Avoiding bankruptcy, Becoming Debt Free

For years, I'd stayed just ahead of my credit cards but when I got laid off last year, everything started catching up with me. I was paying the minimum payments each month but with just unemployment to depend on, I was stuck with $13,000 between my Visa and Mastercard statements..

I was just shy of declaring bankruptcy when I decided to see what sort of help I could get with all this debt. I filled out the free application on Debt Consolidation Time and talked to one of their representatives later the same day. It took a week or so to work out some of the basics, but I was informed that instead of taking twenty or even thirty years that I was going to spend if I paid it off myself, I'd have everything taken care of in a few years instead of decades. And, unlike bankruptcy, it doesn't ruin my credit!

- Vince, 33, Industrial Engineer


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