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I wonder how many other "experts" have been as deep in debt and worked their way out of it
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He actually declared bankruptcy and didn't work is way out of a lot of the debts. He was in
way over his head.
I totally respect DR for the energy he puts into his work. He has change hundreds of thousands of people's lives. Let's not forget Dealsaver, that he has counseled one-on-one an absolute enormous amount of people, and talked to thousands more on the radio. No offense, but I think he has a very good idea of what works for people and what doesn't based on his experience helping people. Can you say the same? If the other strategy worked for them, I'm sure he'd push that one. And you
know he has no hidden agenda to make the CC companies more money.
I don't agree with his points on abstaining from CCs, I think there are some advantages and they can be managed quite easily. I also don't believe in 12%, as the OP mentioned.