I imagine you would like to get rid of some credit card debt without having to pay it down. Get yourself out of debt without paying a cent. It would be awesome if we could all pile up a lot of debt and then just get rid of the debt without every paying for anything. There is no doubt we would be a society of deadbeats if we all did that though.
You can rest assured that you are not the first person to attempt to find a way out of your credit card debt without paying it off. However when you stop to consider it, there is a solution available! The answer is so basic and so in your face that it will quite possibly shock you! How prepared are you? Simply stop paying your credit card bill each month!
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See, I mentioned to you that it was really easy. This is not the answer that people want to hear, everyone knows that if they do not pay off their unsecured credit card that there will be consequences. However not keeping your part of the agreement with your lenders and attempting to discover methods to eliminate credit card debt without paying, you are taking a chance of ending up in one or all of the situations discussed below:
- By not paying your bills, it goes without saying that you could damage your credit profile permanently. If your credit rating is too low, you could find it very difficult in the future to get credit cards, car loans or even mortgages.
- More employers are starting to run credit checks before hiring people. Periodic credit checks are commonly done on employees that have access to company credit. This is generally done as a method to protect the business from people who may not be familiar with how they should be managing their money.
- If you do not take care of your bills, then you have a higher chance of paying an increased interest rate in the future.
- Service companies such as cell phone providers routinely run credit checks on consumers who attempt to set up accounts with them. A really bad credit score can mean that you will probably not be able to get a cell phone of your own. But cellular telephone services are not alone. Insurance agencies do the same thing. Unfortunately, if you do not make some arrangement with your creditors, you could even be denied insurance.
As you are aware, utilizing the only process to get rid of credit card debt without actually paying it has some real negative effects. There are some things you can do in order to make your credit card bills easier to deal with and less painful. This will enable you to pay what you owe and avoid the embarrassment that lots of people face when they do not pay their bills.
Fortunately, most companies are more than willing to negotiate with you on the debt you owe. Unfortunately, they usually will not negotiate directly with the consumer. Is it any wonder that most consumers will use third parties to negotiate unsecured debts with credit card companies?
Since these organizations are nonprofit, there are no huge fees to worry about. Everyone benefits from their existence. While you could believe that you are truly the only person working to figure out how to get rid of their credit card debt without paying it, you are truly not alone. The reason that these nonprofit organizations were established was because a lot of people are seeking just such a solution.
You should go to one of these organizations for help before you decide to go the deadbeat route of trying to eliminate credit card debt without paying.
Eliminate Credit Card Debt Without Paying - The Secrets We Would All Love to Know
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