http://www.americandebtgirl.com/debt-elimination.html Debt elimination programs have never been more necessary than they are in today's world. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 What do you spend your money on? Think about it seriously for a minute. Americans spent over $2 trillion on "stuff" last year. And $800 billion of it has yet to be paid for in full. It averages out to over $7,000 a person. This country is in serious need of debt elimination. A Nation Facing Debt Elimination The stats are grim. They speak for themselves. But how much do you contribute to that number? Are you close to the top of that $7,000 a person? Have you surpassed it? Or are you somewhere in between? In any case, you're probably a candidate for debt elimination. Many people in this country aren't even aware that they have options outside of bankruptcy when it comes to debt elimination, when in fact, there are so many debt elimination options that Congress has signed a bill into law that requires anyone who files for bankruptcy to go through a debt elimination program first. And, there are many different programs for the many types of debt that people have. There's credit card debt elimination, student loan debt consolidation, debt consolidation mortgages...the list goes on and on. The debt elimination program that's best for you depends on the type of debt you have and your resources. Below, we've outlined some of these legal debt elimination programs and given a brief description of each: Debt Consolidation - The most popular form of debt elimination, probably because it doesn't involve qualifying for a loan. this is a process through which a debt management professional contacts your creditors to get your balances and interest rates reduced, then the new balances are combined into one, and you make one monthly payment to the debt consolidation company instead of several payments to your creditors. Your interest rates are so much lower that you're out of debt in about five years. Debt Consolidation Loan - A loan is made to you to pay off your creditors. You pay the loan back at an interest rate that's half as much as what you were probably paying on your unsecured debts, so your loan is paid off in about five years. Debt Settlement - A debt management professional contacts your creditors to negotiate on your behalf. Through negotiation, you will pay off your debt at 30-50 cents on the dollar, but you have to have that new amount paid off in full within a year or less. Student Loan Debt Consolidation - Combines all your student loans together into one at a much lower fixed rate. As an added bonus, your payments are cut nearly in half. Debt Consolidation Mortgage - Allows you to borrow from the equity in your house to pay off your unsecured debts. Total debt elimination with your home to thank. Right on. As you can see, debt doesn't have to be your downfall. Especially when there is so much debt help available. Make it a reality with all of the debt elimination programs that you have to choose from. Get in touch with the debt elimination services that can give you the answers you need. Sat, 26 Jul 2008 15:00:00 EDT http://www.americandebtgirl.com/total-debt-elimination.html If you're going to do anything, do total debt elimination. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 http://www.americandebtgirl.com/debt-elimination-program.html A debt elimination program could be the answer to your financial prayers. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 http://www.americandebtgirl.com/legal-debt-elimination.html Legal debt elimination, as explained by American Debt Girl's sorority sister Elle. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 http://www.americandebtgirl.com/debt-elimination-services.html Debt elimination services can put you on the fast track to financial freedom! en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 http://www.americandebtgirl.com/debt-elimination-programs.html Debt elimination programs are there to help you, so why do you just sit there and pretend that they don't exist - how rude! en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 http://www.americandebtgirl.com/credit-card-debt-elimination.html Credit card debt elimination programs for one and all. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0