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Credit Card Debt Relief
Today there are credit card debt relief programs up and running and available in all 50 U.S. states. Through these credit card debt relief programs it is possible to reduce and eliminate up to 50 percent or more of debt in almost all cases.
Credit card debt relief in the past was mainly limited to two competing programs: debt consolidation and bankruptcy. Credit card debt relief through debt consolidation involves the consolidating of multiple loan payments into a single loan payment. This type of credit card debt relief program may or may involve the taking out of a new loan to pay off the existing loans. This is sort of how the U.S. government tries to balance its books - with little success.
In fact, debt consolidation can be downright risky and ripe with peril. Here's why: If a consumer look for credit card debt relief takes out a home equity loan, what they are in fact doing is exchanging unsecured debt (credit card debt) for that is secured by their home. If the consumer would have difficulty making their new home equity loan payments in the future, they would be at very serious risk of losing their home.
Likewise, when it comes to credit card relief programs, bankruptcy also brings with it many negative consequences. And these are not simply potential negative consequences - these are actual negative consequences that do occur. Bankruptcy remains on the filer's credit record for 10 full years, and a bankruptcy filing can remain on the public record for eternity.
Yet with the new credit card debt relief programs of today, such as Debt Settlement, it is possible to reduce and eliminate up to 50 percent or more of credit card debt - without the taking out of any new loans, and without the need for bankruptcy.
To learn more about credit card debt relief and how to get started, please visit Total Debt Relief at:
John Chase works in the finance field, and writes about topics such as debt settlement & debt consolidation, home loan modification, credit repair and unemployment issues.
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