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  • Spectacular!

    I liked your fast, friendly service. You were all knowledgeable in the area of bankruptcy. Your treatment of me as a client was spectacular! You were great at promptly responding to my questions and concerns. I loved that you provided courteous and quick responses to all my questions.
    --Donna
  • Highly Recommended!

    I have worked with Seth and he is the utmost professional in how he works with his clients. If you need an attorney you can trust I would highly recommend the Law Office of Seth Hanson.
    --David
  • Very Professional.

    Everyone was very professional and efficient. Seth, and everyone that I had contact with were very knowledgeable. I was very pleased with how we were treated by his staff. My questions were always answered promptly. I was very pleased with the service I received and would not hesitate to refer someone to your firm.
    --Anonymous
  • Non-judgmental.

    You were very open and answered all of my questions. You never made me feel like I was asking a dumb question. I was comfortable with your knowledge of the law. It was hard for me to make this decision to move forward in my life. Everyone was friendly to me and respectful. Non-judgmental. Every question I asked was answered promptly and appropriately. I would recommend you.
    --Anonymous
  • More Than Expected!

    I found the firm's representation to be more than what I expected. I was always kept in the loop, all my questions were answered (whether or not I asked more than once the same question), and I felt completely supported by the firm staff when going through this (at times) scary ordeal. Thank you again.
    --Joanna
  • Very Impressed!

    I liked that you had very friendly, caring staff. You were all very knowledgeable. Your treatment towards me was excellent and you quickly responded to all my concerns. If a friend asked of your overall impression, I would say that we were very impressed and we would recommend you to them.
    --Danielle

Credit Card Debt Pitfalls

credit card debt pitfallsCredit card debt pitfalls are easy to get into, even for those with relative experience in using and handling them. People who are reasonably responsible with their money often end up overspending on their cards. Here are a few reasons as to why credit card debt pitfalls may happen and a few pointers on avoiding them.

Credit card debt pitfalls

 

  • The hype

    There is a constant hype around credit cards. Free money is not a thing and you are not getting any free money when you apply for a credit card. If you are able to spend money that you don’t have at present, it is going to cost you a lot more in the future.
  • The fine print

    You must have heard the popular adage, ‘The devil is in the details’. It cannot be truer than with credit cards. The fine print has a number of details that you might not have read or simply glossed over. Make sure there are no hidden charges and you know exactly what you are getting into.
  • Minimum payments

    Most people fall into debt with cards because they make only minimum payments. The thing is that while you are actually OK from the point of view of the card company, your debt will get worse and worse. For a $1,200 debt on 18% and you pay $42 minimum, you end up paying $713.89 extra at the end of the debt just on interest, 89 months later. Never stick to minimum payments.
  • Cash advances

    Avoid cash advances on your credit card as much as possible.

While it all seems a bit negative, you need to know that credit cards are a great tool for money management. They are really helpful and get you out of trouble in a pinch. Just be careful with how you use them. If you are struggling to repay your debts or are drowning in bills, contact a bankruptcy lawyer in Sacramentofor help. We can discuss your options and find a solution that works for you.

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