You need credit debt help when you feel like you are in a financial prison. All of a sudden, you can no longer do your normal activities such as go out to eat, pick up a new wardrobe, or even go to a movie without having to worry about increasing your debt or using cash that could have been used to pay down your credit card bills.

Before you can figure out how to get out of credit card debt, you have to understand the reason why you are in your current situation. Most financial planners and consultants tell you that there are major causes why individuals fall behind in paying their bills.

Emergency situations do occur in our lives. If you are currently in debt and an event such as finding out you have cancer, your spouse demanding a divorce, or getting sued complicated the situation. The problem isn’t how you spend your money, it is more on where can you get additional funds to finance your monthly bills.

A drop in income brought about by losing your job or lower business profits without a corresponding decrease in your fixed expenses. If you avoid changing your lifestyle because you believe that another job or a pickup in the market is just around the corner. In the meantime, you either spend your savings, investments or start building credit card debts.

Overspending may be due to living beyond your means or simply lax financial oversight. You don’t realize how high your expenses are relative to your household income. The only way out of this credit card debt situation is to go from a high standard lifestyle to modest standard of living. Credit debt help may help you plan for your next move.

Maybe you bought unnecessary items while shopping or took too many vacations. Whatever happened, until you figure out how to spend less than what you earn, you are trapped. You cannot escape your ultimate fate – you and credit card debt are going to be partners as long as the banks are willing to support you and you continue to be their slave by your own free will.

Credit debt help is available to you if you like to extricate yourself from the grips of this problem. The first step is to pay off your high interest credit card debt then stop the blame game and accept responsibility for your own financial life and take control over your credit card debt. Seek for the assistance of experts if you feel that you cannot follow the do it yourself procedures available.

If you carry excessive unsecured debt, your main three options are: 1. A loan. 2. Credit counseling service or 3. Debt elimination.

If you can qualify for a debt consolidation loan and you have the disciple NOT to use your charge cards again, then this option is a good choice.

Credit counseling will pay-off your debt in a reasonable time (about 5-8 years). However, if you miss a payment, you will be booted from the program. Also, your credit will be negatively affected. Keep in mind credit counseling has about a 75% drop-out ratio.

Your last option is debt settlement. This is the quickest method of debt elimination. Your debt should be paid-off in about 2-4 years. Your monthly payment is also reduced. Your credit will be negatively affected so a credit repair program is recommended.

Making the decision to get credit debt help is the first step of debt elimination. Good luck to you!

Debt Free Solutions is a debt consulting company located in Long Beach, CA. We have been in business for 10 years. We assist Americans across the U.S. to eliminate excessive credit card and other unsecured debt.

We utilize various programs and strategies to aid them in dissolving their debt in the quickest, safest, and most efficient method possible. We also analyze the risk factor. We structure our programs to drastically minimize the risk that is inevitable with all debt elimination programs.

We offer our clients much more than a debt settlement company does. The vast majority of debt negotiation companies simply settle your debts on your behalf with your creditors- nothing more.

On the other hand, we provide free services to significantly help to minimize the risks that are involved in negotiating with your creditors.

First, we offer a free, no-risk 10 day trial service. During our free trial, we negotiate with your creditors on your behalf to lower your interest rates. Also, we research to see if you have any old debts that you are not legally liable to repay. If, for any reason, you are not completely satisfied, you simply walk away. No commitments. No contracts.

Next, we provide a comprehensive credit repair service to all our clients. This is a $795 service that is absolutely free!

Also, we offer free attorney consultation (a maximum of five sessions) in case one or more of your creditors makes any threats.

Last, we provide a written guarantee that our clients’ creditors will settle for an average of 50% or more for all of the debts they attempt to negotiate.

Our services are competitively priced- and include the above free services!

www.debtfreesolutions.mobi

(800) 668-8090