I was thinking about several different things this week and wondered which of these would be the best to talk about. I finally settled on the thing that most of us tend to do with our credit card bills, payments, etc . . .
BURY OUR HEADS IN THE SAND
AND ACT LIKE THEY DON’T EXIST! |
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How many times have you gotten that credit card bill in the mail and just tossed it on your desk without opening it? Or left it in the mailbox because you didn’t want to open it? If you think like I did at one point in my life, you think if I open it, I have to deal with it. Inside that envelope is also a list of the goofy things that I have charged through the years (my stereo system being the main one) as well as a documented list of the charges that are due because I did not pay my bill last month. $29.00 Late Fees. $29.00 Over limit Fees. 29% Interest – How did I get to this level? I thought it was 5% when I signed up with them. All of these questions and more like it plagued me as I’m sure they do a significant number of people with credit cards. But don’t be an ostrich . . . bury your head in the sand and pretend it’s not there.
So what do I do? I don’t have the money to pay everyone at the end of the month. Somebody has to suffer from my lack of income, and I’m sure not going to take food off of my table to pay some huge credit card company that is now charging me 6 times the interest that I signed up for!
The answer is that you need to take a brutally honest look at your entire financial situation. Take an hour (and have a Tylenol or two for the headache that may join you) and make a complete list of everyone you owe money to. Don’t be afraid that seeing it will hurt you. I have never heard of anyone getting attacked by a list. Go through that list and figure out what you are paying every month on that. Then take a look at your monthly income. Be honest with yourself – do you have enough money coming in to cover your mortgage/rent, food, car payment, credit cards, personal loans, medical bills? If you have less money coming in than you have going out, you need to take a look at doing one of two things.
1) Increase your income – get a part time job. Ask your boss for some overtime. Look at getting a new, higher paying position somewhere else.
2) Look at the options that you have to help you eliminate some of the debt that you carry. There are a number of them available to you. Click on this link to take a look at them.
It’s an odd but little known fact that an ostrich has eyes that are bigger than its brain. Don’t live your life as an ostrich . . . your brain is significantly larger than your eyes. Make yourself use that brain to examine all of your options, weigh the pros and cons, and then take action – the step that will never happen if your head is buried in the sand.
We go through life with the Expectation that we are going to have a great job, buy a house, have a beautiful wife and the full life that having the great job provides. However the increasing reality is that the great job that we had is being phased out or down-sized
When this happens we find ourselves having to take a job with less pay or working more hours to make the same pay and the full life that we were enjoying is no longer a reality.
We not only still have the Mortgage and the Car Payment but also most of us have Credit cards that we are paying. When we find ourselves in this position. We look for alternative ways to help out. There are several options that are available, These are Home loans to lower interest, CCCS Programs and Debt management Programs. The First one is only helpful if you qualify i.e. High Credit Score and Equity in your home. The Second is never helpful, with Consumer Credit Counseling Programs you are paying the same amount if not more per month. Option number Three, the Debt Management Program, will help you get out of Debt while helping Save you money on your monthly payments. Here at U.S. Debt Resolve we are committed to helping people in a Honest, straight forward manner, so that you not only know the options and can make an educated decision but have someone in your corner to help you when you need it.
| When life gives you lemons let the Staff at USDR help you make Lemonade. |
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The American Heritage Dictionary defines DEBT as something owed, such as money, goods, or services. The majority of the time, what is owed is way more than what can be paid back. Not everyone will hit the lottery, win a huge jackpot at a Casino, or even receive a huge inheritance. Working overtime gets very old after a couple of weeks, so how do you get out of debt if you cannot afford to pay it off yourself? Bankruptcy, there is the easy way out! The demolishment of credit for 7 to 10 years can easily be overcome. WRONG. How about consolidating all of your debts into one huge one which you must still pay off in full? Not to mention house, car, and living expenses. To the average human being, sometimes this route is not even feasible. Here is where debt management comes into play. We at US Debt Resolve know that a huge number of consumers in America are way over their heads in debt. That’s why we specialize in managing your debt situation, so that you can sleep a little easier at night. No one wants to be in debt, but the way interest rates soar sometimes it is extremely hard to get out alone! Just know that there is help! Debt does not have to ruin your life!
This is for all my clients and/or soon to be clients. We all have had the stress of bills at some point in our lives. The majority of our bills are debts to a person or company. When we can pay our debts and bills it’s not much of a problem. It is when life throws us those curve balls, that we feel the pain. We lose our jobs, our hours get cut, and unexpected medical bills for ourselves or family, the list can go on and on. Once we start falling behind, for whatever reason, we don’t have a lot of choices. Especially ones we like! The credit cards companies won’t cut you any slack, even if you have insurance. It is pay your debts or have bad credit. On some extreme cases we wait too long and have to file for bankruptcy. This is why US Debt Resolve has implemented many debt management programs. Our programs allow us to set up structured plans for debt settlement. These programs allow us to take you by the hand in the darkness of overdue bills and loads of debt and show you the light. We will walk with you every step of the way leading to the highlands of debt freedom. Once you hit this stage, you will come to realize the Mountains of possibilities that are out there. We don’t stop at debt freedom! We want to bring you to higher peaks by improving your credit score through our affiliate programs with Lexington Law. Help you find a home with Remax realtors, and getting that mortgage approved for the best possible rate by Intrust Mortgage. Our goal is not only to get you out of debt in 36 months or less, but to create a long lasting relationship for 30 years or more.
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Don’t let the curve balls of your life strike you out. |
| Look to US Debt Resolve for your GRAND SLAM! |
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I have a client that has paid all of her bills on time for the past twenty years. She has had the same credit cards, making the same payments and never had any problems paying her bills. She made one payment online, and due to the Credit Card Company’s server, it did not post until the next day. Even though she was only a day late, the credit card company raised her interest rate from the 9% that she had been paying for all these years to 24.9%. This was only for one late payment that was due to their server. However when her other Creditors noticed that the one credit card had a late payment and raised her Interest rates, they too followed suit. Now she is having to pay 21.9% to 26.4% for all of her credit cards. This is all due to one late payment that was not even the fault of my client. This has forced a customer that has paid her bills on-time, everytime, to find alternate means to pay off her creditors.
