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10 steps to not paying your unaffordable credit card debt by Mel Thompson

23m ago
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Visit my website on http://www.creditsabre.com/ At this point in your life your credit card debt burden is probably making it difficult for you to think straight. You are at risk of, or you may have already fallen victim to, some sort of credit card debt relief program that got you to pay money you didn’t really have before they delivered any results. And, you ended up not getting ANY debt reduction or elimination at all. Table of Contents Step 1: To get out from under burdensome unpaid credit card debt, you first need the right mindset that will enable you to succeed. Step 2: Understand you can walk away, if you have to, from your unsecured credit card debt by following in the footsteps of many others including myself who were in the same situation you find yourself in today, or one you may soon find yourself in. Step 3: You Need to Learn to How to Fend off Unsecured Creditors (credit card banks) and Their Debt Collectors before Making Any Decisions !!! Step 4: Do Not Commit Financial “Death” By Guilt Step 5: Understand the Credit Card Debt Aging and Debt Collection Process At this point the junk debt buyer could: Step 6: Use the FDCPA and Watch for CFPB, but MORE Federal Protection for Consumers with Overdue Credit Card Debt Is Still in the Process Step 7: Learn to Practice Resistance and Documentation – How to Help Yourself Step 8: Understand The Arbitration Scam Step 9: Avoid the Wrong Kind of Help Step 10: Accept the Reality That You Cannot Afford to Pay These Debts and Make the Decision to Stop Payment 10a. Adopt a Do-It-Yourself Attitude You can get my free ebook at http://www.creditsabre.com/free-e-book-3-simple-steps-to-defeat-debt-collectors-the-next-time-they-call/ Step 1: To get out from under burdensome unpaid credit card debt, you first need the right mindset that will enable you to succeed. It is time to stop flailing about as if you were drowning in that debt. I got my mind “right” by educating myself about credit card debt and debt collection. (If you have not read my story about how I successfully stopped paying $63,000 in credit card debt, read it here.) If you too educate yourself first, then you will develop a productive mindset that will enable you to make the right decisions and take the right actions to put your credit card debt behind you. You must have sufficient background and knowledge to stick with the strategies I recommend. That means you must read and study these materials. If you are not willing to take the time to read and learn about your situation, then DO NOT buy my ebooks because you will have to no clue about what will and what will not work with debt collectors and collection attorneys. Today finances are difficult for many people. Are you having trouble paying your bills? Is your credit card debt piling up with increased interests rates and late fees? Have your balance limits been reduced? Have you thought about bankruptcy? Do you feel guilty about the prospect of being in debt and not being able to pay your bills? Your financial problems may be the result of a job loss, a catastrophic illness, a death in the family, student loans, a failed business venture, or just simple mismanagement of your finances. Whatever the cause, are you concerned about being controlled by your creditors? You should never sacrifice resources that go to your or your family’s food, shelter, clothing, transportation, healthcare and education needs to pay unsecured credit card debt. NOW is the time to replace your fear of the unknown consequences of being in debt with the confidence and a plan that will get you beyond your debt problems. Now is the time to educate yourself so you can confidently develop a plan. After you go through this process of knowledge acquisition you will realize that bankruptcy should be the last thing for you to consider NOT THE FIRST! Have you been enticed by the seductive radio ads from debt settlement and negotiation firms promising to settle your deb...