In recent years, the aggressive expansion of unsecured debt here in the United States has created problems of mammoth proportions in thousands of lives. Living with debt can have a negative impact on your marriage, mental health, job performance, and other critical areas of your life. Over 2 million Americans filed bankruptcy in 2005.

It's easy to blame the borrowers, and they should take some responsibility. But the dangers and pitfalls of easy credit are not taught in schools. Credit card companies make it far too easy for those just out of school, or even those still in school, to obtain credit cards. In addition, our consumer driven society continually tempts us to buy things we cannot afford, and many cardholders lack the discipline to resist. Experience teaches that you can get trapped by high balances and high interest, but often by the time you learn, it's too late. A minor glitch in income or an unexpected expense can cause late payment penalties, over-limit fees, and additional interest at the very time when you can least afford it, creating a burden that is impossible to manage.

FDR's Program is a preferred alternative to either perpetual payments or bankruptcy. We help people of all ages and economic status to eliminate their debts as soon as possible, and we'll teach you how to minimize your future use of credit without lowering your living standards. We have the ability to literally transform lives with our unique and remarkable program.

The following charts show how compounded interest affects the total amount that consumers pay on unsecured debts. Use the balance owed and interest rate you are currently being charged to find what you will pay and how long it will take, if you are only able to make the minimum monthly payments required: