CrushingDebts.com — Offer Stack v3
Knowledge first. Tangible tools. Prices that respect broke and scared people. Now with car protection, partner conversation guide, and debt-type-specific modules.
Our Promise
These people are broke and scared. We are NOT another predatory system. Every product gives them something tangible they can hold, use, and see results from. Sheets, calculators, checklists, flashcards, glossaries, videos. Real tools. Fair prices. We save people money, time, and anxiety.
Front-End Offer
Everything you need to survive the first 30 days. Works for credit cards, medical bills, tax debt, payday loans, and collections. Tangible tools you can open and use tonight.
What You'll Learn to NEVER Do (before anything else)
- Never admit the debt is yours - even saying "I know I owe" can reset the statute of limitations
- Never make a payment - even $5 restarts the entire payment period and can revive time-barred debt
- Never give bank info over the phone - collectors will say anything to get account numbers
- Never agree to a payment plan on the first call - they're trained to close you under pressure
- Never ignore a lawsuit summons - not showing up = automatic judgment and wage garnishment
Tangible Tools Inside (download and use today)
- 📊 Google Sheet: Debt Tracker - every debt, every balance, every interest rate, every minimum payment. Auto-calculates total debt and total interest paid
- 🧮 Google Sheet: Interest Calculator - see exactly how much you're paying in interest per month and per year. The number that shocks people into action
- 📋 10-Step Crisis Checklist - printable, check-off-as-you-go. Day 1 through day 7
- 📖 Debt Vocabulary Glossary - 40+ terms explained in plain English. No jargon.
- ⚡ 7-Day Action Plan - day-by-day roadmap from "I'm drowning" to "I have a plan"
- 🛡️ Debt Collector Call Scripts - exact words to say and NOT say, with the REASON behind each line
- 🏥 Medical Debt Addendum - charity care programs, financial hardship letters, hospital negotiation scripts
- 📋 Tax Debt Addendum - IRS Offer in Compromise basics, installment agreement templates, what the IRS can and can't take
Research Insight (from 20-problem analysis)
Medical debt (#10) and tax debt (#9) are top-10 crisis searches. People with these specific debts often don't realize a general "debt kit" applies to them. The addendums make it explicit: "this is for you too." Single biggest conversion unlock for these audiences.
Knowledge Layer
How debt collectors work (they buy debt for pennies), what they're legally allowed to do vs. bluff, FDCPA rules, why silence is your best move
Shame Reduction Enhanced
"You're not bad with money. You were never taught." 5 shame-reframe cards included free. "What's going to happen to me" FAQ answering the 15 scariest midnight questions.
For the person Googling at 2am
You're not bad with money. You're in a system designed to keep you broke. This kit won't judge you. It won't upsell you. It gives you tools and knowledge to stop the bleeding, understand what's happening, and take the first steps. Whether it's credit cards, medical bills, the IRS, or collectors calling - you have options.
The Glossary saves hours of confusion. The Interest Calculator shows you the number that changes everything. The Checklist gives you something to DO tonight. The medical and tax addendums make sure nobody falls through the cracks.
Order Bump 1 — Checkout Add-On
Your car is your lifeline. If you're behind on payments, worried about repo, or it's already happened - this is your playbook. Save your car or get it back.
What You'll Learn to NEVER Do
- Never hide the car - it's illegal in most states and makes things worse
- Never ignore repo warnings - the timeline is shorter than you think
- Never sign a "voluntary surrender" - you still owe the difference AND lose the car
- Never assume it's too late - most states have a reinstatement window even after repo
- Never pay a "repo recovery" company upfront - most are scams preying on desperate people
Tangible Tools Inside
- 📊 Google Sheet: Car Payment Calculator - see exactly where you stand: how much you owe, how far behind, what it costs to reinstate vs. surrender
- 📋 Creditor Negotiation Script - exact words to call your lender and ask for a deferment, loan modification, or payment plan. With the legal reasoning behind each ask
- 📬 Hardship Letter Template - fill-in-the-blank letter to your auto lender explaining your situation. Most lenders have hardship programs they don't advertise
- 📅 Repo Timeline by State - how many days missed before repo is legal, your reinstatement rights, and the grace period in your state
- ⚖️ "Know Your Rights" Card - what repo agents can and can't do (they can't breach the peace, enter your garage, or threaten you)
- 🆘 Emergency Options List - 0% emergency loans (EarnIn, Dave, Brigit), credit union PALs, and community programs that can help with car payments specifically
Knowledge That Saves Your Car
- Reinstatement rights: in most states you can get your car back even AFTER repo by paying the past-due amount + repo costs
- The "breach of peace" rule: repo agents can't break into your garage, threaten you, or take the car if you object (in some states)
- Loan modification: most auto lenders have hardship programs. They'd rather modify your loan than repo the car (repo costs them money too)
- The deficiency balance trap: if they repo and sell the car for less than you owe, you STILL owe the difference. Voluntary surrender doesn't erase the debt
- Chapter 13 can save your car: unlike Chapter 7, Chapter 13 lets you catch up on car payments over 3-5 years
For the person who needs their car to get to work
Losing your car doesn't just mean losing transportation. It means losing your job. Losing your income. Losing everything. This kit gives you the tools, scripts, and knowledge to fight for your car - or get it back if it's already gone. You have more rights than they want you to know.
- Buyer enters state and lender info on GHL form
- Claude generates state-specific scripts, rights card, and timeline
- Google Sheet + PDFs emailed within 2 minutes
Type
Done-For-You (AI-delivered)
Why it's a 1-click yes: Car repossession is problem #5 in the research - a crisis-level fear. The reinstatement calculator alone could save someone thousands. The negotiation script has the legal reasoning behind every line. $27 to potentially save your car and your job.
Order Bump 2 — Checkout Add-On
15 state-specific scripts with the legal reasoning behind each one. PLUS a guide to the predatory companies that claim to "help" you - who to avoid and why.
Predatory Vendors You'll Learn to Spot
- "Debt settlement" companies - charge 15-25% of your debt, many are scams. Here's the math
- "We can refinance your debt" - often just moves debt to higher interest. Here's how to check
- "Credit repair" services - most do things you can do yourself for free
- "Payday loan consolidation" - often just another payday loan with better marketing
- "Government relief programs" - most don't exist. Here's what actually does
Tangible Tools Inside
- 📄 15 Fillable PDF Scripts - state-specific, fill in the blanks, use in 5 minutes
- 📋 Collector Call Log Template - document every call for FDCPA violations (Google Sheet)
- 🚫 Predatory Vendor Checklist - 10 red flags to check before trusting any "debt help" company
- 📬 Cease-and-Desist Letter Templates - stop collector harassment legally
- ⚖️ Credit Dispute Templates - 6 types with the legal language that gets results
Why it's a 1-click yes: Research problem #12: "Should I use a debt settlement company?" is a top search. The Predatory Vendor Guide alone could save them hundreds they'd waste on scam companies. The scripts have the WHY behind every line.
Order Bump 3 — Checkout Add-On
12 tricks collectors use to trap you, exactly how to counter each one, and FDCPA violation letters that can trigger $1,000-per-violation penalties against THEM.
The 12 Traps You'll Learn to Dodge
- "We can settle for 60% right now" - they bought your debt for 4 cents. Here's what to actually offer
- "We're going to garnish your wages" - they can't without a court judgment. This is a bluff
- "This call is being recorded" - recorded to get you to admit the debt. Say nothing
- "Your family/employer will find out" - illegal under FDCPA. Document it. $1,000 violation
- "You need to pay today" - artificial urgency. There is no "today" deadline
Tangible Tools Inside
- 🎯 Quick Reference Card - printable, keep by your phone. Every trap + what to say
- 📝 FDCPA Violation Letter Templates - 3 types that trigger $1,000 penalties
- 📅 State Statute of Limitations Card - by state, by debt type
- ⚖️ "When to Get a Lawyer" Decision Tree - most cases you handle yourself
- 📒 Violation Documentation Log - Google Sheet to track every illegal thing they do
Why it's a 1-click yes: The FDCPA violation letters flip the psychology from "spending money" to "this could PAY me." $1,000 per violation. The Quick Reference Card by the phone means they're never caught off guard.
Upsell 1 — Post-Checkout Offer
The complete debt elimination toolkit. Payoff calculator, budget sheets, creditor templates, mindset content, and a step-by-step plan to actually get out.
Tangible Tools Inside
- 📊 Google Sheet: Payoff Calculator - enter all debts, see your debt-free date under 3 strategies (avalanche, snowball, hybrid). Auto-calculates interest saved
- 📊 Google Sheet: Monthly Budget Builder - pre-built categories, auto-totals. Designed for people who've never budgeted
- 📊 Google Sheet: Creditor Contact Tracker - every creditor, every call, every letter, every response. Your paper trail
- 📊 Google Sheet: "$0 Budget" Planner NEW - for people who have literally nothing left. Prioritizes survival first, debt second
- 🧠 Mindset Flashcard Deck - 30 reframe cards for the moments when shame hits. Digital, printable
- 🎥 5 Mindset Videos - short (3-5 min). Money shame, comparison trap, talking about debt, why budgeting isn't punishment, the first $1,000
- 💬 The Conversation Guide NEW - how to tell your partner about debt without destroying your relationship. Scripts, timing, framework. For the #13 problem nobody talks about
- 📋 Creditor Letter Templates - payment plan requests, hardship letters, settlement offers, goodwill adjustment requests
- 📬 Pay-for-Delete Negotiation Guide - how to negotiate removal from your credit report
Research Insight
Problem #13 ("How do I talk to my spouse about debt") is deeply emotional and highly searchable. Problem #15 ("How do I budget with no money") reveals that standard budgeting advice fails people with nothing. The Conversation Guide and $0 Budget Planner directly address these gaps.
For the overwhelmed
You don't have to figure this out alone. The Payoff Calculator shows you a real date when you'll be debt-free. The $0 Budget Planner works even when there's nothing left. The Conversation Guide gives you the words for the hardest talk of your life. The Mindset Videos are there for the 11pm moments when shame hits hardest.
Why it's a 1-click yes at $47: The Payoff Calculator alone shows you a calculated date. The Conversation Guide solves a problem people Google at midnight. The $0 Budget Planner works when nothing else does. $47 is less than one late fee.
Upsell 2 — The Bigger Picture
The crisis-to-wealth transformation. Money mindset rewrite, income accelerator, savings system, and the path forward - from surviving to thriving.
Tangible Tools Inside
- 🧠 Money Mindset Rewrite Workbook - identify your money stories, rewrite the ones keeping you stuck, build new beliefs
- 📊 Google Sheet: Income Tracker - track every income stream and side hustle earnings
- 💰 15 Side Hustle Starter Kits - what it is, how to start with $0, expected earnings, step-by-step first week
- 📊 Google Sheet: Irregular Income Budget Planner NEW - the "base income" method for freelancers, gig workers, and anyone without a steady paycheck
- 📊 Google Sheet: Savings Automation Planner - set up automatic transfers, track emergency fund progress
- 🎥 Money Mindset Video Series - 5 videos on scarcity beliefs, comparison trap, talking about money, saving, first $1,000
- 📖 Glossary: Investing & Savings Terms - 30+ terms in plain English for people who've never invested
Research Insight
Problem #20 ("How do I make extra money") is a top ongoing search. Gig workers and entrepreneurs (#4 niche) specifically struggle with irregular income budgeting. The Irregular Income Planner addresses a gap no competitor fills - standard budgeting assumes a steady paycheck.
For the "what comes next" moment
You survived the crisis. You have a plan. Now what? This is the bridge from "getting by" to "getting ahead." The mindset work is real - not woo-woo, not toxic positivity. It's understanding why you think about money the way you do. The side hustle kits are for people with zero capital. Start where you are.
Why it's a 1-click yes at $47: The brand promise: "From surviving to thriving." The Irregular Income Planner alone is worth $47 for anyone without a steady paycheck. The mindset work is the foundation. The side hustles are the engine.
Upsell 3 — Recurring Community
Monthly community + new tools + money-making resources + ongoing support. Debt escape AND wealth building, every month.
What They Get Every Month
- 📊 1 New Google Sheet Tool - rotating: new calculators, trackers, planning tools, templates
- 💰 1 New Side Hustle Deep Dive - detailed breakdown with step-by-step setup and expected earnings
- 🧠 Monthly Mindset Module - new video or workbook on a specific money topic
- 📬 "Ask the AI" Session - submit your situation, get personalized analysis
- 👥 Private Community - accountability, shared wins, real talk
- 📋 Monthly Progress Check-In Email - automated debt-to-wealth tracking
For the long game
Getting out of debt is a marathon. The Inner Circle is the support system for the journey. New tools every month. New income ideas. A community that celebrates your $500 payoff the same way they celebrate your first $1,000 side hustle month. $27/month. Cancel anytime.
Why it's a 1-click yes at $27/mo: New tangible tools every month. Income ideas alongside debt escape. Community that doesn't judge. $27/month is less than one late fee.
Funnel Economics
Revenue Per 100 Front-End Sales
| Slot | Product | Price | Take Rate | Revenue |
|---|
| Front-End | The Creditor Defense Kit | $27 | 100% | $2,700 |
| Bump 1 | The Car Protection Kit | $27 | 30% | $810 |
| Bump 2 | Silence Scripts + Predatory Guide | $27 | 30% | $810 |
| Bump 3 | Debt Collector Trap Detector | $37 | 15% | $555 |
| Upsell 1 | The Debt Escape System | $47 | 20% | $940 |
| Upsell 2 | The Wealth Rebuild Blueprint | $47 | 15% | $705 |
| Total (one-time revenue) | $6,520 |
Effective Revenue Per Sale
$65.20
Higher than v2 ($59.56) thanks to 3rd bump
Recurring Potential (at 100 members)
$2,700/mo
$32,400/year in recurring revenue
What Changed from v2
v2 vs v3
| Dimension | v2 | v3 |
|---|
| Funnel Steps | 5 (2 bumps) | 7 (3 bumps + 2 upsells + recurring) |
| Bump 1 | Silence Scripts ($27) | Car Protection Kit ($27) - NEW |
| Bump 2 | Trap Detector ($37) | Silence Scripts ($27) - moved, price dropped |
| Bump 3 | n/a | Trap Detector ($37) - moved from Bump 2 |
| Max Cart | $138 | $205 |
| Eff. Revenue | $59.56 | $65.20 |
| Medical/Tax Coverage | Not explicit | Addendums in front-end |
| Shame Reduction | In Upsell 1 | Moved to front-end (5 cards free) |
| Conversation Guide | Not included | In Upsell 1 - NEW |
| Car Protection | Not included | Bump 1 - NEW |
| $0 Budget Planner | Not included | In Upsell 1 - NEW |
| Irregular Income Planner | Not included | In Upsell 2 - NEW |
The Journey
From Crisis to Building
Stop the Bleeding
$27 Kit
→
→
→
Build the Plan
$47 Escape
→
Start Building
$47 Rebuild
→
Every step gives them something tangible. Every price respects where they are. The goal is transformation, not extraction.