Paying back debt always takes time and money.  It’s not always easy and there are no free debt relief programs.  There are a lot of debt relief scams, and sometimes false advertisements claiming to be a free debt relief program; but you know nothing is really free.

You owe money because you borrowed it from a lender or credit card company, or you didn’t pay for a service you received ( like a hospital bill or car repairs).

Owing money is not a crime, and most of us fall into the debt trap at one time or another.  Sometimes it’s hard to pay the money back, but it’s always dangerous to ignore the debt.

A creditor lawsuit can lead to wage garnishments, bank levies, or liens on your personal property as well as causing a lot of embarrassment.  If you really want to overcome your debt problems, then you have to make a real effort and learn how to do it.

Don’t expect to find a free debt relief program, but you can take steps to make debt reduction less expensive. This means investing your time, and resources in learning, making a plan, calling your creditors and following the plan.  Creditors are usually willing to work on a plan to reduce your debt.