March 18, 2018
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Is Credit Card Debt Digging Your Grave?

Are you considering bankruptcy for credit card and other unsecured debt?  You are not alone.  More and more people are looking to bankruptcy, thinking it will help them get out of debt.  Many feel it is their only choice.  Economic and job market fears can increase a person’s sense of financial distress.  The debt and worry cycle only serves to increase anxiety and a sense of powerlessness.  Consumer credit counseling has proven methods and advice to break the chains of debt and free you from the cycle.  Credit counselors enable you to regain financial control.  You have options.  Make the empowered choice!



What Happens When You File Bankruptcy?

It is not as sweet as it sounds!  First of all, you will find that bankruptcy itself can be extremely expensive.  From high court fees to lawyer fees, you start the process spending more money - not saving!   Most people considering bankruptcy have no money to spare in the first place!  Not only is bankruptcy expensive - it is very hard on your future finances, as well.

For instance, imagine that you need a car to get to work?  New or used car loans are much less likely for those who’ve filed bankruptcy.  Or, what if you find yourself in need a necessary home repair.  Once again, with a bankruptcy on your record this type of loan will more than likely not be made available to you.  You see, most lenders will run fast and far from consumers whose credit report shows up with a bankruptcy.

What’s Your Story?

Imagine owing thousands upon thousands of dollars to credit card companies because of the debt you accumulated when your monthly income was higher.  Many people find themselves stuck in this scenario.  They felt secure with their higher income and thought they could afford all those monthly payments.  Maybe life took a turn and their income dropped unexpectedly.  Or, as in some cases, the credit card debt became an addiction that they just couldn’t stop.

Whatever steps led you to considering bankruptcy as your only answer, breathe a sigh of relief.  Consumer credit counseling services are your best bet!  Let a credit counselor evaluate your financial situation and work with you to create a plan of action.  

So What Should You Do?

We just learned how debilitating and costly bankruptcy can be on your financial future.  While bankruptcy may seem quick and easy, it hurts you in the long run.  Now, lets take a different approach - credit counseling.  In fact, a good consumer credit counseling service will help you not only pay off your debt, but clean up your credit report, as well.  Imagine that - a clean credit report and financial freedom!  Instead of making you pay for your mistakes, counseling services grab a shovel and help you dig your way out of them.




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