Are you like most Americans and struggling to get out of credit card debt? Does it seem like you will never be free of those balances? Is your phone ringing every day at all hours even on weekends? Does getting the mail make you break out into a cold sweat? You are not alone and more importantly you can stop this now!

Does it feel like no matter how many minimum monthly payments you make your balance never decreases? There is a reason for that, and credit card companies don't want you to understand it! Let's break it down for you here. If you have a balance of $10,000 worth of credit card debt it will literally take you 40 years to pay it off by making the minimum monthly payment. That's right 40 years! You will end up paying back $40,000 in total and that is only if you have an interest rate of 17%. For many of you the interest rates on your cards are much higher! Which means it will take you that much longer and you will end up paying that much more before it's all said and done. Do you realize this means you will be paying on that credit card longer than you will be paying on your home! The average American mortgage is only 30 years!

Let's assume your total credit card debt is only $5,000, well that will only take you 20 years! Imagine 20 years to pay off a $5,000 debt. That is simply ridiculous! The government has stepped in finally and is putting limits on the interest rates these credit companies can charge. That will help in the future, but today that isn't going to change your balance!

Did you know that Credit Companies made over $70 Billion dollars last year on the interest they charge you the card holder? Yes, that was $70 BILLION not million! They are getting rich while you are struggling and stressing out!

It's time to say enough! It's time to take control of your financial future! You don't have to live like this, afraid to get the mail and pretending you can't hear the phone ringing! It's time to stop these credit companies from ruining you!