When you have a higher credit card debt
, you want to be free from it. Below are excellent tips to keep you in the right track if you want to get rid of credit card debt
fast.
Cut up Your Bank Cards – If you want to eliminate your debt
for good, limit your cards. Oftentimes having higher debt keeps us from settling our account. This doesn’t mean you have to shut down the accounts (which could cause problems on your credit score), but it will be difficult to use a credit card at the register.
Write a Note in Your Wallet – If that’s not practical then put a note in your pocket to remind yourself about eliminating your debt . Be strict to yourself if needed.
Sell Some Of Your Stuff – To pay out your consumer credit card plan faster, bring in some additional cash through selling some of your personal belongings on Craigslist or eBay. Think about having a garage sale for fast and easy cash.
Find a Part-Time Job– If you don’t have any personal things to put up on sale, then look for a part time job to help you in eliminating your credit card debt.
Post a Credit Card Debt
Payoff Plan on your Fridge – If you get hungry, your mind doesn’t seem to work too so you’ll always be reminded of your debt payoff plan before you open your fridge. Concentrate on your payoff plan by placing it in front of your fridge.
Transfer Your High-Interest Debt– If your debt and interest rates are high, transfer your financial balances to a card with a 0% promo interest rate. Be careful of the transfer fees because it might add
problems on your interest savings. Also, don’t make use of this new card as a chance to even spend more.
Settle the High Interest Balance First – If you’re too concern about your interest rates, think of paying off your credit card debts by settling your debt with the highest interest rate first. Then, you can proceed to the next higher interest rate card. This will help you in paying less in your interest rates over time.
Settle your Smallest Balance Too– If you want a quick but effective result, consider applying the debt snowball strategy. Also, eliminate your consumer credit card debt one at a time and start with the smallest.
Think of Getting Help – If you’re not confident in handling these kinds of financial problems, hire the services of a debt counseling firm to help you eliminate your credit card debt fast.
Debt Free Solutions is a debt consulting company located in Long Beach, CA. We have been in business for 10 years. We assist Americans across the U.S. to eliminate excessive credit card and other unsecured debt.
We utilize various programs and strategies to aid them in dissolving their debt in the quickest, safest, and most efficient method possible. We also analyze the risk factor. We structure our programs to drastically minimize the risk that is inevitable with all debt elimination programs.
We offer our clients much more than a debt settlement company does. The vast majority of debt negotiation companies simply settle your debts on your behalf with your creditors- nothing more.
On the other hand, we provide free services to significantly help to minimize the risks that are involved wIth negotiating with your creditors.
First, we offer a free, no-risk 10 day trial service. During our free trial, we negotiate with your creditors on your behalf to lower your interest rates. Also, we research to see if you have any old debts that you are not legally liable to repay. If, for any reason, you are not completely satisfied, you simply walk away. No commitments. No contracts.
Next, we provide a comprehensive credit repair service to all our clients. This is a $795 service that is absolutely free!
Also, we offer free attorney consultation (a maximum of five sessions) in case one or more of your creditors makes any threats.
Last, we provide a written guarantee that our clients’ creditors will settle for an average of 50% or more for all of the debts they attempt to negotiate.
Our services are competitively priced- and include the above free services!
Author: Joseph J. Hernandez
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So, what is the best way to get out of debt ? By knowing your options that list the pro's and con's of each program or strategy. Choosing a program without knowing the benefits and risks may cost you $1,000's!