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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 Management

credit card debt managemenCredit card debt management is a serious issue. It will take many years to go away and even if you get rid of the debt through a bankruptcy filing, it will stay on your credit reports. So, be cautious on how you handle your credit cards. Here are a few pointers to improve your credit card debt management strategies.

Credit card debt management

  • Two fold system

    The first step to debt management of any sort is two-fold. Stop raking up more debt, and start repaying your current debt. You do not want to add to the already large pile of loans. Start making significant dents to your debt by paying it off as fast as possible, as much as possible.
  • Always pay cash

    If you must shop, pay with cash. Use an ATM card or debit card if you do not have cash in hand. Soon you will be able to differentiate what you need from what you want. Stop buying the things you ‘want’ for a few months.
  • Freeze credit

    Put a freeze on your credit. In this time, loan companies cannot offer you a line of advances, and new cards will not be issued unless they can get your reports, and with a freeze, they cannot see your reports. It also does not affect your credit standing in any way.
  • Get low-interest cardsTransfer your remaining balances on credit cards to a company that offers 0% balance transfers. They are easy to repay, and the money will go directly to your principle. Be wary of transfer fees as some companies charge up to 4%.

If you have multiple credit cards and are confused about how to start, start off with the smallest debts first. That way you can reduce the number of debts you have and you will feel like you are making progress. Debt is tricky business. If you are having trouble getting out of debt, contact our Sacramento bankruptcy lawyer office for help. Our knowledge and experience can assist in you making an educated decision about debt relief.

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