Posted in Finances

Fourth  Of July--So Are You Truly Free? And, What Does It Have To Do With Debt? By Steven Ciantro


Steven Ciantro is a certified credit counselor, a management representative of American Debt Enders, and a former finalist in Inc. magazine and Ernst and Young’s Entrepreneur of the Year contest. He is also a Talk-Show Radio Host and successful published songwriter and musician (his album January Tyme can be heard on YouTube), the inventor of a patented medical device, a public speaker on debt issues, and the official debt expert for motivational speaker Gail Kasper’s Top 1% Club.


The big summer holiday is upon us. The day we celebrate the signing of the Declaration of Independence, July 4th 1776, to commemorate our hard won freedom from Britain. The Declaration was signed by 56 men, all of whom suffered great adversity after signing, the scope of their hardship  is beyond this article.


The signing of this document and its spirit speaks to much more than freedom from the  oppression from Great Britain. Ever hear of Debtors Prison?  In Great Britain if you owed a debt and could not pay it,  or defaulted, you were put into debtors prison until the debt was paid. Talk about oppression. This policy tied  freedom directly to being debt free. How could you pay  the debt if you were in prison? Debtors prison was outlawed  in the United States by the founding fathers. This is why you cannot be arrested for owing money, unless you perpetrated a fraud. Imagine, how times have changed. Today we scream about garnishments and creditor  phone calls. We want to sue the debt collector for harassment, even if we really owe the money.


Some consumers actually call me to try to learn how to use the law to avoid repaying a valid debt. May I take the liberty of saying, this is no way to live. You will never be blessed operating in this manner.


Please do not misunderstand this article or it's purpose. If you are a consumer in debt trouble, we are the team you want on your side. We want you to "Live long and prosper". Being debt free will give you a much richer life. You will become self empowered in all the areas of your life, and be a much happier and fulfilled person. These things are facts, I know because I have lived through them.


If you are in debt trouble, you may need some credit counseling. So what does a FREE Credit Counseling (Links to session consist of: First, to help you formulate a plan to get on the road to recovery. Second, to get the plan implemented  in a way that fits in with the rest of your life.


You tell us the details, and we will do the analysis with you so if you need some help, or have a question, simply contact us.


If you would like to subscribe to the FREE Credit Counseling Newsletter, simply leave your email address here. We never share your information. If you have a debt problem and need free credit counseling, feel free to contact me at or 877-766-246. 


ABOUT STEVEN CIANTRO: Steven is well suited to advising on debt issues. Growing up from humble beginnings, he personally made a fortune from nothing in his earlier years and lost it. The experience completely altered his value system. It seemed every professional debt expert Steven and his wife spoke to wanted to put them into even more debt to help them. It took years for them to untangle the financial mess, which they ultimately did on their own, gaining a tremendous education in the process. However, the experience left Steven with chronic kidney disease, which he still battles today. In 2004, Steven found work at a national nonprofit credit counseling company. After six months, he became regional manager; Steven had found a new calling. He is in the unique position of not only being a true expert on debt relief issues, but also understanding firsthand how oppressive debt can be. In 2006, American Debt Enders was started as a company that would offer free credit counseling; it was among the first companies in the nation to use the business model of offering multiple debt relief programs and solutions under the same roof.


This article is courtesy of the Top 1% Club and the Top 1% Club Mentor Gail Kasper. For additional information on Gail Kasper, her television appearances and speaking engagements, please visit