This guide on credit card debt relief is designed to provide sensible, real-world advice for anyone trying to bring card balances under control and escape from the effects of spiraling debt.
Are you overwhelmed by your credit card debt? Do worry and guilt about the money you owe consume your thoughts? The feeling of being completely overcome by escalating card balances and the sense of helplessness it creates is real and it is serious.
Needless to say, you are not alone. The burden of credit card debt impacts people everywhere from all walks of life at every age. There are more than six million people who own credit cards in the U.S. alone, and each person has an average of 3.5 charge cards.
Total credit card debt exceeds a whopping $8,000,000,000, with the average card debt nearing $16,000 per household. Moreover, this debt is no new phenomena. Statistics show that a quarter of card holders have been paying off credit card debt for more than 20 years. These are startling numbers.
Escalating debt can have a pervasive impact on your quality of life — and the lives of those around you. Yet, if you are committed to achieving financial freedom, you can make it happen with a variety of debt relief solutions.
Of course, there's no magic bullet or fast track that will provide credit card debt relief and bring your financial liability down to zero overnight.
Just like anything else that matters, success takes learning, patience, hard work, and dedication.
Yet, thousands of people have successfully broken the chain of financial debt and come to experience living with greater peace of mind, confidence and happiness.
They've learned how to proactively manage obligations and experience real credit card debt relief. And yes, many have successfully implemented debt relief solutions without having to "cut up" every single credit card they own (though cutting up your cards is certainly one strategy).
So, getting out of debt may not be the easiest challenge you have ever undertaken, but it is very doable. All you need to get started is the desire and the right information at your fingertips. That's the purpose of CardDebtGuide.com.
You will find topics covering debt consolidation options, balance transfers, credit card loans, settlement options, credit debt counseling, credit reports, credit repair, laws, scams to avoid, and a host of resources and helpful tips. New articles are being added regularly.
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Here's to your bright financial future!
Sources: "The Survey of Consumer Payment Choice," Federal Reserve Bank of Boston, January 2010;http://www. myfico.com; Federal Reserve G.19 report on consumer credit, July 2011.