UK Flag United Kingdom   Canada Flag Canada   En Español         Member Login
Give us a call 1-800-320-9929 
  • April's Credit Card Debt Tips
  • April's Credit Card Debt Resources
  • April's Credit Card Debt Success Story

How to Deal with Credit Card Debt Effectively

credit counselor It’s no secret—debt sucks! While most debt sucks to deal with, credit card debt is usually the worst because high rates and high balances get together to create a serious drain on your finances. When credit card debt starts to suck the life of out your finances, we can help you regain financial stability so you don’t feel like you’re hemorrhaging money. The right debt management strategy can help ensure that high rates and high balances are kept at bay.

Don’t let debt drain the life out of your financial future! Take stock of your debts, get informed and then give us a call to start developing a real plan to get out of debt. With the right strategy, you can eliminate debt quickly, avoid credit damage and improve your outlook without adding a lot of unnecessary stress on your place. Call us today at 1-800-320-9929 to speak with a certified credit counselor or get started now with a request for a Free Debt Analysis.

Understanding Debt

Understanding Debt

The first step to find the right debt solution is to understand how debt really works. Your debt solution will be different depending on the type of consumer debt you owe. Knowing the differences with various types of debt can help you find the right solution to your debt problems.Plus check out up-to-date consumer debt statistics to see how your debt stacks up versus other consumers in America.

Gain a better understanding of your debt

About Credit Card Debt

While all debt can cause a financial strain or burden on your budget, credit card debt is often the biggest offender. High interest credit cards with high account balances are a recipe for disaster. It’s vital to understand how APR and credit cards work, and how paying only minimum payments is not helping to reduce your debt. We also help you decode your credit card statement and offer advice on teenagers and credit cards to help your family avoid unnecessary credit card debt problems.

Why credit card debt gets out of control so quickly

Danger Signals of Credit Card Debt

Danger Signals of Credit Card Debt

How do you know when it’s time to seek help with credit card debt? If you’re making your payments, you may not think your credit card spending is a problem. However, you may be on the verge of your own debt crisis—just one emergency could tip the scales to put your finances in a bind. Plus review the most frequently asked questions our credit counselors receive to get the answers you need about credit card debt.

Identify a credit card debt problem

Reduce Credit Card Debt

Whether you’re just breaking even or falling further behind each month, you know it’s time to get a solid plan in place to starting reducing your debt. From smart ways to save money each month to actual credit solutions, find everything you need to start reducing your credit card debt here. Or call us for a free confidential financial evaluation at 1-800-320-9929.

Build a strategy to reduce your debt

Credit Card Debt Relief

Are you feeling the burden of living with a credit card debt problem? Don’t consider bankruptcy until you’ve weighed all of your debt relief options! There are a number of solutions to credit card debt that are better for your finances in the long term than bankruptcy. You can save your house, save your credit, and take control of your financial future.

Get real facts on your debt relief options

Debt Quiz

Not sure if you need credit card debt relief? Take the Consolidated Credit Debt Quiz to get a general assessment of your credit card debt and debt repayment habits. Find out if you need to take action to reduce your credit card debt and get tips on what you can do to improve your finances based on how you rate.

Take the Debt Quiz now

Get Relief From Debt
Videos

You need Adobe Flash Player 9 to view this widget.

Get Adobe Flash player

Self-Help Booklets
Credit Cards: What You Need to Know

This basic ‘Credit 101' publication explores the pros and cons of using credit, provides a guide and calculation formula to help consumers find out how much credit they can afford, and offers advice on what elements should be considered before applying for a credit card, how to build a positive credit history, and existing credit rights.

1 of 4

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

Call 1-800-320-9929
to speak with a counselor today!
Click Here


All Consolidated Credit counselors are certified personal financial counselors (CFC)
We’ve helped 5 million people get out of debt!
Call us today and see what we can do for you.


Call 1-800-320-9929
to speak with a counselor today!
Click Here

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

Call 1-800-320-9929
to speak with a counselor today!
Click Here

Consolidated Credit Consulting Services, Inc.
has been verified as the owner or operator of the Web site located at www.consolidatedcredit.org. Official records confirm Consolidated Credit Consulting Services, Inc. as a valid business.
Call us today and see what we can do for you.

Call 1-800-320-9929
to speak with a counselor today!
Click Here
Consolidatedcredit.org certificate status


Consolidated Credit is a Certified ISO 9001 company, as verified through Bureau Veritas Certification.
Call us today and see what we can do for you.


Call 1-800-320-9929
to speak with a counselor today!
Click Here

Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating.
Call us today and see what we can do for you.


Call 1-800-320-9929
to speak with a counselor today!
Click Here
Consolidatedcredit.org review status

Consolidated Credit is proud to be an ANAB accredited member. Accreditation by a recognized and respected body such as ANAB ensures the impartiality and competence of our company.
To see what we can do for you, give us a call.


Call 1-800-320-9929
to speak with a counselor today!
Click Here

U.S. Department of Housing and Urban Development - HUD’s mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. Consolidated Credit is proud to be a member of HUD and also part of the Hope Now Alliance.

Call 1-800-320-9929
to speak with a counselor today!
Click Here

Associations
What You Need to Get Started
  1. Account information of all unsecured debt
  2. Income and expense detail per month
  3. Co-debtor information
The process is safe and secure, takes under 30 minutes and you can save your information and complete it later. Once everything is entered and you’ve spoken with a counselor, we’ll be able to quickly determine your eligibility and start you on a payment plan. We have successfully helped over five million people since the early 1990’s.