Posted in Finances

You Want To Get Rid Of $60,000 Of Credit Card Debt At 29% Interest And Maintain a Good Credit Score? You’re Kidding, Right? - By Steven Ciantro

Steven Ciantro is a certified credit counselor, a management representative of American Debt Enders, and a former finalist in Inc. magazine and Ernst and Young’s Entrepreneur of the Year contest. He is also a Talk-Show Radio Host and successful published songwriter and musician (his album January Tyme can be heard on YouTube), the inventor of a patented medical device, a public speaker on debt issues, and the official debt expert for motivational speaker Gail Kasper’s Top 1% Club.

 

Why do we refuse to accept the simple fact that when we were born, we did not enter heaven? Here in this world, actions have consequences, and there are rarely perfect solutions to problems we have dug ourselves into. Life is absolutely unfair. So, where am I coming from? As soon as you entered the world of credit cards, you placed yourself in the hands of the banks.

 

Who really uses and controls credit reporting? Who has sold you on the idea that you must be obsessed with your credit score? Who told you that carrying insane debt loads was an okay thing to do? Who blinded you to the fact that you can never prosper while carrying debt that you can’t possibly afford? (The word “afford” is key here, as I am not talking about business financing.) The answer to that one is both the banks and the US government. Oh, boy, I think an NSA truck just pulled up outside my office!

 

You can disagree with me, no problem, but I will tell you that it’s far better to live a debt-free life than to worship at the altar of the false god of the FICO score. The one will free you, and the other enslave you.

 

There is nothing wrong with a great credit score and a line of credit that is plenty big, especially if you are a savvy businessperson. But if your debt has gotten out of control, or things have not worked out as planned, then it’s time to look at the best way to relieve yourself of a debt that will soon oppress you, if it has not already.

 

If you are looking at a debt settlement program as the way out, then know that for a period of time—certainly not seven years (that is just more craziness the banks want you to believe) you won’t be using credit. The break from credit might actually serve as an invaluable education in how to live without it. When it is time, you can enroll in an inexpensive but excellent credit restoration program to restore everything, and you will be better for the experience.

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Steven is a certified credit counselor and management representative of American Debt Enders, rated fourth in the nation by Consumer Reviews. He was a finalist in Inc Magazine, Ernst and Young’s 1991 Entrepreneur of the Year Contest. He is also a successful published songwriter and musician (his album January Tyme can be heard on YouTube), the inventor of a patented medical device, and a public speaker about debt issues.

 

Steven is well suited to advising on debt issues. He grew up from humble beginnings, personally made a fortune from nothing in his earlier years, and lost it. The experience completely altered his value system. It took years for Steven and his wife to untangle the financial mess, which they ultimately did on their own, gaining a tremendous education in the process. It seemed that every professional debt expert they spoke to wanted to put them into even more debt to help them. The experience left Steven with chronic kidney disease, which he still battles today. In 2004, Steven found work at a national nonprofit credit counseling company. After six months he became regional manager; Steven had found a new calling. He is in the unique position of not only having become a true expert on debt relief issues, but also understanding firsthand how oppressive debt can be. In 2006 American Debt Enders was started as a company that would offer free credit counseling, and was among the first companies in the nation to use the business model of offering multiple debt relief programs and solutions under the same roof.

If you would like to subscribe to the FREE Credit Counseling Newsletter, simply leave your email address here. We never share your information. If you have a debt problem and need free credit counseling, feel free to contact me at  Help@americandebtenders.com or 877-766-246. 

 

ABOUT STEVEN CIANTRO: Steven is well suited to advising on debt issues. Growing up from humble beginnings, he personally made a fortune from nothing in his earlier years and lost it. The experience completely altered his value system. It seemed every professional debt expert Steven and his wife spoke to wanted to put them into even more debt to help them. It took years for them to untangle the financial mess, which they ultimately did on their own, gaining a tremendous education in the process. However, the experience left Steven with chronic kidney disease, which he still battles today. In 2004, Steven found work at a national nonprofit credit counseling company. After six months, he became regional manager; Steven had found a new calling. He is in the unique position of not only being a true expert on debt relief issues, but also understanding firsthand how oppressive debt can be. In 2006, American Debt Enders was started as a company that would offer free credit counseling; it was among the first companies in the nation to use the business model of offering multiple debt relief programs and solutions under the same roof.

 

This article is courtesy of the Top 1% Club and the Top 1% Club Mentor Gail Kasper. For additional information on Gail Kasper, her television appearances and speaking engagements, please visit gailkasper.com.