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When you are trying to get out of credit card debt, there a few options that can be considered. Although bankruptcy is one of the options, it should only be taken as a last measure when there is no other way out. This is due to the fact that a bankruptcy filing will damage your credit report and the filing would stay in your credit report for 10 years. This would certainly affect your loan applications that you might want to apply in the future. Debt negotiation is another option that you could consider as this would result in a lower debt amount to be settled.

If you choose to negotiate your credit card debt, you can either hire a debt settlement company or you can do it yourself. Hiring a debt settlement company would certainly save you the hassle of negotiating with the credit card company, but be prepared to fork out some money for the fees. If you are willing to do some research and spend some time for the negotiation, you can certainly do it on your own.

The first step is to determine the amount that you owe. This would help to estimate the amount that you would negotiate with the debt company. Then, familiarize yourself with the negotiation process. You need to call the debt company and explain your situation to them. Tell them that you would like to repay your debt but unable to pay the full amount. Negotiate with a lower amount first so that you would be able to raise the amount if they ask to. The debt company might turn down your offer on your first attempt. Do not be discouraged. Instead, call them up the next day and try to negotiate again. Do this until you reach an agreement with the debt company.

Once you have reached an agreed settlement amount, put it in writing and send it to the debt company. If the company needs to come up with an agreement, follow up with the company on the status.

Although the steps above seem tedious and take a lot of time, just remember that it would be worth it in the end, when you succeed in lowering your debt amount. So, go ahead and get your debt negotiated yourself. You have nothing to lose, except part of your debt.

Has audio marketing become a dead subject? On the contrary, audio marketing is still very much alive and doing well. Even in this age of massive video presentation, audio still has its place. You would think that by now, those using audio would automatically switch to using video for representing their businesses, but as any hard core audio person knows, you simply can’t beat audio for its overall simplicity.

Audio is still being used today in Internet marketing. Many of today’s big marketers record their teleseminars and other presentations for their customers and subscribers. For example, a marketer may record a short audio that explains about a particular topic such as article marketing and use it to give away to people who sign up for their lists.

Some marketers still use audio on their web sites to explain things to their potential customers. Audio is still very much a part of Internet marketing in this world of video. So don’t let people tell you that audio marketing is dead because it isn’t. People still use it more than you think. It is just that video is in the forefront right now, and will be for quite some time, but audio is right behind. Perhaps what makes audio so wonderful is the fact that you don’t have to be near it to benefit from it, whereas with video, it requires your full undivided attention in order to get something out of it. You could be listening to an audio from clear across the room, or even if you’re in another room.

However, with video, you have to be right up close to it in order to benefit. Now this isn’t to say that video isn’t good because it is and it has done some really great things for Internet marketing. However, it is just that with audio, you can just let it play and you could be doing something else at the same time while you’re listening. Audio is great because the files are much smaller than video files which means that you can store more of them onto a portable player.

Also what makes audio so great is the fact that if you don’t feel like fixing your hair, you don’t need to when you do an audio presentation because people can’t see your hair. A matter of fact, you can do an audio without anything on and nobody will notice. Just don’t try that with video because it wouldn’t go over well in the Internet marketing community.