Do you ever look at the word debt and wonder where it came from? It’s a pretty ugly word and the placement of that silent ‘b’ is misleading at best, but that’s the way debt rolls: subtly. And credit cards most certainly operate under the same MO, with hidden fees operating under the guise of low APRs and ‘rewards.’

The definition of ‘credit’ on is: “money that a bank or business will allow a person to use and then pay back in the future.” In theory this definition sounds appropriate but in practice, people who have credit card debt would probably want to tack on the phrase, “albeit with exorbitant amounts of interest.” And it’s true, besides borrowing money from your family, what business or bank is going to lend you credit without getting the principal plus interest in return?

Borrowing money from your family has both pros and cons. On the upside, you pay little to no interest, there’s no official paperwork and there’s no binding agreement. One con is that you then have to kiss that family member’s feet at every holiday party. Paying back interest or stroking your rich cousin’s bloated ego – which is the lesser evil?

The bottom line is when you are in debt from all the credit you’ve racked up, you have to resolve it. The definition of ‘debt’ is: “an amount of money that you owe to a person, bank, company, etc.”  Again, that part about repayment of interest is absent. Related words for debt include: delinquency, bankruptcy, default, embarrassment, and insolvency. While these power words can make you feel weak, feeble, and akin to the feeling you get when you weren’t chosen for your high school cheer squad even though your best friend was captain of the team, there is hope.

Here at Freedom Debt Relief, we embrace the battle of fighting debt. While your debt may be piling over your head, once you enroll in our Freedom’s Fresh Start Program, we immediately start cheering for you. Once you get on the road to resolving debt, all those feelings that held you back will melt away, and embarrassment, bankruptcy and insolvency will be replaced with confidence, stability and pride.

The definition of ‘relief’ is: “a pleasant and relaxed feeling that someone has when something unpleasant stops or does not happen.” Now that is a definition we can stand behind!