Overcoming Your Debt

Debt clock has reached unprecedented levels and continues to grow each year. Here is how debt is affecting Americans today. Survey shows that Americans are more likely to suffer from financial stress than heart attacks, strokes, and diabetes. It is a dangerous, silent killer that most Americans wear as a badge of honor, a symbol of their health, but it is also one of the world’s deadliest diseases.

In an instance, for Sarah, it all began when she received her first credit card and was charged $5 for lunch because she didn’t have the cash. Her first bill charged $132; she thought it was easy because the minimum payment required was only $10. Sarah found out that the $10 minimum payment would result in taking 30 years to pay. By paying minimum payments would now cost a devious increased amount and hundreds in interest – and that’s the silent killer. Sarah was left wondering about how all that debt got there.

Debt Relief Program

Stricken in fear and panic, most people who find themselves in this situation would opt to do nothing, hence making the situation worse. Quick spenders who have fallen into the debt trap can remedy this by consolidating credit card debt with Credit Counseling Programs.

A non-profit organization, CreditGUARD of America was founded in pursuit of helping those who need help but are unsure where and who to turn to.  The CreditGUARD‘s certified credit counselors will guide you to the best solutions to your debt problem – and best of all, your consultation is free! To help improve your credit rating, our professional credit counselors help you improve your credit rating.

Too Much Debt?

Let’s face it if your finances are stretched, how do you know if you need help or not?

Try asking yourself these five questions:

  1. Do you have a credit balance of more than $4,000?
  2. Do you make minimum credit card payments?
  3. Do you live from paycheck to paycheck?
  4. Do you have a credit card, but no savings account?
  5. Do you use credit cards because you have no cash at hand?

If you answer yes to one of these questions, you run the risk of falling short of your financial goals.

Learn how to minimize your debt during these unprecedented times with our non-profit CreditGUARD Debt Consolidation Program. You may call our CGOA Customer Support toll-free at 800-282-8497 or visit www.creditguard.org for more information.