Bad credit is the cancer of our global society. There are so many people in debt than people saving that I am surprised that we do not end up jumping out of windows like they did in the great depression.
I am in debt and I am betting so are you. It is almost inescapable, but sad in a way. We are all geared towards the instant gratification and avoid things that take time to develop. I recently joined a program and I was astonished that the comments in forums and blogs about how bad the program is and how they don’t deliver “on time” before the launch of the actual program.
The demand for refunds or cancellations must have practically preceded the orders. It would be very funny to be at customer service and have a refund request dated before the payment of the actual product.
Don’t get me wrong, they had legitimate cases but I am just looking at the timeline. 90 days is not enough time to give a good project time to yield results.
To get rid of bad debt you must first deal with your own short comings that put you there in the first place. There are websites like http://www.badcredithomeloanrefinance.biz that offer some resources that anyone can use to restructure their debt.
Debt counselling really helps, and it keeps you from sliding back into debt once you start making progress out of debt.
Recently I came across an old concept to me called Mortgage payment protection which I normally used to check off whenever I was signing papers for my property loans. These insurance companies provide protection whenever you cannot pay your monthly mortgage. You can find a list of your local companies here: http://www.mortgagepaymentprotectioninsurancecompanies.com
Getting rid of your bad debt is not an INSTANTANEOUS solution and if anyone promises you that you must please say; “No thank you, that is how I got in this mess in the first place.”
You have to take responsibility for yourself and your debt, the noble prince on a white stallion who you are expecting to charge to your rescue is currently preparing to marry Kate Middleton 
There are some lawyers who can assist with bank loan modifications. I found a nice list of some of the best in USA here: http://www.loanmodificationattorney.net
Hopefully you would be satisfied with the post that I set up to assist you in finding a way out of your debt situation. Remember: keep your head high, be deliberate, slow and it is never too late to start (Just get on with it!)
