Personal Debt

YOUR MONEY Getting A Handle On Personal Debt (NAPSA)—Using credit cards to pay for household expenses or putting off medical appointments because of the cost—these are just two warning signs that a person may be having problems with personal debt. Refinancing a mortgage can result in a lower mortgage payment each month, which may mean more moneyfor other bills. Fortunately, according to Joel Greenberg, President of Garden State Consumer Credit Counseling (GSCCO), help is available. He suggests seeking advice from a reputable credit counseling firm and developing a plan to get out of debt. He also thinks that refinancing a mortgage may help someget out of debt by lowering payments and freeing up cash. GSCCC—with offices nationwide—is a non-profit, social service agency licensed and bonded by the New Jersey Department of Banking. To learn more, visit the Web site at www.gardenstateccc.org.