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The Great American Debt Diet

What is The Debt Diet?

The debt diet is not a weight loss program for people in debt. No, the Debt Diet is a movement to help consumers rid themselves of debt through education, solid purchasing and budgeting decisions and professional help where needed.

What type of debt diet you need depends on your current debt amount and income. In short the greater the difference between your total debt and total income the more vigorous of a debt diet you need. Debt is a cycle, and you have to understand at what phase you are at to put in place the proper debt relief plan. Let's take a look at the 4 common stages of debt and the solutions for solving them.

Stage one: I have no debt -
OK, if you really have no debt you are either very young, or you have managed your debts well. You need not be here then. People with no debt, may want to keep track of their credit score, as having no debt is actually a NEGATIVE! We know it just doesn't seem fair, but creditors want to see a continuous history of credit extensions and payoffs.

Stage two: We have credit card debt and manage to make our monthly payments.

There are millions of consumers who make a decent living, are educated and have a stable job. BUT, each month they struggle to pay the bills on time and after they do they have little left over for themselves. So what do they do? They purchase everything the "need" else on expensive credit. There are many theories on the psychology behind this overspending, but you really don't have to analyze it to closely. It's simple. We spend too much because we think we deserve it and the credit card companies are willing to hang us with it.

In this situation if you continue you will quickly sink into phase two - The Debt Trap. Unless you commit to some serious change. Fortunately, you don't need to seek professional help at this time, your living out the edge but you can take the "Do It Yourself" approach to debt relief. Learn how to take action here.

Stage Three: The Debt Trap
You have have hit the max on most of your credit cards, your interest rate borders on criminal and on top of that it takes everything you earn to pay the monthly minimums. The credit card companies have you exactly where they want you. In deep debt and paying them everything you earn. You are one paycheck or unexpected expense away from bankruptcy.

Solution:
It is past the point of tightening up the belt and making spending changes, you need help from a professional debt relief service. A debt relief service can properly assess your financial situation and present realistic solutions to get out of debt within your budget. Professional debt relief services are better equipped to make fast and effective changes with your creditors than you are alone. With their help they can keep you from falling into the next stage; Bankruptcy. Read more about the Debt Diet Pro's here or complete the form at the bottom and a debt relief professional will contact you for free.

Stage four: The slippery lope to chaos
The unfortunate has happened. You have all that debt and now you lost your job, got divorced or had a medical condition that has taken away your income. Straight to bankruptcy?

No, not necessarily.
Again, you should first contact a professional debt relief service. Many are specialists at providing alternatives to bankruptcy. If this is your situation time is of the essence. Complete the information request below to talk with a professional debt relief service.

All debt relief consultations are absolutely free, private and confidential.

	- Start here with a private consultation. First name:    Last name:    Address:    City:   State:  Select state Alaska Alabama Arkansas Arizona California Colorado Connecticut D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming   Zip Code:    Email:  No Spam! Day phone:  - -   Eve phone: - -   # of credit cards: No Cards 1 2 3 4 5 6 7 8 9 10   Total credit card debt:  Please select one None $6001 - $7,000 $7,001 - $8,000 $8,001 - $9,000 $9,001 - $10,000 $10,001-$12,500 $12,501 - $15,000 $15,001 - $17,500 $17,501 - $20,000 $20,001 - $22,500 $22,501 - $25,000 $25,001 - $27,500 $27,501 - $30,000 $30,001 - $32,500 $32,501 - $35,000 $35,001 - $37,500 $37,501 - $40,000 $40,001 - $42,500 $42,501 - $45,000 $45,001 - $47,500 $47,501 - $50,000 $50,001 - $52,500 $52,501- -$55,000 $55,001 - $57,500 $57,501 - $60,000 $60,001 - $62,500 $62,501 - $65,000 $65,001 - $67,500 $67,501 - $70,000 $70,001 - $72,500 $72,501 - $75,000 $75,001 - $77,500 $77,501 - $80,000 $80,001 - $82,500 $82,501 - $85,000 $85,001 - $87,500 $87,501 - $90,000 $90,001 - $92,500 $92,501 - $95,000 $95,001 - $97,500 $97,501 - $100,000 $100k - $150k $151k - $200k Over $200,000 Credit cards, store cards. Other Unsecured debt:  Please select one None $101 - $200 $201 - $300 $301 - $400 $401 - $500 $501 - $600 $601 - $700 $701 - $800 $801 - $900 $901 - $1,000 $1,001 - $1,500 $1,501 - $2,000 $2,001 - $2,500 $2,501 - $3,000 $3,001 - $3,500 $3,501 - $4,000 $4,001 - $4,500 $4,501 - $5,000 $5,001 - $6,000 $6001 - $7,000 $7,001 - $8,000 $8,001 - $9,000 $9,001 - $10,000 $10,001-$12,500 $12,501 - $15,000 $15,001 - $17,500 $17,501 - $20,000 $20,001 - $22,500 $22,501 - $25,000 $25,001 - $27,500 $27,501 - $30,000 $30,001 - $32,500 $32,501 - $35,000 $35,001 - $37,500 $37,501 - $40,000 $40,001 - $42,500 $42,501 - $45,000 $45,001 - $47,500 $47,501 - $50,000 $50,001 - $52,500 $52,501- -$55,000 $55,001 - $57,500 $57,501 - $60,000 $60,001 - $62,500 $62,501 - $65,000 $65,001 - $67,500 $67,501 - $70,000 $70,001 - $72,500 $72,501 - $75,000 $75,001 - $77,500 $77,501 - $80,000 $80,001 - $82,500 $82,501 - $85,000 $85,001 - $87,500 $87,501 - $90,000 $90,001 - $92,500 $92,501 - $95,000 $95,001 - $97,500 $97,501 - $100,000 $100k - $150k $151k - $200k Over $200,000 Unsecured loans, Medical bills. Total secured debt:  Please select one None $101 - $200 $201 - $300 $301 - $400 $401 - $500 $501 - $600 $601 - $700 $701 - $800 $801 - $900 $901 - $1,000 $1,001 - $1,500 $1,501 - $2,000 $2,001 - $2,500 $2,501 - $3,000 $3,001 - $3,500 $3,501 - $4,000 $4,001 - $4,500 $4,501 - $5,000 $5,001 - $6,000 $6001 - $7,000 $7,001 - $8,000 $8,001 - $9,000 $9,001 - $10,000 $10,001-$12,500 $12,501 - $15,000 $15,001 - $17,500 $17,501 - $20,000 $20,001 - $22,500 $22,501 - $25,000 $25,001 - $27,500 $27,501 - $30,000 $30,001 - $32,500 $32,501 - $35,000 $35,001 - $37,500 $37,501 - $40,000 $40,001 - $42,500 $42,501 - $45,000 $45,001 - $47,500 $47,501 - $50,000 $50,001 - $52,500 $52,501- -$55,000 $55,001 - $57,500 $57,501 - $60,000 $60,001 - $62,500 $62,501 - $65,000 $65,001 - $67,500 $67,501 - $70,000 $70,001 - $72,500 $72,501 - $75,000 $75,001 - $77,500 $77,501 - $80,000 $80,001 - $82,500 $82,501 - $85,000 $85,001 - $87,500 $87,501 - $90,000 $90,001 - $92,500 $92,501 - $95,000 $95,001 - $97,500 $97,501 - $100,000 $100k - $150k $151k - $200k Over $200,000