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While your goal is to save yourself a little money every month, and maybe streamline your monthly bill payments, credit card companies want to make money -- so there are a few things to know as you select the right balance transfer offer.

Only a portion of each monthly payment you make on your credit card balance is applied to the principal; you're also paying interest, and sometimes a lot of interest.

The fact is, particularly in these tough economic times, the faces of debt represent all of us – it's the family struggling to make ends meet, the single mom or dad often forced to rely on credit cards to pay for the necessities of life – it's the successful entrepreneur or business owner who going through a rough spot trying to manage the business -- it's even everyday people who get caught in the credit card trap – the plastic promise of buy now, pay later.

The good news is, regardless of the individual or the family, or the situation – there are caring debt relief specialists who can help resolve your debt – they understand what you're going through – So take a moment to get your free debt relief analysis and savings estimate.

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In 2012, there were more than 1 billion credit cards held by 160 million Americans, and in the same year, U. consumers collectively charged 0 billion to their plastic [source: Debt.org].During this time we have earned the Better Business Bureau's highest rating of accountablity, won many national awards for outstanding service and now 97% of our clients surveyed report they would recommend us to others.Feel free to call us today to learn more or to make an appointment to speak with one of our Counsellors.Our Counsellors can help you get started right away with a plan to: has been helping people consolidate their debt payments and learn how to manage their money better since 1996.

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Our organization has helped hundreds of thousands of Canadians, and we have grown to become Canada's largest credit and debt counselling service with local Counsellors located in offices across much of Canada.

Regardless of your situation, if you're in debt – know that help is available to you – and we're ready to assist you.

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