Need to ask

[jobGONE]

Has anyone heard how "Transform debt to wealth" programs work? Is it better to pay back over time or just file? Im from MI and about 50K CC debt. Husband has no debt and he refied our home in his name last summer, pretty much upside down in that now. Want to do 7 under just my name with out it hurting him.
The means test, is it GROSS income or NET? If I file myself how do I seperate the bills?

[Trixie007]

From what I've seen he teaches some pretty basic stuff for getting out of debt: cut expenses, lifestyle changes, have and use a budget, using the snowball method for paying off debt. All good things that you really don't need to pay money to learn... and not very helpful if you're in a crisis and need the relief of BK.

It also looks like for building wealth he talks about internet marketing and making money with Real Estate... now that part sounds like a scam.

Google "transforming debt into wealth scam"