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Call 1-800-000-0000

Dear Subscriber,

The average American has more than $8,600 in credit card debt and millions of credit card holders declare bankruptcy every year.¹ These are some of the reasons for the 2006 increase to monthly minimum payment requirements for credit card accounts.²

Discover practical tips to help clear debt from your life. And remember, as a Countrywide^® customer, you may have financial solutions available that could be used to pay off post-holiday expenses, consolidate debt and get the cash you need.Call your Personal Loan Consultant today at 1-800-000-0000.

Help Pay Off Debt With A Money-Saving Plan


1-800-000-0000	1-800-000-0000	1-800-000-0000

Whether your debt load is above or below the national average, you’d probably rather spend your money on something besides huge interest fees. By taking a proactive approach to reducing your debt, you may be able to free up cash and enjoy having a more stable financial outlook year-round.

Help Reduce Credit Card Debt
If your budget is squeezed due to post-holiday expenses and high-interest rate credit card debt, now may be the time to try and get some relief. Help reduce your debt and maintain your credit score by:

Paying for purchases with cash or checks.
Consolidating high-interest rate debt into one loan offering a lower overall interest rate and one monthly payment.
Always paying bills on or before the due date.
Avoiding credit cards to pay for quick consumables, such as meals, groceries or gas unless you can realistically pay off the entire credit card balance when it becomes due each month.
Saving up front for big expenses, so you can buy them outright instead of financing them.

Build a Budget
For a month, track all the money you spend, from a fast food lunch to weekend videos to the utility bill. Then cut back on non-essentials and look for ways to reduce necessary expenses, such as making your home more energy efficient to reduce heating bills or carpooling to cut down on fuel costs. Use those saved dimes and dollars to help make your credit card payments or pay down any balances you carry from month to month.

Explore Your Borrowing Options
Credit cards are handy, but they’re not always the best option if you need extra funds. Many times, using the available equity in your home may be a wiser choice, since you’ll usually enjoy lower interest rates, and in most cases, that interest will be tax deductible.^*

Learn how Countrywide Home Loans,^® a member of the Countrywide family, America’s #1 home loan lender,^† can help you get the most out of homeownership and possibly cut higher-interest rate debt out of your budget. Call your Personal Loan Consultant at 1-800-000-0000 to learn more about money-saving financial tools.

			Call 1-800-000-0000

			Call 1-800-000-0000

1. According to “Why America’s Really in Debt,” published October 2005, The Motley Fool,® Fool.com.

2. According to “Higher Minimum Payments in 2006,” published January 2006, Bankrate.com.

^Up to 4 payment options available each month: minimum payment (may result in negative amortization), interest-only and 15 or 30-year amortized payment, some options may not be available each month. ARM rates subject to increase during loan term.

*Consult your tax adviser regarding deductibility of interest.

†As ranked for 2005 by Inside Mortgage Finance (Jan. 27, 2006), © 2006.

This publication is provided for your convenience and information only. Countrywide Home Loans assumes no liability for loss or damage as a result of your reliance on information in this publication. Photos are for illustration purposes only and are not to be construed as an endorsement of a particular product or company. Unless expressly disclosed otherwise, Countrywide Home Loans is not affiliated with or responsible for the products or services of any company that may be mentioned or depicted in this publication. Our goal is for the contents of this publication to be accurate as of the date this issue was printed. However, we do not guarantee that any content is accurate or complete.

Equal Housing Lender. © 2006 Countrywide Home Loans, Inc., 4500 Park Granada, Calabasas, CA 91302. Trade/service marks are the property of Countrywide Corporation and/or its subsidiaries. Full Spectrum Lending is a division of Countrywide Home Loans, Inc.

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