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Bankruptcy lawyers and Debt Consolidation companies have flooded the Internet with ads and appeals, claiming that they have the solution to the nation's $780 billion of unpaid, revolving [url=http://www.521a.com/forum.php?mod=viewthread&tid=1152427&fromuid=28563]woolrich parka 3 Reasons Why Aluminum Dash Kit Are Widely Used[/url] credit card debt.

With almost 1 out of every 4 Americans either unemployed or underemployed, the personal debt crisis has certainly hit crisis levels.

People need solutions, but they aren't told the whole truth.

"What I wanted to know," says Terri Vargs of Los Angeles, CA, "is what I can do to help [url=http://www.sandvikfw.net/shopuk.php]hollister outlet sale[/url] myself."

The lawyers and debt consolidation companies tell the public that they [url=http://www.orlando-apts.com/nfljerseys/]cheap nike nfl jerseys[/url] have only a few options:

1. Negotiate with your credit card bank for a better interest rate. This would make sense, but most banks refuse to provide long-term rates that are less than 15%. According to the Federal Reserve Credit Card Calculator, it would take 32 years for a person with a $10,000 balance to pay off that debt, if all they can afford is the minimum payment.

And with nearly 1 in 4 Americans unemployed or underemployed, that is usually the case.

2. Hire a debt consolidation service. These companies charge hundreds or thousands of dollars in fees up front for the promise that they will be able to negotiate significant reductions in principal with the banks. For most consumers, [url=http://www.getconversational.com]hollister france[/url] the fees are exorbitant for what these firms actually deliver.
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3. Go bankrupt. Henry Ford did it half a dozen times. So did Thomas Edison.

Lawyers happily charge -- again -- hundreds or thousands of dollars in fees to help people through the bankruptcy process. But according the California Consumer Affairs Department, for most people bankruptcy is massive "overkill" for their problems.

Are these really the only options?

In the spirit of the Occupy Wall Street protests that have sprung up in cities and towns all across the country, people want to know what they can do to take matters into their own hands.

What are the options for individuals?

The lawyers and the debt consolidation companies aren't going to tell you.

Because of this, sites like DebtProtest.com have seen their traffic skyrocket. Offering a credit card debt relief within six months, DebtProtest.com helps with debt and the threat of credit card bankruptcy by offering a personalized debt management program.

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As it turns out, there is quite a bit that an individual can do, and the DebtProtest.com report outlines [url=http://www5f.biglobe.ne.jp/~shanil/mv/bbs2/t-yybbs.cgi]hollister france Kiss Goodnig[/url] all of it.

"You don't need to pay for those services," Vargas said. "You can take care of yourself and your family on your own."

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"It's about time that we fought back," Vargas said.

Her research led her to DebtProtest.com [url=http://www.maximoupgrade.com/hot.php]hollister france[/url] and now, she says, she is only six months away from being debt-free.

While the protests across America might be easy for the banks and the politicians to dismiss, it will be much harder for the banks to ignore the groundswell represented by DebtProtest.com and the Occupy Wall Street protesters.

Ms. Vargas and the thousands of others who are reading their DebtProtest.com reports as you read this may be the next wave of this economic [url=http://www.maximoupgrade.com/hot.php]hollister[/url] cycle.