Part instruction manual, part self-help book, and part supplement to the larger website DebtCleanse.com, Jorge P. Newbery’s Debt Cleanse: How to Settle Your Unffordable Debts for Pennies on the Dollar (And Not Pay Some at All) is a definitive and comprehensive guide with the goal of lifting the reader forever out of the crippling debt that sadly weighs millions of Americans down.

Newbery starts out with an amazing set of stats. Literally millions of Americans are saddled with various forms of debt. Some of this debt is so enormous that victims often feel that they (or even their offspring) will never be free of it. Newbery himself once suffered from that kind of debtor’s fear. As he so candidly admits, at one point in his career as a businessman, he was more than twenty-six million dollars in debt. But today he is relatively debt free. Sounds impossible? Newbery’s guide explains step-by-step how he was able to get out of that crippling figure by paying just a small fraction of it. In addition, he provides hundreds of insightful tips, tools, and tactics to help anyone who finds themselves in debt eventually become debt free after paying only a very small portion of the total cost.

After an introductory chapter in which Newbery gives the reader his background and a brief introduction to the vision behind Debt Cleanse and the accompanying website, the next section goes on to provide an extensive list of vocabulary words that any reader looking for get rid of his or her debt you would do well to memorize.

The third chapter clarifies the steps necessary to begin debt cleaning. Some of these steps, especially on first reading, may seem radical, even downright illicit, but could ultimately prove immensely helpful to someone looking to finally get out of debt. Here Newbery explains the eight essential debt-cleansing principles that appear consistently throughout the book, including stopping debt payments, ignoring creditors (even under threat of arrest), the need to dispute debts, and welcoming and instigation, of lawsuits. Other controversial, but understandable and perhaps even necessary notions that Newbery proposes here include not worrying about one’s credit score, the need to have a trusted lawyer up front, and the advisability of never filing for bankruptcy.

The next dozen chapters, each thoughtfully and eruditely, guide the reader through the steps necessary to eliminate many of the most common debts plaguing Americans today, including mortgage payments, car loans, students, medical bills and credit card loans. Each chapter not only thoroughly explains the processes and steps that must be taken to clear the reader of that form of loan, but also helps the reader understand the complexities and jargon associated with that type of loan. The hundred-plus-page appendices at the back of the book, titled “Action Tools,” provide readers with hundreds of forms, questions, and checklists needed to clear debt.

While Debt Cleanse will be too radical an approach to financial stability for more conservative readers, for those wishing to follow in Newbery’s footsteps, it serves as an indispensable guide and print companion to DebtCleanse.com. If Newbery succeeds, he may even help spawn the debt revolution he wants.