An Astounding Number of American Families are Struggling with Credit Card Debt Today.
I was struggling with credit card debt about 5 years ago, mostly because of poor choices that were made after my divorce.
I managed to run my credit cards and other secured debt up to around $30,000 dollars.
There were times that I was embarrassed to let anyone know about my situation.
I was too ashamed to tell my close friends and family.
I eventually ended up filing for bankruptcy and everything was wiped away.
However, it has been a tough road getting any sort of credit since I filed bankruptcy 5 years ago.
If I Could Go Back And Start Over I would Never Have Filed.
I should have look at all my options before a made such a drastic choice with my finances.
The reason I am writing to you today is to maybe keep you from making the same mistakes that I made.
Bankruptcy should be a last resort and you really need to checkout all possible avenues before taking that step.
If you're reading this I know you're probably struggling with debt, I know the feeling.
You're most likely screening your calls right now to avoid the dreaded creditor's phone calls.
I obviously don't know your situation.
Your best alternative in whatever your debt situation may be is a good consumer debt relief program.
There are many reliable non profit debt relief services online today.
These services will look at your situation and in most cases will give you a FREE quote without any obligation.
These services will contact your creditors and negotiate a lower rate of interest.
Most of the time they will negotiate a settlement agreement between you and your creditors.
I know that the most important thing for you is your family.
You want to get the debt paid off.
But you may have been laid off and you can't find another job.
Times are tough but before you make a drastic decision, get some debt relief advice.
Take it from me, bankruptcy is not fun, its very embarrassing.