Holiday Debt Leaves Consumers Struggling To Pay Bills Once Again in 2008

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Debt relief ads on radio and TV after the holidays confuse consumers, who don't know who to trust, and makes getting out of debt more difficult. The free Consumer Guide to Debt Reduction Programs will help consumers with too much credit card debt to decide which option is right for them - without getting ripped off.

Now that the holidays are over, many Americans are struggling to pay their credit card bills. There are so many options for consumers, who are bombarded with TV and radio ads offering debt relief. Yet many Americans still do not know who to trust or which option is the right one for them.

Online message boards are often filled with horror stories of debt reduction plans gone wrong - broken promises, missing payments, lack of trust. Consumers hear these stories and often do not seek the professional help that they need, even thought they may need it badly. Deciding on the right kind of debt help for their situation is confusing. Finding a debt professional that is honest and reliable to help sort out the options is often challenging for someone without a financial background.

Mark Brinker, owner of debt settlement firm Hoffman, Brinker, & Roberts ( says "As I've always said, if you have the ability to pay your bills then you should honor your commitments. But if life throws you an unexpected curveball which makes it impossible to pay as originally intended, you might need to consider other options for resolving your outstanding debts on a voluntary basis."

The Consumer Guide to Debt Reduction Programs from compares the pro's and con's of various debt reduction programs such as credit counseling, debt consolidation, debt settlement, payday loans, and bankruptcy. Consumers can sort out the options, and learn how to get the help they need in relieving the burden of post-holiday debt, without getting ripped off: was developed in 2002 by Kris Bickell to share the tips and strategies he learned while overcoming his own financial difficulties, and help consumers find honest information on getting out of debt, saving money, and fixing credit problems.

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