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.
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