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By Derek D'Krief

If you are struggling with credit card debt or overall debt and feel like you’re drowning pay attention because here’s a life preserver.

In today’s crazy mixed up economy where the ultra rich, Wall Street, and the bankers have changed all the rules and brought the world economy to their knees you are probably wondering how to deal with all the bill collectors and your overwhelming debt.

Maybe your house is worth what you paid for it, you may have lost your job or been laid off, or you’re making half as much money as you used to. You are desperate to find real solutions to debt consolidation and debt relief. The question is finding a solution that works!

The adverstisements for debt solutions, or debt consolidation are all over the radio, TV, and internet. Many are scams so here are some tips and some good news!

The good news is that you really can negotiate to reduce your debt, consolidate your debt, and enjoy debt relief. The tricky part is in finding someone that knows how to navigate the debt consolidation, debt reduction and debt relief minefield.

If you know someone who’s gone through this and found a good lawyer, with and expertise in debt consolidation, debt reduction and debt relief as well as bankruptcy get their name, and I mean right now! They could be your magic bullet. If you don’t have a referral to a good lawyer watch out! Many lawyers are focused on one thing, billing out their time, and forget the results. Believe me, they will do it at your expense. Be diligent and make sure they really specialize in debt relief before you give them one cent.

The amazing thing is that the credit card companies and banks often, offer to reduce or consolidate your payments when you become 60-90 days or more late on your payments. Maybe they know what they’ve done and they’re scrambling to get things back on track. Just be very careful when dealing with banks or credit card companies as they do ot have your best interest at heart. They will offer up solutions but if you don’t have it in writing they will not stick to it. That’s why a good lawyer is a lifesaver.

So here are three simple tips:

One-Hire the best best debt relief and debt consolidation lawyer that you can locate.

Two-Be wary of any debt consolidation company that does not have a lawyer on staff. It’s one thing to pay a lawyer up front, and it’s another to pay a fly-by-night company that will probably run off with your money when they discover that they can’t negotiate your debt for you. Or worse yet is that you could have negotiated the same settlement without them.

Three-Do your research on debt management and how to eliminate your debt so that you don’t ever have to face this embarrassing, and devastating situation again.

About the author: Derek D’kreif is a nationally renowned entrepreneur, lecturer, and small business and individual success mentor, who saw a need to lend the small business entrepreneur and others in need of Debt consolidation, and debt relief a helping hand.

categories: Debt Consolidation,Debt Management,Debt Solutions,Debt Relief,consolidation Debt,Debt Help,Credit Card Debt Relief

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D'Krief, D (2010, July 24). SECRETS TO DEBT COSOLIDATION AND DEBT RELIEF. Retrieved August 3, 2014, from

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