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By Sean A. Kelly

It is often believed that there are always signs of trouble before trouble actually even hits you. Freedom Debt Relief definitely is a relief for many who find themselves in this troublesome situation which sometime seems almost unfixable.

Besides our actual spending habits themselves, there are often other tell tale signs that can be considered as red flags in determining in which direction our financial situation is headed in. Initially, it might just be small signs such as credit card bills coming in monthly which never did before or maybe the fact that you are slowly beginning to make bigger monthly payments on your credit cards. These minor changes that happen over time in our daily life patterns often go unnoticed. A similar situation was what Thomas was faced with too.

Thomas and I had gone for Spanish night classes together. He was very excited as he had just got a new job which offered him more benefits than the old one. We became quite close as we often used to go for a cup of coffee after our class and discuss what we had learnt and talk about our lives. He was a very cheerful person and always spoke positively about things. I slowly began to realize that he dressed much more smartly to classes every week. He almost always was in a new shirt and was sporting some really nice Nike and Timberland shoes. After about a year into our acquaintance, I found quite a change in his personality. He was not as cheerful as he used to be and often seemed very distant as though something was always on his mind. One day, as we went for our usual coffee sessions, he opened up to me and told me that he did not know how he had racked up most of his credit cards and was now paying so much of interest on them and had such a high monthly minimal payment that he couldnt even manage to pay his other bills on time. I was rather taken aback at first, but then realized that this is probably the same situation that so many of us find ourselves in.

Thomas was not very sure as to what he should do next. I did advice him on not using his credit cards anymore and to make the necessary payments if not a little bit more on them monthly to lessen the total amount due faster. However, he was not able to do so as his monthly income was still the same and was not sufficient for him to handle all these additional expenses. This is when I suggested that he should probably seek the advice and help of a debt relief program. I explained to him that they would be able to analyze his situation well and offer him the best possible solution to his problems. It seemed like that would be one of the best financial decisions he could make at that time which would help him streamline his debt and have better control over it.

Thomas did so and was able to settle his credit card debt much faster than he had expected to do so. He also learnt a valuable lesson about the usage of credit cards and is much more wary about using it. We still go for our Spanish night classes and although he may not be sporting new clothes or shoes all the time, he certainly looks much better now with that great smile back on his face.

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