More often than not, in pursuit of our dreams to accumulate wealth, we get caught in debt traps. This is more so in an environment where it is easy to get loans and credit. All credit is provided to us on the basis of our capacity to work and earn in the process. Little do we realize that accomplishment of any dream requires hard work and nothing but hard work. There is no substitute to it. The irony is that many of us tend to forget this adage and ultimately get in to a tangle from which it is hard to get out.
The saddest part is that even those who work hard and earn a decent living, get carried away in the mad pursuit of their dreams and get caught in a debt trap. Credit cards tempt you and charging anything to them seems easy by promising to pay later, not realizing that the interest charged on late payments borders on usury. The difficult part starts when, once late in a payment, the credit starts snowballing every month due to the exorbitant rates of interest.
In such an unfortunate situation debt management advice is the only way to keep bankruptcy at bay. Debt management advice has become more and more common these days as many Americans are fast...
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