The world as we know it in this last decade of the new century is changing faster than we can predict and sometimes these changes are happening at a rate that makes us question our ability to survive. One such change is the rate at which financial problems are accelerating.It’s getting harder for everyone to make money and to stay on top of bills. Income has decreased as companies are forced to either shrink their work force or shut down completely. Meanwhile, the cost of goods and services throughout the world continues to rise because of rampant inflation, a recessionary economic condition called hyperinflation.Financial problems weigh down almost everyone, especially the working people who are forced to spend more than they earn. This has resulted in heavy borrowing from revolving credit companies, who have been busy capitalizing on this trend. Unfortunately, with the loss in the purchasing value of the dollar, continued high interest rates on cards, and new penalty fees for late payments, it’s becoming increasingly easy to have financial problems.A Credit Card Debt Consolidation Loan ProgramAlthough debt relief agencies continue to propose new ways to solve financial problems, one method has succeeded remarkably well. This method, called a credit card debt consolidation loan program, not only restores good credit but it also wipes out all unsettled payments. A consolidated loan can bring your card balances back to zero and force your creditors to mark your account as “Paid As Agreed.”1. Find a legitimate, reliable lender who can offer this type of loan.2. Describe your current financial distress with this lender and find out if you can qualify for this loan and how it can help you solve your financial problems.3. Ask for a loan amount that can cover all your debt with the various charge cards you currently carry.4. Negotiate for the lowest interest rate possible. If necessary offer collateral to reduce the risk the lender assumes in offering you this loan.5. Figure out the best repayment schedule, one that is neither over demanding on your time and resources nor one that is a little too lenient.6. Resolve and implement a new way of handling your finances from this point on. There is no point in clearing all your charge card accounts with a consolidated loan only to continue to overuse your open-end cards and spend more than you earn.