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Credit Card Debt Archives

Think carefully about how bankruptcy can help you with debt

Crushing credit card debt is a problem for many Americans. Regardless of why you are in this situation, you likely want a way out of it. You might be sick of the phone calls to demand payment or the mail you get telling you that payments are past due. All of these are signs that you need to take some sort of action.

Make your holiday gifting plan now to avoid credit cards

Even though Labor Day just passed, now is the time to start thinking about Christmas. One thing that many people don't realize is that they could save themselves a lot of trouble if they would plan in advance since this might give them a chance to avoid having to pull out the plastic to pay for the holiday goods.

Tame your credit card debt and enjoy a fresh financial start

When you have more credit card debt than you care to admit, there is a chance that it is keeping you up at night. You might be wondering how you are going to pay your bills, buy the necessities and keep up with the credit card payments. One option that you have is filing for bankruptcy.

Avoid these ways of paying off credit card debts

Credit card debt is something that you likely want to say goodbye to as quickly as possible, especially when it is ruining your life. Dealing with credit cards is something that takes some planning. You can continue to make the minimum payments each month, but you likely won't be able to pay it off any time soon doing this.

Debt snowballs and bankruptcy options that might help you

When you are facing mounting debts, paying some of them off might seem like it is impossible. It is understandable that you might want to review some of the ways that you can get out of debt. One of these options is to use the debt snowball payoff method.

Take control of your credit card debt right away

Many people think that if they are swimming in credit card debt that they have to hide that fact and just struggle through trying to pay it off. This isn't necessarily the case. In fact, many people who are struggling with credit card debt are in this boat because of an uncontrollable situation like a major illness or job loss.

What are some drawbacks to secure debt?

Secure debt is any debt that is secured by collateral. Collateral is something that the lender has a right to liquidate to pay off a debt that you do not pay as agreed. If you finance a car purchase, for example, the loan is secured by the car itself. The bank can repossess the car if you don't make your payments, and that's the drawback of this type of debt.

3 ways to keep retail therapy from deepening your debt

Whether retail therapy is a major reason you now find yourself dealing with debt or you simply want to shop to boost your spirit during financial struggles, continued unplanned spending typically makes the situation worse. Retail therapy makes sense: buying something nice or doing something unplanned for yourself boosts endorphins and positive feelings, which can temporarily reduce the impact of stress. The stress always returns, though, which makes retail therapy an expensive long-term solution. Here are three ways to quash your spontaneous spending habits as you work on debt and financial stability.

Your credit card rates could increase and no one has to tell you

The Federal Reserve decided in December to boost interest rates slightly. That could translate to a higher cost of credit, especially for credit card holders who don't pay off their balance each month. With the Fed setting the mood on rate hikes, credit card companies are somewhat free to follow suit, and they don't have to notify you before doing so.

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