http://www.escapecreditcarddebt.com/eliminate-debt/legally-eliminate-credit-card-debt.html Legally eliminate credit card debt starting today! en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 Everyone struggles with their finances at some point in their lives. The problem is that many people do not know how to legally eliminate debt. Before you freak out, do some research on different debt solution. You may find that it is easier to legally eliminate credit card debt than you may think. It just requires discipline and consistency. Conduct AS Background Check On The Company You Are Interested In If you want to legally eliminate credit card debt thorough a credit counseling agency, we recommend you interview several. Here Check with your state Attorney General, local consumer protection agency and the Better Business Bureau on the company's background. Find out if consumers have filed complaints about the company you are considering. Any reputable credit counseling agency should send you free information about the company. they should also disclose the steps you must take to legally eliminate credit card debt. You should not have to provide any details about your situation to obtain company info. If you have a problem, the company may have some fraudulent practices. In any case, you are not interested, you want to legally eliminate credit card debt. Creditors Can Still Report You Even If You Are In A Debt Relief Program It is important to realize that debt repayment plans do not erase your derogatory credit history. Information about your accounts can stay on your credit report for up to seven years. In addition, creditors can also continue to report information about your accounts even if you are working with a counselor to eliminate debt. They still have the ability to report that payments have been late or missed altogether. Unfortunately, this will only make it more difficult to eliminate credit card debt. A demonstrated pattern of timely payments, however, will help you get credit in the future. Sat, 26 Jul 2008 15:00:00 EDT