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Since the Great Recession of 2008, things have changed. Job security is almost a thing of the past. Your only job security is making sure that you keep your skills and training up to date and relevant to employers. As a result, in lower wages, underemployment and over spending, many Americans find themselves in a tough place.

Americans are trying to keep their heads above water, so oftentimes, a credit card or small loan may be necessary to pay for essential living expenses. Most Americans are responsible, hardworking folk trying to make a honest living but wages are not increasing but expenses are steadily climbing.

In addition to regular expenses, life’s emergencies happen. This can often cause deeper debt. The spiral seems to get more and more out of control.

There is help available. You do not have to live in constant fear and avoid repeated calls from creditors harassing you. Regardless of how responsible you try to be, the bills keep coming. Credit card interest rates keep increasing and it makes it difficult to make even the minimum payments.

There is help. Debtmerica credit card consolidation can help relieve some of the stress of excessive credit card debt. Oftentimes, credit card debt is mostly comprised of late fees, over the limit fees and interest rates that are more than unfair. The professional staff with Debtamerica understand the way creditors work; they know the ruthless tactics credit card companies try to use to keep you in debt. This company has a solid reputation for helping people get out of debt and stay out of debt.

The goal of this Credit Card Consolidation company is not just to help lower your monthly expenses; Financial education is also an integral part of the program. Most things in life are not free and Debtamerica is not free of charge; however, you do not pay money until we save you money. That’s right. We work on your behalf and only after we are successful getting your debt reduced do we require a reasonable fee.

Our business model is unique. We truly care about the quality of life that you and your family have. Credit card laws can be complex to understand, so we will work with you on a one-to-one basis to get your finances in order and improve your overall credit healh. Improve your financial health and knowledge. Our goal is not to have repeat customers.

One of the first steps in improving your credit and financial health is knowing exactly what you are up against. Obtain a copy of your credit report and score. Legislation requires each credit bureau to provide you with a free copy of your credit report annually. Now, you have to initate the process but Equifax, Transunion, and Experian will provide you with a copy of your credit report. Getting your credit score can cost you money, but it is money well spent.

There are some free methods of obtaining an approximate credit score, for instance, Credit Karma is one site that provides a credit score free of charge and it provides a pretty good picture of positive and negative activity on your credit report.

Once you know what credit debt you have, Debtmerica can go to bat for you. We can start working on a comprehensive plan to get you debt free. This will not happen tomorrow. It will be a process to get you in a good place. The work and money that you spend will be well worth it.

Ultimately, your stress level should decrease and you can focus on the things that truly matter without the burden of credit card debt. Consolidating your credit card debt is often the best way to get it under control and to lower your monthly payments.

If your credit score is good, you have an excellent chance of getting a credit card with an excellent interest rate. You can then transfer the balances of your other credit cards onto this one card and instead of paying multiple bills. You pay one credit card bill and save money on your interest payments.

Let us help you. It is up to you to make a decision today where you want to be. If you truly want financial freedom, contact Debtmerica.