' 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.


Video Testimonials

Tampa Bankruptcy Law Blog

Will Filing Bankruptcy Stop Eviction?

Are you struggling with an eviction notice and don’t know where to turn? You may be wondering if filing for...
Read More

Will Filing Bankruptcy Affect My Social Security Disability?

For those who receive Social Security Disability (SSD) benefits, filing for bankruptcy can be a tricky situation. The goal of...
Read More

Will Bankruptcy Affect My Citizenship Application?

Applying for US citizenship can be a long and complex process. One of the factors that the United States Citizenship...
Read More

What Does It Cost to File Bankruptcy in Florida?

If you are considering filing for bankruptcy in Florida, there is a lot to consider. From understanding what type of...
Read More

Why Should You Consider Bankruptcy in 2023?

With the New Year upon us, it’s important to consider all of your options for getting out of debt. Bankruptcy...
Read More

Can You Keep Bankruptcy a Secret?

Considering bankruptcy is a difficult decision, and it can be a lonely one. You may feel like you’re the only...
Read More

How Will Filing for Bankruptcy Affect My Loved Ones?

Filing for bankruptcy is a serious decision and not one that should be taken lightly. You'll likely wonder will bankruptcy...
Read More

Can I Spend Money If I’m Planning to File for Bankruptcy?

When you’re considering filing for bankruptcy, it can be hard to know the right course of action. One of the...
Read More

What to Do Now If You Intend to File for Bankruptcy Next Year

If you intend to file for bankruptcy in the New Year, there are certain steps you must take to ensure...
Read More

5 Lessons You’ll Learn from Filing for Bankruptcy

Looking for a bankruptcy lesson plan? Here are five things you can learn from filing for bankruptcy. Filing for bankruptcy...
Read More


For The Next 5 Days GET A FREE BOOK About Bankruptcy

Learn More


We are A Debt Relief Agency.
We help people file for bankruptcy under the Bankruptcy Code

Pay Online Bankruptcy Courses Newsletter Subscription

Call For A Free Initial Consultation


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

Map And Directions

St. Petersburg Office

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

Map And Directions

Pasco Office

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

Map And Directions