http://www.debtcounselingexplained.com/debt-relief/debt-relief-program/consumer-debt-relief-program/ Unless you help yourself, no consumer debt relief program is going to rescue you from your debts. If you are prepared to make the changes, then the consumer debt relief program available to you can help you control your finances. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 Your debt is your problem While Bono may go around the world looking for debt relief for tin pot dictators, nobody is going to look to give American consumers debt relief. If you are prepared to make lifestyle changes, you might find that you could, on your own, pay off your debts within 5-7 years. If that is the case, then a consumer debt relief program could cut that time in half or by two thirds. You need to spend less than you make It seems obvious, but each month the late fees and interest expenses increase, and your debts spiral out of control. A consumer debt relief program can help eliminate the fees and reduce the interest, but you do need to pay down your debts. The more you can cut and apply to the principal, the sooner you will find yourself debt free. The consumer debt relief program work for those that want to make it work, but no debt relief program is a magic bullet. Are you ready to be debt free? The many options for a consumer debt relief program may seem confusing, but they are all going to help by reducing your interest so more of your payments go to the principal. If you never charged a penny and just paid the minimums, it might take 30 years to pay off your debts. Paying a little more than the minimums, and you'll be debt free in 15 years. Using a consumer debt relief program to lower the interest rates, and making lower payments might see you debt free in 5 years, and with the same payments, debt free in 2-3 years. The sooner you act, the sooner you'll be debt free. Sat, 26 Jul 2008 15:00:00 EDT