How to Get Out of Credit Card Debt Fast and Forever
Credit card debt (consumer debt) can be incredibly destructive to your financial health and happiness. This blog article will help you to get out of credit card debt, stay debt-free for life and teach you how to sort out your finances once and for all.
Once you’ve worked through the debt busting tips in this article, you’ll be able to build a straight forward, effective, debt management plan to pay off credit cards, personal loans, credit card debt consolidation loans, student debt, consumer loans, short term loans, mortgages, and in fact any debt you have.
Why Bother With this Free Course to Get Out of Credit Card Debt?
Get out of Credit Card Debt Fast & Forever, is a proven plan to stay debt-free & future proof your finances. It’s a practical, no bull&@#*, content-rich resource for anyone who wants to get out of debt and take control of their finances.
It will help you understand all possible solutions, and provide a blueprint for the exact steps to take to pay off credit card and other debt. You’ll also get access to free downloadable resources, budgeting tools, calculators.
You will be shown the best ways to pay off credit card debt, and credit card tips and tricks.
You’ll also be empowered to plan your own savings and investments and set up your own side gigs to earn residual income. Finally you will be provided with debt help organisation contact details, in case you struggle to create your own debt management plan.
I will also be exposing the TOP 3 Secrets You Bank’s Does Not Want You To Know, so keep reading!
Why is Credit Card Debt Such A Bi@%# To Pay off?
Credit card debt statistics show that in 2018 in the United Kingdom, rising debt levels meant that on average, each person owed approximately £49,897.24.
Scientists have measured that when we spend cold, hard, physical cash, this activates a part of the brain that registers that we have lost something.
They have found that when we buy something on a credit card, no such brain activity happens. It is essentially “painless” to spend on a credit card, while spending real money is painful to our brains.
Credit Card Debt is Designed to Keep You In Debt Forever
Have you ever noticed how easy it is to spend on a credit card, especially with contactless technology? It’s extremely quick and hassle free. However, long term; credit card debt is definitely not painless & hassle-free, and can actually prevent you from ever becoming financially independent.
A credit card is actually just a convenient, flexible loan, with a spending card attached. A loan at extremely high interest rates, that allows you to keep borrowing up to a limit. So you pay off a bit and borrow it again, and pay it off and borrow it again. So it is quite possible to never pay off a credit card, if you use it in that way.
Credit cards are designed to keep you using the bank’s debt money by making it painless & effortless to spend.
Getting into debt is easy, because you are rewarded every time you overspend; by buying more stuff. Getting out of debt is hard, because you have to send money away to creditors and get no new stuff in return. So you won’t just wander out of debt like you wandered into it. YOU NEED A DEBT MANAGEMENT PLAN TO GET YOU FREE OF DEBT!
The Credit Card Secret Your Bank Will Never Tell You!
Your Bank’s #1 Dirty Lil Secret
You may not realise it, but your bank loves credit card users! Why? Because it’s great business for them. And they love it when you carry debt over month after month after month. Why?
Because it makes you are an extremely profitable investment for them. Think about it…many credit card companies charge 29.98% p.a. interest or more. That’s an investment that doubles every 2 and a half years! Imagine earning that kind of return on YOUR savings in YOUR bank account. That is what YOU are earning for your BANK when you have credit card debt.
Is Debt Getting You Down?
Before we even begin the process, it’s important to tell you something.
Remember that debt is ALWAYS a completely solvable problem. Debt freedom is possible, you just need to find the steps that work for you. It does not matter how large the debt is or how small your income is. There is always hope and a solution.
Credit card debt is a completely solvable problem, but there are some brutal steps you will need to take in order to solve the debt. However, if you find you are not coping mentally and need debt help, please contact a debt charity. You will find debt charity details at the end of this article.
Why Are You In Debt?
Now, you need to sit down, when you have some peace & quiet and brainstorm with a pen & paper. Be brutally honest with yourself. Reflect. How did you get into debt in the first place?
This is a very important step and it’s really important to be frank with yourself, and to think about what got you into credit card debt. Why do you constantly pay your debts off and then get straight back into credit card debt again?
Take time out to think about this and write down the exact reasons. Perhaps you don’t know how much you spend, perhaps you have a difficult time saying no to people when it comes to spending.
Perhaps you know that you don’t earn enough, but you’re trying to maintain an unrealistic lifestyle, which does not match your income level. Maybe you just don’t know how to manage your finances at all. Everyone was there at some point. It’s a skill you can learn; you’re not born with it.
Debt Free Step 1 Take Stock – Assessing Your Finances
How will you know where you are going if you don’t know where you are now?
The first thing you need to do is to get your free credit check. Sign up and access your records to check what your credit score is, and if you have anything on there you do not recognise. If there is, make contact with the credit agency and get them to correct it.
UK – Get Your Free Credit Report
US – Get Your Free Credit Report
Creating Your Money Mantra – What Do You ACTUALLY Want?
Everyone has a “mantra” in their head; a self-talk record on repeat that tells them who “they are” and what their life plan is. Some people may not be conscious of this, but we all do it.
Decide what your money mantra is and play this mantra to yourself in your head; so that your subconscious understands where you are trying to go financially.
For me, it was that I wanted to live a totally debt free lifestyle (free of consumer debt). And in future, I only wanted to use debt to buy income producing assets and not consumer items.
Does your song say you are a financial failure; always in debt and always on the poverty line? Or does your song say, “I have a financial plan that works, I will be ok and prosper”? You need to create the right money mantra!
Creating Your Financial Plan
Well done for sticking with me so far. It was important to go through some basics, but now we’re onto the real “meat”. Don’t try to get out of debt without the following steps in the blog. Don’t do your own thing; it doesn’t work,
This blog is a shortcut that explains your options, reveals hidden pitfalls, and puts you in control of your finances.
It will open your eyes and give you hope no matter if you’re new to managing money or have been it at it for decades.
The content is reliable, to-the-point, and offers many practical solutions to get your finances on the right track.
Set Up Your Money Goals
This is the point where you decide what you actually want to achieve. Do you want to get out of debt temporarily? Do you want to get out of debt permanently? Do you want to rebuild and change your financial life forever; by getting out of debt once and for all? Do you want to create a lasting financial plan for your life, which builds your finances every single month and allows you to invest in cash generating assets, for your future?
A lot of people fail to get out of debt fast and forever, because they don’t stop to think about their financial goals. So what happens is, they might temporarily get out of debt, but they get straight back into debt again, because they didn’t solve the reasons that got them into debt in the first place.
Create Your Budget
Now you need to go ahead and create your budget. Look at your bank statements and write all your expenses down.
Track Your Actual Spending
List out everything; transport, food, utilities, credit card bills, transport costs; everything.
Use this Dynamic Budget Planner
Once you have listed everything. Look at your income. Take your income total and minus your expenses. You may be shocked at the figures you see!
Fill in the budget spreadsheet and look at the final figures. You may have surplus cash left after covering all your expense. You might just be breakeven; where your expenses are exactly the same as your income. Or, like a lot of people; you may have a negative figure. This means that you’re going backwards every month and getting more and more into debt.
Why Budgets Don’t Always Work
Remember that budgets don’t always work. The biggest reason budgets don’t work is that people are not honest on them. It’s vital to put what you ACTUALLY spend on everything rather than a smaller figure.
You also need to allocate cash for “unplanned” expenses if they come up every month.
Reduce Your Budget & Increase Your Income
Now you’re really beginning to take action! I want you to have a close look at every single bill on your budget. Look at each expense and see if you can reduce it significantly.
Look at each utility bill, insurance payment, phone bill, food bill; each line of spending. See if you can get a cheaper deal for the same level of service/quality of goods, by switching your supplier or shopping at a cheaper supermarket. Automate the payment of all your bills by direct debit order on your bank account, if you are not already doing this.
Take Extreme Action to Reduce Your Expenses
You need to take extreme action to reduce your expenses. This is especially true if you have a negative cash flow, and are getting further and further into debt each month.
Here are some debt-busting quick wins for you:
The 3 biggest expenses generally are; accommodation, transport and food. If you can reduce these significantly, you can free up enough cash to begin paying off your debts.
Make changes that will score massive savings. If it makes sense, rent out you own place and move in move in with a friend, or back in with your parents. Yes, I know; it’s an extreme move, but massive saving.
Or cut your rent by sharing a room with a trusted & compatible friend.
Take in a roommate or lodger if you have the space, using sites like Spareroom
Try anyway you can to reduce your travel costs. Join a car club or pool, telecommute and work from home, if your job allows it.
Eat Cheap but Good Food
Find sources of good, quality, cheap food. This may mean moving slightly “downmarket” or buying supermarket “own brands”, which are often just as good. Or buying at farmers markets.
How To Increase Your Income To Pay off Debt
Sell Your Junk For Cash to Get Out of Debt Faster To get out of debt faster, sell anything you don’t need; clothes, excess furniture, stuff you never use, old phones, sports equipment, fancy toys, power tools, cars, unwanted books and gifts. Sell all your clutter & junk for cash.
Use Gumtree or Craig’s List and liquidate whatever you can to pay off your most expensive credit card or loan debt.
Now you’re moving!
Take On a Side Gig to Boost Your Income
Do as much overtime work as you possibly can get, or get another couple of jobs. This time is all about increasing your income to pay off debt, until the last debt is gone.
Remember that each extra $ or £ paid off, is one step closer to debt freedom and it’s only for a short time anyway.
How To Get Out of Debt on a Low Income
A lot of people think you just cannot get out of debt on a low income. Of course, it can be really difficult if you have accumulated a large credit card debt but are on a low income. However, the debt can still be overcome.
If you are on a low income, you have to find a way to increase your income from work and especially other non-work sources.
If you’re wondering how to pay off credit card debt more quickly, you simply have to think how you can generate more income than your own paying job.
I know this is tricky when you either have a lack of available time or there simply is no work available. In that case you really need something that generates cash without you having to always be involved. You need a passive income business.
Making a Debt Reduction Plan to Get Free of Debt
Well done for getting this far! You’re really moving now.
To make a debt reduction plan, open up a spreadsheet on your laptop and list every debt you have, the amount you owe, the interest rate you’re paying and your minimum monthly payment.
Include loans, credit cards, medical debts, payday loans, student debt, gambling debts, late utility bills, late mortgage or rent payments, your local convenience store tab, even the money you borrowed from your best friend. The lot. Everything. Every single debt.
Sort your list of debts by total amount owed, from smallest to largest. This is your battle plan to kill the debt.
Choose Your Debt Repayment Method
Now choose your debt repayment method.
Debt Snowball Method vs Debt Avalanche Method to Get Free of Debts
There are 2 debt busting ways to structure your repayments; debt snowball or debt avalanche.
Debt Snowball Method; is where you choose to repay the smallest card debt first.
Debt Avalanche Method is where you choose to repay the credit card with the highest interest rate first.
What Is the Best Way to Pay Off Credit Cards?
The debt avalanche sounds even better and quicker that snowball method to pay off credit cards.
However, comparative tests have been done, and paying off the smallest card debt first came out as the preferred method. This is because with Debt Snowball, you actually see that you are destroying your debts quickly, even small debts, and this has a massive psychological & motivational boost. As a result more people tend stick with this method.
It’s also the best way to pay off multiple credit cards. And most people have multiple credit cards.
I did this personally and I can confirm it works to kill the smallest debts first; and you will begin to feel in control of you debt problems immediately. Surprisingly you will begin to find excess cash everywhere to add to the repayments; because it feels so good to be free of debt.
Sometimes, you smallest debt cards have the highest interest rates. This is because, as you took on more and more credit card debt, you qualified for smaller and smaller card limits, at worse rates than before. This is ideal; to pay off the smallest cards that also have the highest interest rates first! Keep going.
Continuing With the Debt Snowball Method
Now, continue to make the minimum payments on every debt on the list except the top one. It’s very important to make these payments automatic, via direct debt/standing order/electronic payment. That way you won’t miss any payments,
Make larger payments to the top one and destroy that debt fast!
Once the first debt is gone, use its minimum payment along with your other income to attack and destroy the next debt.
When the second one is gone, use the minimum payments from the first two, along with your other income to attack the third debt.
Keep repeating until you have paid off all your debts. It will happen, believe it – then you will be free!
If find that you are tempted to spend on the cards you are paying off, record all the numbers & details (for overpayment purposes) and cut them up. You may want to call the credit card company to put a block on the physical card.
Remember to get the credit card company to close off the credit cards & send you a letter confirming.
The first month or two will be tough, because you’ll find that because your credit lines are frozen, you’ll suddenly have less ready cash to spend. You’re going cold turkey. So this is your plan, simple and effective. Now, time to put it into practice!
Smart Tips When Paying Off Credit Cards
A BIG WARNING that gradually you’ll see your credit card payments adjust and reduce. Don’t fall for this!
Take the excess cash that you now have from the reduced payments and use it to overpay the next credit card debt on your lost.
Keep doing this every time your repayment drops (the credit card company will do this automatically). Keep going until the debt is gone. The debt snowball method works, if you stick to it!
Now that there is surplus income in your budget I want you to do two things:
- Set up emergency cash savings account at a reliable & trustworthy bank that guarantees your deposits. Decide on a reasonable amount of money to pay in monthly; even if it’s on £50 or $50. This is your “safety net” you are building for emergencies.
- With the rest of the surplus keep overpaying on your Debt Snowball Strategy.
Get Free of Credit Card Debts by Slashing the Interest Rates You Pay
It is possible to move the debt off your high interest rate credit cards, to lower rate, and even 0% rate credit cards. This is called a Balance Transfer and deals are available online. This would have the effect of cutting the interest you have to pay, so that you would be paying off junks of capital immediately, rather than interest.
You will find it easier to get balance transfer deals if your credit record is in a good state or has improved. So be sure to check your credit record before applying for any balance transfer special deals.
If you succeed in shifting the debt to another card, you should view the new 0% credit card, as a cheap loan you are paying off. Do not use the card for spending!
Doing that would destroy your debt snowball strategy and create more high interest debt. If you find you can’t resist the temptation to spend on these cards, record all the credit card details and cut them up. Also call the credit card company and ask them to “put a marker” on the cards, so they cannot be used.
Then proceed to pay them off with the Snowball technique; knowing that you’re paying off just capital or mostly capital.
Checkout passive income ideas to learn how set up automated income generators, without having to work constantly.
Debt Free Step 2: Optimizing Your Debts
Your Bank’s #2 Dirty Lil Secret
Your Money is 100% Portable.
We tend to think we are stuck with the products the bank sold us. We also tend to think that banks products must be used the way the banks designed them. Eg. Credit cards must be used to buy food, clothes, holidays, beauty products.
We don’t tend to think we can use credit cards or personal loans to; pay off more expensive debt. However, sometimes you can get the best benefit from using financial products in an unorthodox way.
A useful trick is to refinance debt to a lower rate. This also works for high interest loans, car loans and consolidating & refinancing student loans.
Provided you take responsibility for your money, there is no problem moving your debt around to get the cheapest rate possible. You can save thousands on interest charges and A LOT of time in this way.
We’ll look at that in the next paragraph.
Review Your Debt and Try to Re-finance Again
Perhaps you’re thinking, “How can I pay off my credit cards faster? I don’t want to know how to become liability free in 5 years. I want to be debt free faster!”
Perhaps you tried to re-finance or get 0% deals, when you first started repaying your credit card debts. You were declined, but maybe that was a year or 6 months ago.
This would be a good time to check your credit record again, to see if it has improved.
If it has improved significantly, it may be worth trying to re-finance your mortgage to move your high rate credit card debt onto your mortgage at a very low rate.
Alternatively, you may now qualify for credit card 0% balance transfer deals, to do the same thing. Many credit reports will give you a rating, outlining your chance of succeeding in applications for cheaper credit; before you even apply.
Again, it’s very important to know the state of your credit report before applying.
Beware the Danger Point in Your Debt Freedom Journey
As things begin to go better in you debt freedom journey; you might still have a ways to go; but your debts will begin reducing quickly. You’ll have a monthly cash surplus and the pressure will start to ease.
THIS IS A DANGEROUS TIME! Wait what?!
There will be a temptation as the pressure starts coming off to start to spend. Like you deserve to spend a little – don’t do it, stick with the plan.
Advanced Tricks for Paying Off Credit Cards
Credit Card Debt Consolidation – Pros and Cons of Consolidating Debts
Credit card debt consolidation is a great way to reduce the amount of interest you have to pay, but beware! Some credit card debt consolidation loans can have high interest rates, large arrangement fees, complicated lending terms, are inflexible or have early repayment penalty charges.
In addition, though some credit card debt consolidation companies are legit, some are total scams, and will try to tie up any assets you have as security for you consolidation loan. Steer clear of these.
Stick to well know, reputable financial institutions that offer affordable debt relief. Look at the small print. Look at the interest rate.
You don’t have to use consolidation loans to consolidate your credit card debt! You could also use 0% credit cards to do credit card debt consolidation, a remortgage or even a personal loan.
Should I Have Credit Card Debt Written Off?
A lot of people want to find a loophole to get out of paying off debt, or have it written off completely.
Sure, there are ways to do that, but is having credit card debt written off actually going to benefit you?
I don’t think so. The reason is that simply writing off debts, just gets rid of them, without necessitating a behaviour change in us. We never have to learn to manage our money, or use debt in the right way.
Often those people just get right back into debt again anyway.
In addition, some of these debt write off arrangements, will damage your credit record long term. That’s why I don’t recommend them.
Refinance Your Mortgage to Pay Off Your Credit Cards
Interest rates are still near historic lows, and if you haven’t reviewed your mortgage recently, now’s a good time to compare offers and shop around for competitive rates.
If can save £250-£500 a month or more on your loan, you’re saving tens of thousands of pounds over the life of the mortgage.
You can also check the mortgage lender price comparison sites, for the best deals. It can be advantageous to refinance and then pay off your high interest credit cards, with proceeds from your mortgage.
But beware, make sure you close off and cut up those credit cards immediately, to make sure you don’t start spending on them again.
Reducing Short and Long-Term Debt
Your Bank’s #3 Dirty Lil Secret
How To Negotiate, Negotiate, Negotiate Your Debts Down!
Another secret you bank doesn’t want you to know; is that they will usually be willing negotiate your liabilities or interest rate down. If you make it easy for them to do that.
In many countries, the law states that banks have to treat you fairly as a customer. Many banks allow their staff discretion of one “goodwill gesture” per client per year. Certainly in the UK this is true.
So especially if there is evidence of you being a good payer, keeping them updated and making overpayments on your debt; you can ask for a goodwill gesture. Do ask for either a reduction in debt interest rate or a refund of accumulated bank charges.
I’ve had many banks refund charges and even interest, just because I built a good rapport with the person on the phone and asked if they could help me. Always be polite and positive, but also a touch of “politely pushy”; as I like to call it!
Especially if you have a lot of debt with them, have paid off a lot of debt or have been with them for a long time. They will be more willing to negotiate with you, and will not want to lose a good, profitable customer.
Calculate Debt Freedom Day
If you write up all you debts on a spreadsheet and factor in your future monthly payments, you should be able to estimate when your “Debt Freedom Day” will be.
Highlight it in big red letters on your calendar and always keep it in mind when you maybe have a bad day, and go off track on your debt free journey. You have a real, recorded, liability-free date to aim for.
Celebrate Paying Off Debts
Also, celebrate every time you kill another debt or pay off another credit card.
If you have a trusted friend who is good with money, enlist their help as your debt-free accountability partner. When you pay off another debt on your list, call them and celebrate!
Allow them to encourage you when things are maybe not going that well.
When you finally are free of debt, do a real celebration and reward yourself with something you love; a holiday, shopping trip, spa day. But pay for it with cash, not credit!
Future Proof your Financial Life to Stay Out of Debt
Saving and investing for Long-term Debt Freedom
Build Up An Emergency Cash Fund to Avoid Having to Borrow Again
You can actually start contributing to this whilst you are still paying off liabilities. Aim to build up an emergency cash fund of £1,000 or so. This is to cover any unforeseen emergencies like car breakdown medical emergency. Keep this in an easy accessible savings account.
I cannot describe to you how freeing it is, to be able to dip into your own emergency fund when you need to. It puts you in control. There’s no stress and you don’t have to go into debt or borrow from family or friends.
3 to 6 months of Expenses in Savings
Once you have your emergency fund sorted, aim to save enough cash to cover 3 to 6 months’ worth of personal expenses cover. Put this into a separate high interest cash and keep building it up! Remember this is not a stock market investment, an investment in Bitcoin or anything that fluctuates in value.
This is for your short term, but not really emergency expenses. Again, you will find this incredibly liberating. It’s great to know you are covered for 3 to 6 months, in case of something awful; like losing your job.
Invest in Unit Trusts (Mutual Funds) For Long Term Investment Growth
Save For The Long Term
Once you have your emergency fund and your expenses cash funds set up, it’s time to look to the longer term; and consider stock market investments. This is the time to open up a unit trust account (mutual funds) at a reputable broker and consider ETFs or index tracker funds. These are both really low cost and easy to deal with.
Vanguard funds and Hargreaves Lansdown are excellent online brokers to consider.
Both of these companies will help you self-select investments funds to suit your investment & risk profile.
If you’re not comfortable with self-selecting funds for yourself, I’d recommend seeing a good independent financial advisor.
Remember, stock market funds produce a better long term return on your investment than a savings account, but are very much for the medium to long term (3 years to 5+ years)
Invest 10-15% of household income into Funds for Retirement
It seems like a long way off, but retirement comes quicker than you think and it’s important to save for the long term. Make sure you save enough for it. Start early and it will be far easier to fund your retirement.
Again, Vanguard funds and Hargreaves Lansdown have very good reputations in the pension funds industry.
Set Up Reliable Side Gig or Side Business
One of the best ways to safeguard yourself from ever getting into debt again is to set up diverse income streams, which are totally independent from your day job.
You can do this with passive income investments and side businesses –
How are you doing do far?! If you have made it this far and taken action; you’re already way ahead of 98% of the world’s population!
Start Saving for Your Kids’ Futures Now
College funding for children is not that easy to come by anymore.
Start now with small amounts of cash; you have time to make a decent investment return. Give the increase in values & dividends time to build up. You’ll be very surprised at how fast it grows. Tax-protected unit trusts (mutual funds) are a great option here.
Once again, Vanguard funds and Hargreaves Lansdown have very good products, reputations and are relatively cheap for children’s investment funds.
How will this help you stay out of debt? By putting robust structures and supports into your finances. So in the future so you won’t have to scratch around trying to find cash for your child’s education and then have to take on major credit liabilities.
Overpay Your Mortgage
Overpaying your mortgage is a very smart move – Imagine not having to pay rent every month or not having to pay a mortgage payment every month!
This can be a reality and you can make this happen quicker than you think! Pay off your home early by overpaying even small amounts whenever you can. This has the effect of reducing the outstanding term of your mortgage.
Not having to pay that mortgage payment would be just like getting a salary increase.
Ensure you have all the details set up on you online banking, so you can do this quickly whenever you have a few extra bucks.
Saving and investing really works for Long-term Debt Freedom
Use Cash Only Not Credit Cards
A top tip to stay out of debt is to only use cash, not credit cards at all. Especially, if you’ve found it difficult to control your credit card spending in the past.
Why do we advise this? Because spending real cash registers with your brain. It’s also not as convenient and will make you think twice before spending.
If that is just not going to work for you, then commit to only using one credit card in future. Be super disciplined here.
That credit card should preferably be one that gives you cashback. Commit to only buying things that you budgeted for. For instance clothing, food, transport etc.
Make sure you pay off your credit card every month; this should be easier now because you’ll now have allocated cash for what you buy.
Pre-fund Your Buying – Save the Cash & Then Buy It
In fact, one step better than the above, is to budget for the monthly things you buy, pay using your credit card, and immediately pay the hard cash onto your credit card.
This feels like real spending, and will enable you to have the purchase protection, collect cash back or points, and actually not go into debt.
Commit to be Debt Free For Life
Finally, swear to yourself that you will never borrow money for consumables again!
Commit to only using debt to buy assets that produce an income and not consumer items. (Things like residential or rental property).
Always remember; it was challenging & painful to become debt-free, so don’t sell your freedom cheap.
Help Others To Get Out Of Debt
Once you’ve managed to get yourself out of debt, you’ll be an expert! So feel free to help others get out of debt and build wealth.
Remember though, to never take over someone else’s debts. You won’t be helping them learn how to be get out of debt or be financially free. You’ll actually be hindering not enabling them, so just don’t do it.
Free Debt Help
What if all of the debt is just too much for you and you have already given up? Free debt help is available. There are non-profit organisations & debt advice charities that will help you with debt for free, rather than just providing affordable debt relief.
They will help you set up a get out of debt plan and negotiate with your creditors. Be careful though, not all debt management companies are legit. Some may try you sell you credit card debt consolidation loans at higher than necessary interest rates.
There are also government debt help schemes in your country but beware they may not always be the best.
UK Debt Advice Charity
0800 138 1111
UK Government Debt Help Scheme
US Debt Advice Charity
001 (888) 505-2105
US Government Debt Help Scheme
Sort your get out of debt plan now! Don’t delay.