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HowtoPayoffCreditCardDebtFast!
Thank Goodness!
I need Help!
This is Steve…..
Hi there!
Uh-Oh…..
Steve got in a little over his head
How did this happen?
He he he…
You’ll never get out
from under this debt!
His Bills are out of control
How to Pay off Credit Card Debt Fast BLOG by @gfsdebtrelief:
But I had so much fun…..
And he is wondering if he will ever be debt free
An average of 24 percent of
Americans owe more money in
credit card debt than they have in
their savings account.
Steve is not alone…..
That’s a lot!
What am I going to do?
What is Steve going to do?
He he he…
Now you’ll have to file
for bankruptcy!
 …pay off Debt with Consumer
Credit Counseling
 …pay off Credit Card Debt
Fast When Current on
Accounts
 …pay off Debt with Debt
Settlement
Hey Steve, we have a few
ideas that may help you…
We Help Give Americans a Financial Fresh Start
Consumer Credit Counseling can help
lower your interest rates on each account
and consolidate your debt into one
monthly payment.
Debt free at last!
A professional Consumer Credit
Counselor will:
 Assess your current financial
situation
 Negotiate lower interest
rates on each credit card
 Consolidate your debt into
one monthly payment
 Provide credit card relief
education programs
The benefits of a Consumer
Credit Counseling Program are:
 Lower interest rate on debt
resulting in lower payback
 One monthly payment
 Debt free in about 5 years!
 Less impact on credit
Here is an example of how a
Consumer Credit Counseling
program can work:
Try our Debt Relief Calculator for yourself
Total Debt: $50,000
Monthly payment: $1,100
(roughly the same as when a person pays
minimum payments, but less interest)
Estimated Pay back: $66,000.
Be debt free in around 5 years.
Well, in that case, I have
some ideas on how you can
pay off credit card debt
faster when you are current
on your accounts
Great! I would love to know
how to pay off my credit
cards faster!
Ok, that sounds really
awesome. But, what if I am
happy with my interest rates
and I don’t mind making
multiple payments
First, you need to STOP using
your credit cards
Then, create a budget
analysis
Organize your credit cards from
highest interest rate to lowest and
pay highest first
You can even make payments
twice a month!
See if you can find ways to cut
expenses to increase the amount of
money you have to pay off debt
Where to cut monthly expenses
 Reduce cable bill
 Reduce cell phone plan
 Lower grocery bill
 Eat in more often
 Find cheaper or free entertainment
 Rideshare twice a week
 Shop for cheaper insurance plans
 Other
Finally, reward yourself when
you pay off a card!
Ideas
 Take your spouse to dinner
 Take the kids miniature golfing
 Go see a movie
 Get that Starbucks you been
denying yourself
 Have friends over for dinner…
…..maybe we’ll get a new
BOAT!
Ummm, don’t you think you
should be a little more
realistic?
Darn! I suppose we should
celebrate with dinner and a
movie
That’s more like it. The goal
is to STAY out of debt
Yes, it is challenging, but if
your accounts are up to date
and your interest rates are
low, this is a good option.
What if I can’t even make my
minimum payments?
Paying off Debt with a Debt Settlement
Then you should consider
Debt Settlement
Wow, I wish I was able to do
that on my own.
You may be a good candidate for
a Debt Settlement if:
Paying off Debt with a Debt Settlement
You are in
financial
hardship
You cannot
make
minimum
payments
Your
accounts
are sent to
collection
A Professional Debt Settlement
Negotiator will:
Paying off Debt with a Debt Settlement
 Create a custom built
program for your financial
situation
 Settle one debt at a time
until you are debt free
 Negotiate lower balances
 Set up one flexible lower
monthly payment toward all
debt
The benefits of a Debt Settlement
are:
Paying off Debt with a Debt Settlement
You end up
paying back
LESS than
the total
owed
Avoid
Bankruptcy
DEBT FREE
in about 3
years!
We can even negotiate a flexible payment
plan based on your financial need.
Paying off Debt with a Debt Settlement
Try our Debt Relief Calculator for yourself
Example of a Debt Settlement Plan
Total Debt: $50,000
Monthly payment: $900
Estimated Pay back: $32,400
Be debt free in around 3 years.
No problem Steve. Which
option interests you the
most?
I think the Credit Counseling
Program is the best for me.
My interest rates are kind of
high and one monthly
payment would sure help.
Paying off Debt with a Debt Settlement
Perfect! I wish you luck
Steve. I know you can do this!
Thanks for all the
information. I really
appreciate the ideas
How We Can Help You:
 Custom Debt Relief Program
 Debt Consolidation
 Debt Negotiation and
Settlement
 Tax Relief
 Student Loan Debt Relief
 Credit Card Relief Services
 Financial Education
 Debt Relief Blog
 Debt Relief Resources
 Visit our Website
GOLDEN FINANCIAL SERVICES
Call with any questions:
1-866-376-9846
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Learn How to Pay off Credit Card Debt Fast - by @gfsdebtrelief (Golden Financial Services)