First off, the debt repayment plan I enrolled in is FREE. There is no initial fee or monthly service fee charged by the credit counseling and debt management agency. Yes, it's a free debt management program that is only available in my country.
Do you know that credit card debt is a major cause of over one million bankruptcies each year? I almost opted for bankruptcy when my credit card debt was out of control due to high interest rates, late payment fees, over-limit fees, cash advance fees, retail interest charges and
I no longer need to worry about credit card offers. The reason is simple – I am in a free debt management program now. As long as I am still in the program, banks and credit card companies dare not won’t approve any credit cards or loans for me.
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