Credit card debt relief programs have been ubiquitous over the past years as more and more people are trying to find ways to get out of their credit card debt.
Being in debt is no pretty thing. It's almost as if you're Sisyphus pushing a boulder up an impossible hill, especially if your credit card debt is building upon itself not just incrementally, but exponentially, thanks to interest rates.
It would then be great if there were an instant solution to a thousand-dollar problem, right? But sadly, there isn’t. Every major debt that may take $5,000, $10,000, even $50,000 to repay, needs to be treated as a major project and “attacked” similarly.
Did you ever hear of Dave Ramsey? If you have (and are possibly a fan of him), then you must have heard of his feature, “We Did It,” stories of people who have been able to get out of credit card debt, and happily so. Some of these debt overcomers actually got burned by unscrupulous credit card debt relief programs.
Did you get to note how much time it took them to repay their debt? Okay, let us give you a clue. Months. Years. Half a decade. Yes, it takes time, and a lot of hard work and some sacrifice. But with persistence and a steady, consistent pace, they were truly able to surmount the trials their debt had given them.
On a similar note, shortcuts, then, are not recommended when you’re on a mission to get out of credit card debt. Because if you try to grab a “get out of ‘jail’ (credit card debt) free card” for free via a credit card debt relief program, you may well just dig yourself a deeper hole. Why? Here are some reasons:
So remember: If you feel like you really need to have help sorting out your debts and finances, sit down first with a credit counselor. Then, follow and execute the plan properly. Don’t fall for scams, false promises and flat-out lies: steer clear of dubious credit card debt relief programs. With persistence, consistency, and steady grit in working to free yourself, you will be able to get out of credit card debt in no time.
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