Wallet Wizard Personal Finance
If you're in a hole and you want out, you gotta stop diggin'.
Credit Card Debt
Certified Financial Counselor
Personal Finance Coach
Former Director of Education for
Consumer Credit Counseling
Service of Los Angeles
Joseph Onesta
DIY Debt Reduction:
How to get out of debt on your
own--free worksheet and
instructions.
Get the Excel Spreadsheet
Debt, especially credit card debt, gnaws away at your
finances and keeps you from achieving financial
success.

There are several options for dealing with excessive
credit card debt.  

  • Debt Consolidation using perhaps a home equity
    loan.
  • Debt Management, (You see these advertised on
    TV)
  • Debt Negotiation
  • Bankruptcy
  • DIY Debt Reduction

Open a free excell spread sheet that will help you
create your own DIY Debt Reduction plan.  You can
save the sheet to your computer.  Click Here
If your credit card debt is becomming unmanagable or you
think you can't ever dig yourself out, consider contacting
me for a brief consultation.  For a very reasonable fee, I
can help you figure out which of the above alternatives is
viable for you.  We'll consider your lifestyle, your current
debt and we'll do our best to save your credit report.