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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

The mentality of having it now and paying for it later appeals to millions of Americans.  This mentality leads many to buy things they can’t afford and cripples them with debt.  The “credit card trap” where people barely make the minimum monthly payments on their credit cards makes life stressful, more expensive, and ultimately, leads to financial failure.  This leaves these individuals vulnerable to unexpected events and stops them from reaching their financial goals.  It is reasonable to ask, “Can I escape credit card debt?” and the answer is: yes.

How Can I Escape Credit Card Debt?

Staying determined and disciplined will be essential to getting out of credit card debt.  There are several things you’ll have to do:

  1. Organize, plan, and track.  Take advantage of a free budgeting app on your phone.  https://mint.intuit.com/ is great for keeping track of credit card debt and helps you track your spending.  Figuring out the problem is half the battle.  These apps also have goal setting features which help to give you vision and direction.
  2. Don’t spend money you don’t have.  If you want to pay off your credit cards, don’t incur new debt.  Use cash or debit cards to make payments.  Identify unnecessary spending and minimize it.  This will take discipline, but the results will show.  If you find that you don’t make enough money to pay off your debts even after cutting out unessential spending, then filing for bankruptcy might help you keep your secured property and could be your best option.
  3. Pay off higher interest rates first.  Mathematically, this one just makes sense.  Interest rates tell you how expensive holding debt is.  If you pay off debts that are more expensive before those that are cheaper, you’ll end up spending less money in the end.
  4. Look into doing a balance transfer.  A balance transfer is a transfer of your old debt to a new card.  Look for promotional offers with low interest rates and no transfer fees.  You can save a lot of money if you do this right.
  5. Keep it up! It can be very easy to slip up.  Stopping spending can be like curbing an addiction.  Remind yourself of your goals and motivate yourself to stay disciplined and focused.  This can be the hardest part of ridding yourself of credit card debt.  Check your payment history every 6 to 12 months to track your progress.
  6. If you’re completely overwhelmed, contact an expert.  Financial coaches and bankruptcy attorneys have years of experience when it comes to getting rid of debt.  And while both are valuable, attorneys can offer legal advice that financial planners cannot.  Most bankruptcy attorneys offer free consultations and are an invaluable resource when tackling debt.  Contact your local Yuba City bankruptcy attorney at (530) 797-4402 for a free consultation to get back on top of your finances.

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