' Tips for Handling Credit Card Debt - Law Offices of Robert M. Geller, P.A.

Tips for Handling Credit Card Debt

debt consolidation attorneyIf you’re struggling with credit card debt, you’re not alone. The average American household owes nearly $6000 in credit card debt. In some cases, working with a debt consolidation attorney can make your situation easier. For other people, bankruptcy is the best way to go.

What should you know about credit card debt?

While it may seem like a manageable amount, credit card debt can quickly spiral out of control. If you’re only making minimum payments, it can take years to pay off your debt. And, if you’re hit with a high-interest rate, your debt can increase even more.

What’s more, too much credit card debt harms your credit score. This, in turn, can lead to higher interest rates and make it difficult to get approved for loans.

Tips for Dealing with Credit Card Debt

If you’re struggling with credit card debt, there are a few things you can do to get back on track.

Here are 10 things that can help you get credit card debt under control:

1. Make a budget and stick to it. This will help you determine how much you can afford to pay towards your credit card debt each month.

2. Try to pay more than the minimum payment. This will help you pay off your debt faster and save money on interest charges.

3. If you can, transfer your balance to a lower interest rate credit card. This will help you save money on interest charges and pay off your debt faster.

4. Consolidating your credit card debt with a personal loan can also help you save on interest charges and pay off your debt faster. A debt consolidation attorney can help you decide if this is the best option for you.

5. Try to avoid using your credit cards for purchases. If you can, use cash or a debit card instead.

6. If you do use your credit cards, make sure you pay off the balances in full each month. This will help you avoid interest charges and keep your debt under control.

7. Keep track of your spending. This will help you stay on budget and avoid using your credit cards for unnecessary purchases.

8. Make a plan to pay off your debt. This will help you stay motivated and focused on paying off your debt.

9. Seek professional help if you can’t seem to get your debt under control. A credit counseling service can help you develop a budget and create a plan to pay off your debt. A debt consolidation attorney will assist you with blending your debt to make it easier to handle.

Contact a Bankruptcy or Debt Consolidation Attorney

Credit card debt can be a difficult burden to carry, but it doesn’t have to be impossible to manage. If you’re struggling with credit card debt, try following these tips to get your debt under control.

While it’s not easy, getting out of credit card debt is possible. By taking the necessary steps, you can get your finances back on track and improve your financial future. To learn more or to discuss whether or not bankruptcy is right for you, contact the Law Offices of Robert M. Geller at 813-254-5696 to schedule a free consultation with a debt consolidation attorney.


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Tampa Office

Law Offices of Robert M. Geller, P.A.
807 West Azeele Street
Tampa, FL 33606
T: (813) 254-5696
T: (800) 853-7549
F: (813) 253-3405

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Law Offices of Robert M. Geller, P.A.
125 5th Street South
(Wells Fargo Financial Center)
2nd Floor, Suite G
St. Petersburg, FL 33701
T: (727) 532-3939

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23526 State Road 54
Lutz, FL 33559
T: (813) 336-2320

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