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Advice on Credit Card Debt

Credit card debt is a big problem and it seems to be getting bigger as credit cards are handed out to anyone and everyone who has a pulse. We are a nation of spenders and consumers who love to shop and eat out (a lot). The result is often bad spending habits and too much personal debt. Here’s my advice on credit card debt I always give to people who contact me seeking help:

1. Unfortunately, there is no quick way to eliminate your debt – even bankruptcy is no longer fast

2. Fixing the problem requires discipline and a commitment

3. The better you are at adjusting your lifestyle to reduce spending, the faster you will be out of debt

4. Change your attitude about your debt – convince yourself that you can get yourself out of debt with some work and that you will stick to a plan. There is a light at the end of the tunnel.

5. Learn about credit card relief options and then research the best debt relief company for your needs.

6. GET HELP!!! – Just like a recovering alcoholic needs AA, you will likely do better if you enroll the services of a professional debt solutions company who can reduce your credit card payment and set up a plan for you. The support and budgeting guidance a good company can provide you is invaluable.

Bottom line? My advice on credit card debt is that the sooner you face up to the problem, the better off you will be. Unfortunately, it will not disappear on its own.