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Now, more than ever, it is time to take control of your credit card debt.  The Federal Reserve reports that overall consumer borrowing in the United States increased by 8.8 percent in November 2017, the most that it has in the past 2 years.  Specifically, credit card debts jumped to 1.02 trillion dollars, which is the highest level on record.


The Federal Reserve is expected to raise interest rates, thereby raising the cost for carrying debt on your credit cards.  The interest portion of your payment alone may become unbearable.


You should decide now whether you can start lowering your credit card debt by setting a plan to have it paid off over the next 12 months.  If you are unable to successfully make such a plan, you should consider filing bankruptcy to discharge, or wipe out, the credit card debt as long as you qualify to file.  You have 2 options under bankruptcy – Chapter 7 or Chapter 13. I’d be happy to discuss both options with you to help you decide which may work better in your individual situation.


Whatever you do, you need to focus on getting out of debt one way or another.  Don’t let these debts skyrocket over the next few years. Make a plan now and stick to it.  If not, you’ll be on a sinking ship of debt without a life vest.


Please give me a call at 281-847-4345.  I’ll be happy to sit down with you for a free, no obligation consultation to evaluate your situation and inform you of your different options on bankruptcy and rebuilding your credit.  You can also send me an email at I look forward to hearing from you soon.

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