With the holiday shopping season behind us, we now turn our attention to a brand new year. A new year always brings us hope and inspiration. We resolve to improve many aspects of our lives. Be it better health, better relationships, or better finances, we begin the new year with great intentions. This is a chance to put the past behind us and look ahead to the future. Too often however, these resolutions are unfulfilled.
As for our resolution to improve our financial situation, this one is often blindsided when our credit card statements are opened. It is then we are hit by the cold reality of our expenditures from the previous year ? or years. Improvements in 2007 cannot be realized, with the debt cloud of 2006 hanging over our heads.
In that debt cloud is the vacation we enjoyed, the big-screen TV in our living room, and of course, the just completed holiday gift giving season. It all seemed harmless at the time. Just a small payment every month, and we can live like royalty today. We have been programmed to think this way. Yet when the credit card statements arrive over the next few months, many of us will find that we once again overused the plastic in our wallets.
The abuse of our credit cards is easy to do, as credit is too easy to obtain. And just about every retail store accepts credit cards as payment, even fast-food restaurants and grocery stores. Unfortunately, using plastic cards to pay for our goods and services is like using plastic chips at a casino; we don?t feel as if we are actually spending money. So we tend to spend too much.
As this debt cloud darkens, consumers can rejoice with the knowledge that there is a heaven above this cloud. A heaven that will allow people to legally walk away from credit card debt. A debt-free heaven. A place to start over. It?s called Debt Elimination.
With the new bankruptcy laws, many people are finding that bankruptcy may no longer be an option for them. These same people are now finding that debt elimination is the best alternative. Plus, their credit scores are actually higher after completing this process. It is truly the alternative to bankruptcy, credit counseling, and debt consolidation. Best of all, we don?t have to refinance our house ? again. The program is applicable to all major credit cards and unsecured signature loans.
Jim Vrana of The True Debt Advisor states ?People can really begin 2007 with a new financial outlook.? He adds, ?When the debt burden becomes too overwhelming, the debt elimination program is giving people a fresh start on their financial lives. A ?do-over? you might call it. Without bankruptcy and without spending those annoying refinancing fees.?
Many people are certainly skeptical about the existence of this debt relief heaven. But it does exist. The process that is used to eliminate debt is based off of U.S. Supreme Courts decisions, Title 15 United State Code (USC), the Fair Debt Collections Practices Act, the Fair Credit Billing Act, the Uniform Commercial Code (UCC), and numerous Banking and Lending laws.
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