Here are just a few of our happy clients, and what they think of Debt Shredder.

Clair M. Fleetwood PA

When I bought my program in 2018 I had 26 years and $898,000.00 left on the farm mortgage and loans. GPS showed me I would be out of debt in 8 years. A few months ago I asked Harry what it would do to my debt schedule if I bought the $1.3 million farm next to mine. After calculating the projected income of the farm and only using 80% of what I know it will produce, I will own both farms in 16 years instead of 26 years for one farm! I will be buying that farm in October 2019.

Dave K. Lititz PA

I learned my lesson the hard way. I bought the Program in 2017 and thought I could out-think it. Support advised me to follow the prompts but it seemed too simple for me. About 4 months after I started using it, I got a $30,000.00 payment and put it all to my agricultural loan canceling $9,000.00 of interest! I called Harry and told him what I had done and he asked me why I didn’t put it in the program and let the program apply it. I told him that my AG loan was my highest interest loan and I wanted it paid off. He said that was OK but encouraged me to see what would happen if I put the money in GPS and followed the prompts. When I did that I found out that the GPS would have split the $30,000.00 and paid it toward 3 of my loans not just the one. The program would have cancelled $15,000.00 of interest instead of $9,000.00. As I said, I learned the hard way and won’t make that mistake again. I’ll be out of debt in 2025 instead of 2045.

Chris S. Reading PA

In July of 2011, I had 27 years to go on my 30-year mortgage, $30,000 in credit card debt, $5000 on a line of credit, and only $200 of cash left over at the end of every month. There was $80,000 of debt hanging over my head. I was paying $1,246 in interest out of $1,636 in credit card and mortgage payments every month. Only $390 was going toward principal. I started using the program because I didn’t have an escape route out of debt.

In the first 2 years, as of August 2013, I eliminated $17,871 of my $35,000 in credit card and LOC debt. I have $1072 of disposable income left over at the end of every month now, compared to the $200 left over just 2 years prior. I should be debt free within the next 4 years, far ahead of the bank’s schedule of 27 years. So far, I have saved (prevented) $42,000 in interest from going to the banks. My credit score went from fair, 620 to very good, around 754 as of June 2016. I am very thankful that I listened to the person who told me about this program. I took a leap of faith and a calculated risk, and it turned out very well.

Monica M.

With 26 years left on a 30 year mortgage, over $70,000 in credit card debt, 3 car payments, a Harley payment, & twin girls in college. I was stressed every week paying bills. I thought I was doing good with paying extra on each bill. But we were going no where...

Then in November 2015 we started with the program. So far as of July 2017 we paid off 2 credit cards.

We needed a 4 door car (hated to give up my convertible - 2 grand-kids) another used car in June. I thought this is going to put years on to our debt. NOPE!!!! plugged in the figures and to my surprise. We went from 6.8 years to 7.3 years out of debt completely.

I just follow the program...it tells me what to pay how much, when to move monies...it's that easy!!! We still live good.

Over $350,000.00 in debt. We will save $125,566.80 in interest...that would have gone to the banks. Better in our pockets.

Joan M-H

I just want to share a quick testimonial. 8 months ago, I attended a seminar. The Speaker shared a bunch about the  program. I had purchased it a few years back but never was truthful with it, I got frustrated and quit using it. Immediately after that seminar, I started using it again. I am faithfully sticking to the program as it directs me. In 8 months, I have gone from 8 years of debt to 5.5 years. I never worry about how I am spending my money and am very cautious about what I spend it on. I have my fun figured in and we have more fun now than we ever have. My grandchildren's spoiling fund gets used each month and we love it!!! Thank you Charlie Baer. I used to cry when I talked about my debt, now I am free. Never to worry again!

Jaime P.

My husband and I starting using the program in 2011. At that time we were married for less than one year, had two car payments, student loans, and a mortgage from a home we bought in 2009. As a newly married couple we found ourselves trying to rebound financially from the cost of our wedding, manage our combined debts, and save for our future. Within the first two years of using the financial GPS we were able to eliminate both car loans and our student loans, as well as better manage our budget and increase our discretionary income. With the elimination of our loans we were able to pay down the principal of our home.

One of the best features of this program is that it adapts to your life. In 2013 we were blessed with the birth of our first child and saw an increase in our monthly expenses; however, by noting these changes in our account we were able to stay on track financially and continue paying down our mortgage. In just 5 years we built substantial equity in our home, allowing us to build our dream home while also having our second child. The program gives us financial confidence in managing a new mortgage, childcare costs for two children, and planning for future expenses such as replacing a vehicle and purchasing furniture for our new home. Even with all of these new expenses and uncertain increases to our salaries, we are looking forward to being debt free in 10 years. The program is a great tool to help us manage our spending, plan for future expenses, and save thousands of dollars in interest. It is an investment that pays us back over and over again.