Credit card debt relief!

Hello and welcome to my blog. Since you are here, I will assume you are like me and many others that have chased the American dream and found that unless you were born into money it is virtually impossible to get anywhere without acquiring a certain amount of debt.

If you want a good job you are told early that you must have an education. It took me $21,000 for me to get college educated "and I took the cheap route and went to Technical College.

Buying a home is great. You hope that in time you will have equity and everything will be great. But in my case the furnace broke down and I got a credit card just in case of emergencies and paid for that. I also used it for car repairs. Then it was school clothes for the kids "that one always seemed to sneak up on us".

Then I had martial problems and who do you think ended up with the majority of the debt with the divorce "yep your right".

Over nine years of marriage we acquired a lot of debt that was manageable with both our incomes but impossible to keep up with by myself. I tried. For two years I did everything I could to pay up every month. Some months I would end up paying late and get those $29 late fees.

I played the game of transferring balances from one card to another for the six month's of lower interest.

I worked overtime, I did side jobs. I was operating under bigtime burn/out.

I couldn't do it anymore. I checked into bankruptcy and dearly didn't want to do that. I knew it would ruin my credit. Funny how many credit card companies were sending me offers.

Over the next few months I will be posting some info that I have found to be invaluable in helping me to get out of debt.

Please visit often and check out the content and links. Don't give up until you check out all your options, you can do it.

Below is an article that may be helpful. Please read on.

Debt management is a course every American needs to take simply because so many Americans are clueless when it comes to credit and debt management. This is unfortunate because many people do permanent damage to their credit record by not knowing how important managing their credit is. Also, frequently people get in trouble with debt and don’t know debt management tips, so they simply get further and further behind each month. This does not have to be the case and debt management is not difficult to do, as long as you have the desire to reduce your debt. Consider these debt management suggestions to get you out of debt quick.

Debt Management Tip #1 Make Your Payments on Time
One of the most important things you can do to help your credit score is to make your payments on time. This is also a great way to avoid late charges which not only negatively impact your credit, but also negatively impacts your wallet. Debt management means making on time payments means your account will never be late, will not go into default and will not never have late fees associated with it. If you have problems making your payment on time imagine how much worse it will be when an additional $30 - $50 is tacked onto that payment.

Debt Management Tip #2 Work with Your Creditor
Proper debt management requires working with your creditors. Many times creditors have debt management plans, as well as suspended payment options if you are having financial difficulty. Avoiding your creditors will make your credit problems worse and your debt management plan will not work. So talk with your creditor because frequently they can help you, or at least relieve the pressure for a little while.

Debt Management Tip #3 Pay of Credit Cards
An important part of debt management is paying off your credit cards. If you do not pay off your credit cards then you will pay an unbelievable amount of money in finance charges. Make paying off your credit cards one of the first goals in your debt management program. You will realize a relief in your debt within a few months and realize that a debt management plan is important for everyone with debt.

By Jay Moncliff

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