Chapter 13 Bankruptcy Fails 67% Of The Time!

Hello-

I just finished reading an excellent blog post on the Zipdebt blog about the various success rates of the popular Debt Cures: bankruptcy, credit counseling, using a debt settlement company and negotiating your own debts. The most surprising results were that using a debt settlement company fails over 66% of the time, using credit counseling fails 75% of the time, and bankruptcy fails 67% of the time!

What does work?

Do it yourself debt settlement.

“With the ZipDebt program, within the 6-12 month coaching period, 71% of clients report full success with the program, 78% or more report being at least halfway done with their settlements, and 94% report at least one settlement.”

No other debt settlement program can claim such high success rates.

You can settle your bad credit card debts for 33.4% on average, compare that to 40% to 60% the debt settlement firms advertise.

So if you are experiencing high credit card debts and you are struggling to get by, you owe it to yourself to learn more about settling your own credit card debts. It’s the cheapest option and the one most likely to succeed.

It worked for me to the tune of $43,250 settled for $13,054 on 3 credit cards and reduced a 4th balance from $10,160 to $7778 with a 1% APR interest rate for 5 years.

This is the best Debt Cure I have found and it can work for you.

Let me know if you have any questions or comments below.

Thank you,

Adam

Debt Cures Reviews

Make Extra Money Writing From Home With Hubpages - Adsense, eBay, Affiliate sales

Hello-

In a post from last year, I talked about making extra money online with Hubpages. In that post I showed a screenshot of my Google Adsense earnings for the month, it was over $426.xx. In May, I made $535.03 from Adsense alone. This is something anyone can do too.

Here’s a screenshot of some of today’s earnings:

Make Money With Hubpages

I also earned another $211.33 with the eBay partner program and made an affiliate product sale for $66.87. You can also promote products from Amazon as well.

All told, I made over $813.xx with Hubpages for May 2010. Would an extra $800 be a Debt Cure for your money problems?

Anyone can create hubs on Hubpages and it is free to get started. You do not have to pay anything to signup. All you have to do is create quality articles on topics you are interested in and promote those hubs and you can start making money.

It does take work but since last year my income has gone up with Hubpages. Jobs are hard to come by these days but if you have a little bit of motivation you can start creating high quality content on Hubpages and start making some extra money to help pay off your credit card debts, past due bills, medical bills and more.

You can make some extra money writing from home. You can set your own hours and it does not cost you anything. There is nothing for you to buy.

You just signup with Hubpages, start writing, and start promoting your hubs. With a little bit of hard work and a little bit of luck you can be earning money every month with your hubs.

Some ideas to help you get started, you can go onto Amazon and browse through the best sellers of products you are interested and start writing about them. You then provide links to the products on Amazon with your affiliate link and get paid a commission whenever anyone buys anything.

Let me know your thoughts or questions.

Thank you,

Adam

Debt Cures Reviews

How To Get Rid Of High Credit Card Debt Payments

You struggle each and every day at work to earn money and for what? So you can make enough for your minimum payment just to turn around and send it off to your credit card companies? And then you get your statement the next month and see that all that hard work of yours only lowered the balance by a few dollars. The rest all went to interest charges and fees.

How are ever supposed to get anywhere in life if you live from paycheck to paycheck and struggle to keep up with your credit card payments who do not cut you a break when you need it most?

How would you like to get rid of your high credit card debt payments and get your balances down to zero? When was the last time your credit card statement showed $0.00 for the balance? Maybe only the first month you opened the account.

You are not alone in your struggle. It’s not something people like to talk about. Your friends and family do not want you to know they are having financial problems just like you. They want you to think everything is OK when it’s not.

People will share just about everything on Facebook and Twitter these days but they will fiercely deny they are struggling to make ends meet and keep up with their high credit card bills. Or even talk about it for that matter.

And this is what the credit card companies want. They don’t want more people knowing that there are legal ways you can slash your balances in a very short period of time. How short? How about less than 6 months.

In less than 6 month’s time you could have more breathing room and actually have some money left in your account at the end of the month for a change.

And this has nothing to do with bankruptcy or debt consolidation.

It only takes a few short hours to learn these “secrets” and you can be on your way to eliminating most of your balances and being free from credit card debt once and for all.

How would you like to be able to slash your monthly payments from $1200 to under $400?  Would an extra $800 a month make a difference in your life? This is an example of what you can achieve. That would be life changing money for most people. Depending on how much you owe, you can cut your monthly credit card payments by at least half.

It’s hard to go back to school to learn a new skill or start a new business when you are saddled with so many other pressing obligations. It’s not fair that you are a virtual slave to the card companies.

You can end the modern day slavery and fight back. The secret is debt settlement or debt negotiation. If you’ve ever negotiated the price of a car or major appliance you have what it takes to negotiate down your debts and drastically slash your balances. There are some proven techniques you should learn before you call up your card company and ask them to cut your balance in half, but done successfully, debt negotiation and debt settlement is the way to get rid of high credit card payments.

Debt settlement works with all the major credit card companies – Bank of America, Discover, Chase, Citibank and more. Many will deny they have programs like debt settlement available…that is until you fall 3, 4, 5 months behind on your bills. Don’t let them trick you into thinking that debt consolidation is the only way out or the only hardship program they have. A lower interest rate for 6 to 12 months is not enough to get you out of debt. You need your balances drastically reduced without filing bankruptcy.  Learn more about how to get rid of high credit card debt payments

-Adam

Debt Cures Reviews

Your credit card balance: $0.00

Hello-

Having just received my first zero balance credit card statement through debt settlement, I cannot tell you how happy that made me feel.

I’ve been in your shoes, deep in credit card debt, it’s not fun. I was over $62,000 in credit card debt. In less than 6 months using debt settlement, I wiped out over $43,000 in debt.

You can feel so helpless no matter how hard you work.

You can make a stand and get your life back:

http://www.debtcuresreviews.com/go/zerocreditcarddebt

If you give this an honest effort, you will be surprised at how willing the credit card companies will be willing to work with you after you fall behind 4, 5, 6 months on your payments.

You can be amply rewarded by your efforts with your credit card statements showing your balance at $0.00 in less than a year.

The credit card companies already received their billion dollar bailout and yet they are back to their old tricks trying to stick it to us and charge high interest rates that we can never pay off.

Click here if you would like to have Zero Credit Card Debt:

http://www.debtcuresreviews.com/go/zerocreditcarddebt

Have a great day!

-Adam

Debt Cures Reviews

P.S. This is one of the best debt cures I have discovered in over 3 years of reading about this industry. You can negotiate and settle your credit card debts with your creditors and wipe out all your unsecured debts in a very short period of time. It’s nothing like those new statements you’re probably already getting that say it will take 43 years to pay off your debts by only paying the minimum.

With do it yourself debt negotiation and debt settlement, you can wipe out up to 75% of your credit card debt in one fell swoop and be credit card debt free in less than a year.

http://www.debtcuresreviews.com/go/zerocreditcarddebt