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Is it possible to get out from underneath credit card debt?

Almost everyone has some amount of credit card debt. Whether the amount is large or small, credit card debt is one of the easiest kinds of debt to accumulate. With no money coming out of a person’s pocket upfront it can be an easy trap to fall into. However, once a person in the Tampa area is in debt it can be very difficult to get out.

One of the biggest traps people fall into is not having an understanding of how credit card debt works. Credit cards offer “free money” only for a limited time, then an interest rate kicks in at about 3.5 percent a month. Even when a person pays almost the entire outstanding amount before the due date arrives he or she is still responsible for the full amount of interest if there is still a remaining balance on the card on the due date.

There are several important steps to take to overcome credit card debt, including curbing one’s spending and buying only what’s necessary. A person should also pay his or cards off in order of interest charged with the highest being the primary focus. A person can also transfer the balance of one card to another in order to buy a little time in order to catch up.

When a person is unable to overcome his or her credit card debt by using these methods then he or she may need additional help, including the assistance of a credit card debt attorney. The right attorney in Tampa understands how to help a person, including filing for chapter 7 bankruptcy, if necessary. Anyone who is facing this kind of situation might want to consult with a lawyer as soon as possible.

Source: NDTV Profit, “How to get out of credit card debt,” Nov. 14, 2103.

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  • "When I first came to the decision to file for bankruptcy, I had no idea where to start. I began researching attorneys on the internet and came across the information for Tim Sierra. Since he specialized in bankruptcy and had a lot of experience......"
  • The process of going through bankruptcy could be very overwhelming but Tim made me feel at ease and I felt that my needs were being taken care of. I truly feel that he had my best interests in mind and the lines of communication were always open....
  • "I had to file a Chapter 7 bankruptcy. I didn't know anyone who could refer someone so I took a chance and just looked on the Internet. I don't remember exactly why I chose Mr. Sierra, but I am glad I did..."
  • He was honest, straightforward, and hard-working. In my case I ended up with some extenuating circumstances and he handled the matter professionally even though I'm sure the work probably exceeded what he originally felt it would be....
  • I don't ever write reviews, and I had no prior relationship with Mr. Sierra. This review is simply being written as a service to others that Mr. Sierra is an excellent attorney and should be considered for your needs if you need one....
  • "I'm very happy to have been referred to Tim for my Chapter 7 filing. He was knowledgeable in his field and very responsive in replying to any questions or concerns I had. Tim was also very accommodating with meeting times..."
  • " I recently was in need of Mr. Sierra's services and I found him to be very understanding and helpful in my particular circumstance. He met with me and explained everything in full detail and also answered every question that I had....."
  • " I recommend Timothy Sierra a loyal and dependable lawyer. When you talk to him you feel that you are with a friend or a member of your family. Timothy is able to lead you in every step of the process. Good job Timothy."
  • " Bankruptcy is a private and personally devastating life event. Timothy Sierra and his assistant, Nancy, made the process as painless as possible. They kept in close contact via phone and email so I always knew what was happening in my case...."
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