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Take control of your credit card debts...
Are you making the minimum payment on your credit card?
Have you paid for essentials like rent or groceries with credit card cash advances? Has a purchase been declined when using your credit card because you are over your credit limit? If you answered yes to any of these questions, you may be in over your head financially, and in need of some sound financial advice.
If your credit situation is out of control, be drastic -- cut up the plastic. If you are having a hard time making a commitment to get out of debt, contact a local branch of Debtors Anonymous. You can contact the national organization at the following address:
Debtors Anonymous P.O. Box 400 Grand Central Station New York, NY 100163-0400.
There, you will find the help you need to solve your problems. You can also contact the Consumer Credit Counseling Service (CCCS) by calling 1-800-388-CCCS. This organization will negotiate with your creditors for you and arrange for lower payments. This strategy is especially helpful in avoiding bankruptcy. The CCCS will also create a budget for you to follow. If your harmful financial habits continue even after you have tried these suggestions, remember that you are not alone. Try to take the time to find out why you are spending too much. This behavior may be a sign of a more serious problem that will need to be addressed before you get back on a sound financial track.
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