• Lower your monthly payments
  • Reduce stress and live your life
  • Avoid personal bankruptcy court

How To Consolidate Credit Card Debt Even With Bad Credit Without A Debt Consolidation Loan

When you think of debt consolidation usually you think of getting a new loan to consolidate all your bills and then making just one payment a month.  But what if you have bad credit?  How can you qualify for a low rate debt consolidation loan?  You will not be able to save much money if any because the interest rate will be similar or possibly even higher than what you are currently paying on your different credit cards.  So how can you get out of debt?

If you have bad credit and you still want to consolidate your debt then there is still hope available.  Care One Credit Counseling is one of the best debt consolidation companies around and does not lend money.  They can help you lower your interest rates, reduce your monthly payment, waive late fees, and eliminate debt collection calls.  Best of all they do not make debt consolidation loans.  So they can help you if you have bad or horrible credit.  You can talk to them for free and see how much you can save with their debt consolidation plans.

Why would you want to get a debt consolidation loan in the first place?  You are already overextended on your current available credit so you do not need any more.  Using a program from Care One Credit Counseling is a better option.  And their plans are very affordable.  The monthly fee varies by state but it is in line with other credit counseling programs.  And when you compare it against the monthly interest charges of a debt consolidation loan it makes even more sense.

While I still believe debt settlement is the best way to eliminate your credit card debt if you are struggling with your bills, many people are still wary of using this option because of all the scams out there and it is understandable.  Debt consolidation is the next best plan.  Get a free debt consolidation quote from Care One Credit Counseling and see how much you can save.


Debt Cures Reviews

And speaking of Debt Cures and Kevin Trudeau, Debt Cures 2 has been released and it is on all the late night infomercials again along with Kevin’s other book, Free Money, and I will be reviewing these once I get ahold of my copies. Kevin is taking 3-5 weeks to ship the books even though you pay $12.00 shipping and handling for each one.  I don’t feel like paying an extra $10.00 for rush shipping and handling. So when I get my copies of Debt Cures 2 and Kevin’s Free Money I will start posting the reviews of his latest books.

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


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.


Debt Cures Reviews

Debt Cures or Credit Solutions


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:

credit card debt paid with credit solutions

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!


Debt Cures Reviews