Debt Relief Information

Learn How to Get out of Debt


Debt is becoming number one problem in the United States Today. The average American family has at least $8,000 in credit card debt and most college students who just graduate from college have $3,000 to $5,000 credit card debt in their first year after college.

Credit Counseling - Signs That You May Need Help


Credit counseling is a viable option for those who are feeling the stress of being overwhelmed by debt. Credit counseling primarily offers assistance with working out a credit and debt repayment plan for an individual to gain control of their finances by creating a structured budget for an individual to follow.

Tips For Saving Money


Still living from pay to pay? Or envying those great wealth accumulators and wondering how they did it? Every month you make a resolution of saving some dollars from your paycheck, but only end up breaking it. Looking for some magic formula for saving money?Well, there’s no magic formula—only some simple rules to be followed with determination and persistence.

IVA Information


If you're thinking about an IVA, it is essential to get the best information possible. This is because although an IVA can be a manageable way to resolve your debt problems, it can also represent a commitment of up to five years.

The First Step To Getting Out Of Debt: Make The Commitment!


These days, getting into debt is easy.Unfortunately, getting out of debt is not so simple for most people.

Should You Join a CCCS - Consumer Credit Counseling Service for Debt Relief and Financial Freedom?


Do You Need to Join a CCCS - Consumer Credit Counseling Service? Are you in a "debt hell"? If you are unsure, ask yourself these questions: Do you have bill collectors calling you and home and at work, leaving annoying messages? Are you afraid to open the door in the morning because you are afraid that the Sheriff's office has left a court goody for you? When the phone rings, do you get butterflies in your stomach? If you answer the phone and it's a bill collector, when they ask for you, do you reply "He/She's not in right now", or even just pick up the phone and then hang it up without saying who is on the other end? Do you go for days on end without checking the mail because there are only bills there? When you finally do get the mail, do you just throw it in some random location for weeks or even months without ever opening it? Are you paying one credit card company's bill with another credit card? Are your credit cards riddled with over the credit limit and late fees? Do you only receive high interest credit card offers? Have you applied for credit cards or car loans and been told that you had been denied because of bad credit? Does your credit report show a lot of late payments, charge-offs, bad debt, 30 60 90 or 120 days late entries listed? Does filing bankruptcy seem like your only way out? If you related to at least two of those items, chances are you would benefit from a consumer credit counseling service. Believe me, I know what you are going through.

A History of Money and Banking Secrets That Banks Dont Want Published


A History of Money and TradeTo start with a history of money and debt, we must go back many years ago when people used to trade their wares for the things they wanted and needed.In place of money or Federal Reserve Notes, you could trade a well made pistol for a cow, which you could eat or trade a remainder of for other items like clothing.

The Last Debt Solution Should Be Bankruptcy


A debt solution like bankruptcy should really only be used as a last possible solution. The problem with this solution of debt problems is that it includes a lot more than simply eliminating debt.

Credit Counseling or Bankruptcy: Which is Best for You?


People often get to a place where they simply can't pay their bills, especially in today's economy which is not particularly sympathetic toward the poor or even the middle class. Inflation has impacted nearly every facet of daily life including food, gas, rent, clothes, utility bills and more.

Eliminate Your Credit Card Debt, But How?


Can a debt consolidation loan eliminate your credit card debt? A consolidation loan might (or might not) be the key. There are several things you must consider when making the choice to consolidate debt using a debt consolidation loan.

Out of Credit Card Debt - Without Filing Bankruptcy


To be out of credit card debt is your dream and you're tired of the redundant advice to live within your means. Look no further.

Debt Reduction, a Necessary Endeavour


Massive debt is something many Americans face. Debt reduction is now becoming more and more of a necessity.

Deal with All Your Debts with Care!


Lots of people take a large ammount of loans and suddenly they discovered that they're in debt and life seems pretty gloomy for them, in this situation please don't despair. Most people have been there and know just how easily it can creep up on us.

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