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Credit card relief

By: Mike Kershaw

"Reduce your Credit card debt and your high interest loans now! This is a one time offer and will expire at 12.01 am tonight so you need to apply now to take advantage of this once in a lifetime offer"

Wow what an offer, a lot of people who have credit problems in todays financial meltdown would probably find the idea very appealing and if they were really desperate might even reply to the offer even though it sounds like it's a bit too good to be true. Be carefull now, there's a lot of scams out there and that one time fee of $200-$300 to register, once paid, might cause the credit company to stop answering your phone calls, ignore your e-mails and maybe eventually disappear into thin air leaving you with more late fees and penalties added to your debt.

Get some good advice before you fall into a trap like this. Go to www.debtadvice.org for information and help on taking control of your debt. The National Foundation for Credit Counseling will even help you locate a certified, registered credit counselor to give you professional advice and guidance.
Be careful when dealing with "non-profit" credit companies, even though they claim "non-profit" they are still in it for the money and are using the claim to trick consumers and to gain their trust and eventually their hard earned money. Do your homework and research before using one of these credit services, you don't want to end up with one of these bad apples, instead of reducing your debt you'll only end up making it worse.

Take a look at all your options, check out all the services that are available to you, sit down with your counselor to discuss them all, you'll need at least half an hour together to get a good picture of your financial situation. Don't be shy or intimidated, ask as many questions as you feel needed and get the fees and payments down in writing so you are clear on how much it's going to cost you in the long run and if it's financially worthwhile. Once you find a service you feel good about and a credit company you want to use go to the Better Business Bureau and make sure there are no complaints against them . Go to the internet and put their name in a browser and find out if someone out there has used them and had a bad experience, the more time you spend on homework and research the more you'll benefit !!!


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