Family First Debt Relief Announces Its Revolutionary and Patent Pending Program for Consumers Struggling with Credit Card Debt

Atlanta, Georgia, September 28th 2006 - Family First Debt Relief shows consumers overwhelmed with debt how to pay based on a percentage of their income, instead of a percentage of what all of their creditors say they owe.

Consumers are not being properly advised that they can protect their home, cannot be penalized by employers for having debt problems and that their wage income is significantly protected against garnishment because of the Consumer Credit Protection Act. Lacking the proper advice, consumers are paying far too much to settle collection accounts. Why would anyone pay more than could be legally required? Many do not understand they can stop harassing collection calls by putting the caller on notice that unwanted calls are a class one misdemeanor and then reading them their rights over the phone, literally, "You have the right to remain silent, etc." Collection calls stop.

Instead of paying cash for a car and having a clear title, the cash is used to purchase an asset that either pays or offsets the monthly payments for the car purchased on credit. Family First Debt Relief provides its customer with the means to do the same but after they have already acquired the bad debt.

"The first debt settlement company abandoned their platform to replace it with ours last year. This is the beginning of a revolutionary improvement in options now available to consumers who need immediate help with their debt situation." says Founder and CEO John Gliha.

The program does not depend upon negotiating, or several years of monthly payments to complete. It is independent of all factors except the consumer's needs and following a process. Settlement and consolidation has an enormous drop out rate, tax consequences, substantial loss of home equity and cash. Nearly everyone completes the Family First Program in six months. Customers retain all of their cash and in fact have an increased net worth compared to when they first began. They are provided assistance with understanding a financial statement and how credit can be used to their advantage, so that they do not repeat the same habits which first caused the debt problems.

The services provided by Family First include intercepting collection calls and mail for those customers who join the program late. "We intercept and respond to collection calls and letters, and maintain a database and reporting function to report collection activities that violate laws. Customers are able to view all correspondences online. These are services even attorneys are not able to offer." says Gliha.

An additional service provides customers with access to its network of attorneys to represent them in defending against any collection lawsuit along with a pay-per-call service via www.9009450100.com to answer any questions about the collection process, even from non-subscribers.

Nominee Exchange® is the core service that has everyone cheering. Detailed at www.nomineeexchange.com, it is the patent pending method of providing debt burdened consumers with a business system that enables them to resolve debt problems by leveraging their cash and income to pay creditors indirectly. It takes only six months to complete and prevents wage garnishments, bank levies and loss of home equity without transferring assets, while also providing those having credit problems, with a viable credit alternative that does not depend on their personal credit history. Gliha knew you could not really fight the credit or collection system, so he created a system to protect the income and property of consumers without transferring assets or expensive estate planning projects.

The cost of these services range from a hundred dollars a month to a one time fee of several thousand dollars, still many, many times less than settlement, consolidation and bankruptcy. Nominee Exchange® is a registered trade mark of Due Process LTD. Family First Debt Relief was founded in 1993 to provide consumers with a better alternative for their debt problems than the outdated settlement and consolidation programs.

For additional information about Family First Debt Relief, contact John Gliha via manager@nomineeexchange.com and visit www.nomineeexchange.com.
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