Eliminate Credit Card Debt without Bankruptcy

Instead of seeking a lower cost way of reducing their debt, many people with credit card debts fall prey to unfavorable long term rates put out by advertisements that promise initial low cost balance transfers. Over time, as their credit card debt accrues, they find that the monster share of their monthly payments end up going to paying off the interest accrued on the debt. Little to none of their payment is applied towards reducing the principle amount of debt owed. Many people get overwhelmed by their mounting credit card debts, only to be exacerbated by pressures from collection agencies. This death spiral can only lead to personal bankruptcy.

Credit card debt consolidators and reduction programs can help you navigate your way to being debt-free again, and work towards regaining a good credit standing. They will help you understand the benefits and perils of balance transfer, consolidate your credit card debt into a single loan and help you secure a lower financing cost for that loan. The organizations use their economies of scale to negotiate on your behalf with your creditors to reduce your interest rates, and sometimes even to waive certain fees and charges. Their goal is to provide you with a repayment schedule that you can afford, reduce your interest costs and accelerate your path to being debt-free again. In exchange, they will charge you a professional fee. They also provide counseling services and work with the credit history board to manage your way to a good credit standing again. With such programs, you can eliminate your credit card debt without going through bankruptcy.

Debt Relief Network, Inc.

Overcome your debt and get help reducing harassing creditor phone calls without having to file for bankruptcy. At Debt Relief Network, we understand that unforeseen circumstances in life (divorce, medical bills, unemployment, etc.) can sometimes lead to a seemingly overwhelming debt burden. Our experienced, friendly personal counselors will work with you to help you overcome your debt and get on the road to financial freedom.

DebtWave Credit Counseling, Inc.

DebtWave Credit Counseling, Inc. offers a program to its clients that enables them to repay their debt in a timely fashion. We specialize in working primarily credit cards; however, we are usually able to assist clients with any bills that are considered to be unsecured. Below is a list of benefits that we are typically able to obtain for our clients:
– Reduce your interest rates
– Lower your monthly payment
– Consolidate into one monthly payment
– Eliminate late & overlimit fees
– Stop harassing phone calls (if behind)


The advantage of having an easy-to-follow, step-by-step investing process with easy-to-use Web-based tools is that you rely on facts to make decisions – not emotions. The benefits are less stress, better results and, dare we say it, fun.

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Financial Entrepreneur

I'm passionate about business and finance. After working 10 years for an international organisation, earning more money than most people would need to have very good life, I decided to jump on my own life and businesses. My main incomes are from my financial investments and businesses.

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