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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 I’m 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 didn’t 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.

I’ve 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.


In hard times, credit card debt settlement may get you out of debt fast, and save you a lot of money.
If you are experiencing credit card debt problems, you must get debt help if you are making minimum payments. There is no other solution. Stop fighting a losing battle. 
Here are some helpful credit card debt reduction tips no matter how much credit card debt you carry. Implement them now so that you may start living a debt free life. 
Debt settlement and debt negotiation is on the rise. Inside tips for negotiating with your creditors for much less than what you owe them! 
When you are in debt, it can feel as if there is no relief; when in truth, there are options.   Here is the truth about some of the most common debt relief myths.
Secret methods of debt reduction we illustrate how to reduce credit card debt in the fastest time possible.
debt settlement is a rapidly growing credit card debt program. Aside from bankruptcy, no other program can wipe out your unsecured debt faster.
How to get out of debt safe and fast. We compare the pros and cons of a rapidly growing program-debt negotiation.
Strategies to Get a Bad Credit debt consolidation Loan. If you are overwhelmed every month with a large amount of debt, you may need a Consolidation Loan to help eliminate the stress that is associate...
Follow this foolproof debt elimination advice and you'll be back on solid ground before you know it.
pay-off your debt faster by prioritizing your creditors. Making weekly payments as opposed to monthly can reduce your balance more than you may think. 
If your finances are in a chaos, the time has come to take charge. Then, some day when you are debt-free, you will no longer have got to say “get me out of debt!”
 Debt problems are widespread, and can often lead to a plea from millions of people: "Please get me out of debt ". While a fast resolution is not usually possible, there are a few things people can do...
Debt settlement is growing rapidly in popularity. Getting out of debt in about 2-4 years is now possible.
Debt negotiators may help you eliminate your debt quickly. 

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