Credit Card Debt Relief-Do It Yourself!
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| Credit Card Debt Relief-Do It Yourself! |
| The Secret |
| Your Best Plan |
| Your Freedom Plan |
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Ever wonder what it would be like to eliminate credit card debt, and actually keep your paycheck?
According to the 2009 Consumer Financial Literacy Survey, more than 58 million Americans admit to not paying all of their bills on time. More than 13 million adults report that their household carries credit card debt of $10,000 or more from month to month, and the same number have debts in collection, are seriously considering filing for bankruptcy, or have already done so within the past three years.
If you have any credit card debt or other loans, get a plan for getting free. Plan Your Freedom is a way to create YOUR OWN plan for eliminating all your debt. Using your own situation, in just a few minutes you have a personal, secure, workable plan in your hands, and will know exactly when you will be free.
Click here to create your own plan for financial freedom!
WARNING: Do not start a "debt snowballing" plan until you have read this report!
If you want relief from credit card and other debt, you have several choices (although it may not feel like it!):
- keep paying the minimums, hoping that it will all go away "someday";
- Many credits cards now have minimum payments so low, it will take over 50 years to pay them off, even if you never touch them again!
- pay more, but where will that money come from?
- get a debt consolidation loan, but only if you have good credit and collateral
- Think about this: you're just paying for one debt with another; it doesn't really change your situation, and you could end up paying 20-30 years for what you can finish in 4 years or less!
- use a debt consolidation service, but only if you qualify and are willing to pay the extra "convenience costs":
- they charge up-front and/or monthly fees on top of your bills (even not-for-profits have to pay employees, office expenses, advertising, etc);
- you still have the responsibility, but not the control, to pay your bills on time (some companies have a history of missing payments or paying late, but it's your credit that gets hurt!)
- declare bankruptcy and deal with the repercussions for 10 years or more, but only if you qualify, and it's getting harder to qualify
- a brand-new option: Do-it-yourself debt consolidation!
Creating your own debt consolidation plan is fast, easy, requires no qualifications or discussions with anyone, and does not impact your public record in any way. But following the plan can have a huge positive impact on your life! By accelerating your payoffs without spending any more money, you can eliminate credit card debt, have freedom, control and relief like you haven't felt since before you started making payments.
Click here to create your own plan for financial freedom!
Banks, credit card issuers, life insurance companies, car dealers and anyone else who loans you money have a closely-guarded secret:
They actually want us to borrow money, and pay it back very slowly.
They don't want our cash as much as they want 3-5 times what we borrow in interest. And it's a huge, competitive industry to get us to borrow more:
- Compare your credit card's minimum payment to the monthly interest. Pretty close?
- Check out those convenience checks and no-interest transfer offers, for being such a "good customer" (translation: "For giving us lots of your money")
- 0% interest car loan? Just don't think about those rebates and incentives you passed up, or that you'll owe more than your car is worth for 3 years or longer...
- How about all those ads for mortgage and debt consolidation loans? Remember: if you pay for a debt consolidation settlement, you are also paying for those ads (not to mention their profits!)
How To Get a Debt Consolidation Loan, Without the Loan
Debt consolidation simply means to combine all your debts into one. Well, there's no secret to consolidating debt; simply add up all your monthly payments, and that is your one debt relief payment, until you are debt free. Why do you need to pay hundreds of dollars for someone to do that for you?
A debt consolidation loan, on the other hand, is taking on even more debt much longer to pay off the others. Here we go again, borrowing more money, when we really just want to eliminate debt. How did we get the idea that more debt can erase our debt problems? From all those TV, radio and print ads telling us so! Could those companies be more interested in taking our money than truly helping us?
Debt Consolidation Secrets You Can Use
- All your payments are part of one debt, just with several addresses.
- Add up your monthly payments, and that is your "one payment" until you have eliminated ALL your debts.
- Split out your monthly payment to the proper addresses in the amounts that get you free again as quickly AND cheaply as possible.
Let's say Bill has two credit cards:
| Balance | Interest rate | Mo. payment | Paid off in |
|---|---|---|---|
| $2500 | 12% | $80 | 3 years, 1 month |
| $3500 | 16% | $70 | 6 years, 8 months |
After 3 years and one month, when the first is paid off, Bill starts sending $150 each month to the second card. This is not more money, he's just sending the same payment to one address instead of two. In this example, he will be debt free 1 year and 3 months sooner, saving over $1000 in interest!
Of course, this is just a simple example; most people can save thousands of dollars more. The key is the order; after the first debt is paid, where do you send that payment?
Click here to create your own plan for financial freedom!
Plan Your Freedom is a system that creates an optimal debt relief plan for you, without any extra money, loans, credit checks, or hassles. Simply apply the payments from debts already paid off to the outstanding ones, creating a snowball that eliminates all your debts in less time, with the same money.
OK, the concept makes sense, but which payment do you increase? Most "one-size-fits-all" advice will tell you to put all your extra payment toward the highest interest. Sometimes that is the best method, but is it smarter to add the extra to the one with the smallest monthly payment? Why not speed up the debt that gets paid off next, or the one with the lowest balance? Or spread it out over all of them?
How can you pay off all your debts off fastest, AND keep the most money in your pocket?
Plan Your Freedom analysts have spent over 10 years coming up with different plans for people, and I've tried every imaginable method, including:
- highest (or lowest) interest;
- highest (or lowest) monthly payment;
- largest (or smallest) remaining balance;
- shortest (or longest) time to pay off;
- spreading the payment over all debts in different ways;
- accelerating the next one that would be paid off if the whole snowball were applied to each...
(you get the idea, we've thought about this a lot!)
All of these will help, but some may cost hundreds, even thousands of dollars more than others and take years longer. There is only one best method for each situation, so Plan Your Freedom was created to adapt to your specific numbers, giving you a month-by-month plan to eliminate your debts forever.
Within minutes, you will know how much to send where every month, until you are free and clear again. You will know that every month is a big step toward your freedom.
What would you pay to have a month-by-month plan for the fastest, cheapest way out of debt forever?
Many people have been helped by this valuable tool for $50, but for now it's only $19.99! In the future I will raise the price, so act now, and tell others!
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You are purchasing a $19.99 single-use license to create your own Freedom Plan through this site. After payment is authorized, you will return to create you own plan for financial freedom. Once you complete Plan Your Freedom and have the results (which you will be able to save and/or print), the license will be invalid.
A word about information security
Privacy and identity theft are strong concerns for many people today. Everyone needs to be especially careful with the information they provide to strangers over the phone, through the mail, and on the Internet. You will be relieved to know that Plan Your Freedom does not ask for any personal details when preparing your plan. You will simply be asked to give a "name" (any name that is meaningful to you), current balance, interest rate, and monthly payment for each of your credit cards or loans; we do not ask for any other details about you or your creditors. The information you do enter is stored in a secure database, and only for the purpose of preparing your plan.
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