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subject: Eliminate Your Credit Card Debt Without Filing Bankruptcy – Debt Relief Tips [print this page]

Eliminate Your Credit Card Debt Without Filing Bankruptcy Debt Relief Tips

During the economic turmoil, many people are struggling hard to eliminate their credit card debts. They always think that it is compulsory for them to file bankruptcy if they have no fund to pay back their debts. In fact, it is not necessary. There are many other ways you can take to overcome the financial issue. Do not consider declaring bankruptcy UNLESS you have tried all the possible solutions below:

To be honest, when you are facing financial hardships, your family members and your relatives are the "best lenders" you should refer to. Getting a friendly loan will always be better than getting a personal loan from financial institutions because there is no interest involved for friendly loan. Most of the time, it is based on trust. If getting friendly loan is not possible, then you have to apply for personal loan from either traditional bank or non-bank lenders, based on your credit rating. If your credit rating is good and you can put up collateral, you will be able to get a personal loan with lower interest.

If you have multiple debts on hand, you can lump them into one single loan. In common, most of the interest rates for credit cards are extremely high. By consolidating all your bills into one single loan with lower interest, you can reduce partial of your cost. Once your application is approved, you are reminded to utilize the loan to pay off all your outstanding balances. Then you can focus on making one monthly repayment. By doing so, you can in fact manage your debt easier.

If you are not qualified for a debt consolidation loan due to certain reasons, you may consider negotiating with your card providers to settle your debt. Write a settlement letter to your creditor to request for debt reduction. Explain to them about the difficulties you are facing and propose a settlement amount which you can afford to pay. You can either request them to reduce your interest rates or reduce partial of your total outstanding balance. Besides, you may also request them to waive your annual fee and late fees. By doing so, you will be able to become debt free easier.

To sum up, you should only file bankruptcy if all the above mentioned solutions are not workable for you. There are many disadvantages of declaring bankruptcy. This financial solution damages your credit and the effect will remain on your file for 10 years.

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