If you are like most Americans with
bad credit you have two things: not enough money and too much credit card debt.
It's no surprise that one of the number one financial problems in the United
States is too much bad credit debt resulting from overuse of merchant credit
cards from Visa, Mastercard, and American Express. Having too much credit card
debt can destroy your mental health, but it doesn't have to be that way. There
are ways that you can avoid bankruptcy, foreclosure, and the stress of having
to deal with final notices. One of these ways is to simply get a payday advance
loan to pay down immediate debt.
One of the things that you should
remind yourself of frequently is that most creditors would rather work with you
than to have to write off your debts. Financially it is in their interest to
get some payments from you, even if those payments are reduced or not as
frequent as they would prefer. There are many options for those suffering from
credit card debt.
First of all, make sure that you get
in contact with your creditors and explain your situation clearly. If you are
talking with someone in a call center, it is not very likely they will be able
to help you so make sure you ask to speak with someone who can accurately
manage your account. Be doubly sure to write down the dates, times and who you
spoke with. Ask for a reduced interest rate and suggest a manageable repayment
plan. You will be surprised at how helpful most offices will be.
As such, it is always a good idea to
be both polite and firm. Even though you are the debtor, make it clear that you
are trying to come up with a solution that will benefit both of you. Politeness
is essential since no one wants to deal with a rude or angry person. Be sure
that you know what you want and act as if you are certain that you will get it.
Don't expect the creditor to provide you with options or solutions. That is
your job, not his.
Finally, don't expect to solve your
credit card problems over night. After all, it took time to get the debt and it
will take time to reduce it too. A bad credit payday loan may be the answer to
getting your finances back on track.
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