After he bought it, my son told me that I needed this program so I called Harold. A lot has happened in the past 2 years to make me glad that I did. I finally realized that I was going broke with the dairy and that I needed to make changes or I was going to lose the farm. I ran a lot of different numbers through the system and was able to strike a balance between what I love doing and preserving my family. It’s been a challenging 2 years but now I’m scheduled to be completely out of debt in 5.5 years instead of losing the farm like so many other dairymen have. Being that dairy is such a crazy business I know that I’m going to need the money that I’m supposed to use for a strategic payment for equipment or cows, but I’ve been able to budget and control expenses that I’ve never done before. I wish some of my friends had gotten this program because I think they would still be in business.

Gid S, Ronks PA

 

Harold put it best when he told me that I didn’t need the DS. He told me I would get out of debt and build wealth without it. I bought it and use it because of what he said next “You just have to ask yourself if you want to do it in 25 years or in 5 years.” I’ll be completely out of debt before my children are in Middle School. Thank you, Harold.

AJ, New Holland PA

 

Before I bought the Debt Shredder I was scheduled to be in debt for 18 more years. One and a half years after starting the program I will own my farm free and clear in just two and a half years. December of 2021 will be one heck of a Christmas!

Ben S, Madisonburg PA

 

When I bought the debt Shredder in 2018 I had 26 years and $898,000.00 left on the farm mortgage and loans. DS showed me I would be out of debt in 8 years. A few months ago I asked Harold 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.

Clair M. Fleetwood PA

 

 

I’m a third generation farmer and didn’t believe the numbers when Harold ran my analysis. Farmers are always broke. I called 3 farmers who have the program and use it. I finally decided to take a chance and buy the program and it works. I know where my money is going and I know why I wasn’t getting ahead before. I also have an emergency fund for the first time. I know it says I’ll be out of debt in 7 more years and I watch the numbers change every month but even if it’s 10 years instead of 7 I’ll be very happy because I was scheduled to be in debt for 26 years and where I come from, 10 years debt free is way better than 26 years in debt.

Merv M, Nathalie VA

 

I was introduced to the DS over a year ago and it was only curiosity that made me ask for an analysis. I thought I was doing very well on my own, I was using excel and knew that strategic payoff was the key to eliminating debt. I had been able to reduce my debt to 5 years down from12 on my own and asked Harold if the DS could do better. He said that there was one way to find out. After he ran the analysis the Debt Shredder was able to reduce my debt to 2 years instead of 5 and save me an additional $38,000.00. Thank you, now I can buy that truck I wanted a lot sooner than I thought I could.

Ken M, Lancaster PA

 

I learned my lesson the hard way. I bought the Debt Shredder in 2017 and thought I could out-think it. DS 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 Harold and told him what I had done and he asked me why I didn’t put it in the program and let DS 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 DS and followed the prompts. When I did that I found out that the DS would have split the $30,000.00 and paid it toward 3 of my loans not just the one. The DS 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.

Dave K, Lititz PA

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I’m a Realtor and I love this program. I’d been looking for something like this for years. I finally have a budget I can use. The program also put me in a position to be able to buy a new house 6 years earlier than I thought I could. I told Harold & Paul that I knew they were making a difference in the community because their names and the Debt Shredder name keep being talked about in the business groups I belong to before I’ve had a chance to mention it. I’ve referred 5 people to them and 3 have bought the program so far.

Chet L, Lancaster PA

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I’m 67 years old and never expected to be in this much debt at my age. I have a good business and rental property income but sometimes life gets in the way when you make other plans. I’ve only had the program for a few months but have already made a strategic payment to my mortgage and cancelled $49,000 in interest in one shot. Before I started this I was supposed to be in debt until I would be 88 years old, now it looks like I will be out of debt in less than the 8 years Harold showed me in the analysis. He was going to save me almost 12 years and $177,000. $49,000.00 of that is already gone. I may see the end of my debt before the world sees the end of me.

Aaron L, Gordonville PA

 

My wife and I have been $500,000.00 in debt for over 25 years. We kept telling ourselves that “next year will be better”. The problem was that next year never got here. Everyone had given up on us and we were getting ready to sell the farm. My brother and my cousin both told me to call Harold and get my numbers. The DS had helped them and might help me. When Harold and Paul ran our numbers, it took us to debt free in 5 years. I told them, “You guys aren’t selling debt shredders, you have a financial ministry and are giving us hope for the first time in our lives.”

John F, Quarryville PA

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When we sat down to review our Debt Shredder analysis, my husband and I were shocked to see that our total debt was over a million dollars! We own two rental properties and a primary residence, which we just bought in the Spring of 2016.  We were used to thinking about the mortgage for each "roof" and the monthly income associated with it, but seeing our debt portfolio tallied as a whole was a bit of a wake-up call for us. I was hoping the Debt Shredder could show us a path to paying that million dollars off more efficiently, and was blown away when the results showed us how we would save over $300,000 in interest payments, and have ALL THREE buildings paid off in eight years instead of 30.  I've heard of paying off your mortgage early, but this is twenty years early. Having our debts paid off in full will coincide with our kids being in middle school, which gives me a sense of peace surrounding paying for their college tuition, and our retirement plan.  I was also pleasantly pleased to learn how paying our debts ahead of the bank schedule will enable our cash accumulation significantly... to the tune of about $3 million "future dollars".  We got started right away, and now that we are a few months in, I'm happy to report that we've already saved several thousand dollars!

Julie L.