Credit & Debt Management Control

Help Me Pay My Bills – Debt Relief At Its Finest

Today, many people have more debt than ever before. Did you know that the average for household credit card debt is over $10,000? That is because we are so undisciplined in handling monetary funds that we go in over our heads. Debt can be a sea that could drown us if we aren’t careful. The good news is that there is help out there if you are in it too deep.

Before you scream “Help me pay my bills!” there are some things that you need to know. In order to cure yourself of the “debt bug” you must understand that most credit cards and loans are designed to keep us in the hole. That means your $5000 credit card that you pay the $100 minimum every month is actually costing you $30,000 over 20 years in interest. And that’s the way the banks and lenders want it.

Credit can be your friend if you use it responsibly but you must indeed stay away from frivolous spending. Or you will be right back in the deep hole where you started. So how can you get help paying your bills?

First, try to call each one of your lenders and speak to an agent. There are many lenders that have hardship programs that can help you out of your situation. You still have to pay the debt you owe however, they make it easier for you. So instead of paying $300 a month on your Visa for a year, they can allow you to pay $100 a month toward the principle for 3 years. You just have to ask first for them to unleash their special blessings.

You can also go the route of going though a Debt Settlement agency. Debt settlers will call your lender and attempt to negotiate a way for you to pay a portion of the debt, maybe 50% to 60% over a longer period of time. In some cases this works because the lender will rather have you pay on what you owe than to walk away from it completely, or file bankruptcy.

There you have it! Put these tips to action and get help for you bills. The sooner you pickup the phone, the sooner you can start climbing out of that crater of debt.

About the Author

Tony Redding

Debt Research Specialist

For more 100% free debt busting information click through to The Living Debt Free Blog

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