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subject: How To Get Rid Of Credit Card Debt In Record Time [print this page]

Getting rid of credit card debt is is one of

the easiest problems to handle, however we

make it so difficult. First off all we never

should put ourselves in the situation in the

first place. Without giving the lecture we

are sure that you need resolutions and not

chastisement. Here are 3 tips that will help

you get our of credit card debt in no time.

There really isn't a such thing as a magic pill

when it comes to lowering that credit card balance

however, you need a blueprint that will help guide

you as light out of that dark canyon.

Step #1

Call your credit card agency and speak to an

agent. This may be a little frightning but

if you want to get out of debt you have to make

sacrifices. Explain to them that you would like

to have a lower interest rate due to financial

hardship. Some credit card companies have programs

that will allow the consumer to have lower payments

at a reduced interest rate.

Step #2

Ask the credit agent if they can cut your balance

down for an easier payment. Tell them that you

can barely afford to pay on your card and this

would help greatly. Some companies will assume that

you are going to "run away" and they would rather

have you pay some money than no money.

Step #3

When all else fails call a debt settlement agency

to do the work for you. A debt settlement agent

will negotiate with the creditor themselves in order

to have your balance or interest rate lowered.

You will have to pay for their services but it

can save you a lot more money in the long run.

Getting out of credit card debt is literally just a

phone call away. You will be suprised how willing

creditors are to help people who ask.

by: Gary Redding

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