Getting Started

As you go through all the upcoming information in this blog, I want you to know the format is going to be on the real human side (Lower Income, Blue Collar, Middle Management, or Middle Class) of debt and its effects. Professionals whether legal or financial are welcome to follow however, this blog will always stay in a format that everyone can understand. Professional terms will not go unexplained as they would in a courtroom or discussed by other professionals. I firmly believe that people should be led into a competent decision that can only come from exposure to multiple resources.

I have seen the ads, I have read the emails, I have gotten the phone calls, and it has sent my head spinning at the amount of professionals and services trying to get my attention. Consider this blog a safe haven if you have some serious financial problems. If people do not have other information that they can compare, how is anyone able to make a competent decision about their financial future? You can seek advice, but you and only you should make that final decision. Your financial future should be up to you not a lawyer or a sales person that has their interests in mind by influencing your decision. I also believe that those individuals will still have plenty of work from educated or well-informed individuals that are seeking their help, and the dishonest ones exposed. When people are desperate the vultures sure know how to lurk. We also want to make sure people are protected against scams. Be extremely careful of phone calls inquiring about your debt and interest reduction offers. Especially credit card interest reduction where they ask for money on the spot. You do not want to enter into anything without negotiating and a signed contract or agreement that you are confident with.

With all that said, lets get started. The first thing you have to do is get all your financial statements together. Separate all your statements into categories. Bank Statements, Mortgage Statements, Installment Loan Statements, Credit Card Statements, and so on. Do not forget any odd local taxes this always seems to come into play along the line. Get only statements from the last three months or more to make sure you cover everything. List monthly, your monthly income, your household expenses, your living expenses, your travel expenses and your debt. Do this for the past three to six months.

Now this is where the rubber meets the road! The Dept Solution is a reasonable download you can use as a guide, or I have one that is highly recommended. It’s The Debt to Wealth System. You have probably heard The Dept To Wealth System advertised on the radio or television. In this series of downloads is a series of seminars. You can view them or listen to the over and over. John gets right to the point of the problem with this informative, and entertaining series of downloads. There is also an easy to use workbook to get all your financial information together. If you already have The Debt to Wealth downloads refer back to them as they are very helpful. If you do not have a copy of either The Debt Solution Or The Dept To Wealth System you can get them at helpwith-deptrights.

The Debt Solution is written by Brandon Schmidt who is Canadian and if there is a concern that the financial system is different than here in the US, but the concept is the same.The Debt to Wealth System written by John Cuummuta. John’s debt solving skills are concrete. However, These downloads may not be for everyone so there are more offered in helpwith-debtrights. What we are trying to do is get you to where you stand financially in hopes of giving you direction and start lifting your spirits. You also have to be able to figure out whether you have the ability to pay the debt. Not even John or Brandon can do that for you. John had the ability to pay you may not. Not having the ability to pay is not the end of the world. We are going to start talking about direction in the next blog. If you are having problems with excessive phone calls go to the Stop Creditor Harassment Guaranteed ad click on it and get if you believe it will help, offered in helpwith-debtrights. We will talk about the calls in the next blog briefly and then in more depth in the future. We are also going to talk in future blogs about the unemployed, how to get some liquid cash together for necessities and to pay down debt, with many ideas from A to Z to help make us Financially Free Together Forever!