Hi, I’m Tracey Spikes, and welcome to Debt 2 Capital™!

If you have $100,000 or more in debt, you're in the right place—and no, this isn't another loan.

I will show you a smarter way to manage and pay off debt—without falling back into the never-ending cycle.

Does this sound familiar?

You work hard for your money, yet every month, a big chunk of your payments goes straight to interest. Instead of moving forward, you're helping banks and lenders get richer.

At Debt 2 Capital™, we use a proven strategy to help you pay off debt sooner while building long-term financial stability. Partner with a trusted financial institution that has been helping people like you since 1892.

• Pay off debt smarter
• Keep more of your money
• Build long-term financial security without falling back into high-interest loans

Here’s how it works:

• We analyze your debt – We pinpoint exactly how much you're paying in interest and where you can save.
• Our method is more efficient than traditional "snowballing" because you pay off debt and build capital for future purchases.
• We set you up for long-term success – Our strategy ensures you can access your own money when you need it—without falling back into debt.

I invite you to a complimentary 15-minute call—no pressure, no obligation.

Ready? Just enter your info and click "LET’S CHAT." I’ll be in touch soon!

• Work Smarter to Pay Off Debt Sooner While Building Wealth
• No Hidden Fees
• No Credit Checks, No Loans, No Risk
• This Is NOT A Debt Refinance Program
• You Must Have a Minimum of $100k in Debt to Qualify

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Enter your debt details into our calculator to see how much of your payments are going to interest.

We'll send you a custom breakdown of exactly how much your debt is costing you and the strategy to help you pay off debt faster and keep more of your money.

I will personally walk you through your options, answer your questions, and show you exactly how to move forward, without any obligation.

For many people, 50% or more of their monthly debt payments go straight to interest.

That means if you're paying $750 a month toward debt, nearly $500 could be wasted on interest alone.

And the longer you stay in debt, the more you pay—fueling a system designed to benefit lenders, not you.

You’ve probably heard of the "snowball method" or "avalanche method." While they can help, they have one major flaw:

• Once you’re debt-free, life happens
• Your car breaks down.
• A home repair pops up.
•  An emergency hits.
• And what do most people do? They borrow again. The cycle starts over.

A way to pay off debt smarter and stay debt-free—without relying on lenders ever again?

There is. Let me show you how.

Aaron Gurskey

Ryan Driscoll

Kelsey Jebbia

Weirton, WV

Centerville, OH

Pittsburgh, PA

No, this is different. Debt consolidation simply moves your debt around. Debt 2 Capital™ helps you pay off your debt faster while building a fund you can use for future purchases—without ever needing a traditional loan again.

No, refinancing only changes the terms of your debt—it doesn’t eliminate it. Debt 2 Capital™ uses a unique financial strategy that helps you grow your own capital so you can fund future purchases without relying on banks or lenders.

No, we don’t negotiate or settle debt. Instead, we show you how to work smarter to pay off debt sooner while building long-term financial stability—so you never have to take out a loan or mortgage again.

✔ Credit cards

✔ Student loans

✔ Car loans

✔ Personal loans

✔ Mortgages

✔ Business debts

✔ Any other loan where high interest is slowing you down

Using Debt 2 Capital™ has no negative impact on your credit score. Our process is designed to help you pay off debt and stay debt-free.

We help clients eliminate debt faster and prepare for future inevitable purchases, without changing their current budget. 

By using proven math and strategies, we show you how to increase your future spendable income and reduce taxes, all while breaking free from the debt cycle for good.

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