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Guest post by: Bryan Garner Become an Author

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Many people have a difficult time admitting they need help with their debt. Most of us have been raised to pay our bills, monthly. Some see alternatives as a sign of failure or weakness. Nothing could be farther from the truth. Did you know that according to the Federal Reserve's Consumer Credit Report , Americans have over $2.5 Trillion ( yes, that is Trillion with a "T" ) of outstanding debt.

While that number may sound incredibility high, it is most accurate. I talk to over 100 people a day who are in dire straits with their unsecured debt. Many are at their wits end and just want this nightmare to go away. Some people know that they need help but just can't surrender. Denial is not just a river in Egypt! Struggling is not living. Not being able to answer your phone because of harassing creditor calls is not living. Making minimum monthly payments and not seeing your balance go down is not living.

How do I know that I need help with my debt? Here are 25 symptoms.

You routinely get cash advances or use payday loans

You live paycheck-to-paycheck

25 percent of your monthly income goes toward credit card bills

You have three or more credit cards

You ask friends and family for money to cover credit card debt

You lease because you cannot find financing to buy

You've taken a second job just to repay credit card debt

You pawn personal items because you desperately need cash

You have made three late payments in the last 12 months

You have seriously considered bankruptcy

You increase credit limits on already maxed-out credit cards

You depend on the time before a check clears to obtain the necessary funds

You depend on credit cards to purchase items like gas, groceries, and clothing

You routinely get cash advances or use payday loans

You live paycheck-to-paycheck

25 percent of your monthly income goes toward credit card bills

You have three or more credit cards

You ask friends and family for money to cover credit card debt

You lease because you cannot find financing to buy

You've taken a second job just to repay credit card debt

You pawn personal items because you desperately need cash

You have made three late payments in the last 12 months

You have seriously considered bankruptcy

You increase credit limits on already maxed-out credit cards

You depend on the time before a check clears to obtain the necessary funds

If you are experiencing two or more of these financial problems, then you need to seek debt relief immediately!

There are several methods of debt help available to you including debt settlement, credit counseling and debt consolidation. Debt settlement can reduce your overall debt ranging by 20-80 percent (depending on individual circumstances and results may vary) and act as a buffer between you and your creditors. Don't let debt linger in your life, act now before these indicators result in bankruptcy. Call CreditAllianceGroup today and get started on your journey to becoming debt free. You should never want to be in any debt relief program one day longer than you have to be, the more monies you can save the better. The last thing you want is your creditors suing you for the amount owed and saving more funds quicker will greatly reduce that risk.

Ah!!! The Good Life!!!

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Referred by: http://www.creditalliancegroup.net

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