You make all your payments on time, but the account balances never go down

If you pay the minimum, or a just a little bit more than the minimum, every month on your credit cards and the balances never go down, you are not alone. I talk to people everyday struggling with this situation. Paying the ‘minimum payments,’ can cost you hundreds of dollars a month and thousands of dollars a year. This is money that you could be saving for, a down payment on house, or a new vehicle, or renovating your home.

While making the minimum monthly payments allows you to protect the payment history on your credit report, other factors such, as an out of balance debt to income ratio, mean that you will not have access to meaningful credit.

I can help you get out of the unsustainable cycle of minimum credit card payments. Filing bankruptcy gives you the fresh start that you deserve and puts you in control of your finances and allows you to make decisions that are right for you, and your family, not the credit card companies. Over the past 20 years I have helped 1,000’s of your friends, neighbors and co-workers regain control their financial future.

Please contact me so that we can discuss your situation and I can help you plan a better future.