My Big, Fat, Unpaid Credit Card Bill

When the statements piled up and the creditors started calling, I had to do the unthinkable -- confront my mounting debt. It was December of last year, a few weeks before Christmas, and I was buying a present at Barnes & Noble. “Do you have another credit card?” asked the salesman. “This one doesn’t want to go through.” How gracious of him to make it sound like the credit card’s fault. That credit card was such a coward, always chickening out in the face of a crucial transaction. Unfortunately, I did not have another credit card. Well, actually, I had three, but experience had proved they didn’t want to go through, either. There was a time when this exchange would have flustered me, left me

Ten Things Debt-Free People Do

I was debt-free once. I had paid off my student loan and had no consumer debt. I thought I would immediately start spending my suddenly-increased disposable income but I didn’t. Instead I found that I was very cautious with my money until I made the choice to go back into debt via a mortgage. It turns out that I was like most debt-free people. It takes a lot of work to become debt-free and those lessons tend to stick with people. Patrick Demers* recently became debt-free but it took him four years to get rid of $30,000 of debt. He says in an email interview, “I had accumulated a considerable amount of school debt, credit card debt and went through a stretch of being unemployed for roughly si

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*My Big Debt does not provide debt relief services. My Big Debt matches consumers with debt relief companies in our network. By submitting your information you agree to be contacted by our partner debt relief providers via phone and / or email.  

*Clients who make all their monthly program payments pay approximately 50% of their enrolled balance before fees, or 68% to 75% including fees, over 24 to 48 months. Not all clients are able to complete our program for various reasons, including their ability to save sufficient funds. Our estimates are based on prior results, which will vary depending on your specific circumstances. We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Our service is not available in all states and our fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. The use of debt settlement services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements we obtain on your behalf resolve the entire account, including all accrued fees and interest. C.P.D. Reg. No. T.S.12-03825

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