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Debt Consolidation Services Facts

Debt Consolidation Services is dedicated to helping consumers learn the skills and gain the knowledge necessary to take control of their finances and to prevent future occurrences of debt. many of the consumers credit and debt related questions can be answered by our trained debt counselors.

Pre-approved credit card offers
Do you ever wonder why your mailbox is always filled with "Pre-approved " credit card offers - even though you're in debt, or maybe your credit rating is far from perfect? In recent years, it has been the norm for creditors to offer their cards to all consumers, regardless of past debt problems. It is their belief that past poor credit habits, high interest, and high monthly payments will leave you short of cash and will force you to spend more money with their card - racking up even more interest and late charges. They'll earn money and you'll be back in financial turmoil. You're certainly not alone. Credit debt is fast becoming the American way of living.

Average family credit card debt
You might be wondering, "I owe my creditors thousands of dollars - there can't be anyone worse off than me!" You're definitely not alone! Many Debt Consolidation Services clients carry balances as high as $200,000.

Personal bankruptcy
One indicator of debt in the U.S. is the number of personal bankruptcies declared each year. While many more bankruptcies are declared than need to be, statistics show how many people feel their debt burden is more than they can handle: Personal bankruptcies are at an all time high! In 1997 there were more than 1.3 million declared. That figure is up 63% from just 10 years ago.

National consumer debt
In many ways, America is a nation carrying the heavy weight of its citizens' (and government's) debt. National consumer debt reflects many different factors, so we'll concentrate on consumer credit debt, which accounts for 40% of the national figure.

National consumer debt has reached an all-time high of over 1 trillion dollars. Credit card debt accounts for approximately 400 billion dollars of that figure.

You can help put an end to our national romance with debt by becoming debt free by learning the skills necessary regain control of your own finances and to handle your spending responsibly. Debt Consolidation Services will help you become debt free. Along the way, we can teach how to be a responsible credit consumer so that you may stay debt free.

Debt Consolidation Services is currently developing community education seminars, a credit counseling CD-ROM, and many other educational resources for our clients and the community at large.

We work with you to find the best plan to get you back on track and debt free!