Managing High Credit Card Debt

Tips on paying down credit card debt and negotiating with credit card companies.

Are You at Risk for Credit Card Debt Trouble?

In order to avoid excessive credit card debt, pay attention to these red flags.

Getting Out of Credit Card Debt

Learn the pros and cons of various ways you can reduce or eliminate credit card debt.

Negotiating on Credit Card Debt

You can often negotiate better interest rates, payment dates, and even long-term payment plans and settlements on your credit card debt.

Credit Card Debt Settlement

If you have high credit card debt, you might be able to settle the debt for less than the full amount. But beware of the downsides to credit card debt settlement.

Should I Consolidate Credit Card Debt?

Here are the things to consider if you want to consolidate your credit card debt.

What Is a Credit Card Debt Write-Off?

When a credit card company writes off or charges off your debt, you are still liable for the debt.

Will the Creditor Forgive My Credit Card Debt?

Credit card companies rarely forgive your entire debt, but you might be able to settle the debt for less and get a portion forgiven.

Can I Get the Credit Card Company to Discount My Debt?

Your credit card company might agree to a lump sum discounted payment, a lower interest rate, or another type of special payment plan.

Why Was My Credit Card Rejected or Blocked?

Here are some reasons why a store or restaurant might reject or block your credit card.

Defenses to Credit Card Debt Lawsuits

Here are some common defenses you can raise if you are sued for credit card debt.

Credit Card Debt Judgments

Learn what a credit card judgment is and how a credit card company can get one.

The Lifecycle of Credit Card Debt Collection

Learn about the steps and players involved in collecting on defaulted credit card debt.

Credit Card Debt Lawsuits

Learn when you might get sued for delinquent credit card debt, steps in the lawsuit, and how to defend against it.

Can Credit Card Companies Garnish My Wages?

A credit card companies can garnish your wages if it gets a judgment against you. Learn how to avoid this.

Credit Card Agreements: The Fine Print Might Provide More Time to Sue You

If a credit card agreement designates another state in its choice of law provision, it might have more time to sue you for delinquent debt.

Credit Card Debt and Death

Learn what happens to credit card debt when a person dies.

Am I Liable for My Spouse's Credit Card Debt?

Find out when you are liable for your wife's or husband's credit card debt.

Divorce and Credit Card Debt

Learn what happens to your liability for credit card debt when you get divorced

Closing Credit Card Accounts to Manage Debt

Sometimes closing credit card accounts helps you get out of debt. Learn which accounts to close.

How to Close a Credit Card Account

Learn the correct way to close a credit card account to avoid later problems.