Are you struggling with paying down credit card debt? Looking for debt cures?

Why does it seem like it is so hard to get out of credit card debt? Could it be that any late fee or over the limit fee negates any progress you might have made this month? You could be a on-time payer for years and just miss one payment by a few days and have your interest rate double or worse.

The credit card companies have no problem kicking you when you’re down. If you miss one or two payments they will cut your credit card limit to within a few dollars of your current balance so if you continue to miss payments they will sock you with $78 in fees each month you miss. You get charged a $39 late fee and a $39 over the limit fee. Not to mention your interest rate will probably hover around 29% which makes it almost impossible to pay down credit card debt.

For situations like this is why Kevin Trudeau comes out what a book promising Debt Cures that can get the credit card companies off your back, waive late fees and other fees, and reduce your interest rates, and help you eliminate your credit card debt. Not to mention the possibility of getting free money from the government. He now has a new book called Free Money that goes into more depth on getting your free money.

So how do you pay down and eliminate your credit card debt? Well for one thing if you are struggling to come up with the minimum payment right now, you are not going to save your way out of debt. You’ll be saving money and earning 1% interest at most while paying up to 29% in interest on your debt. There is just no way you can get ahead this way.

You may already be working a second job and it still may not be enough. What this economy it is hard to make extra money but that does not mean it is impossible. I’m still making a couple hundred dollars extra per month with the Hubpages I created a few months ago.

Bankruptcy and debt settlement are also options. I’ve discussed the pros and cons of each in a previous post. One thing I forgot to mention to was that if you are on a fixed income, bankruptcy may be a better option than debt settlement. You can find out by getting a free bankruptcy evaluation. But other than that, debt settlement is a better way to get debt relief without all the consequences of filing bankruptcy.

A question you may be asking is why don’t the credit card companies lower my interest rate when I call them? The credit card companies are not going to work with you if you are a good customer. They have no reason to lower your interest rate if you are paying on time every month because you are making them money. It is only when you fall behind on your payments that they risk losing money on your account. This is when they will start working with you and offering hardship arrangements and lowering your interest rates.

To sum up, those are your options for paying down credit card debt. Make more money through a second job or freelance work and use bankruptcy or debt settlement to reduce your balances. Those are the debt cures that work. You can learn a little bit more about them by getting Kevin Trudeau’s book or just reading several posts on this site. I’ve reviewed the entire book chapter by chapter for you.

Thanks for reading.

Have a great day,

Adam Tijerina

Debt Cures Reviews

Free Debt Cures Tips

Hello-

Today I wanted to offer you some free Debt Cures tips. I’ve read Debt Cures, The Total Money Makeover, and several other books on how to get out of debt. Now I want to share those tips with you for free.  Here’s what others have said about these free getting out of debt tips:

“You have helped us by showing our daughter a way to get out of debt and spare them from going bankrupt.  For that we are thankful.  The advice has been priceless.  Thank you.”
-Gail M.

“Your lessons have been very helpful. Thank you so very much for your time and your help. We truly appreciate it.”
-Susan S.

“My debt problem solved. Thanks.”
-Art C.

“I am going to print all 30 lessons, staple them together and consult with you in both ways.  Wonderful work, thank you so much.  Never thought I’d need it, aye, there’s the rub.”
-Julie B.

Enter your first name and email address and get your free Debt Cures tips:

I hate spam and will not share or sell your information to anyone. Your privacy is safe with me.

“Hi Adam, Fantastic 30 days! I really learned a lot and do appreciate your guide. Tremendous work to help others live a bit easier and cut costs. It’s always the little things overlooked the most. Thanks again and I hope to be able to enact most of your tips and advise.”
-James S.

“Hi Adam, Thank you for all the good information.  It was very helpful.  Thanks.”
-Gail H.

“Adam, I think that you have done an outstanding job helping us poor folks out, who are trying to save a dime in time.  You should be  getting paid for all the good that you do.  Keep up the good work and may you be Blessed in your pursuit. I can move  more swiftly up the road of success now that you have shown me how to avoid the obstacles that sometimes obstruct our path. Thanks a lot.  Now I can deal with debt more effectively.”
-Michael C.

“I have received lots of information, all of which is helpful in one way or another. Thank you for this service.”
-Mary H.

“Hi Adam, I have taken all of your advice.  I started my own home based business. Thank you in advance for you have truly been a blessing to me.”
-Larry S.

Enter your first name and email address and get your free Debt Cures tips:

I hate spam and will not share or sell your information to anyone. Your privacy is safe with me.

This is not the same as Kevin Trudeau’s Debt Cures newsletter that he charges $9.95 a month for. These are some free tips to help you save money, pay off your debts faster, make more money, and get out of debt. This is free and it comes from me here at Debt Cures Reviews not Debt Cures. You can unsubscribe at anytime if you do not like what you see.

Thank you for reading.

Adam

Debt Cures Reviews

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Debt Cures or Credit Solutions

Hello-

Today, I wanted to compare Debt Cures with Credit Solutions. Kevin Trudeau talks about reducing what your interest rates are with your credit card companies, while debt settlement can help you reduce your total balances not just your interest rates.

While he does talk a little bit about it in chapter 14, doing whatever you have to do to avoid bankruptcy, he doesn’t go into that much detail.  If you want something more useful, which is one of the biggest complaints about the Debt Cures book then talk to a company for free that can help you reduce your balances and help you get out of debt faster.

Credit Solutions is the largest debt settlement company in the US.  They have customer service reps available 24/7 to answer any questions you may have.

Look at what Credit Solutions can do with a $50,000 credit card balance for example:

So Credit Solutions is a better alternative than most credit counseling programs and it is a much better option that debt consolidation. Why? With debt consolidation, you do not reduce what you owe, you only put it all under one new loan and extend the time you have to pay it off.

With debt settlement, you have a legitimate chance at reducing your total credit card balances and getting debt free within 12-36 months.  And of course it’s not free though.  Debt settlement usually costs about 15% of your debt which can get costly.

But when you eliminate your total credit card debt and get debt free in 12-36 months, you can still realize significant savings.

Compared to bankruptcy, debt settlement is the step right before you file.  Credit card companies would be more willing to settle with you and get something for your debts rather than nothing if you file bankruptcy.

Using Credit Solutions to settle your debts will lower your credit score. You have to save up money to put into a settlement fund and you cease making your credit card payments to do this.  Missed credit card payments will lower your credit score.

You have to ask yourself if you would rather have a good credit score with tens of thousands of dollars of debt or a temporary lower credit score and zero debt?

Click here to get a free consultation with Credit Solutions.

Thanks for reading and have a great day!

-Adam

Debt Cures Reviews

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Debt Cures – How to get rid of debt

Hello-

I started this site about Debt Cures because I wanted to educate people on Kevin Trudeau’s latest book that can show you how to get rid of debt.  You can read the 4 part Debt Cures reviews

What makes this book so controversial is KT’s past.  So right away once people find out he has a criminal record they think the book is a scam.

Does that mean Debt Cures is a scam?  Not necessarily.  I give away copies of the book each month.  There is much to be learned inside.

Many of the comments on this blog want to know how to reduce and get rid of all the debt they owe.  In the book, you will learn what steps you need to take to reduce your interest rates, eliminate some of your older debts and how to avoid bankruptcy.

That is just like he said.

He also says that you have so much debt and it’s not necessarily your fault.  Here’s some stats I read the other day:

“VISA spends over $600 million each year and growing on advertising their credit cards to you and me.”

“MasterCard spent over $500 million in the first 6 months of 2008 advertising their credit cards and their Priceless ads to get you to use their credit cards.”

“Equifax earned almost $2 billion dollars in revenues selling your credit information in 2007.  They sell your credit info so credit card companies can better target their marketing to get you to buy and buy and buy.”

And this is just one of the credit reporting agencies.

I could go on and on.

What does this have to do with getting out of debt?

They don’t make it easy for you to pay off your bills when they spend so much money on advertising tempting you to buy more stuff and pay later.

It’s hard to go anywhere and not see an ad for VISA or MasterCard.

So love him or hate him, Kevin Trudeau has a point in Debt Cures about how “they” wish you stay in debt forever and miss your payments and pay high fees and high interest rates.

He spends several chapters agitating you and making you mad about some of their practices.  If you just read the book and become aware of their deceptive practices and practice better spending habits then the book will have paid for itself.  Right now you can get it on Amazon for about $17.

What about if you don’t want to buy the book?

There are plenty of alternatives to Debt Cures.

If you just want to reduce your debts through debt consolidation then I would recommend you talk to CareOne Credit.

If you would like to learn a system about paying off your debts on your current income and turning those debt problems into wealth then I would recommend you take a look at John Cummuta’s Debt to Wealth program.

If you want to read a book other than Debt Cures that teaches you how to get rid of your debt then I would recommend you read The Total Money Makeover.  It’s the other book I give away each month.

Let me know if you have any questions about the book or any other debt related topic.

Thanks for reading.

Have a great day!

-Adam

Debt Cures Reviews

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