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Managing Credit Card Debt

Millions of American struggle under a mountain of credit card debt. If you're having trouble paying your credit card bills or worried about high credit card balances, learn what you can do to manage that debt better. Below you'll find articles and Q&As to help you determine the best way to handle your 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.

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.

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

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

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

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

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

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

Learn the players and steps involved in the collection of credit card debt.

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

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

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

Empower Yourself: DIY Products by Nolo

Sidestep the lawyers with do-it-yourself books, documents, and software.

Regain your financial freedom and fix your credit report with this pair of books designed to help you take control of your personal finances, get a hold of your spending, and make sure that your credit report is accurate.
Struggling with debt? Find solutions here.
Pursue your rights: put your demand in writing, and order the collection agency to leave you alone.
This letter helps you settle an outstanding debt with a creditor for less than the full amount owed.

Nolo offers hundreds of consumer-friendly, do-it-yourself legal products for all types of legal situations. Browse our full product list.

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Learn About Our Team

Learn About Our Team

Our editors have over 100 years of combined experience practicing law. These professionals have worked in a wide range of legal areas, from estate planning to criminal law to business formation and beyond. They’re experts at explaining complicated legal issues in easy-to-understand terms.

Learn more about the team that manages Nolo’s articles, books, and DIY tools.

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