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Chapter 1: The Short Story about Surviving Credit Card Debt

If your time is limited, please read this chapter now in its entirety to get a new, positive perspective on your credit card debt issues. The rest of this book details each one of the areas introduced in this chapter. Read this chapter and you will be encouraged to read the rest of the book. Educate yourself first, then take the right actions to put credit card debt behind you.

Debt Collectors and Collection Attorneys: Learn to How to Avoid Them before Making Any Decisions about Bankruptcy

Today finances are difficult for many people. Are you having trouble paying your bills? Is your credit card debt piling up with increased interests rates and late fees? Have your balance limits been reduced? Have you thought about bankruptcy? Do you feel guilty about the prospect of being in debt and not being able to pay your bills?

Your financial problems may be the result of a job loss, a catastrophic illness, a death in the family, a failed business venture, or just simple mismanagement of your finances. Whatever the cause, are you concerned about being controlled by your creditors?

You should never sacrifice resources that go to your or your family’s food, shelter, clothing, transportation, healthcare and education needs to pay unsecured credit card debt.
NOW is the time to replace your fear of the unknown consequences of being in debt with the confidence and a plan that will get you beyond your debt problems.

Have you been enticed by the seductive radio ads from debt settlement and negotiation firms promising to settle your debts for you for less than 50 percent of what you owe? Please read this book first, and seek further education online if needed, BEFORE you pay thousands of dollars up front to let someone else handle your debt problems for you. Eventually you will realize, like many of us have, that you are the best person to deal with your credit card debts.

You can settle or walk away, if you have to, from your unsecured credit card debt by following in the footsteps of many others who were in the same situation you find yourself in today, or one you may soon find yourself in.
If you need help, you can find the right kind of help (not the kind with the best sales pitch) with the resources in this book.

In this first chapter I’ll lighten your load by sharing in broad strokes what little power credit card companies and debt collectors really have over you if you take the right actions against them at the right times. Then in the following chapters, I’ll provide the detail you’ll need to help yourself, including the specific resources to continue your debt relief education and, if needed, to find the right kind of help.

Until you have educated yourself, you should consider bankruptcy your last option, not your first. If all else fails, you can always file for bankruptcy protection. But, why do that much damage to your credit unless you have to? After reading this book, you will realize you can solve your problems without filing for bankruptcy.

Back to Table of Contents --or-- Go to Next Page of Chapter 1

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Use these free chapters of the Guide to educate yourself about the realities of credit card debt collection operations, settlement, and relief scams.

Then buy the rest of the book including Chapter 6: Defeating Debt Collectors and Chapter 7: Defeating Court Action for the best strategy and language for effectively communicating in writing with debt collectors and collection attorneys to prevent them from pursuing your debt.