Credit Card Debt Reduction Solution Secret!!Most of us are desperate to find a viable and realistic credit card debt reduction solution. Banks, insurance companies, and other financial institutions are being bailed out of their own bad debt while the rest of us continue to suffer. But don’t look for the government or anyone else to help you get out of debt. Sadly, we are on our own—but are we? The Great Debt Consolidation Lie
Throwing the Debt Settlement “Hail Mary”The basic pitch for this strategy is deceptively simple: “We will negotiate with your creditors on your behalf and reduce your “principle debt amount” by 40-60%!” This fairy tale sounds great but is riddled with problems, such as:
Debt Consolidation Loans To the Rescue!This option involves taking out a secured loan (typically using home or car as collateral) to pay off our credit cards with their unsecured interest rates. But with falling home values and most of us having damaged credit scores, this option is not viable for the average consumer. Credit Counseling/Debt Management “Slow Train” To NowhereThis credit card debt reduction solution involves some credit counselor “negotiating” with the creditor to lower your interest rates. Sure, this will potentially lower your monthly payments but it does not actually address your overall debt balance. Plus, the typical credit counseling plan takes 4-5 years and has a failure rate of almost 75%. Bankruptcy “Bailout”
Chapter 13 will not “bailout” your debts, literally destroys your credit rating, and leaves you paying higher interest rates for years to come. Oh, and it costs $1,000 or more in most states! The Money Merge Account® System DifferenceIdeally, we need a credit card debt solution that does not require us to go even deeper into debt by borrowing more money. The Money Merge Account system is a revolutionary debt reduction strategy that centralizes your existing income and expenses. Simply put: The Money Merge Account system is a software suite using complex algorithms that tell you when is the BEST TIME to make a payment using your existing income. Think about it: The credit card companies already have complex software suites that help them MAXIMIZE the interest you pay on your principle debt balance. The Money Merge Account system does the exact opposite because it MINIMIZES the interest you pay so that you can get out of debt in a fraction of the time—without borrowing more money! All you need to get started is:
The Money Merge Account system is truly the ultimate credit card debt reduction solution that finally helps level the playing field!
Achieve Your Debt Reduction Goals Now!!More FREE InformationExcessive Credit Card Debt Can be Eliminated in a Fraction of the Time FINALLY, Credit Card Debt Elimination Plans That Work Credit Card Debt Reduction- Is It Even Possible? Are Credit Card Debt Reduction Programs Worth the Expense?
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Coming to the rescue of the average consumer are a whole industry of “debt consolidation companies”. Promising to be the great credit card debt reduction solution, these companies actually make things worse for the average person. To understand why, let’s take a closer look at some of the more popular debt consolidation strategies:
Back in 2005, the bankruptcy laws were tightened so that it is all but impossible to qualify for Chapter 7 protection (where your debts are basically “wiped clean”). This means that most of us will have to file for Chapter 13 protection that involves a 5-year court-mandated payback plan based upon your income. 
