Debt Management

Getting a Grip on Your Debt

Debt management woes? Remember, you'll see the advertisements in newspapers, on TV, and on the Internet. You hear them on the radio. You get fliers in the mail. You may even get calls from telemarketers offering credit repair services. They all make the same claims:

* "Credit problems? No problem!"

* "We can erase your bad credit-100% guaranteed."

* "Create a new credit identity-legally."

* "We can remove bankruptcies, judgments, liens, and bad loans from your credit file forever!"

Do yourself a favor and save some money, too. Don't believe these statements. Only time, a conscious effort, and a personal debt management plan will improve your credit report.

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