MY STORY

I never thought that I would have trouble paying my bills.

I had a good job. I added a little to my savings each month. I even had a small emergency fund stashed away.

And then I got married.

No, this isn’t a story about a bad relationship…my husband is wonderful and we even have a baby on the way! It was our wedding that started all of the problems. You only get married once, right? Well I insisted on only the best for our wedding. The most beautiful flowers, the most luxurious honeymoon and a dress that was to die for!

I had the time of my life that day and not a money care in the world…I’d charged nearly everything on a bunch of 0% credit cards I had opened just for the occasion.

It was a year later that the trouble started. We had moved for my husband’s work and it was taking me a while to find a new job for myself. I had been diligently paying the minimums on all of our credit cards, but as the 0% offers ended, they began charging interest at rates as high as 18.99%! Suddenly, the few hundred dollars a month I needed for the minimum payments didn’t even cover the interest charges each month. To make matters worse, we had just bought a house, which meant that we had a higher mortgage payment each month and had used all of our savings for the down payment.

I had to stop paying some of the credit cards and the banks started calling immediately. A couple of “courtesy calls” quickly turned into some very ugly letters and calls from bill collectors. The interest rates on our cards nearly doubled, all kinds of fees and penalties started showing up, and our balances – which we already couldn’t afford – were suddenly growing instead of shrinking! When we got our first letter from a lawyer who was threatening to sue us, I just cried. I didn’t know what to do and I didn’t see any way out of this awful, awful mess.

Then, I saw a story on the news about Credit Solutions.

Just days after I signed up with Credit Solutions they reached an agreement with one of my credit cards to settle my account for just half of what I owed. I nearly cried again when I got this letter:

Department Store Credit Card Reduced by $1,065.42

I knew that I could potentially negotiate down some of the amounts I owed by a little bit, but I had no idea who to talk to or what to say. This is all that Credit Solutions does, and they already had relationships with everyone I owed money too. They took over negotiations with all of my grumpy creditors and the letters and phone calls asking when I would pay my bills quickly stopped.

But the letters just kept coming. Every few days I would hear that they had reached an agreement with another credit card on my behalf and that my balances would be reduced by thousands of dollars! Nothing beats getting these letters:

Jewelry Store Installment Loan Reduced by $1,296.38

Major Credit Card Reduced by $941.97

Major Credit Card Reduced by $4,270.54

By this point I was ecstatic! I was getting my life back! And then, Credit Solutions did something that I didn’t even think was possible: they got my largest bill slashed by 70%!

Major Credit Card Reduced by $6,654.51

I recommend Credit Solutions for anyone that is having trouble paying their bills or who is overwhelmed by debt. Look, this is not a magic solution – you still need to strictly abide by your payment schedule and it will still take you many months to be debt free. But when I thought my life would literally be ruined by my debt and money problems, Credit Solutions created a way out for me in just weeks! Sandra, my debt counselor, thoroughly explained the whole process and patiently answered every single one of my questions and worries. She never made me feel stupid or like I was bad person for getting into this mess.

The results really do speak for themselves! In fact, according to the Credit Solutions Web site, they have helped over 70,000 people who owe more than $1,000,000,000 in debt!