With the explosion of personal debt rampant in America, the outlook of a bright future for many people appears dim. Finding effective methods for credit card debt reduction are on the minds of many individuals. Families are desperately seeking answers for credit card debt elimination.
Eaton, CO (PRWEB) November 19, 2008 -- Where do people turn for solutions to credit card debt? The choices can seem overwhelming and those seeking help need to be cautious. Many unscrupulous credit card debt service companies and unethical collection agencies want to cash in on a person's debt problems. Better Business Bureau complaints against some of these debt relief programs are on the rise. Hundreds of schemes to pay off credit card debt are under investigation by the Federal Trade Commission and the Attorneys General of several states.
Americans are tired of working just to pay their bills, with nothing to show for their hard work at the end of the month. Some are reluctant to answer the phone for fear of another creditor call. Others are simply embarrassed or ashamed of their financial situation. According to an American Payroll Association survey, nearly 70% of American workers live paycheck to paycheck.
"People need to understand that reputable debt help is available anytime but, in particular, during tough or even desperate financial times," states Robert Smith, CFP®.
"Getting out of debt really boils down to a change in mindset. If people are willing to eliminate bad spending habits and begin living in a frugal way, they can experience life-changing results. It's a simple, step-by-step process but it takes commitment and effort over time."
Smith is the creator of a website devoted to helping people achieve personal financial success and peace of mind. The site promotes educational information on several personal finance topics including bankruptcy alternatives, money management, credit card debt relief, and total credit card debt elimination. Free downloadable forms are available to help prioritize family spending and to teach children and teens the strategies to save money.
Website visitors can elect to take the free credit card Debt Test. The test results provide an objective financial snapshot based on questions that serve as leading indicators of bankruptcy risk.
Another elective is a free debt advice session. "In simple terms, we assess an individual's current financial status, factor in needs and goals, and then discuss the best way to save money and reduce debt," Smith said.
For individuals wanting to go beyond the free debt advice, Debt Mentors, LLC provides two fee-only consulting packages. One package focuses on credit card debt counseling while the other package concentrates on strategies to build long-term wealth.
"What makes us unique is our empathetic approach to helping people. We want everyone to succeed financially and gain the knowledge for paying off their debt," says Smith.
Robert M. Smith, Certified Financial Planner™ professional, is founder of Debt Mentors, LLC, a financial planning practice that specializes in strategies to get out of credit card debt. Bob is creator of a personal finance website, Debt Free Living Plan, author of a personal money-management eBook, The Financial Facelift, Life's Amazing Road Map To Abundance and Prosperity, and frequent article writer with innovative tips on how to save money and consolidate bills.
For more information please call 970-302-6053 or e-mail Bob at debtmentorllc @ gmail.com.
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