Credit card debt isn't something that you should carry from one month to the next. Instead, you should try to pay the balance off every month. While it is understandable that this isn't always possible, it is a good goal to have. Of course, there is a chance that something will happen that could prevent you from being able to pay off these bills as you have in the past.
For some people, things like medical bills or layoffs get in the way of them being able to keep their perfect payment history. This is emotionally devastating and can make your finances a wreck. The recent government shutdown might have led to impacted workers facing this type of prospect.
We know that most people are responsible with their money. If you are in over your head with credit card debt, you need to explore your options. This might mean that you need to explore the options that you have to address the problem.
There are a few that you might consider. One of these is that you can contact the individual creditors to see if they will work something out with you. Another option is for you to try to get a loan to consolidate your credit card bills. Finally, you can file for bankruptcy. No matter which of these you choose, make sure that you are making decisions that are in your best interest.
We know that being in financial straits can be disheartening. We can help you work through the bankruptcy process if you decide this is the best way to reclaim your finances.