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Essential Strategies On Receiving Debt Help

By Alan Nottingham

Worrying about money and impending debt can feel overwhelming. Does this sound familiar? If so, read on to find out how to get debt help that will help save you from financial ruins.

Your first step is to stop acquiring new debt. Don’t buy the new shoes, cut down on wants and definitely do not use your credit cards anymore. You have to be willing to make this commitment to yourself.

You need to make a list of every single debt you have. This means that you have to gather up all of your bills, as well as your credit report so that you don’t overlook anything. Things to list include: credit cards, department store cards, personal loans, medical bills, and whatever else that may be in your debt pile. For each bill note how much is owed, and the interest rate charged.

Lower interest rates will help you eliminate debt quicker. This means you want to try to lower the interest rates on your credit cards, if at all possible. Call up the company and ask for a competitive rate. If you’re a good customer, and you continuously make your payments on time, they may be willing to lower your interest rates.

Now that you’ve listed your debt and have tried every possible way to lower your interest rates, you have to prioritize your finances. This means that you will list your debt in order from highest interest rate and work your way down to the lower interest rates. This will help you focus on which debts you have to tackle first.

You’ll start to tackle your list one card at a time. Make sure you stay current on all your credit cards by making at least the monthly minimum payment on each. However, your focus will be on getting rid of your highest interest rate card first. Once you’ve paid off your first card, you’ll work your way down the list until you no longer have any debt. This debt help may sound much easier said than done. However, the hardest part of getting out of debt is making the mental commitment.

When your unsecured loans are overwhelming, you can get debt help to resolve the problem. Debt settlement help is available through trained counselors who will help you find the best solution.

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Article Citation
MLA Style Citation:
Nottingham, Alan "Essential Strategies On Receiving Debt Help." Essential Strategies On Receiving Debt Help. 2 Jul. 2010. 2 Aug 2014 <>.

APA Style Citation:
Nottingham, A (2010, July 2). Essential Strategies On Receiving Debt Help. Retrieved August 2, 2014, from

Chicago Style Citation:
Nottingham, Alan "Essential Strategies On Receiving Debt Help"

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