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Joe Hernandez

Premium Author Joe Hernandez

Long Beach,California,USA


Personal Web site:

Memorable Quotes:

Ability is of little account without opportunity.

Brief biography:

My name is Joseph, and Iím a debt counselor with Debt Free Solutions, a debt consulting agency located in Long Beach, CA. I have been assisting people with excessive credit card debt since Oct., 2000.

I have developed a deep-rooted passion for helping Americans fight back and escape the credit card trap. When I was in my early twenties, I naively succumbed to the credit card schemes and I nearly filed bankruptcy. In those days, I was not familiar with debt relief programs.

The reason why I didnít file bankruptcy is because I would have felt like a failure. I ended up working two full-time jobs for the next four and a half years to pay-off all my credit card debt, and one personal loan.

Iíve walked in your shoes. I can feel your pain and every sleepless night that you may be experiencing. I want nothing more than to payback the credit card companies for all their games that they played in order to try to keep me in debt forever.

Yes, I admit, I am responsible for my past debt problems. However, there is something inheritably wrong
when a creditor knows that a debtor is scraping to make minimum payments and the only thing the creditor cares about is how to extend more credit. I urge you to fight back. Get rid of your debt, put it all behind you-whether you do it on your own or through a debt relief agency.


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