What You Need to Get Started
- Account information of all unsecured debt
- Income and expense detail per month
- Co-debtor information
Dealing with Credit Card Debt
Without a doubt Americans spend too much money on credit. We’ve gotten into a bad
habit of using credit cards to spend money we don’t have on things we want. Now,
especially with the economic crisis, this spending habit is creating serious credit
card debt problems for many Americans.
If you’re one of the millions facing a mountain of credit card debt, it’s important to understand how credit card debt works and how to get out of debt—ideally, without damaging your credit further. You can read below to learn more, or get started solving debt problems now by calling 1-888-881-3619 to speak with a certified credit counselor or taking our Free Debt Analysis.
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Understanding DebtThe 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 DebtWhile 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. |
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Danger Signals of Credit Card DebtHow 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 DebtWhether 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 1-888-881-3619. Build a strategy to reduce your debt Credit Card Debt ReliefAre 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 QuizNot 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. |
Get Relief From Debt
Self-Help Booklets
| Credit Cards: What You Need to Know | |
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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. |
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