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Are you a woman with a lot of debt? Whether your debt comes from just going to college, credit cards, old medical bills, or a combination of them, you may be feeling scared, uncertain and frustrated. In today’s society, where debt collectors often call rudely, you may feel as if your debt is making you crazy. Yes, it may seem like the end of the world, especially in the beginning, but it is important to remember that your debt does not have to be your end.
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As mentioned earlier, a large number of debt-ridden women in the United States have problems with debt collectors calling at almost all hours and being rude. The last thing you want to do is let a debt collector screw you over, no matter how they act or treat you. You don’t need to do this if you feel you can’t take it anymore. At any time, when talking to a debt collector, you can simply hang up the phone. Women have used more drastic methods, including using caller ID or an answering machine to screen all calls.
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While you may not be interested in talking to a debt collector, you may want to consider doing so. Many times, you will find that debt collectors will stop calling or at least call you less often once they are able to talk to you. So, if you feel up to it, go ahead and answer the phone. Just be sure not to make any payment arrangements that you can’t comply with. Also, be sure to check the statute of limitations in your state. In some states, such as New York, the statute of limitations for being able to collect a debt is six years.
Debt is a stressful issue for many women, and another reason they feel helpless and desperate when they can’t pay their debts. But what you need to remember is that there is always a way to work on paying off your debt, even if it’s just a little at a time. It may seem silly, but paying off your debt, even if it’s just a $20 here and there, may ease your current burden and stress.
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If you want to get out of debt, but you don’t know how, you may want to consider making an appointment with a debt reduction specialist or accountant. While this professional assistance will cost you a bit of money, it is well worth it for many women; women just like you. This is because professional assistance from a debt relief specialist and accountant may help you get your life back on track.
While the cost of seeking professional assistance is well worth it, you may not always have enough money to spend. If that’s the case, you can still work to get yourself out of debt and solve this stressful problem once and for all. What you are urged to do is to examine your spending habits. You can even keep track of all the spending you do in a week. How many of these purchases can you do without, even if only temporarily? As mentioned earlier, paying off your debt, even if it’s a small one, may help reduce the stress associated with outstanding debt. So even if you can only save two dollars a day on soda, that should leave you with $20 a week to pay off your debt.
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In short, debt is an issue that many women must face and deal with on a daily basis. While it may seem that way, as mentioned above, debt doesn’t have to be the end of the road for you.