someone is introducing busines proposition about ''average millionair american'' the scheme said that you you can shorternthe time in paying all your debts ( mortage and credit cards). Burt you have to be a member before the will tell you the techinique.Is this fraud or real?

scam. l saw the same ad.

There is no way one can decrease debt, or reduce a 30 year or other mortgage without increasing payments unless one defaults, enters into a renegotiation of debt, or declares bankruptcy.

If you want to shorten the time, read daveramsey.com or dolans.com. They are legitimate websites and have lots of free information. You can also get a book by Jerry Mundes: ''Get out of Debt'' which is very helpful.