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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

How To Get Rid Of Credit Card Debt

With the total Credit card debt in America reaching $1.021 trillion dollars over the summer of 2017, the odds are that you have some credit card debt. In fact, at that number the average individual American household owes somewhere in the neighborhood of $8,377 in credit card debt. With outstanding credit card debt at near apocalyptic levels, we thought it prudent to give some advice on the best ways to get rid of your credit card debt.

Not All Paths Are Equal

You’ve probably heard the same credit card advice delivered in different ways over the past 10 years or so: pay the credit card debt with the highest interest rate first, make extra payments, and pay a little extra each time that you make a credit card payment. The reason you continue to hear the same pieces of advice is because they are timeless and true. In addition to that line of thinking, you truly need to become a credit expert, and continue to educate yourself and your family about the basic principles of finances. In becoming an expert you can study consumer finance experts like Dave Ramsey, read online articles about finances, and subscribe to a finance or business oriented magazine or journal. The more we read, the more we learn.

Some additional steps to getting rid of credit card debt are to build a budget that includes your credit card payment and stick to it religiously. It is okay to spend money on yourself every once in a while, but build that into your budget as well. Additionally, if you have more than one credit card you are trying to pay off, pay the one with the smallest balance first. The sense of accomplishment that comes from paying off one credit card will give you the momentum and confidence to carry out your debt reduction plan. Lastly, keep a close eye on your credit report and credit score and check them on a monthly basis. Not only can you get a free credit report once a year, but you can also see your credit score in real time for free at websites like www.creditkarma.com.

At the end of the day, eliminating credit card debt boils down to financial literacy. In other words, you must become very savvy about credit through education and prudent spending with your credit card. If you have worked to get out of credit card debt, but can’t seem to find a way out, call your Modesto bankruptcy attorney and ask if bankruptcy is a solution for you based on your situation.

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