Yes, fortunately, there is a great way for you to save a lot of time, money, and worry. The solution I am about to describe can help you if you are struggling to keep up with your credit card bills but still paying on time, and it can also help if you have fallen behind on your credit card bills. What it involves is working with a top, national, non-profit credit-counseling company to consolidate your credit-card debts into one monthly payment at a lower interest rate.

The main advantage of consolidating your credit card debt into one monthly payment is that you qualify for a much lower interest rate, typically, 6 to 9%, and if yours is a hardship case, you may even qualify for as low as 0 to 3% interest. Why is this a great help? Consolidating your credit card bills at a lower interest rate allows you to cut your repayment time to an average of 3 to 5 years instead of being burdened by those debts for the next 20 to 30 years! It is also, of course, a lot easier to be responsible for one payment than several.

To get started, all you need to do is speak by phone to a friendly, helpful counselor at a high-quality, national, non-profit credit-counseling company. That counselor will assist you in looking at your entire financial situation and figuring out your fastest, smartest strategy for getting out of debt. And, if you are being harassed by creditors, your credit counselor can even help put an end to those upsetting phone calls and letters.

As a consumer, you may already have tried, and failed, to negotiate a lower interest rate on your own, but the credit counseling company can be far more successful at doing this on your behalf.

You may also worry that signing up for a debt-management program with a credit-counseling company will hurt your credit score. It’s true that when you close credit lines during the consolidation process, your credit score dips temporarily, but once you are paying your one monthly bill on time, you are building a far better credit score because you are reducing your debt.

So if you are suffering from the burden of too much credit card debt, take action today! Use the email box on this page to email your name and phone number to me. I will personally forward it to the president of an excellent, national, non-profit credit counseling company to which I often refer consumers. He will make sure that a top counselor calls you to discuss your entire financial situation as soon as possible (a.s.a.p.).

To email me, just follow these simple steps:

  1. Type the following words in the subject line below:
    “Please Have a Credit Counselor Call Me A.S.A.P.”
  2. In the email itself, type your name as well as both your home and cell phone numbers.
  3. Send your email to: [email protected]

You don’t even need to go into any detail in your email. If you just send the above information, a friendly, helpful counselor will call you very soon to discuss your whole financial picture!