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

Your Get Out Of Debt Plan For 2010 And Beyond

Hello-

Christmas is over and you find yourself just a little bit deeper in debt than you had planned. So what is your get out of debt plan for the new year 2010?

Over the past 2 years, I’ve read over a dozen personal finance books on how to get out of debt. I’ve read through all the different debt elimination methods. All the debt cures you can think of.

There are pros and cons for debt consolidation, the debt snowball, debt settlement and debt negotiation, and even bankruptcy.

They all have their place.

No debt elimination plan will work for everyone.

There are too many different scenarios to account for.

But if I had to rank the top 5 ways to eliminate your credit card debt this is how I would do it:

1. Debt Settlement

2. Debt Into Wealth System

3. Debt Consolidation

4. Debt Snowball/Pay It Off

5. Bankruptcy

Used effectively, debt settlement can help you slash your credit card debt by at least half. You can do this on your own.

You can get rid of all your unsecured debt in as little as 6 months.

Even the best debt consolidation plans can take 3 to 4 years to complete. The only real downside is your principal balance is not reduced, only the interest rate.

The Debt Into Wealth system can help you become debt free in 5 to 7 years and also includes your mortgage loan.

The debt snowball is from Dave Ramsey and has helped thousands become debt free. It can take several years to finish paying off all your bills.

Bankruptcy is a last resort. Use it only after you have exhausted all your other options.

Think hard about the consequences of having ruined credit for 7 to 10 years. You can limit your job prospects among other things.

So what to do next? What do you do with these debt cures?

Learn more about debt settlement. The Zipdebt program is the best source I’ve found on how to do it yourself debt settlement and debt negotiation.

If you feel it is not for you then check out the Debt Into Wealth system. They have a special offer now where you can get the best debt elimination plan for under $10.

If you want to find out if debt consolidation will help, get a free online quote from Care One credit Counseling.

You can search this site for more details about the debt snowball.

I wish you the best start to the New Year.

You don’t have to suffer from credit card debt any more. There is so much help out there.

Let me know your thoughts or opinions.

Thank you for reading,

Adam

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

Free Debt Cures for 2009

Hello and Happy New Year! It’s New Year’s resolution time and one the biggest one is to get out of debt. Today, I want to share some free Debt Cures with you. For me, the way out of debt fast is a combination of making more money and reducing what you owe. In 2008, I was able to eliminate over $12,000 in credit card debt because I was always looking for ways to make more money.

I’ve found a couple that work and want you to have them free: Make $5,000 a Week From Home

Download it free

Here’s another one I use to make money with Google Adsense blogging:

Make Money With Google Adsense Blogging

Download it free

And after you start making more money, you need to work on reducing what you owe.

This video shows talks about debt settlement as a debt relief option and one of the more popular debt cures:

Get debt relief with debt settlement

And this last video shows you how to get a free debt reduction calculator:

Download a Free Debt Reduction Calculator

So do it now, don’t wait until next Monday to start your New Year’s resolutions. Do it now while you are still motivated to keep your resolutions this year. Start making the changes that will get you out of debt and relieve you of the financial burdens credit card debt has you in. Get back in control of your finances and be a slave to debt no more. Start working on making more money and reducing what you owe so you can be debt free by 2010.

Happy New Year!

-Adam

Debt Cures Reviews

The best Debt Cures – Bankruptcy or Debt Settlement?

Hello-

It’s cyber Monday, time to start shopping online if you haven’t done so already.  Unless you have a mountain of debt and worry about how you can even afford food to eat let alone presents for the kids for Christmas.  You are not along struggling with credit card debt this holiday season.  Yours truly has over $51,000 in credit card debt.

Yes, I have over $51,000 in credit card debt, owed on 5 credit cards. And boy could I use a debt cure or two.

So, like you, I am looking for ways to get out of this credit card debt hole and keep from worrying about how to make enough money to pay all my bills.

Just a few minutes ago, I went looking for some debt cures – I took a look at bankruptcy and debt settlement as these are the more popular options for getting credit card debt relief.

I took a look at 2 companies:

Legal Helpers

Credit Solutions

Legal Helpers offers a free bankruptcy evaluation to see if bankruptcy is the right choice for you.  I took a look at their free debt calculator and here’s what it gave me:

credit card debt paid with bankruptcy

If I were to just pay the minimum on my cards, it would take me 84 years to get out of debt, whereas with bankruptcy, my payments would be $395 a month instead of $1113 a month and I would be debt free in 13 years instead of 84.  That would really help me free up some money that I could use for other necessities.

Click here to get a free evaluation with Legal Helpers.

Then I took a look at Credit Solutions – one of the leading debt settlement companies in the US.  Here’s what their numbers offer me:

credit card debt paid with credit solutions

With Credit Solutions, my monthly payments would be $932 a month and I would be debt free in about 36 months, 3 years instead of 84 with paying it on my own and 13 with bankruptcy.  While my monthly payment would not go down as much with Credit Solutions, it would have me debt free in a much shorter period of time that is because with debt settlement, you are able to reduce your total credit card debt and get it wiped out for good in 12-36 months.

Click here to get a free evaluation with Credit Solutions.

I would suggest taking a look at each option and seeing which would be the best for you.  My total credit card debt may make debt settlement or bankruptcy a viable option because it is so high, whereas if you have a much smaller amount, say $5,000 to $10,000 it may not be the same case.  I would not file bankruptcy for under $20,000 or $30,000 as that seems not a good exchange to ruin your credit for up to 10 years.

Get your free evaluations and see which one is the best debt cures:

Legal Helpers

Credit Solutions

Thanks for reading!

-Adam

Debt Cures Reviews