Oct 082017

In this book, let's talk about how you can crush your credit card debt and start to regain the control of your life. You are a few pages away to reaching financial freedom. Now is the time to take action.

A Quick Step-by-Step Guide So You Can Get Out Of Credit Card Debt In Just 5 Weeks

For a limited time offer only, you can easily get this Amazon bestseller guide for just $2.99! (Regularly priced at $6.99.)

Read this ultimate credit card debt payment guide wherever: on your PC, Mac, smart phone, tablet, Kindle device, or any other ebook reader device.

This book suits you best if;
– You don’t know and you don’t want to know how much you owe because you’re scared of the real figure,
– You apply for new credit cards just so you can continue funding your lifestyle;
– You use more than 40% of your take-home income to pay for your credit card’s monthly minimum dues;
– People already harass and pressure you to pay the money you owe to them;
– You’ve tried to buy something with your credit card but it was not approved because you are over the limit already; or,
– You hide your credit card statements from your family and friends because you feel embarrassed about your debts.

In this book, 5 Effective Steps on How to Get Out of Credit Card Debt in Just 5 Weeks, you are about to learn the proven strategies on how you can get out of the credit card debt trap – forever.

Change your money management system and you can ultimately reach financial freedom! Take it from someone who has successfully helped a lot of people in getting out of credit card debt for life.

If you've been looking for a step-by-step strategy, easy-to-follow tips and effective credit card debt payment tips, then buy this book now.

Your future financially free self will thank you for it.

In This Book, You Will Discover…
How to Make Your Own Debt Management System
The First Thing You Need to Do Before You Tackle Your Credit Card Debt
4 Pointers Before You Handle Your Budgeting
Your One-Page Budget Template
10 No-Pain Ways to Cut Down Your Expenses
10 Ways You Didn't Know You Could Do to Increase Your Income
How to Choose Between Credit Card Snowball and Credit Card Avalanche Methods
Bonus Chapter: Ten Effective Ways to Stay Out of Debt FOREVER
Relatable anecdotes that make you realize you are not alone;
And a lot more information which are easily condensed into an understandable format!

Download your own copy today and slap credit card debt right in the face!

Take control of your life today.

Download this book for a limited time discount of only $0.99!

Once you have purchased this ultimate guide, there is nothing that can stop you from owning your life and finally getting rid of your credit card debt forever.

You have 5 weeks.

Start Day One today.

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3 Reasons Why You Should Not Pay Your Debt

Paying off an old collection or charge off will increase your credit score.
This is a huge MYTH!

Effects of Paying
When you pay an older collection account or charge-off account, your credit score most likely will suffer.
Think twice before paying off an old collection or charge off. By paying your debt, it renews the date of last activity. The collection company or creditors can now report the account for another 7 years.

Everyone knows debt collections are bad for your credit score. Any past due accounts including debt collections have negative effects. These accounts report on your credit report for up to7 years. As accounts age, they have less and less impact on your credit score.

Many consumers believe by paying off collections or charge-off accounts, that it will raise their credit scores. It certainly seems logical; however it is far from the truth. If you are concerned about your credit score, paying off debts prior to obtaining any other type of loan or mortgage can greatly hurt your credit score.
Ultimately, if it is an older account when paid off (or payments are made on the account), by doing so can be devastating to ones credit score. The recent activity of any derogatory item has a big impact on how it effects your overall credit score.

Is the Debt Still Valid?
After a certain period of inactivity on an account, a debt becomes time-barred and debt collectors can no longer sue you for it. This period is known as "the statute of limitations on debt" and varies by state. If the statute of limitations has passed, it is illegal for a debt collector or creditor to sue you.

You need to be careful in communicating with a debt collector because the debt statute of limitations can easily be restarted by acknowledging that you owe the debt, making a payment, entering a payment plan, making an agreement to pay or making a charge on the account.

After 7 Years
Collection and charge-off accounts should only remain on your credit report for 7 years. It is important to check your credit reports as the credit bureaus often continue reporting these derogatory accounts over the 7 year limit.

If you have any questions regarding collection accounts on your credit reports, call our office today for your complimentary credit consultation. We look forward to hearing from you. 480-502-5554

LEGAL DISCLAIMER: The advice provided is for informational purposes only. It is not to be construed as Legal Counsel or Legal Advice.

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