About Me

Wm (Bill) Payne the creator of Be Debt Free (BDF) Services based in Rancho Dominquez, California.  He’s a father, writer, speaker, entrepreneur and student.

He’s certified as an instructor by Central Michigan University and ICR Career Institute to teach Personal Finance I: Credit Repair and Personal Finance II: Debt Elimination.  This course help students to acquire the economic knowledge, skills, and resources to substantially improve their financial status including credit.

Billy has experienced personal and professional success, but he’s also suffered bitter defeat.  Although certainly preferring the former. He feels that he’s learned the most from his struggles and disappointments.  He feels that overcoming the obstacles in the path of a challenging and worthwhile objective learns life’s greatest lessons.

Bill’s passion is human potential.  He believes fervently in the indomitable Holy Spirit and revels in helping people succeed in all aspects of their lives.

As a child, he started reading biographies of famous people and was fascinated by their lives and their contributions to the world.  Over the pass 30 years, Billy has devoted himself to the science of individual achievement and has been an ardent student of the principles of success.  He’s taught seminars and conducted workshops on financial control, credit repair and debt elimnation.

His vision is a worldwide association of success-minded, high-integrity people who want not only their own success, but want to help others to achieve their potential as well.  He believes, “ We teach best what we need to learn,” and by promoting and teaching success financial principles we will affect a great success and a better future for our families and ourselves.

Billy is a positive and optimistic man.  He views the next few decades as a time of unparallel change and incredible opportunity, He sees “ high-tech merging with “high-touch” in a way that could allow for personal and spiritual transformation to seem almost magical.  He sees science and spirituality as complementary.

Billy has a deep faith and belief in a Higher Power and Presence, Which he chooses to call God.  He feels that there are three things essential to living a fulfilling and successful life: a purpose to live for, a self to live with and a faith to live by.

Brother Billy is Married to Gayle —his Angel, partner, best friend, mentor, teacher, and confidante.   He enjoys reading and helping people realize their dreams through his Savior, Jesus Christ.