In Over Your Head

In Debt?

Can’t pay your bills? You’re not alone. Credit card debt, consumer debt and bankruptcies are at all time highs. Millions of Americans are having difficulty paying their debts. Most of those in financial distress are middle income families with jobs who want to pay off what they owe. If you find yourself in this situation it is important for you to act. Doing nothing can lead to much larger problems in the future – a bad credit record, even bigger debts, and the loss of assets such as your home.

The good news is that there are solutions. The remedies can help improve your relationship with creditors, reduce your debts, and help you manage your money. In brief, these solutions can help give you a new, fresh start.


ARE YOU IN FINANCIAL TROUBLE?
If bill collectors are calling you, you know you’re in financial trouble. But what if you’re just having difficulty stretching your paycheck to pay monthly bills? If you answer yes to any one of the following questions, you should act now.

  • Do you routinely spend more than you earn?
  • Are you forced to make day-to-day purchases on credit?
  • Are you able to make only the minimum payments on monthly credit card debts?
  • Are you constanly behind in paying your bills?
  • Does a significant portion of your monthly income go to pay interest?
  • If you lost your job, would you have difficulty paying next month’s bills?

Credit cards are a convenience and perhaps a necessity at times, but that convenience does come with a price. For millions of Americans that price is the heavy burden of thousands of dollars of high cost, high pressure credit card debt. Consumers have been on a credit binge for years and now, many are suffering a “financial hangover”.

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