Debt Group America helps clients realize the wrong relationship they've built around money. Whether spending too much of it, or spending way too much time caring about it. Many clients mismanaged their income so much that their lives were in bondage to debt, and soon became a spiritual depressor of growth.

Debt Group America's debt consolidation counselors see the world differently. In the current credit card crunch, more borrowers are turning to debt consolidation and relief programs. The debt relief industry alone helped 2.7 million individuals in 2007, a nearly 30% jump from 2006. Without the usual rate breaks, debt consolidation companies and counselors abroad think more people will fall behind on their payments. That could potentially lead to an uprise in bankruptcies. A study by Visa Inc. found that 50% of consumers who dropped out of credit counseling programs declared bankruptcy.

$38 billion dollars was the amount of bad credit-card debt in 2007, vs. $36 billion in 2006. Debt Group America provides more than tips on how to get out of personal debts, we take the necessary steps to get you out of debt, the right way! Debt relief strategies include the creation of a budget to determine how much money could be allocated to payoff your debts, prioritizing debt payments, negotiating with creditors to lower the interest rate on outstanding balances and much more.

If you can outsmart the crafty plastic providers then you may not need debt relief with Debt Group America. But if its crunch time now that last months dreaded bills are starting to arrive, then our debt consolidation program may be in your best interest. If you're not cautious, you'll land in booby traps set by credit card issuers, who typically charge interest rates of 14 percent or more and late or over-limit fees as high as $39. But, you can beat the credit card companies at their own game and save even more, just by knowing and more importantly applying simple money saving steps. First, don't wait to pay your credit card bills. When you carry a balance, interest accumulates every day you wait.

Did you know some cards charge interest from the time of purchase, even when there's no balance outstanding. Many now require you to pay within 20 days (the "grace period") of your statement's closing date to avoid owing interest. What's more, if you're late, the credit card issuer might jack up your interest rate--immediately--to 30 percent or higher, without your knowledge. Rates may get hiked on your other cards, too, even if you've paid them on time. How does that happen? Almost all banks keep checking their customers' credit histories. If they see you paid one card late, they may decide you're a higher risk and start charging more. So your probably thinking, "they can't do that"! But they do, everyday.

Secondly, Pay your credit card bill the day it arrives. That way, you won't forget and you won't rack up interest charges. When the statement comes, don't move it to your "current bills" pile. Get out a stamp and write a check, or take care of it instantly online. Alternatively, arrange to pay the bill automatically from your bank account. Avoid paying by phone; there's often a fee.