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Debt Management: The Key to Your Financial Recovery

Debt management is the key component to getting out of debt and your beginning your financial recovery. An analysis of your debt will help you to save hundreds, and perhaps thousands of dollars in interest charges alone. If you consolidate your debts, and/or consolidate credit card debt, along with other unsecured bills, you will be able to get out of debt as quickly as possible.

Just a few of the benefits of getting out of debt are allowing you to: save money on interest and/or late fees, stop creditor harassment, and regain your good credit rating by helping to repair bad credit or negatives on your credit report. Imagine the freedom you will feel just being able to answer your phone with out the nagging anxiety that it may be one of your creditors hunting you down.

Debt management techniques can reduce your monthly payments, interest charges, penalties and possibly even shrink the length of your repayment period. Even if you think bankruptcy is your only solution, there may be other alternatives. Filing bankruptcy may cost you in more ways than one for many years to come. Filing for bankruptcy should be considered only after exhausting all of your other debt reduction options. Divorce, loss of a job, uncontrolled credit card spending and medical emergencies among the top reasons for debt problems. Don't let these problems lead you to bankruptcy. Bankruptcy can be avoided if you get help soon enough. The key is to watch for the warning signs.

A red flag that you are heading for bankruptcy is a ratio of unsecured debt to annual income of 40-50% percent or more. To protect yourself from getting to this point, at the very least, keep your debts below 40% of your income. For example if your annual income is ,000, your annual debts should be below ,000 in order to avoid the threat of bankruptcy. Aim for a "safe" debt load of 36% or lower. So if your debts are in the 40-50% range, it's time to get help and get out of debt, or at least use debt management techniques to lower your debt ratio.

Analyze your debts, use debt management techniques, reduce your debt ratio, get help if your ratio is above 40%, consolidate your debts if need be, and you will soon be able to get out of debt.

About the Author: Suzanne Webb-Brikas
For more debt information, visit our Debt Management website