Debt Consolidation Loan Alternatives

Our Solutions (How Our Program Works)

Last year, Phil and Karen took a vacation, bought a much needed new refrigerator, and paid some mounting medical bills - all with credit cards. They incurred $10,000 of debt they intended to payoff over time. Like many Americans, they only paid the minimum monthly payment. They did not realize that it would take 34 years to repay the $10,000 and they would accumulate as much as $22,000 in interest. The total cost of their debt will reach $32,000.

Later that year, Karen had to leave work for 3 months because of the birth of their new baby. During this time, they juggled their bills as best they could, but found themselves falling behind.

As a result, their creditors raised their minimum payments, and charged late fees and penalties. Some creditors even raised their interest rates as a penalty for delinquency. Now, even though Karen is back at work, they still can't afford the larger minimum payments. Worse yet, whatever payments they do make don't seem to get them ahead. Does this sound like a familiar story?

Are you one of the millions of Americans struggling with substantial credit card balances? Worrying about temporary job loss, the birth of a child, or illness? Many people are overwhelmed in a cycle of late payments, collection calls, and fees. Sinking into a seemingly unrecoverable downward spiral of financial problems. (Debt Consolidation Loans Central's system will stop the pain, fear, and anguish and put you on the road to recovery.)

If you have $10,000 or more in unsecured debts, are behind in your payments, or about to be behind, or are considering bankruptcy, we will organize your debts into one low monthly payment within your budget and significantly reduce or eliminate interest charges. Let us help you take control of your financial life.

THE BEST-KEPT SECRETS OF THE BANKING INDUSTRY
We're about to reveal to you a method for legally and ethically eliminating your problem debts that is one of the best-kept secrets of the banking industry.

This is information that the insiders, the bank presidents and credit managers don't want you to have. But you have the right to understand your options before deciding which strategy will work for you. What we're about to show you is powerful stuff. By the time you're done reading this report, you'll know more about debt management strategies than 99 out of 100 people trying to cope with the same problem. So, let's jump right in!

A FEW WORDS ABOUT BANKS…
First, we need to help you with an "attitude adjustment." Many consumers think that by having a pleasant conversation with a bill collector on the telephone, and disclosing the nature of their financial problem, that the bank will somehow be sympathetic to their situation. WRONG! If you're having trouble making payments on your debts, it's important that you understand one thing:

THE BANK IS NOT ON YOUR SIDE!

They want their money, and that's all there is to it. The bank that holds your account doesn't care how the debt got there. They only want your minimum monthly payment, period.

It doesn't matter that you (or your spouse) lost your job and couldn't find another one for six months. It doesn't matter that you were sick or seriously injured and had medical bills that damaged your finances. It doesn't matter that you're drowning in debt as the result of a difficult divorce or separation.
As far as the bank is concerned, you signed an agreement, and unless you pay your bill on time, they intend to make your life very unpleasant. Once you start to fall behind, they lower the boom, and the dreaded collection process begins. It starts with polite phone calls and letters ("Did you forget to send us your payment?") and rapidly escalates to daily harassment, nasty letters, and abusive tactics.

Collection activity is designed to pressure you to find money someplace and send it in - NOW. Once you fall behind, the bank becomes your adversary - not your friend.

Here's one small sample of ruthless credit tactics: Get out a copy of your credit card agreement with a bank - any bank, since they all do this - and look carefully at the fine print. You'll find, if you look hard enough with a magnifying glass, that there is a nasty clause that informs you of the following: "Interest rates will be substantially increased in the event that debtor defaults on monthly payment agreement."

That's right. The banks kick you while you're down! Just when you most need them to LOWER the interest rate so you can dig yourself out of trouble faster, they begin charging a HIGHER interest rate. Frankly, this should be illegal, but unfortunately it's not. We've seen rates jump from an already ridiculous 20% up to 27% when a debt goes delinquent. In the good old days, people went to jail for charging that kind of interest. Today, they become bank presidents.

DEBT MANAGEMENT STRATEGIES
If you're feeling depressed about all this - CHEER UP! There is hope. Help is available. You don't need to go it alone. If you are a typical American family, you have about $25,000-$30,000 worth of credit card debt (excluding mortgages, car loans, and student loans), and you're paying between $500-$900 every month in endless minimum payments.

Here's the bad news: It will take you 30-40 years to pay off your debts using the minimum payment method. The good news is that by using a debt negotiation strategy, you can be out of debt in less than three years, without increasing your monthly outlay!

Impossible, you say? Read on.

Get Out of Debt - Learn how to get out of debt, save money and find financial freedom.

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