http://www.debtreliefguy.com/ Debt Relief Guy is your top-secret source for information about getting out of debt. Don't tell your friends that you know the Debt Relief Guy. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 Just look at that guy on the top left of this page. What a sleazebag. Rest assured that this vintage polyester suit-wearing gentleman is not the Debt Relief Guy. Rather, he is the person whom the Debt Relief Guy protects you against. The Debt Relief Guy is a nebulous entity within us all, a little man providing your soul with the inner strength needed to overcome. Now that we have established that important fact, we can move on to the site's actual contents. Need to get out of debt? Can't get a decent loan because of past credit mistakes? Are your monthly statements burying you? Others may offer advice, but only one knows the truth: the Debt Relief Guy. The Debt Relief Guy knows that you don't have to claim bankruptcy to get out of debt. Get out the old-fashioned way - pay your way out. The Debt Relief Guy says consumer debt is at an all-time high. What's more, record numbers of consumers-nearly 1.5 million in 2001-are filing for bankruptcy. Whether your debt dilemma is the result of an illness, unemployment, or simply overspending, it can seem overwhelming. In your effort to get solvent, be on the alert for advertisements that offer seemingly quick fixes. While the ads pitch the promise of debt relief, they rarely say relief may be spelled b-a-n-k-r-u-p-t-c-y. And although bankruptcy is one option to deal with financial problems, it's generally considered the option of last resort. The reason: its long-term negative impact on your creditworthiness. A bankruptcy stays on your credit report for 10 years, and can hinder your ability to get credit, a job, insurance, or even a place to live. The Debt Relief Guy's Three Rules You'll find out later that such phrases often involve bankruptcy proceedings, which can hurt your credit and cost you attorneys' fees. If you're having trouble paying your bills, consider these possibilities, favorites of the Debt Relief Guy, before considering filing for bankruptcy: Talk with your creditors. They may be willing to work out a modified payment plan. Contact a credit counseling service. These organizations work with you and your creditors to develop debt repayment plans. Such plans require you to deposit money each month with the counseling service. The service then pays your creditors. Some nonprofit organizations charge little or nothing for their services. Carefully consider a second mortgage or home equity line of credit. While these loans may allow you to consolidate your debt, they also require your home as collateral. If none of these options is possible, the Debt Relief Guy concedes that bankruptcy may be the likely alternative. There are two primary types of personal bankruptcy: Chapter 13 and Chapter 7. Each must be filed in federal bankruptcy court. The current filing fees are $185 for Chapter 13 and $200 for Chapter 7. Attorney fees are additional and can vary widely. The consequences of bankruptcy are significant and require careful consideration. Sat, 26 Jul 2008 15:00:00 EDT http://www.debtreliefguy.com/debt-consolidation/ Debt consolidation is your source for information. Find out all you need to know about debt consolidation today. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 http://www.debtreliefguy.com/credit-card-debt/ Credit card debt is your source for information. Find out all you need to know about credit card debt today. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 http://www.debtreliefguy.com/credit-counseling/ Did someone say credit counseling? I didn't say anything about credit counseling. I'm just blending in with the scenery. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 http://www.debtreliefguy.com/debt-services/ Debt services - Join the party. Debt Relief Guy is coming up so let's get the debt services party started. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 http://www.debtreliefguy.com/debt-management/ Debt management is made possible by the inner strength of the Debt Relief Guy. Don't concede defeat when debt management can help you rise from the financial ashes! en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 http://www.debtreliefguy.com/debt-relief/ Debt relief can get you into a lot of trouble if you're not careful. Find out how to get true debt relief today. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 http://www.debtreliefguy.com/debt-free/ Debt free solutions for a brighter tomorrow are on the way, thanks to the Debt Relief Guy. Learn how you can become debt free right here and right now. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0