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If you have not reduced you’re spending or increased your income, than you have not changed anything.  You have only placed a band aid on the issue.  You may have changed the way your debt is structured, which may reduce your monthly bills, but the amount you owe is still there.  Actually, most people go further into debt once they re-structure and reduce their monthly bills.

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We realize that this may be difficult for many to except, but if it was easy, than everyone in the world would be rich.    irs debt relief, debt assistance, debt consolidation,

    irs debt relief, debt assistance, debt consolidation,

The key to being rich is understanding that a dollar today is worth more than a dollar tomorrow.  If you keep spending tomorrow's dollars today, than some bodies else dollars is being used to support the way you want to live.  The person you borrowed from had the discipline not to spend their money.  They now loan it to a borrower and have more money than they originally had (that’s interest).  Furthermore, your future income, every dollar you work for in the future, will be repaying the person who loaned you that dollar today.

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Over the past 20-30 years this lesson has not been taught to the average person during their elementary and high school years.  It is only taught buy families who believe money should be a common, open conversation or by finance classes in graduate school.  This people learn that saving a dollar today can make you more money tomorrow by loaning it to somebody who didn't save but wants it now.

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We truly believe that this housing market and the problems on Wall Street right now are related to this.  People are in debt, that's the problem, PERIOD!    Houses became the piggy bank for people to tap into to fuel the spending.  Easy access to money supported it.  Remember the people offering 125% of your house value.  Remember how they would offer to process the loan with zero docs (zero docs was just taking your word for your income level, no verification).  Most people don't really think about what that meant.  It meant that people are spending tomorrow's income today.  The booming housing market and the easy access to money meant people could tap into their homes, or flip  a home, to generate cash to zero out their over spending and start over.  Unfortunately, that debt was just rolled into a new larger mortgager and sold to larger Wall Street institutions.  Eventually it stops.  You can't borrow anymore and you have to pay for what you have already spent.  You need to pay your debt with the income you have, and your income can't cover it.  Your spending was based on tomorrow's income and tomorrow's income isn't going to be any different than today's.

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While people want to look for somebody to blame, the blame resides with a shift in priorities.  People used to think about the future; now they think about today and use the future to finance it.  Personal savings used to be over 8% in 1990 & 1991.  In the early 1980's and during a large portion of the 1970's it was over 10%.  In 2006 the personal savings rate was -3.2%.

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So, do you realize that some so called "professionals" don't care if you every get out of debt?  They just want to make money off you; and as long as you never default (or foreclose) their happy.  Hell, before the housing crash they didn't even care if you foreclosed; they had already sold the junk papers to larger institutions and cashed out.  It didn't become a problem until too many were foreclosing.

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These tactics are just ways to put you further in debt; which sells out your future out.   irs debt relief, debt assistance, debt consolidation,

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Want out?  Then decide.  Are you ready to reduce spending?  It is easy to say yes, but harder to do: most people just lie to themselves.  They restructure and end up further in debt because they aren't really willing to live without that $100 cell phone bill, or that $120 TV, Internet, phone bundle.

   irs debt relief, debt assistance, debt consolidation,

   irs debt relief, debt assistance, debt consolidation,