Debt, it was 1 of the strongest four letter words out there if you ask me. It is a fact of life. It is a fact that can consume you if you let it. Credit cards are great, and they help out a lot, but if you have inside the habit of paying 4 everything on a credit card you’re starting down a slippery path. Credit card companies fathom this, can you think of a place you can go now a day that does not accept credit cards. Pay 4 gas, credit card, groceries, credit card, you can swipe your card going through fast food drive thru’s now. Here is the fact, if you $5000 on a card and only make the minimum monthly payments you wíll become paying it off 4 10 years, that being of course if you never use it again. I have been there, and it hurts. I owed $20,000 inside unsecured debt. I fathom sum of you out there are saying that it does not sound like much, maybe to you but to me it might while well have been a million, because I could not have out, I was drowning inside debt. I had to find a way of eliminating my debt, and fast. We live inside an instant gratification society, I mistakenly wanted to find a program that would let me wake up and become out of debt the next day. Of course that was an unrealistic goal. I didn’t want to file bankruptcy, didn’t want my house to go inside foreclosure, but I also didn’t want to have to live on Macaroni and Cheese 4 the next 10 years to achieve that goal. So what did I do? I focused my attention on doing research on debt consolidation methods. There truly is a ton of them out there. I found out from my research, that a lot of these companies will cause an adverse report on your credit score much like a bankruptcy would. There r others that would help you without reporting to the credit report companies but they want a large fee to help me. It made me stop and think, “I’m calling you because I can’t pay my bills, and now you want me to add another one?” It didn’t make much sense to me, but like I said I was desperate. I found sum credit lawyers who offer help inside the field of debt elimination, but yet again there was the problem of the fee’s that they r charging. I tried to have a loan to pay off my high interest credit card bills, but I couldn’t have a loan w/ my credit score @ the time. I even did pay day loans, bad idea, no matter how desperate you’re you should never have to pay 150-300% interest rate back. I fathom that article sounds depressing, while it is, but I did find away to alleviate my debt problems. The supreme part of it, I did it 4 free. I found websites that helped me developed a plan to have me out of debt problem. No I didn’t wake up 1 morning and suddenly become debt free, but I got useful information that allowed me to pay off my bills, talk to the creditors to lower the amount I was paying, stop foreclosure on my house, and raise my credit score. Yes it took time, but finally I got my life back, and so can u.

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