Website: DebtReliefOptions.com Facebook: www.facebook.com Twitter: www.twitter.com Most people believe paying back your debt is the right thing to do, and the right Debt Management Program can help you do just that. We agree, but we also understand that the challenges of life often make doing this harder than we expect. If you are under or un-employed, if you’ve had a serious medical problem or have gone through any number of life’s difficulties, you may find it impossible to effectively reduce your debt. One method that many people are using today is a Debt Management Program (DMP) also known as Consumer Credit Counseling. What is a Debt Management Program? A debt management program is where you work with a third party to arrange a repayment plan that is acceptable to both you and your creditors. You make one monthly payment to the debt management company who then disburses payments to the creditors until all your debt has been repaid. Regain Control of Finances A debt management program allows you to regain control of your finances, and actually pay down the principal on your debt much faster than you would if making just the minimum payments each month. Most DMP companies will offer assistance as part of the program to help you create a solid financial future. Qualified credit counselors are also available to offer advice on budgeting, investing, retirement and college planning along with many other financial topics. Effect on Credit Score Most lenders only look at …

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P and A is proud to announce that our law firm is one of the sponsors for this year’s Susan B. Komen Race for the Cure! Join Judah, X, the P and A Panda and the rest of our staff as we walk/run to combat breast cancer! In addition to participating in the race, we will donate $100 for every new client between now and May 1st, 2012*. See you there! *Please mention KOMEN when calling to schedule your free consultation.

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The Debt Reduction Toolkit™ is a do-it-yourself debt reduction option, that walks you step-by-step through a personal debt settlement program. The Toolkit contains the essential tools and simple instructions you need for do-it-yourself debt settlement and debt negotiation including: no-fluff information, scripts and letters to creditors, how to handle debt collectors and lawsuits, a decision tree, a budget, a balance sheet and call log, strategies, tactics and secrets from the pros. It was written as a do-it-yourself debt negotiation option by an industry leading debt reduction attorney and designed for individuals that have been turned down by other programs or do not want to pay additional fees to professionals. And professional support is available! Visit www.TheDebtReductionToolkit.com or call 1-877-220-7291 for a free evaluation.