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Nearly 37% of credit card holders in the Unites States are carrying a credit card balance over $10,000.00. (source: myfico.com). Of US consumers who have credit cards, roughly 28% percent of them are having trouble paying off their credit card balance (source: Javelin Strategy & Research, 'Credit Card Issuer Profitability in a Difficult Economy,' July 2008).

Are you part of the 28% struggling with making payments and trying to get...

Many consumers find themselves struggling to get out of debt. Just when they seem to get close to being debt free, something comes up and puts them right back in debt. Coupled with increasing interest rates and fees from their credit cards, it's extremely difficult to get free and clear. The stress wrought on an individual can have very severe consequences on your health and relationships.

A debt free stimulus package can help. The...

Do you need your own debt stimulus package? Time and time again we speak with consumers who feel they have dug themselves into a hole and they need their own debt stimulus package to get them out of it.

Why is that the case for so many people?

Whether it is a medical emergency, you lost your job and used credit cards to meet your financial obligations so many of us find themselves unable to catch up to the debt and an...

With all the news surrounding the recent debt stimulus package, it seems that credit card and other types of unsecured debt have been overlooked. The number one problem facing consumers in debt are credit cards. Unlike a mortgage or auto loan, unsecured debt has nothing that can be taken away in order to satisfy a creditor. Also, because of regulations passed two years ago, bankruptcy has a reduced effect on credit card debt.

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The debt stimulus package website assists thousands of consumers with their debt. The main problem occurring currently is due to high interest rates on credit cards. New regulations will come into effect in Q2 of 2010 that will force credit card companies to more clearly display interest rates during the sign up and billing process. They will also be forced to give notice prior to raising any interest rates. While this is a step in the...