Pre-approved credit card offers

Do you ever wonder why you keep getting all those "Pre-approved " credit card offers - even though you're in debt, or maybe your credit rating is far from perfect? It has been the trend, as of late, for creditors to offer their cards to all consumers, especially those who have had credit and debt problems in the past. They hope that your past poor credit habits will force you to spend more money with their card - and rack up plenty of interest and late charges. They'll earn money and you'll be back in financial turmoil. You're certainly not alone: The average American adult received 32 credit card offers, regardless of their credit history. Take the first step towards a debt-free life.

Average family credit card debt

You might be wondering, "I owe my creditors thousands of dollars - there can't be anyone worse off than me!" You're not alone! Our clients carry balances as high as $200,000. Get out of debt now.

Personal bankruptcy

One indicator of debt in the U.S. is the number of personal bankruptcies declared each year. While many more bankruptcies are declared than need to be, statistics show how many people feel their debt burden is more than they can handle: Personal bankruptcies are at an all time high! In 1997 there were more than 1.3 million declared. That figure is up 63% from just 10 years ago. Avoid personal bankruptcy.

National consumer debt

In many ways, America is a nation weighed down by its citizens' (and government's) debt. National consumer debt reflects many different factors, so we'll concentrate on consumer credit debt, which accounts for 40% of the national figure.

National consumer debt has reached an all-time high of over 1 trillion dollars. Credit card debt accounts for approximately 400 billion dollars of that figure.

You can help stop our national romance with debt by becoming debt free, learning the skills necessary to manage your own finances and handling your spending responsibly. Let our agencies help you become debt free, and along the way, we can show you how to be a responsible credit consumer.

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