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Get debt consolidation help and advice for bad credit
The unexpected can always happen. Medical emergencies or job loss and
unemployment can quickly put you behind on you credit card payments and
monthly bills, and before you know it, you are falling into serious
Bad credit debt consolidating can
literally put money back into your pocket and preserve your credit
rating. Request a FREE consultation and an approved debt counseling
partner will contact you.
A debt management program is a proven method for getting out of debt.
Participation in a debt management program will not only help to stop
harassing collector calls, but will allow you to both reduce your
monthly payments and reduce or eliminate interest and late charges.
Reduced interest and late charges means that more of your money is paid
towards the principal, getting you out of debt faster.
Recover from Debt with a Free Debt
Debt Counseling and Consolidation
Many Americans are falling deeper and deeper into debt. Last year credit
account holders charged more than $400 billion on their credit cards as
the total of outstanding, non-secured consumer debt reached the
astronomical level of $1.65 trillion. According to the Federal Reserve,
credit-card debt now averages $8,562 per household.
Mounting debt-related issues can overwhelm and dominate people's lives.
Causes for seemingly insurmountable personal debt are often unrelated to
spending habits: loss of employment; uninsured medical bills;
litigation; divorce; and catastrophic loss. The consequences of
cascading creditor demands can drastically impact the family environment
and are certainly crafted to impart severe stress on the delinquent
party. So before you toss bills in a drawer, it may be time to adjust
your debt strategies and consider credit counseling. In 2002, more than
two million Americans sought assistance from credit-counseling agencies,
according to a Georgetown University survey.
When do you Need Help with
How should you determine whether you need help? Credit counselors say
there are several symptoms which indicate that someone needs a debt
doctor. They include:
Not being able to make more than the minimum payment on credit
Using credit to pay for items you previously purchased with cash
such as food and gas.
Satisfying credit card minimums by charging them to other cards.
Being vulnerable to financial emergencies, such as car repairs,
that could be devastating.
Never seeing an improvement in your finances year after year.
Worrying about money.
The experts agree that the determinant is not how much you owe, but how
the debt affects you. Your debt load could be $1,000, and that could
feel pretty severe. Essentially, you should seek help when you start
Compare our Debt
Counseling and Consolidation Service:
Don't let mounting debt control your life, get debt
consolidation help for any type of credit situation: bad
credit, loans, or credit card debt. Apply online for
free Information and we will connect you to a debt
consolidation company that can help you consolidate your
debt and put you back on track to rebuild your credit.
Cards maxed out? Lower your Payments and Get out of
The unexpected - such as a medical emergency or the loss
of a job - can put you behind on your monthly bills.
Before you know it, you're fielding calls from creditors
and collection agencies.
professional debt help, you can:
Stop bill collector harassment
Pay one lower monthly payment
Reduce interest rates and
Eliminate your debts and avoid
By consolidating your debt, you can literally put money
back into your pocket and help to preserve your credit
rating find out how with a free consultation. Did you
know that if you are making only minimum payments on a
credit card, an $8,000 debt at a rate of 18% interest
will take you over 25 years to repay and cost you over
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