There are many upsides to having a credit card – it can help you pay for essentials when you are struggling financially and help you build credit over time. Many people are unaware of the potential pitfalls of using a credit card and before long, find themselves in high levels of debt and are unsure of how they got there. If you are struggling with high levels of credit card debt, you may feel like you are drowning in it and that there is no way out. However, this is not the case – a compassionate and experienced debt attorney can help you manage your credit card debt.


There are many different factors that can lead to high levels of debt and creditors harassing you. Each situation is different, but here are some of the most common credit card issues.

  • Consistently late payments: Even if you are meeting your minimum payment requirements, consistently late payments can cause you to incur late payment fees and higher interest rates, which increases your overall level of debt over time, as well as causing your creditors to harass you.
  • High fees and interest rates: Many people don’t take the time to educate themselves on their card’s interest rate and fees when they sign up, which can lead to some unpleasant surprises when faced with their bill. This is an especially common problem with store or brand credit cards. High interest rates can lead to you paying much larger amounts over time.
  • Overuse of cards: If you tend to swipe your card without thinking, before long you will realize that you’ve met or exceeded the spending limit on your account. This can have a very negative effect on your credit score, especially if you also tend to make your payments late.

There are many steps you can take to reduce or eliminate your credit card debt. First, make sure that you make all of your payments on time, and try to avoid using your credit as you are paying down the debt. However, if you have multiple credit cards with high levels of debt, or your creditors are harassing you, you may need to bring in David to help you.


The first thing to do with high levels of credit card debt is to consolidate it onto one card. There are many transfer credit cards that have no interest rates while you pay down your debt (although there are pros and cons to using them). Getting all of your debt in one place is the first step to paying it off and avoiding higher interest rates and fees. David can help you with this process.


If you still find that you cannot make your payments after consolidating your debt, it is time to take the next step – negotiating with your creditors. You may be able to get them to settle for a smaller sum than what you owe. Having a debt attorney by your side is essential for this process – their knowledge and experience can help you get the best deal.

If you are struggling with credit card problems, call David Soble today to see how you can consolidate or negotiate your debt.

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