Credit Card Debt Problem? 3 Ways To Know if You Need Debt Help
If credit card bills keep pouring into your mailbox every month--and you're starting to feel stressed about your financial situation--you may be wondering if it's time to get some debt help. It's not unusual for folks to seek some assistance if they're feeling overwhelmed by debt. Here are three signs that you may need to get help with your credit card debt:
Top Recommended Companies To Refinance With:
(updated ):
Act Now! Lower your monthly mortgage payment!
- Competitive rates and no hidden fees
- Bad Credit OK
- New Purchases, Home Equity & Refinance
- One dedicated mortgage banker from first call to closing
- Quick Application with worthwhile results
If you are looking for a mortgage loan but have "less than perfect credit" this company has options for people with credit problems. Complete a short form and get one dedicated mortgage banker from first call to closing with a simple, straightforward process.
Mortgage rates are still low. Refinance & Lower Your Payment!
- Get Started on a Lower Payment Now!
- America's #1 Online Lender
- Save More and Spend Less!
- No Obligation and Free Expert Advice Another Great "bad-credit" Mortgage Company! QuickenLoans is also a competitive mortgage company for people with all types of credit including poor credit. Refinance or get new mortgage offers from this reputable Web based mortgage lender.
Helpful Loan Tips:
- Apply with more than one company to compare offers.
- Study your options before committing to a debt program.
- Cut out small luxuries to pay down debt at the beginning of your debt reduction program.
You're borrowing from one to pay the other.
If your finances are stretched so tight that you're taking cash advances from one card to make payments on another, chances are you need help. "Borrowing from Peter to pay Paul" will, ultimately, just land you deeper in debt. If this is a temporary situation--you had an emergency expense or unexpected bill--you may not need assistance quite yet. But if this is a regular occurrence, chances are you could use a little help.
Your payments are late (or missing).
If you've skipped payments, or are regularly sending them in late, you're incurring some big fees. In some cases, credit card companies charge as much as $35 for a late or missed payment! This is only adding to your overall debt, not to mention your levels of stress. Regularly sending late payments or missing payments is a sign that you could benefit from some debt help.
You're getting demands.
Perhaps your creditor is calling your house every day, asking for payment. Maybe your account has been sold to a collections agency, and they're sending notices with big warnings in red ink. Or perhaps you've gotten a letter that tells you your account is in default, and your creditor wants the full amount now. If you're getting demands for payment, a professional may be able to help you end those hassling phone calls and notices.
If you've experienced any of these warning signs, consider consulting a debt professional to help you regain control of your finances. Their assistance may be just what you need to lower your monthly bills and start paying down debt.
Recommended Debt Consolidation Companies:
Top Recommended Companies To Refinance With:
(updated ):
Act Now! Lower your monthly mortgage payment!
- Competitive rates and no hidden fees
- Bad Credit OK
- New Purchases, Home Equity & Refinance
- One dedicated mortgage banker from first call to closing
- Quick Application with worthwhile results
If you are looking for a mortgage loan but have "less than perfect credit" this company has options for people with credit problems. Complete a short form and get one dedicated mortgage banker from first call to closing with a simple, straightforward process.
Mortgage rates are still low. Refinance & Lower Your Payment!
- Get Started on a Lower Payment Now!
- America's #1 Online Lender
- Save More and Spend Less!
- No Obligation and Free Expert Advice Another Great "bad-credit" Mortgage Company! QuickenLoans is also a competitive mortgage company for people with all types of credit including poor credit. Refinance or get new mortgage offers from this reputable Web based mortgage lender.
|
