http://www.debtconsolidationstation.com/debt-free/plans.html Debt free plans have the same goal in mind. Making you debt free. Plans that actually work are what we are selling. Or telling you about, more accurately. No actual sales are going down. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 Whatever you have heard about debt free plans is probably accurate. Nevertheless, you need to get the full breakdown. Things are not always what they seem. People think, for example, that by signing up for debt free plans they can cut their bills down by as much as 54 percent overall. While that is true on the surface, what is often glossed over is the fact that the consumer himself (or herself) must work hard in a number of ways to ensure such savings. Debt free plans do not offer a magic solution, but a very practical and logical one. The first step is to follow the links on our site and connect to our debt consolidation and credit counseling associates. They will consult with you for free and help map out a plan of attack for you. They will contact your creditors and arrange for the consolidation of your bills into JUST ONE PER MONTH, and save you at least 33 PERCENT as a result of their efforts. Here's where you come in and power your debt free plans, however... Making a budget of what you earn per month versus what you spend. This will give you a better idea than anything of the work that needs to be done, and help you by avoiding future debts before they start. Simple as it is, it works many times over. You will be set up with a single bill each month, as we said above. Pay it off and eventually go debt free. Plans will not achieve their goal, however, if you don't do whatever it takes to make this payment. It's your second chance. Don't blow it. Restoring your credit takes work, too. You must petition credit bureaus for changes made to your reports, and to open accounts that have been closed. You must close inactive accounts yourself and verify that it's been done, which can also be arduous. Just commit. That is the biggest step in going debt free. Plans crafted by a credit counseling company, well intentioned as they may be, can only do so much in the end. Without your daily contributions and heart, it's all for naught. Sat, 26 Jul 2008 15:00:00 EDT