If you have come to this page, you are probably in situation like I used to be. You have over $10,000 in credit card debt and are having trouble keeping up with your finance charges and monthly payments. Credit cards companies are calling you everyday. You have no idea how to dig yourself out of this hole but have heard debt consolidation is the best way to start getting control of your finances.
You are partially correct. In fact, its an important step in an overall roadmap to recovery. I've listed the major 3 step process I took to get myself on the right road to better financial management. I honestly believe everybody can do the same. For your convenience, I've also included links to the best online service providers or companies to help you complete these easy three steps:
STEP 1 - Request A Free Credit Report - Its very important to know which accounts are open and how much you owe on each card. You can sumbit a free request here.
STEP 2 - Consolidate Your Debt To One Lender - You will receive a lower overall interest rate and this will lower your monthly payments. Fill out this online form to have a lender contact you.
STEP 3 - Stop Using Credit Cards - Use a debit card or a prepaid Visa. Credit is what got you in trouble. Only spend what you have! Apply for a Prepaid Visa!
After completing each step, you are getting closer to becoming debt free and enjoying a financially stress free life. Hope this helps and good luck with your debt consolidation and financial recovery!
If you have completed the above steps and still need further advice, you can email me at: tomwhitedebtconsolidation at gmail.com.
Sincerly,
Tom White