The 3-Ds (Debt, Doubt, and Discouragement) are three Self-Inflicted Stresses that plague the lives of most people. One can’t totally divest themselves of stress because there are types of distress, like illness and accidents, that are beyond our control, but that's not the case with Debt and Doubt.

For example, we can guarantee that we can help anyone to get out of debt if they will honestly work our program. The problem is that it’s like getting healthy, one has to do more than just go to the gym once in a while, but needs to faithfully exercise and eat right for as long as it takes.

In the case of becoming financially fit, one has to faithfully open the manual(s) and do the exercises in order to lose those pounds of ugly debt.

What many have found out when doing the program that it helps them to save enough of their own money to more than pay for it and much more.

So, in order for the Debt Resolution program to work it is critical that the individual believes in him or herself. This is called Emotional Resiliency and we have that program, too.

Otherwise, discouragement will set in and there will only be a short burst of activity followed by yet another failure. One has to believe that it can be done and that he or she can do it in order for these programs to succeed.