Debt Clear Direct

by savedarfurcoalition

Emergency Debt Relief ? How To Get Legitimate Debt Relief Help

If you are currently saddled with a lot of debt and are looking to go about debt settlement on your own, then I am glad that you are reading this. I don’t mean to scare you, but trying to arrange debt settlement without professional help can be costly. If you read on I’ll show you how to go about getting good, solid professional advice, which in the end could save you a lot of money and headaches.

How I Learned The Hard Way

My main reason for advising you not to about it alone is borne out of a real experience. You see a few months ago I was in your exact position. I had maxed out a few of my cards to the tune of a few thousand dollars and the credit card companies started to harass me. They even sold on one of my debts to a collector.

I did some research online and found out that debt settlement was a real option.

Despite seeing warnings that I should seek professional help, I decided to try and solve my problems on the cheap. Big, big mistake!

The credit card companies wouldn’t even entertain me. It was very frustrating to hear that my debts couldn’t be settled because I didn’t fit the ‘criteria’. In the end I realized that credit card companies only like to deal face to face with ‘their own kind’ and ‘little me’ was not going to get their attention.

I Finally Got Real Debt Settlement Advice

Having learned the hard way that trying to do debt settlement on your own is next to impossible, I went online and found a decent company. They offered me a free consultation and from there they took care of everything. And this is the point I want you to lock on to.

These guys are professionals and deal with people like you and me everyday. Not only that, they have a good working relationship with credit card companies they are able to gain traction where you and I don’t even stand a chance.

I hope I haven’t alarmed you with my story but I want to save you the stress and frustration I endured. Like I said, finding a debt settlement company is easy as a few mouse clicks. Choose one with a free consultation and tell them your story. They’ll help you, just as they helped me. I hope you found this article helpful and I hope you solve your debt problems soon.
Final Note: The debt settlement process can be overwhelming. Having a debt relief specialist on your side can greatly reduce the stress. I highly recommend that you obtain a free debt evaluation in order determine the best course of action based on your financial situation.

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Have You Been the Prey for Credit Bureaus Because of; Late Payments, Foreclosure, Automobile Repossession, Denial of Credit or Even Bankruptcy?

If you have any questions of my credentials please read about me and view all of the testimonials below. I am not working out of someone’s basement. I run a complete credit repair program in our office for all of my clients day in and day out. My company is the only one that has actually rewritten their program throughout the years to keep up with the times.
Read more…

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The last solution to debt relief should be bankruptcy and there are bankruptcy alternatives that should be considered first. Bankruptcy is very difficult to recover from so taking the time to check out a few bankruptcy alternatives is well worth it.

It’s much quicker to repair a bad credit history without a bankruptcy on your credit report. Look at these bankruptcy alternatives before you make a decision to see if they may offer you a way to get you out of your financial situation and avoid bankruptcy.

Get On A Budget

The first thing you should do before making any critical decision is take a hard look at your financial situation. Writing out a budget is an organized way to do this is. You should include details on monthly household income versus monthly household expenses.

Understanding how you are spending your money may help you get a handle on your finances so you can avoid bankruptcy. You’ll be able to see areas where you can decrease your spending, such as eliminating the premium channels from your cable TV or taking your lunches to work instead of buying them out.

Negotiating With Creditors

What ever you do, don’t hide from your creditors or your financial situation. Most often your creditors can help you if you call them and explain that you’re having trouble with your finances. If you explain that you are considering bankruptcy, they may be more than willing to offer you an alternative payment plan to help you avoid bankruptcy.

Try to negotiate a lower interest rate with your credit card companies. Some may say no but others may say yes and this can be a huge monthly savings for you. It’s worth a call, because even if only a few say yes, it’s a major help to your monthly budget.

If you already have a credit card with a low interest rate, you might want to transfer the balance from a high rate credit card to the lower rate one. Small gains like this can add up quickly and should not be discounted.

Get a Debt Consolidation Loan

More common bankruptcy alternatives might involve getting a debt consolidation loan to pay off your high interest credit cards. A debt consolidation loan can lower your monthly payments significantly and this could be another way to avoid bankruptcy.

Borrow Money From Savings

Depending on your situation, it may be an option for you to borrow against your IRA or 401k to pay off credit cards or debts that have a higher interest rate. Before borrowing against or using your savings, you should consider any penalties carefully so you’ll know if this is a good option for you.

Credit Assistance

Credit assistance programs may also be a bankruptcy alternative that may work to help you. Credit assistance organizations manage your unsecured debt through a debt management program to help you avoid bankruptcy.

Working through debt management programs, creditors may offer benefits that can help you with your unsecured debts, by lowering your monthly payments, reducing interest rates and eliminating late fees. Depending on your past credit history, creditors may even re-age your account and show it in a current status.

Bankruptcy alternatives are much less costly to your credit history, and in the long run, you will financially pay for a bankruptcy any time you apply for credit. Carefully consider bankruptcy alternatives before you make a decision that will affect your financial future for many years.

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Do you ever wonder if there should be a 12 step program for people who have a problem with credit card debt? The idea might not be as ridiculous as it sounds. The 12 step program is one of the most successful therapy programs there is for helping people with addictions. And in a lot of ways, our love of credit and of buying things using our credit cards amounts to an addiction.

And like people who are suffering with an addiction, many times the biggest step forward is when you recognize that you have a problem. Too often when someone has the beginnings of a credit card debt problem, there is a sense of ambivalence and just let it go because after all everybody does it. And when you have a problem that threatens to become a huge problem, that is no time to be lazy and decide to just let it continue because you think everybody does it.

That attitude of oh well is exactly why the credit card companies are making record profits. If we all would get mad because they are enslaving our family budgets, we would rise up and throw them off and the world would change dramatically for us. But we cant fix the world. But you can fix our own world and start at home, with your own credit card addiction and maybe even use some of the principles of 12 step programs to get started.

Most professionals who work with people needing 12 step programs will tell you that the biggest obstacle is getting the troubled person to know they are in trouble. We all live in a bubble where we tell ourselves and each other that everything will be all right. 12 step programs use tough love to tell the people who come there that everything will NOT be all right unless they take steps to change their addictions because their addictions will destroy their lives.

Well folks, we might need some tough love when it comes to us not taking action to fix our credit card debt problem before it destroys our lives. We have to find a way to get over this idea that we should just endure credit card debt and get motivated to do the hard work to dig ourselves out before the task becomes insurmountable. In a lot of ways the problem is pride. We may suspect we have a credit card debt problem but we dont want to tell someone else we have one. We are proud and we want others to think we always have it together.

That pride says just take care of this yourself and it will keep you from talking about the problem with your spouse, your family and then even going to someone like a credit card consolidation company to find out how to get this problem under control. The big moment when an addict becomes a recovering addict is when he or she recognizes that the problem is there, that it is huge, that it could destroy their lives and that it is time to seek help.

Maybe that time has come for you. Maybe its time to not let your pride be so stubborn that you wont turn and seek help from people who know how to help you get this problem under control. So let this little discussion be your intervention to give you a slap in the face that the faster you let that pride go and seek some help, the faster the credit card debt problem will go away and you will be back on a solid financial footing once again. And once you get this monkey off your back, you will never want to become enslaved to credit card debt again.

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