Category Archives: Debt

Most Common Reason People End Up In Debt

The sad reality of the modern lifestyle is that a majority of the population is in debt. It can be a mortgage, study loans, credit card bills, medical bills and the list goes on.

The fact is that in this day and age more people in debt than ever before in history.

It starts right with the student loans and once a person enters this vicious cycle, it is hard to escape. I find that the major cause of debt among people is the lifestyle that people want to live. Continue reading Most Common Reason People End Up In Debt

Six ways to escape big brother

ONE | Without a trace

  • Cash is king, never use a credit cards. Even if you can get hold of an anonymous Visa or Masercard it still would be easy to track you down. Most shops have CCTV cameras installed. If big brother is really looking for you, they just match the time of the transaction with the CCTV camera footage and have a picture of you.
  • Never apply for credit, you give away way to much information.
  • Not even think of shredding documents, authorities or criminals have the abilities to scan all kind of paper pieces and then use sophisticated software to put them all together.
  • Never leave your rubbish outside your home. If someone is after you that is the place they will start looking to find more information about you.

Continue reading Six ways to escape big brother

Becoming Someone Else By Changing Identities

I sat there just looking at my credit report sitting in my hands and cried. I knew I had made a lot of mistakes, and I owed thousands and thousands of dollars in credit cards and other loans. I was doing pretty good at first and had a good job and could afford my bills. But now, I had lost my job several months ago and here I sat with bills in hand and no way to pay them.

Time to Form a Plan

change-identityI had bill collectors calling and demanding money every day and thought that the only thing I could do was maybe to somehow change identity and move away from all this horrible mess. But how could I do that? Would it be possible? And could I ever get a job someplace else even? I didn’t know, but I decided to do some research and find out. I had to take some time to form a change identity plan of action.

First, I discovered a lot of places on the Internet that claim they would help me to do things like get a new social security number but I was scared they were fake and besides, I was broke and if I had that much money I would have paid off my bills and wouldn’t have to change identity. So, that idea was out. The government won’t let you change your social security number legally unless you are a victim of identity theft and then there would be a way for the bill collectors to find me anyway.

Plus, it’s not so simple to change identity as it used to be before computers and the Internet. In the past I could have found a grave of a baby born the same year as me and just used that info to get a new card, new ID, new driver’s license, etc., but now that information could be found online and I wouldn’t get by with it. But I had to do something! Continue reading Becoming Someone Else By Changing Identities

Debt Nightmare

My debt Nightmare I started to get into debt when I was still at university. I was young and I just wanted to enjoy life.


All my friends did they same, credit was just so easy available to us at that time. Once I graduated from university in 2007 I had a total debt of $30 000 USD. I was not worried at all as I was expecting to get a well paying job fast. I have a degree in Business Management (BA with honors). I started to apply for work online. I felt very confident, that it would not take more than a couple of weeks for me to find a decent job at some multinational company. Continue reading Debt Nightmare