Debt Consolidation

Debt Denial

Are you in denial when it comes to your debt? Maybe you are and you just don't know it yet. As yourself these questions to determine if you're in a state known as Debt Denial:

• Do you put off getting or opening the mail?
• Do you only pay the required minimum on my accounts?
• If so, are you struggling just to do that?
• Do you even look at the new balance each month, or do you just look at the minimum amount due and the due date?
• Do you know or have a ballpark figure about how much you owe?
• Are you close to your credit card limits? Do you even know?
• Do you know what interest rates you're paying?
• Do you check your statements to make sure there are no unauthorized charges?
• Do you know what your finance charges are?
• Afraid to apply for a loan because you don't want to hear that you're "overextended"?

If any of these apply to you, you may be in Debt Denial. Maybe only a few of these apply to you. If so, you are in the early stages of Debt Denial. All it takes for you at this point is a little education and a lot of courage. Read the pages of Debt Denial and you'll find that there are more ways for you to handle your debts than you think. In fact, most of the debt management programs you'll read about here will get you out of debt in about five years, saving you thousands of dollars in interest in the process. Besides, if you continue living in Debt Denial, you'll never make any progress towards paying off your debts. And paying off your debts improves your credit, giving you the freedom to do more things....like buy that house you've been dreaming of!

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