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Credit Card Debt

If you have a serious problem with credit card debt, these articles and resources can help. Get tips and techniques to pay off your balances, consolidation FAQ's, find lists of free debt consultation agencies, and discover ways to regain your financial freedom through debt reduction.
  1. Credit Card Debt Calcula...

10 Steps to Overcoming Credit Card Debt
One of the biggest challenges for new investors to overcome when they first decide to start building wealth and putting money away for their future is a looming mountain of credit card debt built up over several years. The good news is that you can beat your credit card debt and you can beat it in a few years or less, giving you a new start in your financial life. These 10 keys to overcoming your credit card debt are designed to give you the knowledge you need to begin the journey.

How to Negotiate a Credit Card Debt Settlement
Before you can begin to invest, you must destroy your credit card debt. If you've fallen behind, the massive interest charges and late penalties can quickly cause your balance to balloon, making it even more difficult, if not impossible, to make progress. One solution is a credit card debt settlement that allows you to pay off your debt for a fraction of the balance.

About.com Credit / Debt Management Site
The debt management site at About.com is filled with tons or articles and discussions on paying off credit card debt. Be sure to check out the workshop, and the numerous articles on paying off credit card debt.

Credit Card Debt Advice
These three pieces of credit card debt advice were what I gave a member of my own family after she got in over her head by charging too much to her accounts.

Should You Use a Home Equity Loan to Consolidate and Pay Off Credit Card Debt?
You always hear people arguing that it is a good idea to take out a home equity loan or a home equity line of credit to pay off credit card debt. But is this a wise move or a foolish one? What are the pros and cons? Both are discussed in this to-the-point resource.

Understanding Credit Card Debt and Negative Amortization
Credit card debt can be difficult to pay off because of one incredible powerful financial force: negative amortization. Put simply, negative amortization means that your credit card debt balance is increasing over time because your payments are not enough to offset the interest expense that is being charged to your account.

Escaping the Credit Card Debt Prison
When you find yourself in credit card debt it can feel like a financial prison. Suddenly, you can’t go out to eat, pick up a new shirt, or even go to a movie without worrying about the fact that you are increasing your debt or using cash that could have gone to paying down your credit card balances. Before you can figure out how to get out of credit card debt, you have to understand the reason you are in your current position.

How the Credit Card Reform Act Can Help You Save Money
The Credit Card Accountability Responsibility and Disclosure Act of 2009, or the credit card reform act as it is called in the news, was passed more than a year ago. This is a case of the middle class getting a huge break that most of them won’t even realize but, in the future, it will save them massive amounts of money if they have any credit card debt.

Center for Debt Freedom - Paying off your Credit Card Debt
Swamped in credit card debt with no way out? The center for debt freedom can help. Includes articles, reduction and consolidation resources, and free consultation guides to help, your financial life back on track.

Overcoming Credit Card Debt
If you find yourself living paycheck to paycheck, barely able to make your monthly payments, it's time you get serious about your finances. This article from Bankrate reveals how you can avoid becoming a victim to credit card debt.

Digging Yourself Out of Credit Card Debt
In this article, the Denver Business Journal offers six tips to help pay off your credit card debt.

Should I Pay Off Credit Card Debt Before Starting An Emergency Fund?
Should I Pay Off Credit Card Debt Before Starting An Emergency Fund?

If You Want To Be Financially Successful, Don't Be Seduced By The Debt Culture
Don't be like so many other Americans and borrow money to fund your lifestyle or living needs. Debt, especially credit card debt, can be financial poison.

Should You Pay Off Credit Card Debt or Build an Emergency Fund First?
What do you think? Tell other readers by posting your own opinion about paying off credit card debt versus saving money for emergency funds.

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