How I Was Able to Find Credit Card Debt Relief

Several years ago I was not able to pay my monthly credit card bills, nor could I not afford to settle those debts. I feared for the future.  I felt insecure. I worried about debt collectors and court judgments. I searched for answers to my problem.

I had suffered the double financial whammy of a divorce and a bad year in sales for my business. Some months I had to choose to make child support payments and forgo the month’s credit card payments.  I began using credit card courtesy checks.  My credit was good. My credit card limits were high.  But, as the months passed my credit rating began to slip, and my credit limits were reduced.  I began missing payments.  I looked into filing bankruptcy. Fortunately I realized that should be my last option, not my first.

I had no choice, I stopped making credit card payments altogether to focus on child support and monthly necessities. I expected the worse.  I researched credit card debt collection for many hours every day over a few months.  I learned how to help myself to credit card debt relief by knowing how to handle debt collectors and collection attorneys.

As a result, over the next 18 months:

• I never resumed payment of my credit card debts.
• I received settlement offers from some of the banks I could not afford to pay.
• I responded correctly in writing to several debt collectors and junk debt buyers and never heard from them again.
• More than one debt collector called to lie to me that a summons was in the mail, and force me to make an immediate payment to avoid being sued.
• I cleaned up my credit report. Two and half years after my credit cards charged off, I was approved for a new car loan. Had I filed bankruptcy my credit would have been ruined for ten years.
• My credit card debts were bought and sold.  I resisted each new junk debt buyer and their collection attorney with the proper written responses.

Now, several years later, I am financially whole again.  I helped myself out of tens-of-thousands of dollars in credit card debt.  I am not proud of that.  I do not consider it an achievement.  But, what I am happy about is that I avoided being victimized by the debt collection industry, and now I can help others do the same thing.

Credit card debt relief is a learning experience. Regain your peace of mind.  Join our calls and receive our coaching materials.