs. Do you remember your parents saying: “We can not afford it?” I do. This is the “never enough” belief. It can run your life without you being aware of it. Now that you know how it happens, go inside and search for more beliefs. When you find a belief and name it, you made the first step towards changing it.

In summary, these three barriers create the template of your life. When you think a thought and empower it with emotion on a regular basis, you create a belief. This belief shapes your life. As simple as that.

The good news is that you can change your beliefs about money (and about anything that does not serve you). Learn to watch your thoughts. Ask yourself if the thought you are thinking is serving you. If not, replace with a happy thought. Watch your mood. Be careful and pursue your goal for the day. The goal for the day is to feel good. And never forget, today is the best day ever.

And now I would like to invite you to check out my website, where you can find a very different approach to solving you credit card debt. I explore the two aspects of finances – internal and external. All of the problems are created by the data we store in our memory. Visit http://www.DebtAid101.com

If you have any questions, fill out the box at the very bottom of the website.
To learn how become a captain of your financial boat, read my report Debt Aid 101. You will be surprised how much you can accomplish.

From Margarita Slavkov – Credit Card Debt Solver
http://www.DebtAid101.com

First of all, always remember and remind yourself to spend within your means. Do not splurge on unnecessary luxuries that would add on to your burden. Spend wisely and buy only the items that are written on your grocery list. Cash transactions are better than swiping your credit cards because you are aware of the amount of money that you are spending. Credit card debts come with hefty interest rates if you fail to pay off on time. Cancel all your credit cards if possible so that you will not be having the potential of over spending and paying high interest rates to credit card companies again.

Look into your monthly expenditures and start planning your own monthly budget. Allocate different amounts of money for utility bills, car or housing loan payments, personal savings and also debt payments. From your salary, deduct your living expenses and loan payments, and then only divide the remaining amount into two parts – one for your debt payments and one for your personal savings. If you are prone to getting into debts, make sure that you have enough savings to pay them off. Look through your monthly budget to see where you are spending too much and revise the spending plans. This is crucial for good debt management because in order to get out of debts, you will need to know what is getting you into debts.

Speak to finance advisors and seek for their professional help in planning for your debt management. Work out a payment plan with the financial advisor after totaling up your debts and custom-made a repayment plan that you are comfortable with.

At the end, I’d like to share cool website with more information on topics like Help with my debts and Debt Advice. Visit for more details.

It might not really be a choice, but a compulsion to be under debt, but failing to pay this amount is an extreme pressure to handle .However necessity is the mother of invention and with troubles comes the solutions as well. Some of the basic bottlenecks associated with debt settlement are -

• bad credit history
• Increased in the number of collection calls
• Possibility of lawsuits leading to bankruptcy
• Increased interests

So for unsecured credit/debt, which means the creditor doesn’t have a guarantee attached to the loan amount, following can be done to do away with the trouble and take useful advice

• Speculate your debt amount on your own, make use of the debt calculator available on internet
• Online advise on debt settlement, from eg:United States Organization for Bankruptcy Alternatives, The association of Settlement Companies, debt Management Programs
• Self Negotiation with creditors on settling debt amount for something less than the actual amount
• But when you are neck deep in debt, and on the verge of declaring bankruptcy, refer to debt settlement advisors/companies.

These institutes would give free advice and charge a fee while negotiating with creditors. They in turn provide counseling, negotiate with creditors and lower down the debt bill and interest rate of the customer.

It is important to compare insurance quotes before getting signed up with an insurance policy. When you compare insurance quotes you can rest assured you are saving both time and money because you are guaranteed to get the lowest insurance quote.

Given the current recession it is important to make sure to prioritize your money and compare insurance quotes online. A good place to state would be an online website that actually allows you to compare insurance quotes online for free.

A good site to compare insurance quotes online can be found here:

Find Cheap Insurance Online

By Payment for the debt settlement, you can also get out of debt faster than continue to pay at least monthly. If you only have ten thousand dollars of debt, have ten years to make its debt only minimum payments. By restructuring the debt, you can get rid of this debt in two years. Once rid of this debt, your financial situation will improve significantly. One of the best things about debt consolidation, reduce the amount of money is really guilty. A reliable debt settlement company can be your debt is about 50% or more.

Another positive aspect of debt settlement is a term time your recovery more than 60 months in most cases, only 5 years. The minimum payments on a credit card can rules 20 to 30 years pay off. New negotiated amount will be determined by monthly payment and pay quickly. The other bad thing is if you are not guilty of at least $ 10,000 in debt, you can not repay your debts.

One of the most significant violations of debt payments, your credit score will be affected. It’s not as bad as bankruptcy would be, but it seems to be negative for the next one or two years. To explain the resolution of your debt to the position of all the implications of debt on your credit score.

If you want to get out of debt and hire a debt settlement company for debt negotiation then I have an important piece of advice. Do Not go directly to a particular debt settlement company but rather first go to a debt relief network who is affiliated with several legitimate debt companies. In order to be in the debt relief network, the debt settlement companies must prove a track record of successfully negotiating and eliminating debt. They must also pass an ethical standards test. Going through a debt relief network will ensure that the debt company you are provided with is a legitimate and respected company. This is the most efficient way in finding the best debt settlement companies and increasing your chances of eliminating your debt.

FreeDebtSettlementAdvice.com is one of the largest and most respected debt relief networks on the marketplace today. To find a debt settlement company through FreeDebtSettlementAdvice.com check out the following link:
Legitimate Debt Settlement Company.

Debt settlement solutions program if chooses this option; choose the third race for you so that you have a good agreement. You may have to pay a small fee for this service, but this is a good option for people who can help your financial situation. You can not eliminate all together, but might be able to get a 60 or 70% reduction in some cases.

Talk to a debt counselor that you are really desperate; you might want to talk to someone, give more support staff in the other. A debt adviser is specially trained to help people find ways you see your finances and how to get back on track. A consultant can help you to create the budgets to seek a realistic repayment and also for ways to reduce their overheads.

If you must pay for solutions to the payment of debt settlement solutions to consider their debts, it is better to act sooner rather than later. Search in the Internet to find out the useful and reliable solutions that will help you out of debt.

You will get all kinds of advice to reduce their spending and learn to manage their money. This may mean cutting the credit cards and not for the implementation of new or how to create a user account for an emergency savings fund. Some companies offer a software solution that check books and bank accounts of other balance, as well as advice on controlling spending helps. Remember that the goal is to stay debt-free and to make good use of your money.

If you want to get out of debt and hire a debt settlement company for debt negotiation then I have an important piece of advice. Do Not go directly to a particular debt settlement company but rather first go to a debt relief network who is affiliated with several legitimate debt companies. In order to be in the debt relief network, the debt settlement companies must prove a track record of successfully negotiating and eliminating debt. They must also pass an ethical standards test. Going through a debt relief network will ensure that the debt company you are provided with is a legitimate and respected company. This is the most efficient way in finding the best debt settlement companies and increasing your chances of eliminating your debt.

FreeDebtSettlementAdvice.com is one of the largest and most respected debt relief networks on the marketplace today. To find a debt settlement company through FreeDebtSettlementAdvice.com check out the following link:
Legitimate Debt Settlement Company.

The downturn has not stopped for the night and has been all great. Instead, time and patience needed to bring the country back on its feet. Currently the U.S. recession faces terrible experience which had not seen since the Depression of the 1930s. If new measures are not taken quickly, so the country can easily lead to the worst recession in U.S. history.

President Obama will take steps to avoid a recession with a package of 787 billion dollars to create jobs and build confidence so that consumer spending will stop. Private consumption is what keeps the economy going. Therefore, the government is to help revitalize the economy, but what you do for an individual consumer; initially, this stimulation is not much in debt Settlement for individual consumers, but that is part of long-term benefits from the recovery program. In fact, the benefits expected from this stimulus package should not be seen until at least 2010. Do not expect to improve things overnight, but rest assured that things are in place to help their debts with various problems. . If you’re one of those guys everything you need to do is ask some of that money to alleviate the debt of government stimulus.

If you are the most powerful of debt Settlement Company will find some very important information. Do not go directly to a specific debt settlement company, but rather go to a network of debt Settlement is associated with many established debt settlement company, too. For the network or debt settlement companies with a history of successful negotiations and demonstrate the elimination of debt. You can also try an ethical standards officer. When you get through the debt relief network to ensure that the debt is a company, you are provided with a legitimate business and reputation.

If you want to get out of debt and hire a debt settlement company for debt negotiation then I have an important piece of advice. Do Not go directly to a particular debt settlement company but rather first go to a debt relief network who is affiliated with several legitimate debt companies. In order to be in the debt relief network, the debt settlement companies must prove a track record of successfully negotiating and eliminating debt. They must also pass an ethical standards test. Going through a debt relief network will ensure that the debt company you are provided with is a legitimate and respected company. This is the most efficient way in finding the best debt settlement companies and increasing your chances of eliminating your debt.

FreeDebtSettlementAdvice.com is one of the largest and most respected debt relief networks on the marketplace today. To find a debt settlement company through FreeDebtSettlementAdvice.com check out the following link:
Legitimate Debt Settlement Company.

Pacing Yourself

If you’ve received a severance package, do your very best to make it last as long as you can. While it’s tempting to have a bit of fun after all the stress you’ve been through, your best bet is to spend even less than you would if you were still working. Because your expenses might be a bit lower right now with reduced work-related expenses, do your best to live “lean”.

Your Bills

Pay your bills on time. The best way to manage your debts is to keep your creditors happy. Let them know your situation and some may be willing to reduce your payments, stop your interest, or spread payments out over a longer period of time so that you can have slightly reduced payments. You might also consider consolidating a few bills now so you can have a single payment to make instead of several as well as allowing you to reduce interest payments. Be careful not to run up balances on those newly paid off bills, though. Avoid overspending and get rid of store cards with high interest rates.

Insurance Policies

Take advantage of any insurance options. Some people sign up for special insurance policies that make their minimum payments on their credit cards or cover their mortgage or car payment. Look at all your expenses to see if this is an option to bring any of your bills down.

Cash Budgets

Live on cash only. Part of living lean equates to lowering what you spend needlessly and interest payments are one thing you do not need right now. Do save your credit card balances for emergencies and live on cash as much as possible. That’ll save you extra bills and help you keep your spending in check.

What if I’m already in debt management trouble?

Sometimes people don’t get a severance package and aren’t eligible for unemployment benefits. Sometimes you’re already in over your head and the sudden loss of income makes it really frightening. There are things you can do to get some help.

There is help for debt management problems in the way of formal and informal arrangements with your creditors. It’s difficult enough being under stress from losing your job but when creditor calls and unpaid bills suddenly take over your life, it can make things even worse. Don’t hesitate to look for help with your debts. There are debt management options that can ease your stress and this difficult time in your life.

Debt problems got you down? Debt management assistance is just a phone call or email away. Visit Compass Debt Counsellors at http://www.compassdebtcounsellors.co.uk/ for assistance or advice.

Minimum payments are a consumer’s best friend when it comes to credit card bills. Who doesn’t want to spend $5,000 and then only have to pay $100 a month in order to keep the account current? However, in 2006, the system changed so insignificantly that more people are paying down their bills without even realizing it. The OCC, or the Office of the Comptroller of the Currency, is the group that regulates national banks. They are in charge of regulating the required minimum payment percentage that people are required to pay on their monthly credit card bills. They ordered this percentage to be doubled in order to help consumers get out of debt faster. So many consumers get hooked on just getting by with that minimum payment that they wanted to take it upon themselves to help people.

Perhaps if the minimum payments were even higher, more people would avoid debt settlement, or even use credit less because the repayment is more expensive. Nonetheless, the increase in required minimum payments has helped some. Imagine paying back only $100 every month on a card with a $5,000 balance that has high interest. You would likely be paying on that card for upwards of 20 years or more when you add in finance charges and only pay the minimum required amount. By paying $200, you would cut the time that you are paying in half or less. However, since most people can’t take this upon themselves, the OCC took care of it for them.

Many people will comment that this increase actually left more people in need of debt settlement, but it is helping people to realize what they have been doing and develop a strategy to budget their money better. Ultimately, until people realize that they have to take control of their own financial situation, this type of intervention might be what it takes to protect people from themselves.

Finding the right alternative to bankruptcy is critical to your success in taking care of your debt once and for all. If you want to learn more about debt settlement, credit counseling, or which solutions are best for your specific needs, you can call us at 877-971-3232 or apply online at http://www.nhm1.com/debt for a free consultation.

Do we need a mortgage for a $400,000 house, or could we have learned to be more comfortable in a home that only costs $300,000?

We use plastic today at an alarming rate to satisfy our desires, and we have to have that projection TV today not in three months when we can save up for it you know, operate within a strict budget.

I’m told that for every dollar we spend on credit, we owe the dollar plus four more, so the payback is five times more than the purchase price. If you charge that sub sandwich at Subway for $5.00, it will cost you $25.00 to pay it off. That $100. pair of Nike sneakers will actually cost you $500.00. Would you have paid $25. for the sub up front, or $500.00 for those sneakers up front? I say that to know how much things actually cost to have it now – and pay for it on credit, is a stupid thing to do but we all do it.

In this very tight economy, one has to wonder if there are ways to get out of debt when we have so much debt to get out of. Happily, the answer is yes.

Here’s what I have done, and I am already getting ahead – albeit, slower than I would like.

First, if you have Windows XP or Vista, there is a free software program already in your computer. It is called Microsoft Works Spreadsheet. Go to START, then PROGRAMS and it should be there. Load it, and try to keep your next months’ budget on your desktop so it is always right in front of you.

Next, List your Cash on Hand at the top of the budget under INCOME. Then list all other revenue sources that you anticipate for the month that you plan to start your budget in. If you collect wages, list your take-home pay there. If you receive other income (alimony, child support, rental property income, or odd-jobs that you do on the side), list them under INCOME.

The Works Spreadsheet will allow you to add a TOTAL INCOME column, and there is a greek symbol and dollar sign symbol at the top of your spreadsheet. The Greek looking symbol is there for creating a formula for adding columns up for you to give the total. For instance, your formula will likely be (B3:B8), and this will automatically add up your figures in rows B3 through B8.

Below that, skipping a row or two .you will begin to add EXPENSES. Below that category, list every dime that you spend using your checkbook, or ATM card. These are all of your bank account transactions. Oh, and STOP using your credit cards immediately. Your intent is to get out of debt. Even the Bible tells us that to owe a creditor is to be a slave to that creditor.

List expenses like mortgage, auto payment, auto insurance, gas & repairs for auto, health insurance, medications, Supermarket food, Food-Misc. (this covers coffee, donuts, sub sandwiches, going out to eat at night, etc), electric bill, phone bill, cell phone bill you get the picture. Each month, as you look over your budget to determine if you will be in a negative or positive cashflow situation at the end of the month, you will start adding more things under expenses things that you never thought of as a cost before.

Within three months, you will pretty much have your total, reality-check budget in place. Then, you can start seeing where you can cut expenses or add a little income here and there and over time, you can see those budget reductions, and take pride in the fact that you can whip this debt thing.

That $1.87 cup of coffee and the $1.50 bagel with cream cheese in the morning, then again around 3:00 PM is really $6.74 a day. But, look at the larger picture of how much that costs per month, which is $202.20 and a whopping $2,460.10 a year! I always measure it out by the year once I know the “short cost”. This helps put reality into perspective of what that little pleasure really costs!

Let me ask you this would you rather pay your credit card down by $2,460.10 – or go for that $2460.10 coffee bill? My guess is that using that money to pay down debt might put a heck of a dent in one of your credit cards!

As you use your FREE Microsoft spreadsheet, you will become an expert at setting up another budget for the following month because you simply copy your first budget, add NOVEMBER at the top, instead of OCTOBER, wipe out all the figures and start with zeros again, except you will put your bank balance for OCTOBER into the Cash on Hand space for the NOVEMBER budget.

You will have two columns: The left side will be BUDGET the right side will be ACTUAL. The left side is how much you think your light bill will be. The right side is the actual bill that you will pay. The actual bills tend to become next months’ budget numbers. Over time, you will see that this is true many of your costs are almost fixed costs.

By the way, you still get to have coffee, but you have to make it. To save $2000 a year, it’s worth it. I buy Maxwell House instant coffee about $4.39 a jar, and I can get about three weeks worth of coffee out of it. I can toast two slices of wheat bread ($1.89 a loaf at my cheap supermarket) and have the same breakfast that I would have had at Dunkin Donuts.

At the end of a few months, you get to see your bottom line going from negative – if that’s your situation – to break-even, then to positive cashflow. Then, you begin to strive toward reducing those ‘el-bandito” credit card rates that started with teasers of 3.9% where your payment was $150 a month to 29.9% or higher, and now you’re facing paying $250. a month for the same borrowed money.

If you simply saved your coffee money every day, and paid off that one credit card of $2000., you could apply some or all of that payment of $250.00 toward knocking off card number two. If card number two is costing you $250. a month, and you can now pay $500. on it, you will wipe that card out in no time then target the next credit card with triple payments until all of them are gone.

What if you are in debt and way over your head? If this is the case, there are still things you can do to get out of the mess, including filing bankruptcy. I say that bankruptcy is better than calling one of those predator companies who tell you you can save up to 60% of your credit card debts by calling the ‘credit counselor’ .bunk! They work for the credit card companies, believe me. What they fail to tell you is that you will pay them a hefty fee they will still notify your credit card holders, and they will get you to sign papers stating you will pay back the credit card companies ALL the money you owe, and still pay some interest. Maybe 60% of what you would have paid in interest expenses.

Credit card companies want you to pay every dime you owe (and you do owe it you borrowed it), and they still want some interest. Their alternative is that you will choose to file a chapter 13 or 7 bankruptcy, and they know they will only get about two cents on the dollar. This is why those counselor ads say, “Don’t think about filing bankruptcy we’ll tell you what those nasty credit card lenders don’t want you to know” It’s all crap what they don’t want you to do is file bankruptcy.

If you have to file, see an attorney who specializes in bankruptcy, and he or she will advise you on how to proceed. They are in your local Yellow Pages. If you seek a credit counselor or file a chapter 13 (recommended) or chapter 7 (total asset liquidation), your credit is going to be in the toilet anyway, and having no credit power may be doing you a favor in the long term by restricting your purchases to cash only which is where you should be anyway. Your parents never had credit cards and we wonder why they own their own home and their cars!

If you own assets, like a house or car, you get to keep them generally speaking, unless you cannot afford to keep your mortgage current even with paying creditors that are non-secured, like credit card companies about two cents on the dollar. Again, your law advisor will give you the advice needed to accomplish your goals. I don;’t give legal advice here, I am merely pointing out ways to get out of debt, and the scenarios that will hep you get there.

That said, if you do have a home and car .and do NOT wish to file a chapter 13 or 7, you might consider selling your home and/or automobile. Sometimes, you can list and sell your house for an amount that will get you out of the mortgage, taxes, PMI, and insurance. Maybe you won’t make any money after you list your house, add the real estate agent’s commission and other expenses involved in a sale (ask your Realtor what they are), but my recommendation is to sell the house .keep the car, and find a rental house or condo somewhere and stay there for a year or until you can get back to break-even or save money to buy another home.

Keeping your credit intact is paramount if you plan to have a future that must rely on credit. Your FICO score has to be over 750 to buy a house with low interest rates, and over 680 to buy most cars. You might also consider trading in the car or selling it outright, to buy a much more fuel-efficient car for less money. This way, you reduce your auto payment line item budget number and your gasoline expense line. If you buy a year older car or two years older, you will save on town or city excise taxes as well and maybe even that pesky car insurance.

Rental properties are cheaper than owning these days, and although your lifestyle will seem to be diminished in your eyes, and the eyes of your family and friends, tell them your goal here is to get solvent during this downturn in the economy. They will understand, and probably gain even more respect for you. You lose some tax advantage, but your goal is to get out of debt and stay out. You can always buy a home later, but for right now breaking even on a home sale is better than wiping out your good or average credit. Rebuilding credit is easier if you avoid filing bankruptcy or lose your home to foreclosure.

If you are breaking even, and want to keep your house, look at your automobile scenario. Some credit unions will loan you money against the equity in your car if you made a large down-payment, or if you lucked out and bought a Toyota Prius that may be worth more in this economy than when you bought it. I say that because a year ago, when you could not find a Prius, a friend of mine listed his 2007 on EBAY. He never did that before! He paid $19,000 for it it had 42,000 miles on it. He owed $14,000 on it. He sold it to a gentleman for $22,100, and bought a late model car with the $8,000 equity. So, his monthly payment went from $385. to zero. His gas cost rose from about 47 MPG to 12 MPG, but the $385. savings buys a lot of gas.

Travel less spend less for fuel .turn down the house thermostat to 62 or 63 degrees save money here and there, and notice your monthly budget expenses drop. Those savings of cash allow you to pay your way out of debt, and rise from those ashes of stress, despair, gloom and doom. Once you see your budget improving you see light at the end of your tunnel hope springs from no hope. Your mental attitude improves then you start thinking of ways to improve other areas of your life like weight-loss. Getting exercise helps increase the serotonin levels in your brain, and you will start to feel less depressed from debt. It’s all good from the moment you start working your free budget.

John Tyler is the author of five books: HEAVEN-HOW DO I GET THERE? is one that devotes all of chapter one to a vivid description of heaven. AMERICA’S TWO HOLY WARS is an in-dept look at the two factions who are vying for power over the people, and they are Islamic Jihaddists and Progressive Liberal Secularists. FRIENDSHIPS – LOVERS, HUGGERS & OTHERS is a 151 page book on relationships and how to build them.. The book includes a 100-question “Compatibility Test” used to determine if two souls are compatible with each other. Endorsed by US Congressman from Massachusetts, Barney Frank.

SATAN’S GAMES is underway with 470 pages written. Satan has asked God to “sift us like wheat”. Sometimes, God allows him to do it… to cause bad things to happen to good people. THE ISLAND- My first fiction crime-drama novel is underway.

All books are available on my web site. None cost more than $9.95 to download the entire book, but there are always 60-page free sample downloads for my readers.