DPThe Debt Playbook
    Get The Debt Playbook Free | How I Eliminated $516,000 in Debt

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    📖 Free PDF — 27,000 words

    The exact playbook I used to eliminate $516,000 in debt — without paying a single professional.

    IRS debt. State tax. Business loans. Credit cards. Real numbers, real settlements, and the scripts I used at every step. Free, because the people who needed this most couldn't afford it.

    By Francis Nzeutem — Founder, The Debt Playbook

    "I sat at my kitchen table staring at $616,000 in debt. A debt advisor wanted $8,000 just to set up a payment plan. I said no — and eliminated $516,000 myself. This book is everything I learned, written so you don't have to start from zero."

    — Francis Nzeutem

    $516K
    debt eliminated
    12
    chapters
    $0
    to download

    What you'll actually get

    Specific tactics, real numbers, and the negotiation language that worked.

    ✓How I settled $120,000 in IRS debt for $25,000 — the exact OIC process
    ✓State tax negotiation — $30,000 reduced to $5,000
    ✓Business loan settlement — $155,000 to $50,000 over 36 months
    ✓Credit card elimination — $100,000 to $20,000 without a settlement company
    ✓When NOT to fight — why I kept my SBA loan
    ✓The skills that transfer — from debt to career success
    ✓Complete IRS OIC reference guide and appendix
    ✓Word-for-word negotiation scripts that worked

    Who this book is for

    Honest fit check — please skip the download if it's not you.

    ✓You owe $20K+ across IRS, business, or credit card debt
    ✓You want to understand your options before paying anyone
    ✓You're willing to read and apply a real playbook
    ✕You want a magic shortcut that erases debt overnight
    ✕You only owe a small balance you can pay off in a few months
    ✕You want someone else to do everything for you

    What happens after you sign up

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    Instant email

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    Read at your pace

    Skim the chapter that matches your situation first. Most readers start with the IRS or credit card chapters.

    3

    Optional weekly tips

    You'll get a short Tuesday email with one practical debt strategy. One click unsubscribes — your book stays yours.

    The 12-chapter playbook

    27,000 words. Every chapter ties to a real number.

    Introduction
    From $616K Crisis to Freedom
    Chapter 5
    Cracking the IRS Code
    $120K → $25K
    Chapter 6
    State Tax Surprise
    $30K → $5K
    Chapter 7
    Business Loan Warfare
    $155K → $50K
    Chapter 9
    Credit Card Conquest
    $100K → $20K
    Chapter 10
    When NOT to Fight
    The SBA decision
    Chapter 12
    Skills That Transfer
    From debt to career
    Appendix A
    Complete OIC Reference
    Forms, scripts, timeline

    Ready for the book?

    Same offer as above — free PDF, sent to your inbox right away.

    We'll email the PDF link right away. You'll also be added to a free weekly debt strategy email — one practical tip every Tuesday. Unsubscribe in one click anytime; the book stays yours.