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Credit Card Relief
One other option, which is one that tends to be at the bottom of the list is to get a loan and use your home
as collateral. This type of loan may come in the form of a rotating line of credit, which is beneficial if you are able to resist the urge to live off of the money.
You are not alone. Let me tell you how I moved on after taking on too much credit card debt. You will learn how you can simultaneously live comfortably after working out a budget, putting debt in its place and working towards financial peace and freedom.
What you do next is go back to the drawing board. You are going to have to teach yourself how to budget and live financially the right way. Yes, it's also humbling. You have your financial strengths, but you have your financial weaknesses, too, everyone does. The first building block is to design a budget that you can afford. For now, leave the debt off to the side. With collectors calling, it's hard to imagine doing that, but trust me, do it.
When you choose to go on a debt consolidation plan, you will need to close your credit cards. The process may take up to five years to complete. However, it can be a great option for avoiding bankruptcy and getting the relief you deserve from your bills so that you can focus on more important things including building your business or finding a new job.
Consolidation loans are usually far lower interest than credit cards, and they are also often offered for a smaller monthly payment than the payment that you would be making on several credit cards combined. As long as you make your payments on time, credit card consolidation loans are a good idea for taking the stress out of your finances.
The Process of Credit Card Debt Consolidation
Consolidation is a process where you may get a loan that combines various card balances together. This leaves you with just one payment to worry about instead of six or more, or whatever the number of cards is that you have. The payment is often much more manageable than paying bills individually. The difficulty with this method is that if you are behind on any of your bills, it may not be possible to qualify for a loan to consolidate.
Paying off the Debts
Credit Card Debt Relief - Have You Tried The Debt Snowball Plan?
But wait, doesn't that sound so boring? Doesn't it seem like there should be a better solution? Perhaps you hear that and don't see the way out. I'm telling you, you have got to trust me because there is a way out. It just takes time. If you want to pay your debt, but you don't know where to start, here are your next steps. A lot may transpire for the time being, but you will get to where you are paying off that debt.