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How Serious Is Your Debt



Your doctor will tell you that a regular exam is the best way to avoid problems in the future. For Americans worried about their credit card debt as the holidays approach, a debt-stress check-up is just what the doctor ordered.





InCharge's174; Debt Solutions has created a free online check-up that helps consumers gauge the severity of their credit card debt (www.incharge.org), ability to repay, and how much stress they feel over their bills. To get yours, click the Do I Need a Debt Solution (https://webcounseling.incharge.org/debtslider/InChargeDebt.aspx) button at www.incharge.org.



Facing the holidays in this turbulent economy without a complete picture of your credit card debt is like spending the day outdoors in 32 degree weather without a coat, said Etta Money, president and CEO of InCharge, one of the nation'ss leading nonprofit credit counseling organizations. It'ss not only unhealthy, it'ss unwise. And, thanks to the InCharge online debt-stress check-up's8230;it'ss unnecessary! It may even help consumers avoid the temptation of adding to their credit card debt during the holiday season.



For some consumers, their debt stress may be rated on a ten point scale as manageable and, using the budgeting tools and calculators found on www.incharge.org, they can improve their debt situation on their own.



Those with a high debt stress score may continue online after their check-up to learn more about alternative debt solutions or choose to take advantage of a free telephone consultation with a Certified Credit Counselor by calling InCharge at 888-360-9694. If the consumer chooses a Debt Management Program (https://webcounseling.incharge.org/WebCounseling/SectionIntro.aspx) as the best solution, InCharge works with creditors to help consolidate credit card payments into one, reduce interest rates, eliminate late and over-limit fees, and bring a halt to collection calls.



For more personal finance tips and credit counseling information, visit www.incharge.org or call InCharge at 888-360-9694.



Headquartered in Orlando, Florida, InCharge's174; Institute of America, Inc. (ICI), is a 501(c)(3) nonprofit organization with affiliates specializing in personal finance education and credit counseling. InCharge's174; Education Foundation, Inc., publishes Military Money's174; magazine and offers financial literacy education to clients and the general public. InCharge's174; Debt Solutions provides professional credit counseling and financial education services to consumers. Consumers can access InCharge Debt Solutions credit counseling services for free by calling 1-888-360-9694 or online at www.incharge.org.






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