Debt Reclamation

Debt Reclamation

Stop paying banks. Start paying yourself.

At RJL Consulting NY, we help individuals and business owners escape the endless cycle of debt by implementing the Infinite Banking Concept (IBC). Instead of sending your hard-earned money to traditional lenders, we show you how to redirect those payments into a personal financial system that works for you.

  • About This Case

    Our Debt Reclamation service helps individuals and families break free from the endless cycle of high-interest debt. By using a strategy rooted in the Infinite Banking Concept (IBC), we empower you to reclaim the interest that typically goes to banks, credit card companies, and other lenders. Instead of losing money to financial institutions, you build wealth for yourself — tax-free and uninterrupted.

    The Hidden Cost of Traditional Debt Repayment Most Americans spend over 35% of their income each month just servicing debt — not reducing it, but simply paying interest and fees. Every dollar paid toward a credit card, auto loan, or mortgage interest is a dollar you’ll never see again. Over time, this robs families of wealth-building opportunities and long-term financial security.

  • Challenge

    What Makes Debt Reclamation Different? Traditional repayment models prioritize lenders. You make monthly payments, watch balances slowly decrease, and start the cycle all over again when new needs arise. With our Debt Reclamation system, we flip the script:

    • You become your own banker
    • You save first, then borrow against your policy to pay off debt.
    • Your money continues to grow uninterrupted, even while you’re using it.
    • Grow your wealth tax-free
    • Protect your capital with long-term security
    • Maintain access to your own cash, even while using it

  • Our Process

    • Financial Assessment

      We begin with a personalized review of your debts, income, and savings goals

    • IBC Structure Setup

      We help you establish a properly structured dividend-paying whole life insurance policy designed for banking purposes.

    • Savings Phase

      You start funding your personal banking system instead of paying high-interest debt first.

    • Debt Reclamation Phase

      You borrow against your policy to strategically eliminate existing debt while your savings continues to grow inside the policy.

    • Wealth Building

      With debt under control, your cash flow increases. You now have a self-sustaining system that builds long-term financial stability.

  • Result

    Freedom From Financial Institutions The result? You stop bleeding interest to credit card companies and start building generational wealth. Clients who implement this strategy often report: Reduced financial stress More predictable cash flow Increased savings and capital access A sense of control over their financial future