Welcome to my web site where you can learn how to get out of debt, stay out of debt and
how to become better and smarter consumers of credit.
I want you to know that if you are buried in bad debt and you want to eliminate credit card
debt then the information on this web site could very well give you the plan that you need
to get rid of your credit card debt and raise your credit score.
I was once myself where you are. I had a bad credit report, I was deep in debt, debt
collectors calling all day long, mailbox full of collection letters and struggling to make ends
meet.
After stressing and fighting with the debt collectors, I had finally had enough.
Frustrated and angry I decided to hunker down and do whatever it took to get out of debt,
once and for all.
It was the worst time of my life. The stress that it caused for me and my wife was tough.
Nevertheless, we new we had to move forward and face our bad debt head on. We knew
that if we did not, it would probably be the end of our marriage and it would have a
devastating affect on our kids future.
So we went for it.
Counting every nickel and every dime. Cutting out all the 'cool stuff' that we all enjoyed
doing. After a lot of tears and ‘hanging on’, we made it to the point that we started to see a
little bit of light at the end of the tunnel.
Now here we are. We have come a long way and we have learned tons about getting out of
debt. More importantly, we know what it will take to stay out of debt.
In our journey, we discovered so many things that helped us through it all. We share what
we have learned and what we continue to learn right here on this web site.
If you are in debt, make the commitment to get out of debt. There is nothing worse than
being buried knee deep in debt.
Debt has the powerful ability of putting your life on hold. More to the point, it does not allow
you to live a better quality of life. Because frankly all of your hard earned money is tied up
and promised to someone else.
Use our web site and use what we have learned. If you feel that you can’t deal with it all
yourself, we definitely understand.
Our web site is totally free and you are encouraged to ask us any questions to get you
through this tough and pressing time.
If you need us, we will be right here for you.
We designed this web site knowing that people in debt do not need to be charged any more
money for the help they so desperately need.
We decided long ago that we would operate this web site by donations only. However,
you are not obligated to donate any money to use this web site or to ask us any questions.
We are committed to helping and answering anyone that needs our help involving getting
out of debt or any credit issues.
However, if you are able to donate and the spirit moves you, we would greatly appreciate
any donation of any amount.
We have found that people are overwhelmingly generous when allowed to value the
content on this web site for themselves.
To all of you that have donated and continue to donate, we want to express our deepest
thanks. Your donations allow us to continue to provide the help that so many people are
looking for. Again, thanks to all of you so very much.
Check out our web site and read what is available to you absolutely free.
Our hope is that everyone that visits our web site is able to eliminate credit card debt, break
free from the heavy burden of debt and be able to live the life that you so richly deserve.
By the way, believe it or not, I have been a debt collector myself for over 20 years.
Is that weird or what?
Thank You and God Bless!
Carlos Cruz
ccruz@debtcreditlearningcenter.com
how to become better and smarter consumers of credit.
I want you to know that if you are buried in bad debt and you want to eliminate credit card
debt then the information on this web site could very well give you the plan that you need
to get rid of your credit card debt and raise your credit score.
I was once myself where you are. I had a bad credit report, I was deep in debt, debt
collectors calling all day long, mailbox full of collection letters and struggling to make ends
meet.
After stressing and fighting with the debt collectors, I had finally had enough.
Frustrated and angry I decided to hunker down and do whatever it took to get out of debt,
once and for all.
It was the worst time of my life. The stress that it caused for me and my wife was tough.
Nevertheless, we new we had to move forward and face our bad debt head on. We knew
that if we did not, it would probably be the end of our marriage and it would have a
devastating affect on our kids future.
So we went for it.
Counting every nickel and every dime. Cutting out all the 'cool stuff' that we all enjoyed
doing. After a lot of tears and ‘hanging on’, we made it to the point that we started to see a
little bit of light at the end of the tunnel.
Now here we are. We have come a long way and we have learned tons about getting out of
debt. More importantly, we know what it will take to stay out of debt.
In our journey, we discovered so many things that helped us through it all. We share what
we have learned and what we continue to learn right here on this web site.
If you are in debt, make the commitment to get out of debt. There is nothing worse than
being buried knee deep in debt.
Debt has the powerful ability of putting your life on hold. More to the point, it does not allow
you to live a better quality of life. Because frankly all of your hard earned money is tied up
and promised to someone else.
Use our web site and use what we have learned. If you feel that you can’t deal with it all
yourself, we definitely understand.
Our web site is totally free and you are encouraged to ask us any questions to get you
through this tough and pressing time.
If you need us, we will be right here for you.
We designed this web site knowing that people in debt do not need to be charged any more
money for the help they so desperately need.
We decided long ago that we would operate this web site by donations only. However,
you are not obligated to donate any money to use this web site or to ask us any questions.
We are committed to helping and answering anyone that needs our help involving getting
out of debt or any credit issues.
However, if you are able to donate and the spirit moves you, we would greatly appreciate
any donation of any amount.
We have found that people are overwhelmingly generous when allowed to value the
content on this web site for themselves.
To all of you that have donated and continue to donate, we want to express our deepest
thanks. Your donations allow us to continue to provide the help that so many people are
looking for. Again, thanks to all of you so very much.
Check out our web site and read what is available to you absolutely free.
Our hope is that everyone that visits our web site is able to eliminate credit card debt, break
free from the heavy burden of debt and be able to live the life that you so richly deserve.
By the way, believe it or not, I have been a debt collector myself for over 20 years.
Is that weird or what?
Thank You and God Bless!
Carlos Cruz
ccruz@debtcreditlearningcenter.com
Debt Credit Learning Center
Debt Solutions to help you improve your credit score!
Hi! My name is Carlos Cruz...