Jane’s Story of Credit Card Debt
It is easy to get in over your head with credit card debt, especially when you do not understand how to deal with credit card debt. Jane began with two credit card accounts. She was very careful to keep her credit card balances below 30% of the credit limit because financial advisors said this was the smart way to deal with credit card debt. Jane was careful to make her payments before the due date each month to keep her credit rating in good standing.
However, as Jane became more comfortable with having credit card debt, she let her balances creep up toward the credit limit. She applied for multiple credit card accounts so that she could purchase whatever she wanted when she wanted it. Even though she had incurred more debt, she was balancing it very carefully until she had an unexpected financial crisis that caused a reduction in her monthly income. It is then Jane realized that she really did not know how to deal with credit card debt.
What Should Jane Do Now?
If this sounds familiar, you are not alone. Many of us get into trouble with credit before we realize that it is happening. As long as we have a steady income and there are no emergency house repairs, the car keeps running and we do not have a medical condition that causes us to be out of work, we may be able to juggle credit card debt for a while – even years. However, at some point, paying those monthly payments will be more difficult and then impossible.
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The interest rates on the accounts double or even triple and the late fees and over-the-limit fees begin to add up. There is no way at this point you will be able to deal with credit card debt without a solid plan. Depending where you might be in the process of sinking into overwhelming debt, you may be able to dig your way out before it is too late.
How to Deal With Credit Card Debt Wisely
- Keep balances below 30% of your credit limit
- Only have one or two credit cards
- Pay off the balances in full each month if possible, if not, pay extra each month to pay off the balance faster
- If you have several open credit cards, pay off the highest interest cards first with any extra funds you may have and work your way down until you pay off all of your credit cards
- Try to negotiate with your credit card companies for a lower interest rate
At some point, you may realize that you will never be able to get rid of credit card debt. If this is the case, you should consult an experienced bankruptcy attorney to discuss bankruptcy options. Bankruptcy offers a way to get rid of your credit card debt so that you can recover from your financial problems so that you can begin to rebuild your finances for a stronger future.
Schedule a Free Consultation with an Experienced Mount Holly Credit Repair Attorney
If you are struggling with credit card debt that you are unable to resolve by yourself, we can help you find an affordable solution. Bankruptcy offers a way to discharge thousands of dollars in credit card debt so that you can have a fresh start without the burden of debt hanging over you.
Travis J. Richards and his staff are here to assist you with your financial problems. We focus our services on bankruptcy, debt consolidation, and credit repair. We offer free bankruptcy consultations during normal business hours as well as on weekends and after-hours.
Call our office at 609-267-5297 or use our convenient online contact form to schedule an appointment today.
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