Credit Card Issues

One thing I have noticed is the credit cards I have seem to get very unhappy with me if I do not pay them they way they want me to. For example, if I am told in the statement that I should pay $225 as a minimum, for example, and I only pay $150, they slap penalty fees on me and send nasty comments. You would think they would be nicer since I am making the rich (along with millions of others)

Mortgages

A mortgage or a trust deed is a lengthy process that takes many years to pay off. I have heard of people getting rid of their mortgage through various means. Does this mean that you consolidate debts or have a 50% reduction in your payments, or what? I can't believe that you can just "eliminate" it.

Credit Card Debts

I have had 4 credit cards with about $25,000 of debt for the last 2 years. I keep paying the monthly charges, but I am so behind, and the bank keeps adding more interest and changing the amount the charge me, that I can never get to the point where I am paying down on the principle. The bank is nasty to me. Not like when I first signed up and started using their credit cards.

I was looking at this site www.accurate-creditrepair.com and it seemed to have a lot of interesting and usual solutions.

Debt Relief

I have heard about getting rid of your debt, but am worried that it is a scam just to get my money. If I knew the program really worked, I have a lot of credit card debt that I would love to see disappear.