The Season Begins for Credit Card Abuse

The season has officially begun. This is the time of year Americans flock to the mall in droves to catch all the bargains that retailers have to offer. The reason of course is to find those perfect gifts, along with the satisfaction of finding a great deal. Yet when the credit card statements arrive over the next few months, many consumers will find that they once again over extended their budgets. Many still have not fully paid off their debts from last year.

It is too easy to do. Credit is easy to obtain, and we are constantly bombarded with incentives to use our credit cards instead of cash. Incentives range from airline miles, to free gasoline, to cash back rewards. Credit card commercials are designed to give us the mindset that we can live like royalty, if we just use our credit cards. They are very successful at this. When using plastic, we don’t feel as if we are actually spending money.

Credit card use can quickly turn into credit card abuse. This is especially true during the holiday shopping season. Reality quickly sets in when the statements arrive in December and January. When the credit card balances become out of control, the consumer begins to search for their best debt relief. Instead of a consolidation program or refinancing their house (again), consumers are now turning to debt elimination. A true elimination program will allow people to legally walk away from 100% of that debt, without bankruptcy, consolidation, or refinancing.

Given the fact that bankruptcy may no longer be an option, consumers and small business owners are now finding this type of debt relief more suitable to their needs. They are also finding their credit scores are higher after completing this process.

The process that is used to discharge debt is based off of U.S. Supreme Courts decisions, Title 15 United State Code (USC), the Fair Debt Collections Practices Act, the Fair Credit Billing Act, the Uniform Commercial Code (UCC), and numerous Banking and Lending laws.

The time-tested legal procedures used to eliminate credit card debt have been used by thousands of people with tremendous success. It is truly the alternative to bankruptcy, credit counseling, and debt consolidation. The program is applicable to all major credit cards and unsecured signature loans.

Jim Vrana of The True Debt Advisor states, "People do need to understand that they should be responsible with their cards. They should forget about the extra airline miles. If you can’t afford something now, don’t buy it now." He adds, "When the burden becomes too overwhelming, this program is giving people a fresh start on their financial lives. A ‘do-over’ you might call it. Without the credit-sting or shame of bankruptcy."

After enduring a failing software development company, Jim Vrana found himself deep in debt, and looking for a better way out. Now touted as The True Debt Advisor, Jim Vrana’s mission is to educate and empower people to overcome their financial challenges.

Contact:

Jim Vrana
True Debt Advisor
(800) 637-1785
http://www.TrueDebtAdvisor.com