Gid S. Ronks, PA

After he bought it, my son told me that I needed this program (Debt Shredder), 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.

AJ. New Holland 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.

Ben S. Madisonburg 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!

Clair M. Fleetwood 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.

Merv M. Nathalie VA

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.

Ken M. Lancaster PA

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 from 12 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 paying 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.

Dave K. Lititz 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.

Chet L. Lancaster PA

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.

John F. Quarryville PA

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.”

Chris S. Reading PA

In July of 2011, I had 27 years to go on my 30-year mortgage, $30,000 in credit card debt, $5000 on a line of credit, and only $200 of cash left over at the end of every month. There was $80,000 of debt hanging over my head. I was paying $1,246 in interest out of $1,636 in credit card and mortgage payments every month. Only $390 was going toward principal. I started the Debt Shredder program because I didn’t have an escape route out of debt.

In the first 2 years, as of August 2013, I eliminated $17,871 of my $35,000 in credit card and LOC debt. I had $1,072 of disposable income left over at the end of every month now, compared to the $200 left over just 2 years prior. I should be debt free within the next 4 years, far ahead of the bank’s schedule of 27 years. So far, I have saved (prevented) $42,000 in interest from going to the banks. My credit score went from fair, 620 to very good, around 754 as of June 2016. I am very thankful that I listened to the person who told me about this program. I took a leap of faith and a calculated risk, and it turned out very well.

Jim R.

I started using the Debt Shredder on January 1, 2014, at that time, we had three mortgages totaling $117,025.97. To date, June 6, 2016, I was able to pay off two of the mortgages and reduce our debt to $28,096.54 and we saved about $46,242.63 in interest. It was hard to imagine being debt free, but on March 10, 2017, Praise God , it will be real for my family. I can’t wait!!

I highly recommend this program, the success I am having with it changed my outlook on life, it gives me confidence and it put me in position to stop worrying about retirement and start planning for it.

Thanks and make it a great day!!

Monica M.

With 26 years left on a 30 year mortgage, over $70,000 in credit card debt, 3 car payments, a Harley payment, and twin girls in college. I was stressed every week paying bills. I thought I was doing good with paying extra on each bill. We were going nowhere…

Then in November 2015 we started with Debt Shredder. So far as of July 2017 we paid off 2 credit cards.

We needed a 4 door car (hated to give up my convertible – 2 grand-kids) another used car in June. I thought this is going to put years on to our debt. NOPE!!!! I plugged in the figures and to my surprise. We went from 6.8 years to 7.3 years out of debt completely.

I just follow the program…it tells me what to pay how much, when to move monies…it’s that easy!!! We still live good.

Over $350,000.00 in debt. We will save $125,566.80 in interest…that would have gone to the banks. Better in our pockets.

Anthony D. & Lisa B.

Testimonial: My husband Anthony & I have used the Debt Shredder program since October 2016 and we have already saved over $4800 in interest

Joan M-H

I just want to share a quick testimonial. 8 months ago, I attended a seminar. The Speaker shared a bunch about the debt shredder program. I had purchased it a few years back but never was truthful with the program, got frustrated and quit using it. Immediately after that seminar, I started using it again. I am faithfully sticking to the program as it directs me. In 8 months, I have gone from 8 years of debt to 5.5 years. I never worry about how I am spending my money and am very cautious about what I spend it on. I have my fun figured in and we have more fun now than we ever have. My grandchildren’s spoiling fund gets used each month and we love it!!! Thank you Charlie Baer. I used to cry when I talked about my debt, now I am free. Never to worry again!

Jaime P.

My husband and I starting using the Debt Shredder program in 2011. At that time we were married for less than one year, had two car payments, student loans, and a mortgage from a home we bought in 2009. As a newly married couple we found ourselves trying to rebound financially from the cost of our wedding, manage our combined debts, and save for our future. Within the first two years of using the Debt Shredder we were able to eliminate both car loans and our student loans, as well as better manage our budget and increase our discretionary income. With the elimination of our loans we were able to pay down the principal of our home.

One of the best features of this program is that it adapts to your life. In 2013 we were blessed with the birth of our first child and saw an increase in our monthly expenses; however, by noting these changes in our account we were able to stay on track financially and continue paying down our mortgage. In just 5 years we built substantial equity in our home, allowing us to build our dream home while also having our second child. The Debt Shredder gives us financial confidence in managing a new mortgage, childcare costs for two children, and planning for future expenses such as replacing a vehicle and purchasing furniture for our new home. Even with all of these new expenses and uncertain increases to our salaries, we are looking forward to being debt free in 10 years. The Debt Shredder is a great tool to help us manage our spending, plan for future expenses, and save thousands of dollars in interest. It is an investment that pays us back over and over again.

Hugh W. & Cheryl J.

Cheryl & I bought a home together in 2016 with a 30 year mortgage. We have reached a place in life where that and a few credit cards we pay every month, are the only debt we have. The mortgage people very happily told us about the low 3.625% APR and the low(er) monthly payment we would have. What they glossed right over was that if we paid the loan off as we contracted we would pay $89,850 in interest.

Update on our DEBT SHREDDER: 3-3/4 years after getting our DS we have already saved $14,402 in interest.  We are on track to pay it off in just 8.5 more Years. We will save a total of about $50,000 when we are done!

Chuck D.

I bought my house for $112,000 in 2014 with a 30 year mortgage and I’m currently carrying $148,000 worth of debt…I bought the Debt Shredder in August and I’m on track to be debt free in 6 years and saving $62,000 in interest…in a little over 2 months I’ve already saved $1100

Lori E.

I’m excited! We just trimmed 17 1/2 years off of our 30 year mortgage with the financial software we just set up! It’ll be paid off in 12 1/2 years without refinancing or doing anything crazy. So cool!

Feddy A.  Shepherdstown, WV

Our Debt Shredder program is amazing – it has definitely transformed our finances. So far, we have canceled $24,869 in interest. The software is actually suggesting we can “splurge” a little. So, what could we do, take a mini-vacation? Or maybe buy a new set of golf clubs?





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