American Families are forced to borrow to survive by charging emergency and basic medical needs, co-pays and uncovered procedures to cover escalating health care costs for those insured---or not on their credit cards.

Newport Beach, CA -- (ReleaseWire) -- 01/26/2007 -- As a country, the American people spend nearly 90 cents of every healthcare dollar on the last year of a person's life. This is not the just the elderly, families faced with children born with birth defects or accident victims. The high cost of basic medical care has become a luxury in this free society we pride ourselves of living in---as we secretly close our doors and are afraid to open our credit card bills and be forced to acknowledge our credit card dependency.

Americans financial security is at an all time risk factor and point of no return, as they are forced to use their high interest credit cards to borrow to cover their basic living expenses as medical services escalate. The uncontrollable misfortune of getting sick, or have a family member become ill and the expenses involved, looms in all of our lives.

Credit card debt can ruin a person or a family's credit, making homeownership impossible, impacting career opportunities, not be able to purchase a car and shadowing every aspect of our lives requiring a credit check.

Credit card companies prey on all of us. This is especially true of the ill and disabled by doubling minimum payments, late payment penalties and skyrocketing interest fees. The medically indebted are more likely to be called by bill collectors than the non-medically indebted.

Americans are forced to turn to alternatives that only harm their financial futures more in the long run such as Debt Consolidation, Debt Settlement, Debt Negotiations, Credit Consumer Counseling or Bankruptcy.

"Bankcard companies take advantage of Americans who are vulnerable the most" stated Richard Garcia, Founder of www.educated-wealth.com Garcia goes on to say, " We help American Families eliminate their credit card debt through ethical, moral and completely legal laws passed in congress to protect the consumers through the "Truth And Lending Laws, Fair Credit Billing And Reporting Acts, US Code of Federal Regulations, Usury law and many more to assert their rights and protect them and their credit financial future. Our program educates Americans as to how they can reclaim their credit lives and stop legally paying their credit cards and restore their credit scores.

For more information on eliminating your credit card debt visit us at: www.educated-wealth.com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

There is an unprecedented national movement that is setting the stage for Self-Represented litigants in the Federal and State Courts which was found staggering in 2006! Now entering the first quarter of 2007, professionals offering educational services to their clients for self-representation on legal matters are recording all time high enrollments.

Newport Beach, CA -- (ReleaseWire) -- 01/17/2007 -- The Federal and State Courts have noted the rising increase of litigants appearing without counsel in domestic relations issues such as divorce, custody and child support. Even smaller claims such a tenant/landlord, probate, protective orders, and other civil matters (debt) have seen mothers, fathers and singles citizens representing themselves in court.

"Credit Card Rest In Peace through the educational services of North American Educational Services (NAES) is at the forefront of this trend. For the last 6 years American Consumers with $8000 or more of Credit Card Debt have been able receive the education and tools needed to make informed decisions and to confidently move forward and represent themselves in Court" so said Credit Card RIP Founder, Richard Garcia.

The staff at NAES includes: Former bank compliance division experts and Resource and Financial Education Specialists who have personal experience in utilizing these procedures from start to finish. These procedures include consumer remedies based on 12 C.F.R. (Code of Federal Regulations), the Fair Credit Billing Act, which is taken from Title 15 of the U.S.C. (United States Code) and other applicable federal laws. Additionally, for people with credit concern issues, Debt Relief Educational Services (DRES) provides an educational tutorial based on consumer protection laws as well as a partnership with the nations leading credit repair organization.

The educational process provides them with the best alternative solution to bankruptcy, consolidation, and other remedies that have been proven to be detrimental to their financial situation. To date, DRES has helped thousands of people obtain significant debt relief and restore an incredible amount of freedom back in to their lives!

Several states and many jurisdictions keep track of the numbers of self-represented litigants in their courts. The following list provided by National Center for State Courts of online reports provides a snapshot of statistics in various jurisdictions around the country, divided into four main categories. We will highlight one example from each category.

A. State Court Pro Se Statistics
California Statewide Action Plan for Self-represented Litigants. California Judicial Council Task Force on Self-Represented Litigants (2004). See page 2 for statistics. For example:

· Over 4.3 million court users are self-represented in California.

· For family law cases: 67% of petitioners at filing (72% for largest counties) are self-represented and 80% of petitioners at disposition for dissolution cases are self-represented.

· For unlawful detainer cases: 34% of petitions at filing are self-represented, and over 90% of defendants are self-represented.

B. State Appellate Court Pro Se Statistics
The Future of Self-Represented Litigation: Report from the March 2005 Summit. Williamsburg, VA: National Center for State Courts (2005). This publication provides a wide range of papers describing several innovative solutions to meeting the needs of pro se litigants as well as provides various statistics. For example:

From Paper 1: Framing the Issue by John Greacen, "We have learned the following about programs provided by the courts that serve self represented litigants:

The rates of usage vary dramatically, with only a third of self represented litigants taking advantage of the courts' programs in some jurisdictions, while 80% use the programs in other jurisdictions.

That programs tend to serve many more plaintiffs than defendants (with ratios ranging from a low of 2.5 plaintiffs for every defendant for a high of 15 plaintiffs for every defendant) in family law cases; the converse is true in landlord tenant and debt collection cases."

C. Federal Court Pro Se Statistics
U.S. Bankruptcy Court Statistics. Eastern District of California. Pro se district filings are listed:

· 17% of filings were pro se in January 2006.

· 17% of filings were pro se in February 2006.

· 15% of filings were pro se in March 2006.

D. Other Pro Se Statistics

Ayn Crawley. Trends in Pro Se Litigation. Maryland Legal Assistance Network. Statewide statistics of over 40,000 self-represented users of programs in Maryland in 2002 show:

· 60% were women.

· 44% described themselves as African American and 9% as Hispanic.

· The vast majority had modest incomes.

· Case types:

38% - Divorce/Annulment/Separation

32% - Custody

16% - Child Support

11% - Visitation

3% - Alimony/Name Change and Paternity

Credit Card Rest In Peace / NAES take a cutting edge approach into an industry, which is greatly untapped. There are millions of Americans who suffer from having too much unhealthy debt in their lives. NAES programs offer an opportunity for people to recapture an enormous part of their personal and financial freedom by eliminating this condition. We are changing that old adage about those how represent themselves have a fool for an attorney with a much more empowering adage......Knowledge IS Power.

Your journey to empowerment through knowledge begins at our website Credit Card RIP.

Our primary purpose is to address the overwhelming concern of Americans demanding answers to the volatile changing landscape of the Credit Card Industry. Our mission statement is to relieve Americans from the burden of Debt, one family at a time.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

From this past “Black Friday” to “Greedy Green Monday and now Cyber Bargain Tuesday” the official holiday shopping rush is on! Retailers eagerly listen to the ring of their cash registers and the “perils of plastic” can be heard zipping through bankcard machines, as we charge our way through Santa’s list. Of course, checking it twice, whether they (we) were naughty or nice.

Newport Beach, CA -- (ReleaseWire) -- 12/01/2006 -- This year's "Holiday Spirit" is projected to increase a whopping 7.5 percent increase, in spending and will be estimated to generate approximately one fourth of annual sales for retailers.

American's will spent an average of $1,200 on the pleasure of gift giving in 2005. Spreading "Good Cheer" this holiday season will find consumers plummeting deeper into credit card debt than ever imagined. When consumers go to their mail box in January, they will no doubt be faced with a much higher than expected—credit card bill—"The envelope please!"

Consumers traditionally go over their holiday budget by approximately 20 to 30 percent. However, that's not really what, "gets and keeps" American Families spiraling deeper into credit card debt. It's the deceptive business practices of the banking industry that have a strong arm on them--making sure they stay in debt!

Most credit card companies have, or are in the process of doubling their minimum required payments, along with adding additional "skyrocketing interest rates, hidden fees, deceptive penalties and outrageous late payments" are only a few of their tactics," states Richard Garcia, Founder of Credit Card Rest In Peace (Rip).

"Credit Card Rest In Peace" was founded; to educate American's about their legal right to eliminate all or most of their bankcard debt. By utilizing the "Truth and Lending Law" Americans no longer are forced to be victimized by the credit card companies. This program does not force consumers into Debt consolidation, Debt Settlement, Arbitration, Credit Consumer Counseling or bankruptcy. It does allow consumers to legally stop paying their credit cards and restore their credit scores.

Consumers heavily ($8,000 or more) in DEBT to credit card companies, we can help you. Use banking law, Truth in Lending Law, Fair Credit Billing and Reporting Acts, US Code of Federal Regulations, Usury law, etc, to assert your rights. Through the services of Credit Card RIP your Credit Card Debt will be gone in 12 to 18 months. Should you wish a Settlement specialists will assist you to achieve a win solution. Americans feeling the stress and fear of financial doom mounting daily ...are urged to take action today! And that starts by visiting CreditCardRIP.Com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm