I don’t think there is anything else that causes more stress than monthly bills that cannot be paid.  It seems like every year expenses go up.  I try my best not to use credit cards, but then a lot of times something unexpectedly will happen.  For example, last month my car needed repairs and the bill came out $375.  A couple months ago I had to go to the dentist and have a tooth pulled which cost another $192.  I don’t know about you but I don’t have extra money like that sitting around. 

It’s nice to know that there are companies out there whose main job is to help us out of debt.  Basically they do all the work for us when it comes to negotiating with our creditors.  One company in particular is called Freedomdebtrelief.com.  They are so good they will try to reduce debt by 50%.  That means if your credit card debt is reaching $20-$30,000 they will negotiate to have it reduced to $10-$15,000!  You can find all the information you need on their website at Freedom Debt Relief.  It’s kind of nice to know that there are people out there who can help us.  It’s also nice to know that there is a light at the end of the tunnel when it comes to credit card debt.