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 by up to 60 percent 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. Once you enroll, the only thing you are responsible for is making your monthly payment on time. It’s like going from a war zone to floating on a raft, sipping your favorite libation and letting the world roll around you.
Ah!!! The Good Life!!!
Debt Help, Money Management Techniques - To learn more about this author, visit Bryan Garner's Website.
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John Oda Ph.D NLP is a business peak performance expert, an author, and speaker frequently called upon to provide corporate training, workshops and seminars for many companies in the United States. He is an expert in coaching sales and business professionals in overcoming the behaviors and obstacles that may impede their sales results and affect their bottom line. Since 1995, John has created a speaking bureau such topics, which include: time management, sales training, human diversity, leadership programs and etc. He provides companies with a strategic plan to increase their bottom line by over 25 percent yearly. - Visit Dr. John Oda's Website |
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Bryan Garner
(Visit Bryan's Website)
I am currently in the United States Marine
Reserve as a Sergeant of Marines. I was
deployed to Fallujah, Iraq, in 2006, and
have been working for my father's debt
management company ever since. I have had
the opportunity to work in the majority of
all the departments and have a good grasp
on the key business concepts and how it
all works. I look forward to helping
people out with their financials and
giving them an honest outlook on all their
options, not just here with us. I believe
if you have a good product, why not stand
behind it and also show what your
competition has to offer and let the
consumer decide.
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