Tag Archives: CreditCounseling

7 Ways to Keep Credit Card Debt from Sinking Your Finances

Did you know that the average amount of credit card debt in an American household is over $16,000? That’s one of the main reasons that credit cards have become one of the worst financial problems you can face. Worse yet, the longer you wait to handle your credit card debt problem, the bigger that debt is going to become. This is why the Texas bankruptcy attorneys here at Julian, Crowder & Shuster want to help you get your debt under control this year. 7 Ways to Prevent Credit Card Debt from Tanking Your Finances Make a Budget– If you don’t know how much you’re spending, how can you know how much you can allocate toward your debt. It’s time to sit down with you monthly bills, a spreadsheet, and a calculator. Pay More Than the Minimum– If you only pay the minimum balance on your credit card accounts, it’ll take…
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What’s Bankruptcy Credit Counseling Like?

Bankruptcy unfortunately has a stigma attached to it that scares off people that it could truly benefit from taking advantage of the process. Many people mistakenly believe that filing for bankruptcy is somehow wrong or means they’re some kind of financial failure, which couldn’t be further from the truth. In many cases, people file bankruptcy, because life has thrown them an unexpected curve that they simply can’t overcome financially, such as divorce, job loss or an illness that leaves them with massive medical debt. Bankruptcy is a tool for such people to legally regain control of their financial future. However, it’s not as simple as just showing up to court one day and signing some paperwork. The process is complex and requires several steps, such as bankruptcy credit counseling. What Is Bankruptcy Credit Counseling, and How Does It Work? As a part of the process of filing bankruptcy, a person…
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