We live in tough economic times. Unemployment is high, incomes have fallen, Americans are losing their homes to foreclosure and good people everywhere are struggling to make ends meet. You can do everything right and still end up in financial trouble.
According to the Federal Reserve Bank of New York, Americans ended 2013 with more than $11.5 trillion in consumer debt. About $820 billion of that debt is delinquent, with at $580 billion at least 90 days past due. In 2013:
Sometimes financial problems are triggered by a disruptive event like job loss, divorce or a serious medical problem. A recent report from the Centers for Disease Control and Prevention (CDC) indicated that 16.5% of American families had experienced difficulty paying medical bills in the preceding 12 months. More than half of those reported that they currently had medical bills they could not pay at all.
For others, the increasing cost of living paired with declining wages has simply created a gap that keeps getting bigger. Financial powerhouses are bailed out by the government and large corporations take advantage of consumers without consequences, but individuals often feel isolated and outnumbered.
We want you to know you’re not alone.
Overwhelming debt, creditor harassment and other financial stressors affect more than your bottom line. Those pressures can impact your health, your job performance and your relationships. Draw the line today. Get the guidance and assistance you need to regain control of your finances and your life.
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