As the largest debt negotiator in the U.S., Freedom Debt Relief provides debt settlement services to borrowers with at least $7,500 in eligible debts. Fees are largely success-based, ... FREED is India's 1st Debt Relief Platform, helping debt-burdened consumers resolve their debt and regain their financial freedom. Start your debt relief journey now! The journey to debt freedom starts with a simple yet profound decision: stop borrowing money. This means you have to shift your mindset from one of reliance on …Privacy Policy & Accessibility | Debt Freedom USA15 mins. November 30th, 2023. Advertiser Disclosure. Contents. What does being debt-free mean? The Case For Living Debt-Free. How to Become Debt-Free. How to Maintain a …2 days ago · Download the Freedom Mortgage app. 951 Yamato Road, Boca Raton, FL 33431 United States | Lender NMLS ID: 2767. NMLS Consumer Access. Equal Housing Opportunity. Legal Disclosures ...Nov 9, 2023 · Debt relief is a reduction, reorganization, refinancing or (sometimes) forgiveness of your debt. If that sounds like a pretty broad definition, that’s because debt relief can cover a lot of things. From bankruptcy to consolidation to the full freedom that comes from paying off your debt for good, debt relief comes in a lot of shapes and sizes. Nov 13, 2023 · California Debt Relief Services. InCharge Debt Solutions is a leading non-profit organization that specializes in providing debt relief programs to individuals and families. They offer a range of services, including free debt analysis, credit counseling, debt management plans, and financial education.The journey to debt freedom starts with a simple yet profound decision: stop borrowing money. This means you have to shift your mindset from one of reliance on …Since 2002, FDR has settled over 2.9 million accounts for their clients. As of April 2021, they are currently settling about $200 million in debt (over 55,000 debt settlements per month). FDR employs about 2,000 professionals dedicated to helping clients with debt. #1 in Total Debt Amount Settled: Freedom Debt Relief has helped resolve over $10 ...1. Goal-Driven. People who live without debt understand that if you don’t know where you’re going, you’ll never get there. They set money goals, starting with getting out of debt, and organize their financial life …Feb 7, 2024 · Freedom Debt Relief has served over 850,000 client, the most out of every company on our list, and has settled more than four million accounts. $15+ billion in debt settled Freedom Debt Relief has ...We realize that many families may have gone through refinancing or debt consolidations before, unfortunately falling back into debt. To solve this challenge, at Debt Freedom Achievement, we focus on helping our clients to manage their cash flows using customized strategies, including budgeting, setting up emergency accounts, and effective debt …Consumer Debt Freedom Center (CDFC) is a dedicated debt solutions company that helps consumers and business owners find solutions to deal with their debt. Call Us! +1888 299 9122 Contact Us For A Fresh StartFree Debt Freedom Consultation. Find a solution that works for you in a matter of days. 1300 855 388 . Contact us. DebtFreedom Pty Ltd 250 Bungarribee Rd, BLACKTOWN, NSW 2148, Australia. Phone: 1300 855 388. Facebook; Twitter; YouTube; LinkedIn; Your Name (required) Your Email (required) Your Tel.Mar 21, 2024 · Partner with a team that’s “been there, done that” when it comes to debt management - with over 20 years of experience navigating debt relief. 1-800-787-0095; [email protected]; EXCELLENT | 4.8 out of 5 on ; Home; Get Started. What We Do; ... to Debt Freedom. Trust us: We wanted a three-step process, but this stuff is just too ...Debt-free means having no pending debt payments. It also implies having no outstanding dues and not utilizing credit cards for day-to-day purchases. The approach …15 mins. November 30th, 2023. Advertiser Disclosure. Contents. What does being debt-free mean? The Case For Living Debt-Free. How to Become Debt-Free. How to Maintain a …Jul 4, 2023 · Creating a will doesn’t have to be complicated: An online website like Willful can help you put together a completely customized will in about 20 minutes. Prices start at $99. Being debt-free is ...15 mins. November 30th, 2023. Advertiser Disclosure. Contents. What does being debt-free mean? The Case For Living Debt-Free. How to Become Debt-Free. How to Maintain a …Jan 14, 2023 · Freedom Debt Relief understands the ins and outs of debt relief and is the nation’s top debt settlement provider. We have helped over 650,000 clients resolve over $15 billion in debt since 2002. Our experience shows us that there are different reasons for financial hardship.The highest outstanding student debt in the UK is more than £230,000, data obtained by BBC News reveals. ... (SLC) following a BBC Freedom of Information (FOI) request. Joel Ríos, cliente de Debt Freedom USA. Buenas, mi nombre es Joel Rios. Yo soy un cliente de Debt Freedom USA. Vine aquí tres años atrás por la situación mía financiera, tuve una bancarrota casi 10 años atrás; después de eso tuve unos cambios de trabajo, lo cual me afectaron mucho mis créditos y mis deudas. Sample Day 1. Start this Plan. Explore the Biblical path to debt freedom with this 3-day devotional! Dive into the hidden traps, common mistakes, and proven strategies to break free from financial bondage. Infused with Biblical wisdom, this guide is your roadmap to a life of financial peace and spiritual abundance. Start your journey today!The Debt Freedom System utilizes my exclusive 4P Debt Elimination Method to accelerate your debt payoff time. 1. THE PLOY - Oh I'm sure you’ve seen "the ploy" before… when creditors “catch you” and entice you and you fall for their scheme. Learn how to spot them from a mile away, and then how to NOT fall for them. 2. THE PLOT - When you get SO …6 Ways to Climb Out of Debt. Fortunately, difficult doesn’t mean impossible. Here are six strategies to consider. 1. Creating a Workable Budget. If you have a significant amount of debt to pay off and are looking at how to become debt-free, you’ll likely be looking to cut costs in a meaningful way. A budget can help with that.We Build aDebt Busting ProgramCustom For You. Using our proprietary processes and tools, our agents can tailor a relief program to your specific situation. The program starts for consumers with $10,000 or more in debt but goes all the way to $200,000. We have multiple programs and the authority to custom tailor them to you.The data was released by the Student Loans Company (SLC) following a BBC Freedom of Information (FOI) request. SLC says graduates in England leave …Jan 31, 2024 · Debt relief through a debt management plan. A debt management plan allows you to pay your unsecured debts — typically credit cards — in full, but often at a reduced interest rate or with fees ... Jan 5, 2024 · Debt Free vs. Financial Freedom. Being debt-free indicates having no outstanding debt payments. Having no outstanding loans and not using credit cards for routine purchases. The cash envelope approach to budgeting can avoid all sorts of debt. Everyone defines financial independence according to their own objectives.Debt free or freedom for pay off debts, loan or mortgage, solution to solve financial problem, savings or investment to break free, happy businessman holding golden key after unlock debt burden chain. debt free stock illustrationsFinally, turn left, and Halifax Debt Freedom will be on the right. We’re open: Monday-Friday 08:30 – 16:30. For additional questions, you can call us at (902) 707-4826. Our goal is to help consolidate your debt and reduce the stress. Debt …Free Debt Freedom Consultation. Find a solution that works for you in a matter of days. 1300 855 388 . Contact us. DebtFreedom Pty Ltd 250 Bungarribee Rd, BLACKTOWN, NSW 2148, Australia. Phone: 1300 855 388. Facebook; Twitter; YouTube; LinkedIn; Your Name (required) Your Email (required) Your Tel.Dec 16, 2022 · Advantages of being debt-free. Here are some of the best reasons to go or maintain a debt-free status: 1. More cash flow. Instead of putting monthly or weekly payments towards debt, you can keep that money for yourself. This means more money in your pocket and more freedom to spend it however you wish.4 days ago · Debt Freedom System You deserve to go on vacation more often without facing a credit card statement once you get back home. The Debt Freedom System teaches you how to pay off debt, in less time (without selling everything you own), even if you are living paycheck to paycheck on only one income.May 11, 2023 · With this Money Games - Debt Freedom book, you can : Pay off debt and save money faster and easier; See your progress so you stay motivated; Break out of the vicious paycheck-to-paycheck cycle; Actually enjoy "adulting" with your money; Relieve money stress by coloring in your accomplishments; Stay focused on your goals & make your financial ... 6 days ago · Getting out of debt and achieving financial freedom is a journey that begins with transforming your money mindset. By adopting a positive and growth-oriented mindset, taking control of your finances, changing spending habits, seeking professional help and support, and building a sustainable financial future, you can …Debt freedom brings all kinds of freedom. Benefit 4: Confidence boost from paying off your debt. Becoming debt-free often comes with a boost in self-esteem and confidence. Taking control of your finances and conquering your debt instils a sense of accomplishment and empowerment. This confidence spills over into other areas of your …Nov 10, 2022 · Kenneth and Gloria Copeland understand just how life-changing the message of faith is. They started out just like any of us—struggling with continual lack, debt, sickness and discouragement. Then they decided to trust God and base their lives on His Word. If a situation in their lives didn’t line up with what they read …Privacy Policy & Accessibility | Debt Freedom USATrusted by Nova Scotians. Halifax Debt Freedom, powered by Powell Associates Ltd, is one of Nova Scotia’s Debt Restructuring and Financial Rehabilitation companies and has assisted in the successful restructuring of millions of dollars in consumer and tax debt for consumers. Our clients have been able to eliminate up to 80 percent of their debt.Finally, turn left, and Halifax Debt Freedom will be on the right. We’re open: Monday-Friday 08:30 – 16:30. For additional questions, you can call us at (902) 707-4826. Our goal is to help consolidate your debt and reduce the stress. Debt …Oct 11, 2023 · 5 Signs of Losing Control of Your Debt-Free Journey: Recognizing the Red Flags. Increasing Reliance on Credit: Regularly turning to credit cards or loans to cover basic expenses. Minimum Payments ...5 Steps to achieve debt freedom. God wants you to trust Him with your finances, but He also wants you to do your part in managing your money well. Here are 5 practical steps you can take to pay off your debt and live a debt-free life. Step #1 Make a commitment to be debt-free.Debt Busters are here to help. With over 15 years of experience assisting thousands of people just like you, we’ve helped people across Australia save over $89.3 million in debt repayments. From debt consolidation and personal loans to debt negotiation and mortgage refinancing, our team will help assess your unique financial situation and ...Follow Us. You’ll find everything you need to know. about debt counselling in our library of articles. Email: [email protected]. Office Hours: Mon – Friday 8:00AM – 5:00PM. Phone: +27 87 806 6966.Mar 29, 2023 · Debt Free Happens is another debt freedom blog that shares the story of a couple (Kevin and Erin) that paid off over $100k in debt in just under three years. Kevin shares the debt snowball spreadsheet he used to pay off the debt, along with a host of other useful debt payoff tools. The site even has a printable debt …Baby Step 2: Pay Off All Debt (Except the House) Using the Debt Snowball. Next, it’s time to pay off the cars, the credit cards and the student loans. Start by listing all of your debts except for your mortgage. Put …For most people, living debt-free is a meaningful goal that represents a level of financial freedom. Student loans, car loans and credit card debt can feel overwhelming, but eliminating debt can relieve the stress.The Empire of Freedom. EPILOGUE.: Refugee Returns. JSTOR is part of , a not-for-profit organization helping the academic community use digital technologies to preserve the scholarly record and to advance research and teaching in …Over 14,000 people helped out of $201,723,747 debt. We have thousands of satisfied customers becoming debt free every year. They now live within their means, have built savings, and many now own their own home. “ Beyond Debt was very helpful and understanding. Without them, I would have drowned.Great customer service, very …Mar 4, 2019 · The fact is that someone – our children and children’s children, will have to pay up. 11. Interest works night and day; in fair weather and in foul. It gnaws at a man’s substance with invisible teeth. — Henry Ward Beecher. High-interest debt (credit cards) can be difficult to get out of.The data was released by the Student Loans Company (SLC) following a BBC Freedom of Information (FOI) request. SLC says graduates in England leave …2 days ago · Freedom Debt Relief stands out for the monitoring capabilities of its user-friendly online dashboard, backed by online chat and a team of 350+ customer service representatives for personalized ... Dec 21, 2023 · Write all amounts and deadlines down carefully and put the goal sheet at the front of your financial binder. 2. Make a Monthly Budget. Making a monthly household budget —and … Debt freedom is an important contributing factor to building wealth. You now have the tools and a plan to make it happen – start today! Debt Payoff Calculator Terms & Definitions. Debt – Money that is owed or due. Balance Owed – The remaining amount of your debt that you need to pay. Trusted by Nova Scotians. Halifax Debt Freedom, powered by Powell Associates Ltd, is one of Nova Scotia’s Debt Restructuring and Financial Rehabilitation companies and has assisted in the successful restructuring of millions of dollars in consumer and tax debt for consumers. Our clients have been able to eliminate up to 80 percent of their debt.May 4, 2021 · 10. Watch Debt Freedom Testimonies “Now faith is the substance of things hoped for…” –Hebrews 11:1 (KJV) One way to get to debt freedom FAST is to build your faith through the power of testimonies. If you’ve been around KCM for a while, you know we have quite a few testimonies of debt freedom among our Partners and Friends! May 11, 2021 · Debt; Walk the road to debt freedom – and make it last. Freepik. Published May 11, 2021 ... Paying off debt means there is the initial discomfort of sacrificing creature comforts, but the more ...Dec 30, 2022 · Doing so gives you a better chance of earning more than you spend, which is “positive cash flow”. Achieving a surplus each month gives you more choices and money to work with as you cultivate a debt-free lifestyle. Pay attention to your credit. A good credit score can sometimes help you get out of debt faster. I talk about money for a living and yes, I have money goals, but over time, I’ve developed habits and discipline that help me not have to think about money every single day, including debt freedom. 3. Debt Enslaves Us “The rich rule over the poor, and the borrower is slave to the lender.” (Proverbs 22:7 NIV)It’s no wonder just 23% of Americans say they live debt free, according to the Federal Reserve. What’s clearer than the exact percentage of Americans who carry zero …9. They don’t compare. Debt-free people don’t compare their lives to those down the street or on social media. They know they’re on their own journey, chasing after their own goals and dreams. And because they’re not comparing themselves to others, they’re more at peace and content with the lives they live. 10.Updated February 13, 2024. Fact checked by. Matthew M Klammer. Investopedia’s Rating. 4.2. Sign Up Now. Our Take. Freedom Debt Relief has an established track record of …May 31, 2018 · Get on the road to debt freedom, and don’t stop until you get there. Here are the first five steps. 1. Make a Quality Decision. Like any spiritual victory, becoming debt free begins with a decision. Being born again and receiving Jesus as Lord and Savior is a decision.Trusted by Nova Scotians. Halifax Debt Freedom, powered by Powell Associates Ltd, is one of Nova Scotia’s Debt Restructuring and Financial Rehabilitation companies and has assisted in the successful restructuring of millions of dollars in consumer and tax debt for consumers. Our clients have been able to eliminate up to 80 percent of their debt.The author of the spreadsheet and the Squawkfox blog, Kerry Taylor, paid off $17,000 in student loans over six months using this downloadable Debt Reduction Spreadsheet. Start by entering your creditors, current balance, interest rates, and monthly payments to see your current total debt, average interest rate, and average monthly …The Debt Freedom System utilizes my exclusive 4P Debt Elimination Method to accelerate your debt payoff time. 1. THE PLOY - Oh I'm sure you’ve seen "the ploy" before… when creditors “catch you” and entice you and you fall for their scheme. Learn how to spot them from a mile away, and then how to NOT fall for them. 2.Financially in control of your life and your family’s future. I’m not here to lead you, I’m here to guide you. I’ve been where you are and I’m going to show you the other side – which, by the way, is Incredible. When you join the Debt Freedom Club, you give yourself a chance to build a powerful Financial IQ that you’ll be able to ...Mar 10, 2024 · Does debt have you feeling like there is no escape?Time’s not up yet. You deserve financial freedom! BUY NOW $497 $159 Understanding Debt and Wealth Creation Can Accelerate Your Path To Success. Did you know that: 10 % Of Americans don’t have at least $1,000 in their Savings Account. 0 % of Americans have less than $5,000 in …2 days ago · As a leading debt settlement company, Freedom Debt Relief has several great advantages to its debt settlement services, including. Low minimum of $7,500 in unsecured debt to begin debt settlement. Costs between 18.25 and 25 percent of the total enrolled unsecured debt. Free consultation with a Certified Debt Consultant. Freedom Debt Relief is here to help. Please contact us by phone at 1-800-910-0065 or via email for more information about our debt settlement services.Jan 20, 2022 · Squawkfox Debt-Reduction Spreadsheet. The author of the spreadsheet and the Squawkfox blog, Kerry Taylor, paid off $17,000 in student loans over six months using this downloadable Debt Reduction Spreadsheet. Start by entering your creditors, current balance, interest rates, and monthly payments to see your current total debt, average …The data was released by the Student Loans Company (SLC) following a BBC Freedom of Information (FOI) request. SLC says graduates in England leave …Best Debt Management Companies Of March 2024. Mitch Strohm, Rebecca Lake. Editor, Banking Expert. Fact Checked. Elizabeth Aldrich. Deputy Editor. Updated: Feb 29, 2024, 8:05pm. Editorial Note: We ...Oct 11, 2023 · 5 Signs of Losing Control of Your Debt-Free Journey: Recognizing the Red Flags. Increasing Reliance on Credit: Regularly turning to credit cards or loans to cover basic expenses. Minimum Payments ...Sep 7, 2023 · Debt minimum: $10,000. Program length: 24 to 48 months. Monthly fee: n/a. Get Started. National Debt Relief was founded in 2009, is a for-profit debt relief company and is a member of the American ... Weighted down by debt and doubt? Parachute can help you start your journey to debt-freedom today. Skip to content. Parachute. Dare To Be Debt Free. Menu. Debt Management; ... Start your journey to debt-freedom and register here. I have some questions first. Talk to us to get answers. I’m not sure. See what you could save …Nov 30, 2021 · Consider Your Freedom from Debt . Being debt-free also means freedom. You may be more likely to be able to quit your job if you are not happy, without the worry about whether you will be able to keep your home or be able to make your payments. Debt is a big worry that is always there in the back of your mind, even if you are pretty good at ... Jan 20, 2022 · Squawkfox Debt-Reduction Spreadsheet. The author of the spreadsheet and the Squawkfox blog, Kerry Taylor, paid off $17,000 in student loans over six months using this downloadable Debt Reduction Spreadsheet. Start by entering your creditors, current balance, interest rates, and monthly payments to see your current total debt, average …It’s no wonder just 23% of Americans say they live debt free, according to the Federal Reserve. What’s clearer than the exact percentage of Americans who carry zero …Debt Busters are here to help. With over 15 years of experience assisting thousands of people just like you, we’ve helped people across Australia save over $89.3 million in debt repayments. From debt consolidation and personal loans to debt negotiation and mortgage refinancing, our team will help assess your unique financial situation and ...Oct 20, 2023 · And if that’s not bad enough, you’ll end up shelling out $38,935 to pay off the new loan versus $35,646 for the original two loans—even with the lower interest rate of 9%. This means your “lower payment” cost you $3,289 more. We’ve got one word for you: rip-off. Resources. How to achieve financial freedom and pay off debt, according to a financial expert who paid off $87,000. CNBC Select spoke to Tiffany “The Budgetnista” …Our team is dedicated to providing up-to-date financial information to help people manage their debt. Our goal is to improve mindset, reduce guilt, and deliver actionable information. We are not financial professionals and the information we’ve provided should not be considered official advice. Debt Payoff Planner is the award-winning app ...For most people, living debt-free is a meaningful goal that represents a level of financial freedom. Student loans, car loans and credit card debt can feel overwhelming, but eliminating debt can relieve the stress.The key to being debt-free sounds simple: Find ways to spend less than you earn so you don’t have to borrow money. But that’s not always easy to put into practice. …由于此网站的设置，我们无法提供该页面的具体描述。 Debt freedom is an important contributing factor to building wealth. You now have the tools and a plan to make it happen – start today! Debt Payoff Calculator Terms & Definitions. Debt – Money that is owed or due. Balance Owed – The remaining amount of your debt that you need to pay.
Jun 24, 2022 · Freedom Debt, for instance, says it has settled more than $10 billion in debt for more than 650,000 clients since 2002. However, there’s no guarantee that the debt settlement company can resolve ... . The pennsylvanian
Immediate freedom. Find out how you can reduce your debt by up to 60% and start living stress-free. Quick & Easy Process. In just 3 simple steps, discover how much you can save. No lengthy paperwork or confusing jargon. Confidential & Secure. Your privacy is our top priority. Check your eligibility with complete confidence and zero obligations.Jan 20, 2022 · Squawkfox Debt-Reduction Spreadsheet. The author of the spreadsheet and the Squawkfox blog, Kerry Taylor, paid off $17,000 in student loans over six months using this downloadable Debt Reduction Spreadsheet. Start by entering your creditors, current balance, interest rates, and monthly payments to see your current total debt, average …Debt Busters are here to help. With over 15 years of experience assisting thousands of people just like you, we’ve helped people across Australia save over $89.3 million in debt repayments. From debt consolidation and personal loans to debt negotiation and mortgage refinancing, our team will help assess your unique financial situation and ...Immediate freedom. Find out how you can reduce your debt by up to 60% and start living stress-free. Quick & Easy Process. In just 3 simple steps, discover how much you can save. No lengthy paperwork or confusing jargon. Confidential & Secure. Your privacy is our top priority. Check your eligibility with complete confidence and zero obligations.5 Steps to achieve debt freedom. God wants you to trust Him with your finances, but He also wants you to do your part in managing your money well. Here are 5 practical steps you can take to pay off your debt and live a debt-free life. Step #1 Make a commitment to be debt-free.Sep 21, 2021 · 5. Put Together a Plan. 6. Build an Emergency Fund. 7. Don’t Create More Debt. 8. Bounce Back From Setbacks. If you want to pay off your debt but don't know where to get started, follow these steps to get out of debt. Finally, turn left, and Halifax Debt Freedom will be on the right. We’re open: Monday-Friday 08:30 – 16:30. For additional questions, you can call us at (902) 707-4826. Our goal is to help consolidate your debt and reduce the stress. Debt …Feb 28, 2022 · Freedom Debt Relief is a debt settlement company that helps consumers negotiate with their creditors to reduce the amount of debt they owe. The company was founded in 2003 and is headquartered in San Mateo, California. Freedom Debt Relief offers debt relief services to consumers who are struggling …Debt Freedom Coaches. Hey there! We are Faith and Leo, a 28 and 30-year old married couple, who were in over our head in debt! $211,000 to be exact! Faith has a Masters degree in Nursing and Leo has a Masters degree in Occupational Therapy (hence, the super high debt amount). From credit cards, to personal loans, and …Resources. How to achieve financial freedom and pay off debt, according to a financial expert who paid off $87,000. CNBC Select spoke to Tiffany “The Budgetnista” …6 days ago · Getting out of debt and achieving financial freedom is a journey that begins with transforming your money mindset. By adopting a positive and growth-oriented mindset, taking control of your finances, changing spending habits, seeking professional help and support, and building a sustainable financial future, you can …Oct 23, 2023 · 9. They don’t compare. Debt-free people don’t compare their lives to those down the street or on social media. They know they’re on their own journey, chasing after their own goals and dreams. And because they’re not comparing themselves to others, they’re more at peace and content with the lives they live. 10. 5 Steps to achieve debt freedom. God wants you to trust Him with your finances, but He also wants you to do your part in managing your money well. Here are 5 practical steps you can take to pay off your debt and live a debt-free life. Step #1 Make a commitment to be debt-free.Total Debt Freedom was founded in 2004 and is fully licensed and bonded. We are a next-generation debt relief company, with the goal of being recognized in Canada as a top provider of consumer credit card debt relief. Local: (416) 855-0500 FREE Consultation: (866) 833-3033Sep 21, 2022 · However, if what you want is a straightforward debt consolidation service, and a lender who appears to have your interests at heart, Discover should definitely be one of your first picks. 3. Marcus by Goldman Sachs: Best Debt Consolidation Company for those with good credit. (Image credit: Goldman Sachs) Mar 18, 2024 · 1. List out your debt details. Creating a plan to get out of debt requires focus and specificity. That means taking a hard look at all of your debt. For each outstanding balance, list out the ... Start couponing. You’ve probably heard this a thousand times—but are you …2 days ago · Our team is dedicated to providing up-to-date financial information to help people manage their debt. Our goal is to improve mindset, reduce guilt, and deliver actionable information. We are not financial professionals and the information we’ve provided should not be considered official advice. Debt Payoff Planner is the award-winning app ...Jan 31, 2024 · Debt relief through a debt management plan. A debt management plan allows you to pay your unsecured debts — typically credit cards — in full, but often at a reduced interest rate or with fees ... Joel Ríos, cliente de Debt Freedom USA. Buenas, mi nombre es Joel Rios. Yo soy un cliente de Debt Freedom USA. Vine aquí tres años atrás por la situación mía financiera, tuve una bancarrota casi 10 años atrás; después de eso tuve unos cambios de trabajo, lo cual me afectaron mucho mis créditos y mis deudas. .