How SeeBeyond worked for Bob

See Beyond 20/20 takes the money Bob has designated towards paying off his debt and sends him an email every month show him exactly how much to pay towards each bill.

Bob’s plan shows him how to distribute his money in a way that will save thousands in interest and get him out of debt years sooner.

If at any point Bob decides to put more money towards his debt, See Beyond 20/20 will calculate a way for him to become debt free even faster.

The 20/20 Analysis Calculator has been tested against six other top online debt calculators. Each time, it was proved the better product, saving you the most money on interest and saving you the most time in getting out of debt! College professors have been asked to attempt to beat our plan, but have only come close to the savings that we can provide you.

A team of web programmers and financial advisors worked for 9 months developing the 20/20 Analysis Calculator. What was our goal? Unlike the thousands of “get out of debt, fast!” programs, our goal has always been debt freedom for those who need help. So, in addition to having the better product, we also charge you considerably less for its use.

Our 20/20 Analysis travels down your specific road toward debt freedom instantaneously! It evaluates each monthly pay period to decide how best to use the money that you’ve dedicated toward your debt bills. For just $59 a year, we can save you thousands of dollars of interest, and years of debt! At a time of a crisis of credit, SeeBeyond 2020 provides an answer to debt. Click here to view a video that lays out the National Credit Crisis.

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Let's first rule out what the 20/20 Analysis is not:

• It is not a program that bargains with your creditors.
• It is not a program that discounts any of the principle that you owe.
• It is not a “get out of debt, fast!” program that seeks to scam or entrap you.

Now for what the 20/20 Analysis does:

• Takes the money you already have, and allocates it to quickly get you on top.
• Sets you up on a debt-free plan that is in your best interest – not the debtor’s.
• Helps you to uncover new ways to reduce you bills and allocate more to your debt payoff.

Who is it for?

• Anyone that has more than one loan to pay off.
• Anyone who can pay their loans' monthly minimum payments.

Therefore, if you are not able to pay the minimum requirement for your monthly bills, the calculator has no money to redistribute in an efficient way. However, all registered users have access to a Budget Creator program that helps you to keep track of where your take-home income is going.

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Debt Consolidation:

Debt consolidation can be a very scary process after a little light is shed on this get-out-of-debt program. Debt consolidation is a loan with an interest rate and fees. Most people with less than perfect credit will find that it is not easy to acquire one. Just because your monthly payment might go down does not mean that it is the best thing for your finances. Many times you will find yourself getting out of debt years later than with your original debt. Bottom line: the more debt you have, the more money the debt consolidation company makes.

How do Debt Consolidation Companies make money?

• Interest rate – The consolidation loan itself has an interest rate and can be as high as 22%.
• Processing fees – Every time money changes hands there is usually a processing fee that can be as high as 15%.

What about Non-Profit Debt Consolidation Companies?

Most people think non-profit debt consolidation companies cannot possibly be profiting from you because they aren’t allowed to make money. Actually, this is a false perception. Most non-profit debt consolidation companies file as a 501(c)(3) non-profit organization. A non-profit organization does not distribute its profit to owners or shareholders, but instead uses them to help pursue its goals. Let's use a non-profit hospital as an example. Just because the hospital is a non-profit does not mean the doctors don’t make huge salaries. It just means that the profit that the hospital makes must be used to pursue its goals.

Debt Relief:

Debt Relief is a term used in the debt help industry very loosely. It can mean credit counseling, debt consolidation, or bankruptcy.

Credit Counseling:

Credit counseling uses negotiation as its main tool to lower your debt. Credit counseling companies make money by charging an upfront fee that can be as high as $3,000. They also receive a percentage or flat fee paid to them by the lender themselves. Some credit counseling companies also require you to make payments to them directly, thereby incurring a processing fee for each transaction. Most of the time, with just a quick phone call to your non-secured debtor, you can negotiate a lower interest rate on your own without credit counseling.

Bankruptcy:

Bankruptcy is listed as one of the top five most stressful things an individual can go though. It is not an answer to eliminate all your debt. Student loans, child support, taxes, and alimony are just a few of the debt items that will not be erased. Bankruptcy will absolutely devastate your credit score directly for seven years and will follow you well after that. Job applications and future loan applications will ask if you have filed for bankruptcy. If at all possible it is better to pay for the debt you have incurred.

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Yes! Just listen to the testimony of people just like you, whose lives were changed:

"We filled out our 20/20 Analysis and we were able to see that, had we stayed on the same payment plan, it was going to take 48 years 11 months before we could become debt-free. Now with your program, we can be debt free in 8 years and 6 months! How exciting! And that is just the beginning. We have been able to dream bigger dreams than we ever dared before. Thank you from the bottom of our hearts."
Chris and Julie - Tampa, FL

"Not spending any more dollars per month, they took me from being in debt 32 years and 8 months, to being completely debt-free in 9 years and 4 months -- including the mortgage on my house. That's 1/3 the time. My savings in interest was over $112,000. Knowing how to pay down my debt and be out from under the burden of it is like receiving oxygen to a man out of breath. Thank you, I really can see better than 20/20!"
Jon and Heather - Colorado Springs, CO

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In addition to our 20/20 Debt Action Plan, every registered user becomes part of the See Beyond online community. Your See Beyond team is working hard to make See Beyond a place where you can create your own user profile, interact with other people who are in a similar boat as yourself, create a budget, and set goals for future purchases!

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