Have You No Option Aside From Debt Consolidation Help ...

It seems that everyone is in debt. Recent statistics show that that the average American family in credit card debt carries a balance of $4000 on several credit cards from month to month. So there really is no reason to wonder after all, because it should be no surprise why America is in so much debt these days, what with the ubiquitous sweet talk we hear each day, asking us to buy something.

And if that wasn?t enough, just about anybody can get a credit card nowadays, which is almost a travesty considering the number of extravagant spenders in America. It has seemingly become the status quo to be in debt, but if you are already knee-deep or even ankle-deep in the flood waters of debt, you probably need help before the waters of insolvency rise even deeper.

It?s time to huddle up in a corner, do some self-assessment and come out with a good idea about your state of financial health (or financial disrepair) and decide whether you should opt for debt consolidation help or not ? here are some guide questions.

Are you frequently, or worse, always late on your monthly bills? There are fortuitous events that everybody encounters from time to time, such as hospital expenses or auto repair costs. In other words, life?s little surprises can stick a fork in your monthly budget. But if you are invariably having difficulty paying on time, or even paying for that matter, then you, my friend, are in need of help.

Are you close to reaching your limit or have you overstepped your limit on most, if not all credit cards? It is so easy to qualify for a credit card and subsequently run into credit card debt as we often find ourselves buying now and paying much, much later with our plastic.

Do you only make the minimum payments on your credit card balance each month? Credit cards are billed monthly to increase your interest amount accrued. You will probably have more than a few white hairs if you try paying off your account by paying only the minimum.

Are you dipping into your past savings, or worse you have used up your savings already? At this point you are probably unable to pay for fortuitous events. You cannot afford to fall sick and your car must skip its maintenance?s servicing because you have not got the money.

Are you doing even more ?cheating? by making cash advances or using a credit line to pay the bills each month? If you do this month after month, then my friend, you are only asking for a mountain of debts to crash down on you.

You may as well admit it ? if you answered yes to most of the questions above or maybe all of them, then you must have some mountainous debts and are probably at the nadir of your struggle with debt. But despite those debts, it there is still hope. It only means that you need to take action to clear your debts and debt consolidation may just be the answer.

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Source: http://www.financialnewsline.com/finance/have-you-no-option-aside-from-debt-consolidation-help/

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