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What to Do About Credit Card Debt: 5 Easy Steps

 

What would you do to get rid of all your credit card debt right now? That’s what researchers at mortgage servicer Mr. Cooper (formerly Nationstar) asked a group of 1,054 cardholders with more than $500 in credit card debt. Their answer: A lot. According to that survey, about a third of cardholders said they’d be willing to give up their favorite food or access to all social media for a year. Eight percent said they’d move to Antarctica for two years. And seven percent said they’d be willing to give up a kidney, just to get rid of their credit card debt. Of course, outside of winning the lottery, there’s no “quick fix” when it comes to getting rid of credit card debt. But if you’re overwhelmed by debt, there are credit card debt solutions that can help you get started down the right path - right now - so you can start feeling positive about your financial future again. Here are 5 simple things you can do:

Don't spend another minute worrying about debt.

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Take control.

Stop hiding from your debt - own it. Yes, it can be uncomfortable to take an inventory of all your debts and to learn how much you really owe. But gathering up all your most recent statements - even the statements you’ve squirreled away under that pile of unopened mail on your counter - is the first critical step in getting debt free. After all, you have to know where you are now in order to chart a clear path to a debt-free future.

Know your monthly payments

Make a list of your monthly payments for each debt, as well as any late fees and past-due amounts.

Create a budget

Write out a quick budget. It doesn’t have to be anything fancy for now - just know your net income (how much you bring in each month) and your major bills, like rent or mortgage, utilities, cell phone and so on.

Speak with a debt counselor.

CareOne’s debt relief providers are experts at negotiating credit card debt and helping people just like you reduce their debts and establish workable repayment plans that suit their budgets and their lifestyles. Plus, they can provide you with the support and guidance you need to pay off your debts faster so you can start building wealth for your future.

Learn tips and tricks to stay out of debt - and to pay off your debts faster.

Browse CareOne’s library of articles and blog posts to build your financial muscles. And there’s one more step: celebrate your successes! Each time you finish one of these steps and each time you make a monthly payment toward your debt, take some time to congratulate yourself! You’re making progress and you’re taking control of your future - two achievements that are certainly worth a little celebration!

Talk with someone right away and lets get you out of debt

Call 1-866-410-5323 & Select Option 2.

Get Help With Credit Card Debt Relief

Credit card debt can take a huge toll on your life physically and emotionally, sending your stress levels sky-high and even interfering with your sleep. No wonder it can feel so overwhelming and hopeless at times. If you’re wondering what to do about credit card debt, we can help. CareOne Debt Relief providers are experts in crafting credit relief options based on each individual’s unique needs. Our team starts with an in-depth analysis of your budget and your debts to develop a real debt solution that works for you. Better still, that analysis is free. If you’re serious about getting rid of your credit card debt and creating a better financial future for yourself and your loved ones, call CareOne at 866-497-1639 and request your free debt analysis today.

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