Few topics of conversation stop your heart as quickly as credit card debt relief. I have a hard time envisioning someone like James Bond (I know he’s not real) casually slipping that into a conversation whilst straightening his tux lapels. Having charged away like Bond, few of us have the means to actually square away our credit balances. In fact, millions of us are heavily in debt and it seems that’s the way the forces that be want it. In fact, credit card debt seems to be a scheme straight out of Dr. No’s repertoire.

The obligatory hand-to-mouth lifestyle is a complete drag and so is the fact that the majority of us try to live it to the fullest. When the payments slip a month, you can bet your bottom dollar they will slip to two and then three and then you’ve got some guy named Vinnie calling you “regarding a personal matter.” Then you drop your shades and end up living like some fugitive.

Look, I know you haven’t done anything wrong. You’re responsible — you’re just in over your well-coiffed head. Stand up straight, open the blind, crank out your favorite Barry Manilow tune and be proud. You can take charge of your debt and still pay your bills. The bottom line when it comes to debt relief seems to be the fact that even debtors want to get paid something — anything! So, there is your leverage.

Settle your nerves, have a shave and make an appointment with a reputable DMP, smirking all the while that you know what that stands for: debt management program. These beauties are designed to leverage your debt against what you can realistically pay over a certain amount of time. This plays to your responsible nature and good looks and to the fact debt collectors want to get their hands on anything — even pennies on the dollar. It just depends on your case.

The relief you need is an appointment away and I love how breezy that sounds. Breezy and true. Click around, scribble some numbers, get something to drink, and make a few calls. You’ll feel like Bond barreling through a brick wall in his indestructible Lotus. Or Aston Marten, whichever you prefer, the point is: you’re taking the matter into your own hands and standing up to the challenge of finding financial freedom. Few secret agents ever enjoy that kind of satisfaction.

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