One phone call Can lower Your credit card interest rate from 23% to 15% — here’s the exact script I used in the Past.

Free Credit Card Call Script
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About Us

The Story Behind Carter Debt Mastery

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There was a night I sat at the kitchen table, staring at a number that didn’t seem survivable — $200,000 in debt.

Credit cards.
Car payments.
Loans.
Mortgages.

The kind of debt that follows you everywhere — into every conversation, every grocery run, every time your kid asks for something and you have to say no.

My name is Derek Carter. And instead of filing for bankruptcy or accepting that this was just “how life was going to be” I got to work.

I started studying real estate investing. I bought properties. I sold properties. I reinvested every dollar with one goal in mind — to get my family DEBT-free.

Today?

Four of my five properties are completely paid off.

No credit card debt.

No car payments.

No loans.

The only thing I still owe is $20,000 on one rental — and that finish line is in sight.

I didn’t have a trust fund. I didn’t have connections. I had a plan, the discipline to stick to it, and an absolute refusal to let debt define my family’s future.

That’s why I built Carter Debt Mastery — because the system that worked for me can work for you too.

Your story isn’t over. It’s just getting started.

Free Credit Card Call Script
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I lowered my Credit card interest rate from 23% to 15% in one 10-minute phone call — here is the exact script I used.


  • The exact word-for-word script Derek used to lower his rate
  • What to say if they say no the first time
  • How to handle common objections from the rep


Enter your first name and email for the Script!


Why Choose Us? Because We Have No Debt

A woman looks stressed while managing bills and documents at the kitchen table.

01

Step-by-Step

I personally used the plans I am teaching you to get out of over $200,000 in debt.

02

Easy-to-Use Worksheets

If you do not budget, then you cannot control and manage your spending. I had to budget to get out of over $200,000 in debt.

03

Accountability Support

Everyone in debt needs help, and they need to be held accountable. We can help you with that in our Skool training community.

Take the First Step to Get Out of Debt!

Join people who have transformed their financial lives with our proven strategies. Start today!

Get Started

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