My Credit Card Debt is Too High, So What Can I Do?


When checking your monthly credit card statements, you may have a jaw-dropping realization that your spending has gotten out of control and wonder how your balances have become so high.

Whether you’ve only been paying the minimum monthly payments or just relying on your credit cards too much, getting a handle on your debt is vital for a healthy financial future.

Learning that your credit card debt is high can be pretty overwhelming. Here are some tips to help you bring your balances down.

Pay attention to interest rates

Interest rates can be a big culprit in high credit card balances. It might seem like it won’t be a problem paying off the items you charge when the bill comes in; however, when the interest rate is tacked on, coming up with the extra money to pay off the balance can be difficult if it doesn’t fit within your budget.

Contact your credit card companies and inquire about a lower interest rate. There’s a good chance that they may be able to help you, but you won’t know unless you ask. If you are courteous, can prove that you have been a loyal customer, and can show that you make your payments on time every month, credit card companies may be willing to work with you and lower your rate. One phone call could help you save a significant amount of money, which you can use to pay down your debt.

Consider a Debt Relief Program

If you have multiple credit cards, a debt relief program could be an effective way to lower your balances. Tayne Law Group’s credit card debt relief service can help you overcome the burden of credit card debt and get back to the things that matter. With our simple and affordable program, all you need to do is make one low monthly payment instead of having multiple payments. Our dedicated and talented team of debt attorneys and settlement coordinators will handle the rest!

It’s a lot easier to manage one bill as opposed to several, so don’t get too behind on your bills. Contact our firm today to see how we can better assist you.

Control Your Spending

It’s tempting to swipe a credit card when you want or need something but don’t have the cash available. However, this is not a habit you want to be accustomed to. The leading cause of high credit card debt is charging more than you can afford to pay.

Make sure you keep tabs on your spending and know when you shouldn’t use your credit card. You shouldn’t use a credit card to pay off other debt, to get out of a financial emergency or when you can’t afford to pay off the balance in full. Doing so could end up putting you in financial dire straits.

If your credit card debt has gotten out of control, Tayne Law Group, P.C. can help. Our debt relief law firm has helped countless people gain control of their spending and debt. If your finances are unmanageable, contact us for a free phone consultation so we can get started on a plan of action to help you gain control of your debt.

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What People Have to Say

I just wanted to thank your entire staff at The Law Offices of Leslie H. Tayne, for helping me get out of debt. If it wasn’t for your firm, I would have never been able to resolve my $13k worth of debt in less than 3 years. Your staff did a great job, I was finally able to buy myself a brand new car without using a cosigner. I can’t tell you again how happy I am. I would recommend your services to anyone.

L.C. Client 2007-2009

I sleep like a baby at night now because of the work that you and your office have done. Rest assured that I will refer anyone I know to your office with conditions that are similarly circumstanced.

R.S. Client 2012-2014

You have been very helpful at first directing me in the right direction when I had no clue how to go about handling everything, I really appreciated all your advice and help and hope we can work something out. Thanks again for all your help and kind words, and patience.

D.M. Client 2009-2012

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