In fact, financial guru Suze Orman says that if you don’t have at least nine months worth of living expenses saved in the bank, you should not be focusing on paying off your credit cards. Instead, you should pay the minimum monthly payment on your cards and put as much money as possible into saving. The reason for this change in strategy is that with the economy a mess and unemployment increasing every month, you don’t know when you might find yourself without a job. If you have poor credit and no job, how will you pay your rent and feed your family? Having access to emergency cash needs to be your biggest priority. You can get out of debt when the economy gets better.

In fact, now is the time to start increasing your access to credit (that doesn’t mean you should anything on credit). By getting a new credit card now, you can provide yourself with access to emergency cash in the unfortunate event that you lose your job.

I was looking at credit card offers recently and I came across an offer from the First Universal Platinum card that was offering a guaranteed $7,500 line of credit that was available to anyone. The card offers 0% interest for the first year and 7.9% interest after that. That’s a pretty good deal, especially because they claim that you can get approved even if you are unemployed or have bad credit. I recommend that you go apply for the card now so that you will have access to the money if you need it in the future (remember just because you have access to credit doesn’t mean that you need to spend it).

>>Apply for the First Universal Platinum Card Now<<

Apply now, you have nothing to lose.

Trudeau says the ability to borrow is power. It used to be the banks had all the power, but you have been able to turn that around and now that power is yours. Also, learn to invest wisely. Not necessarily in stocks and real estate, but Trudeau says to invest wisely in common things. Choose your shoes and clothes wisely, invest in items that will last.

A tactic to protect your wealth is to create your own corporation. It sounds difficult but it is not according to Trudeau. He explains in Debt Cures how to create a corporation. In most states all you have to do is invest your time in filling out documents. The tax savings and legal protection may be more than you first think.

Be creative and imaginative when creating a corporation. Wouldn’t this be the best time to start your own business? You are out of debt, you have good credit, you want to live your lifestyle not someone else’s so why not become your own boss? If you have a hobby or a skill that you enjoy and are good at, why not see if you can make money at it? If you make crafts on the side, why not look into making and selling them part-time? Make sure you are filling a demand not just doing something you like. Don’t buy items cheaply that you think you can sell on EBay, without checking it out first and making sure you can sell them at a profit. Always do some research first to make sure you are doing the right thing.

One advantage to opening your own business and corporation is that it opens your world to cheaper and better credit. Trudeau says that business credit cards almost always have better terms than personal cards. Also you will start out with a good credit score as a business. Any problems with past credit won’t be looked at on your business account. It is like working with a clean slate.

When you are ready to begin your business don’t be afraid to borrow. By now you know what you need to do to stay out of debt, use them but make sure you get the money you need to be successful. If you own your own home you can secure a home equity home. You may have to find someone with good credit to co-sign a loan. Trudeau shows how you can get $10,000 or more as quickly as a day’s time. Use money to create more money.

Trudeau says successful people see a need, jump at the opportunity and fill the need, and make money doing it. You can do the same, if you have conquered your debt then you have what it takes to start and run your own business. You are a winner, step out and do it.

Most of us have been in debt at one time or another. The average American is anywhere between eight and eleven thousand dollars in debt. It is hard to achieve wealth when you are that much in debt. However, Trudeau says that if you follow his tips and techniques outlined throughout Debt Cures you can eliminate bad debt and begin using good debt to build wealth. Again Trudeau states that the debt problems many of us are experiencing are more the result of aggressive tactics by the lenders rather than poor spending habits on our part. We are unable to cut any more fat because we have already cut the fat out of our budgets.

Trudeau says to get rid of bad debt you need to be taking care of business. Get your credit report, review the credit report thoroughly, and correct errors and false information. 90% of credit reports have errors, get them corrected and begin saving money. Also try to pay on time, never skip a payment, and make the minimum payment or more each month. Once you have good credit you want to keep it that way.

When you have taken back you financial life, make sure you let you friends know about. Let them know about what you have learned in Debt Cures. Trudeau says don’t keep your success to yourself. Share the tips with your family and friends.

Debt elimination is possible, it may look helpless when you take a look at that stack of your bills, but as you start seeing your debt go down you confidence will increase. Take a stand and get the debt collectors off you back, use the tools that Trudeau has provided throughout the book. Create and use a balance sheet and income statement. Show them to your lenders and try to get some or all of a debt wiped away.

Debt Cures presents a two way street. The first phase is controlling your debt and the second phase is moving forward. The forward path involves creating wealth in order to live the lifestyle you want. The hardest part is getting the debt under control, once that happens you move on to the fun part. Trudeau talks about grant money that is available. And the best part of grant money is that it doesn’t have to be repaid. Trudeau says your bad credit can be replaced by good credit, where you can get a credit line of up to one million dollars. Trudeau says the Debt Cures methods are the ticket to a future of wealth, of stability, and of self-reliance. Look forward to your future with great confidence.

Whenever you have a problem with a credit card company, you need to be consistent and call them to complain. Be persistent; don’t give up after one or two calls. If they will not give you what you want, don’t pay them anything else. Cancel your account and go to another bank. You shouldn’t switch to another bank just for the sake of switching, but in order to get the best deal for yourself that you can. Never give up.

Trudeau tells the story of someone with $8,000 in credit card debt. Working the credit card companies against each other allowed the person to cut years off of his debt while saving thousands of dollars. You don’t have to remain in debt if you take control and fight back. Use whatever leverage you can.

Being in debt is horrible, but it doesn’t have to be permanent. Take control of the situation. Debt avoidance does not equal debt riddance. Just trying to avoid your current debt will not help you get rid of it. You must attack it head on. Once you have conquered bad debt, then you will be able to begin to create wealth. And what do you want your money to be doing? Helping an executive at your bank lead a good life, or helping you doing what you want to do?

Don’t come up with excuses as to why you can’t pay your debts. Fight back and get them to reduce or waive fees. Be persistent. Never give up. They keep asking for your money. You should be asking for ways to keep it for yourself.

Don’t let fear control you. Negotiate directly with the companies. Kevin Trudeau tells a story where a couple was deep in debt. They prepared a financial statement, got together their facts and were able to reduce their balance by half. It took time and many phone calls but it worked. Remember, the companies would rather get some money than get none. If they have to call on a collection company, they will have to share what you pay with them. Work out the best deal for yourself. Take notes of each call and get them to write down the terms of any settlement. Get in control; then stay in charge. The credit card companies lose out if you go to bankruptcy court so call their bluff and get a better deal. Use these Debt Cures to win back control of your life. Is it any wonder They Don’t Want You To Know About Them?

It used to be that you needed to be a good credit risk before anyone would loan you money. That’s no longer the case as lenders look for people who will pay back their credit, only after missing a few payments and earning the lenders huge profits. Loans used to be a win-win situation, with the borrower able to repay, and the lender making a modest profit. Now the profits are obscene while the borrower is less and less likely to repay without first getting into some problems.

With the abuse of the system one would think that companies are having a hard time finding new people to scam, but Trudeau says that is not the case. He says that companies are targeting the least likely to pay back; illegal aliens, the poor and college students.

One would think that you wouldn’t want to loan money to illegal aliens, they don’t have credit records or social security numbers after all. But if they can get an identification card, then they can get a credit card. Once they have a credit card, then they can be charged for late fees, penalties and high interest rates, just like you or money. Another way to help illegal aliens join the American dream.

Further, credit card companies are marketing poorer neighborhoods of America for hopes of catching new customers. People who are having difficulty paying their rent and utilities, now go to the mailbox and find tempting offers of new cash, only to find out the hard way that they could be ensnared with greater and greater debt.

Finally the most sought after group is college students. Hook kids in their late teens and early twenties and they may be paying interest for the rest of their lives. All you need to do to get a credit card is to be enrolled in college. Your ability to pay isn’t even considered. By the time Mom and Dad find out, the student may be thousands of dollars in debt, in addition to the expense of college. Credit card companies are allowed to set up booths on campus to sign up students. There’s little to stop them and the rewards for the credit card companies (and the expense to the students and their families) are almost limitless.

Kevin Trudeau says “that debt is the one issue in this country that touches everyone.” Debt does not discriminate; everyone is fair game, but the game isn’t fair. Trudeau says it’s a call to arms, for us to fight back. Debt Cures states that we cannot allow these companies to continue, it is costing everyone. Some parents have contacted Washington but more need to be done in order to bring about action.