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How did all that debt get there?

October 25, 2011

Boca Raton, FL—Credit Card Debt is at epidemic proportions. It affects more Americans each year than heart attack, stroke, and diabetes combined. It is a dangerous “silent killer” carried by most Americans.

How did all that debt get there?

For Sarah C., “it all started on campus the day I got my first credit card and charged $5 lunch because I didn’t have the money. It was so easy, I charged $132 by the time my first bill came around, and I still didn’t have the money…but the minimum payment was only $10…so I sent a check for $10 and hoped it would clear.”

Sarah found out the hard way—making the minimum payment would take 30 years to pay off that one lunch. That one lunch with interest now cost $15—or 200% in interest payments—that’s the silent killer.

Debt Relief Found

Free spending consumers who have fallen into the debt trap have found relief by consolidating credit card debt with Home Equity Loans or Credit Counseling. Consumers who do not act quickly enough can create even more serious problems with the IRS or Bankruptcy.

Frozen in fear, most people suffering from these “silent killers” do nothing, making the situation worse. The problem is who to turn to and who to trust?

A non-profit organization, CreditGUARD of America, was chartered to assist those needing help and unsure of where to turn. CreditGUARD’s certified counselors will direct you to the best solution for your debt problems. Now, the best part—the advice is free.

Consumers may call tollfree 800-208-0094 or visit www.creditguard.org. To improve your credit score, the “magic number” banks use to decide who gets the best interest, visit creditmessenger.com, with line-by-line instruction— and the credit report is free.

Too Much Debt?

Let’s face it, we’re all stressed about finances.

So how do you know if you really need help?

Ask yourself five questions:

  1. Do you carry more than $4,000 in Credit Card Debt?
  2. Do you make minimum credit card payments?
  3. Do you live from paycheck to paycheck?
  4. Do you have checking, but no savings account?
  5. Do you use a credit card because you don’t have the money?

If you answered YES to any one of these questions, you could be in danger of falling behind.

Explore the best solution with a not-for-profit CreditGUARD counselor.

Learn how much you can save

Fill out the information below and one of our experts will contact you shortly.

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Almost Done!

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By providing your information, you consent and request to be contacted by CreditGuard and/or our member(s) to your phone, cell phone, email, text/SMS, and through the use of pre-recorded messages and automated dialing technology at the number(s) listed above even if your number provided on the form above is on a State, National or Corporate Do Not Call List. You are not required to purchase any goods and/or services. Standard carrier and messaging rates will apply.

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Help America Get Out of Debt
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Learn how much you can save

Fill out the information below and one of our experts will contact you shortly.

Step 1 of 2

Almost Done!

Just a few more details to get started.

By providing your information, you consent and request to be contacted by CreditGuard and/or our member(s) to your phone, cell phone, email, text/SMS, and through the use of pre-recorded messages and automated dialing technology at the number(s) listed above even if your number provided on the form above is on a State, National or Corporate Do Not Call List. You are not required to purchase any goods and/or services. Standard carrier and messaging rates will apply.

Step 2 of 2

Find Debt Relief Today!

Certified Credit Counselors are available Monday - Friday 8:00 am - 8:00 pm Eastern.

Also See…

For more information on debt consolidation, please visit:

Why Choose CreditGuard? Learn what sets our debt consolidation services apart from the rest and how we can help you take control of your debt.

The Ultimate Debt Survival Guide. Need some practical advice for dealing with debt? You’ve come to the right place. This free downloadable guide can teach you the basics of managing debt (and more).

Is Debt Settlement a Good Idea? Debt settlement and debt consolidation are not the same. Learn more about the process (and consequences) of settling your debts before going down that path.