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Credit Card Debt Got You Held Captive?

I was surfing the other day and came across a great little site with some excellent and informative videos with regards to Creditors and debt. So, if your to the point of considering Bankruptcy, Refinancing, Consolidation or Settling your debts check this site out. The video's alone are a wealth of information. That's what drew me to the sight.

Also a little info for you, if you are thinking of doing settlements on any of your debts please be aware that you may have to pay taxes on any part that is forgiven and you don't have to repay. For example you have a $2000.00 debt and you settle for $1000.00, you may have to pay taxes on the $1000.00 you didn't have to repay. You would probably receive what is called a 1099c at the end of the year. Check the IRS code or a tax attorney. You don't want the IRS suddenly sending you notice you owe them....yikes

I believe that a credit card can be a friend or foe and for most American's they have become a great foe! Credit cards keep you in debt to the banks and that's just how they like it. Credit cards have become the American way of life but to what extent? Simply by making you a Slave to debt! So how do you like those
shackles dragging that ball and chain around?


Folks things right now are looking pretty bleak. Jobs being lost by the thousands or outsourced overseas. Gas prices you and I can't afford and even food is get outrageous (I just went yesterday and prices have really gone up).

You have simply got to bite the bullet and get OUT OF DEBT. How you say?

Ok you know you don't want to read this but it's true so here goes.

Well for one thing:

• Stop buying crap you don't need!
• Get a second job for awhile if need be.
• Drive a little slower.
• Take your lunch to work.
• Cut back on cable or get a cheaper package.
• Cook dinner! Shop those sales flyers and use those dang coupons!
• Stop the fast food and eating out syndrome.
• Make credit card payments ON TIME. And make darn sure you pay more than the minimum! Pay those cards off ASAP! And then stick with one and pay it off every month or don't freaking use it all.
• Ask for lower interest rates!!! (I just did this with 2 cards and got 5% knocked of each card...woo hoooo!)
• You can even ask for a late fee to be removed if you never asked before or you haven't been late in say the last 6 to 12 months, just ask it won't hurt and they will probably do it.
• Read articles about getting out of debt to find other ways to help yourself and your financial situation.
• Basically, be honest with yourself and ask do I really like my life and finances the way they are? If not, then freaking get off your ass and do something about it. (sorry I know that's not very ladylike talk but come on let's just get real ok) Nothing will ever change if you do nothing! And if you know your in deep sh*t get professional help before you it's to late!
• And lastly, work with a debt card not a credit card. When you pay cash your more careful about what you buy.
  

You are responsible for the financial situation your in. No one else is to blame. But as tempting as credit card offers are, don't fall prey to them. If you are not going to use them correctly then by george tear those offers up and soon as you see them.

Also you can visit: https://www.annualcreditreport.com/cra/index . You can get a free copy of your credit report once a year with no charge but you won't get that credit score, that you have to pay for.

Now for the site I found. http://www.thecreditcardsolution.com/
And no I don't get anything for telling you about this site it is simply something I came across by accident. But again just watch the video's and wise up a little about debt and debt collectors and your rights. I hope you will learn to get yourself out of the enslavement and bondage of credit cards and debt in general. May God bless you on your journey to financial freedom and independence!
Being debt free will change your life forever!