Are you having issues managing your debt? Do you find that you are constantly struggling to get your finances under control? No matter how much you pray and pray your efforts just are not getting the job done? You are not alone. In a survey completed in July 2008 by Javelin Strategy and Research, 28 percent of those surveyed said their ability to pay off their credit card balance has become more difficult. And when finances are tight, 59%...

Did you know that 93 percent of credit cards allowed the issuing bank to raise any interest rate and any time by changing the account agreement? (Source: Pew Safe Credit Cards Project, March 2009) Have you found your monthly minimum payments to your credit card getting larger and larger and you are not even paying off the principal? You pray that you can find...

It seems that more and more there is a bit of a negative aura surrounding debt settlement. Some say that debt settlement can ruin your credit score for the rest of your life or only an attorney can settle you debt.

But the truth is that if you are 60, 90 or 120 days late on unsecured debt payments, your credit score has already taken a hit. Debt settlement could...