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Simon, Fitzgerald, Cooke, Reed and Welch
Simon Fitzgerald, LLC
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credit card debt Archives

Getting back on track when credit card debt is unmanageable

You'd likely be hard-pressed to find a Louisiana resident who hasn't encountered financial difficulties at some point in life. Economies fluctuate as do personal finances, as well as employment situations and other life dynamics that can quickly impact a financial status in positive or negative ways. Many people who have experienced money woes say it was credit card debt that tipped the scales in the wrong direction.

Credit card debt doesn't have to mean permanent financial ruin

It's understandable that even a moderately serious financial crisis can cause a homeowner to worry. In fact, many Louisiana residents are currently facing such problems. Some are no doubt hoping to have favorable tax seasons in order to use their refunds to pay off credit card debt. Recovering after a major financial setback is much easier if the person involved knows where to turn for support ahead of time.

Is balance transfer a good option for major credit card debt?

When spending outweighs income, it can lead to serious financial crisis. Many people in Louisiana are currently knee-deep in credit card debt, but they are definitely not alone in their struggle as thousands of consumers throughout the nation can relate. In fact, available data shows the average household in the United States likely carries more than $15,000 in credit debt.

Many Generation Xers are currently facing credit card debt

Those born in between the mid 1960s through the late 1970s are part of the age group known as Generation X. Often described as directionless or navigating their way through life without purpose or particular focus, many Gen Xers in Louisiana and elsewhere would likely take offense to such stereotypes. There is one thing that a lot of people born in this particular era seem to have in common, however, and that is substantial credit card debt.

Support available for those facing credit card debt problems

It's not uncommon to fall upon difficult financial times at some point in life. In fact, most Louisiana residents would likely say they have overcome a significant challenge or two in their lifetimes. One of the most pervasive problems facing many people today relates to finances and, more specifically, credit card debt. Owing too much on credit cards can threaten your overall financial stability and lifestyle.

Don't let credit card debt impede your future financial stability

Many people in Louisiana make most of their larger purchases (i.e., homes, cars, vacation property, etc.) via charge accounts. It's understandable since the average person doesn't have a quarter of a million dollars lying around to buy a house in cash. Occasionally charging things is a good way to build up a credit score as well. The problem is that it's easy to go from "occasionally" to "usually," and before you know it, you're facing serious credit card debt.

Has credit card debt caused a deficit in your weekend fun?

If you start thinking about your weekend plans as soon as your feet hit the floor when Monday mornings roll around, you are probably not the only Louisiana resident to do so. In fact, sometimes, thinking ahead to the weekend may be the only thing that helps get through a busy, stressful work week. It can be a real downer when financial problems arise that keep you from enjoying your free time to the fullest, such as unexpected expenses or mounting credit card debt.

Watch out for these credit card debt risks

A fluctuating Louisiana economy in recent  years has caused many people to feel as though they're struggling to keep their heads above water at times. For many, even the slightest change in finances is enough to land them in debt up to their ears. Others are able to avoid serious financial problems by paying close attention to the top causal factors of credit card debt; that way, if they notice signs of potential debt, they can make changes before their finances land them in a downward spiral.

Wells Fargo being sued by Chapter 13 filers in class action case

Many Louisiana residents (and others throughout the nation) seek debt relief options when they run into financial trouble. For some, Chapter 13 bankruptcy is the most viable option. Otherwise known as a wage earner's debt relief plan, it allows people to reorganize their finances and develop secure payment plans to satisfy their debts over time, without losing their assets.

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