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subject: Debt Reduction - Working With Debt Counselors to Achieve Stability in Credit Card Bills [print this page]

Debt Reduction - Working With Debt Counselors to Achieve Stability in Credit Card Bills

Credit card bills have recently started mushrooming out of control and as more and more people are having to deal with this issue credit card debt has skyrocketed to dangerous levels, especially considering the current economical situation. But that doesn't mean that there's nothing left to do but pay the monthly minimums or file for bankruptcy - on the contrary, this dangerous situation has given birth to some very helpful solutions.

In order to reduce your credit card bills you will first and foremost have to prove that they are getting difficult for you to pay on a monthly basis and that unless you get help, you will not be able to sustain these payments any further. This will convince your creditor that you truly have no way of paying the debt in full and will allow you to seek counseling in order to find ways of reducing your debt.

A debt counseling agency is easy to find nowadays and most of them will even have an initial consultation with you for free - you can use this to find the one that you like and to get an overview of the required steps for debt relief. Once you have chosen a method of reducing your debt, you can start applying it, usually by sending your creditor a debt negotiation letter that marks the beginning of the negotiation process.

Depending on what your creditor will agree too, you can either pay back only the original sum that was borrowed or ensure your credit card debt with a loan. The choice will be made depending on the amount that you owe and your income and with either one you can expect to finish paying it off within three or four years.

If you are particularly worried about the fees involved with hiring a debt counselor, they will often be included in the monthly payments in order to make it easier for you to pay. And as they are generally not very expensive, it is very recommendable that you talk to them and let them help you in making the right choice.

Debt settlement is a viable alternative to filing bankruptcy. Most consumers are able to eliminate at least 60% of their unsecured debt while avoiding many of the negative consequences with filing bankruptcy. If you are over $10k in unsecured debt you will be eligible for debt settlement. To locate legitimate debt settlement companies in your state check out the following link:

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