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An approach to managing credit card debt

Once a Washington resident has become overwhelmed with debt, it can be very difficult to see the light at the end of the tunnel. There are various ways to tackle excessive credit card debt, but one option is often overlooked. For many people, merely having a more simplified way to tackle monthly bills can make a world of difference.

For most people, bill-paying obligations are spread throughout any given month. That makes it easy to miss payments, or to pay an account late and incur a fee. In order to simplify matters, consumers can contact their creditors and ask that their monthly due date be changed. Some people will opt to have all bills due at the same time each month, making it possible to sit down and handle all of the household bills at once, rather than spaced out throughout the month.

Others prefer to divide bills into two due dates, according to their pay schedules. That allows for easier budgeting, as only half of monthly expenses will need to be paid on each due date. It also accomplished the goal of simplification, as there will only be two times per month that household finances will require attention.

In some cases, Washington residents who take the time to sit down and comb over their finances will find that there is no repayment approach that will make matters manageable. In such cases, alternative means of credit card debt relief should be considered. For some, that will mean filing for personal bankruptcy, which can bring a fresh financial start.

Source: freep.com, "Having trouble juggling your bills? Here are tips for paying them off", Susan Tompor, Jan. 25, 2017

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