With high gas prices, low wages, and our economy going down we have found that many of us are stuck in a pit of debt that we just cannot climb out of. If there was only a way to get help with debt. Actually, there are several ways to get help with debt and here are your options.
The top option is to go and have a talk with your priest or pastor. They will be able to advise you about who in the church has volunteered their time to help those in need of financial counseling. This person will not only help you set up a budget to get out of debt, but they will have creative ways to help you with debt and they will help you stay out of debt for good.
The next best option is to use a credit counseling service that is set up as a not for profit. Always check with the better business bureau to make sure they are legitimate. After checking you will need to provide them with your income documents, like tax forms and pay stubs. They will pull your credit and counsel you on how to get out from under your debts along with how to avoid going into debt at all.
The last option is a refinance of your first mortgage. If you own a home you can refinance your mortgage or take out a second mortgage to pay off your debts. Only do this if you are going to be able to pay off all or very close to all of your debts. In this case you will have to have the discipline to cut up your credit cards, avoid new credit cards, and stay away from any unnecessary loans.
The bottom line is that you need help with debt and you now have three very good options that can help you get out of debt and stay out of debt. We have all been there and you are not alone. Even those that make really good money have and do end up needing help with debt. Swallow your pride and have someone help you get out of debt and stay out of debt for good.
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