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Begin The Debt Consolidation Process Today
Are you in debt? Are you tired of answering harassing call and
mails from various creditors? Are you unsure of whom to pay and
for how much? Do you have too many cards and are not sure how
much you owe? In today's economy, it is all too easy to...
Debt Consolidation Loans - A Great Way To Lower Your Bills
Having a hard time paying your bills? Can't seem to catch up and get out of debt? Debt Consolidation Loans might be the answer for you and your debt problems. Debt consolidation is the best option if you are in financial difficulty. It helps you...
Get Out of Debt
It is said that a pet tiger cub can become dangerous if it tastes blood. It will stop at killing no one, not even the people who brought it up. Similarly, once we get the taste of money and the freedom of purchasing through credit, we seem to know...
How To Get Out Of Debt In 10 Steps
Over the years I've evaluated many debt elimination systems. The best one I've ever seen is also one of the simplest. So let me introduce you to...
The Best Iron-Clad, No-Holds-Barred, Fool-Proof, No-Fine-Print, Debt Elimination System Ever...
Mortgage Debt Elimination, 7 Things You Must Know!
The prospect of mortgage debt elimination is something that many Americans are dealing with today. If you are concerned about your current debt situation, constantly trying to eliminate debt from your life, you are not alone.
In fact, over...
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How to Cut Credit Card Debt
Most Americans have too much credit card debt. Duh, we've all heard that
before, right? Only now its gotten a bit personal... right again? You
personally have too much credit card debt and its about to drive you crazy.
Well there IS hope so don't file those bankruptcy papers just yet. One
major thing you have to keep in mind is your creditor is probably very
willing to work with you. Its in their best interest to have you making
some payment versus no payment. So here are a couple points to help you deal
with your credit card debt.
The first thing you have to do is simply contact your creditor and let them
know your situation. Ask for a lower interest rate or a repayment plan.
You might not have thought of it because you're just naturally so polite but
its a very good strategy to be courteous at all times when negotiating with
your creditor. Polite, but firm. Come across as one who knows what you're
asking for and expect to get it. If you're not sure what you're asking for
in the first place you might consider a reputable credit counseling service.
There's a lot of great, honest organizations out there whose mission is to
help you work things out with your creditors.
Next you've GOT to stop using your cards. Cut them up, freeze them
in a tub
of water, whatever you need to do to get them out of your wallet or purse,
do it! You simply can't keep adding to the problem by running the debt up
any higher. This is actually one of the hardest parts of cutting your
credit card debt. Its like you're addicted to spending money you don't
have. So go cold turkey and drop the habit.
Start paying the ones with the highest interest rate first and work from
there. How do you do that? Concentrate on those high interest rate cards
by paying more than the minimum balance each month. The minimum is just
designed to keep you on the hook longer anyway. The credit card companies
are in this business to make a profit and want to have you paying them for
years to come. Even a little extra each month makes a big difference in the
long run.
Lastly, keep your chin up and have a good attitude. Millions of folks just
like you have begun to cut their credit card debt by following the common
sense steps outlined above. You can do it too. Good luck.
About The Author
Richard Townsend
http://www.cut-credit-card-debt.com/
You can reproduce this article as long as you include the authors name and website.
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| Debt relief steps, your free guide to debt help. |
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| www.imf.org |
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| Special report: debt relief | Special reports | Guardian Unlimited |
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| www.guardian.co.uk |
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| William Brewer |
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| www.worldbank.org |
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| Debt Analyzer, Debt Reduction Software, Home Page |
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| www.globalpolicy.org |
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| What debt relief means for Africa | csmonitor.com |
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