It only took me 2 years to start looking for debt relief services. Only 2 years of adulthood I mean. I’m 20 years old and I’m struggling in debt larger than my years on this earth. If you are reading this, you probably already know the story. I went to a different city for collage when I was 18 years old. Everything was fine and my future was looking bright. Until one day, shortly after I started my lessons, a man in suits approached me asking if I needed money.

Who doesn’t need money when they are in collage? You don’t have a regular income; all you do is waiting for checks from your parents and maybe you are working part time at a gas station or a restaurant. Of course I needed money. So I made my first mistake of asking the man what he meant. Once he started to explain the advantages of credit cards I was really excited. They were giving me a spending limit of 10,000 dollars and a withdrawal limit of 5,000 dollars. All my dreams were coming true and I was going to be the happiest student in the collage apart from the rich kids. I signed the contracts and all the papers he gave me in an instant and the next day received my first credit card. I could buy all those things I wanted to decorate my room now. So I went shopping and spent around 1,500 dollars the first day I received my first credit card. 1,500 dollars was the sum I received from my parents monthly and it was only enough for my living expenses.

The next month I paid 1000 dollars to the bank as my first payment. I was really comfortable because I had my credit card. If the cash is low, I could always use my magic card and spend as much as I liked. 6 months later they were calling my cell phone from the bank every day asking when I would pay my debt. There was another guy with suit strolling the yard. So I approached him looking right in his eyes and he didn’t miss the chance to ask me if I needed money. After the same ordeal I got my second credit card. Now when I look back, I can see that I was not blacklisted yet. There was no risk in giving me thousands of dollars. The first thing I did with my second credit card was to withdraw my allocated withdrawal limit and pay that money to the other bank. It wasn’t even the half of my debt plus interest but they stopped calling me for a few months. This time I was more careful with my credit card but the interest rate was running against me.

Two years after my first credit card, I now have 5 of them and don’t know how to pay 80,000 dollars of debt. My parents still don’t know about the situation and I’m looking for really good debt relief services.

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Category: Finances
Keywords: Debt Relief Services