Debt Negotiation > Debt Management Strategies

If you’re feeling depressed about all this—CHEER UP! There is hope. Help is available. You don’t need to go it alone. If you are a typical American family, you have about $25,000-$30,000 worth of credit card debt (excluding mortgages, car loans, and student loan payments), and you’re paying between $500 to $900 every month in endless minimum payments.

Here’s the bad news: It will take you 20-30 years to pay off your debts using the minimum payment method. The good news is that by using a debt negotiation strategy, you can be out of debt in less than three years, without increasing your monthly outlay!

Impossible, you say? Read on.

Let’s examine the four basic strategies for dealing with problem debt:

1. DO-IT-YOURSELF
2. DEBT CONSOLIDATION
3. BANKRUPTCY
4. DEBT NEGOTIATION

We’ll deal thoroughly with each of these options in turn, so you understand the full range of choices available to you.  Click on a link above to learn more.