Credit Card Debt Contenthttp://www.creditcarddebt.orgCredit Card Debt Articlesen-usCopyright 2017 http://www.creditcarddebt.orgSat, 18 Nov 2017 12:51:18 ESTTips for Cutting Your Tax Billhttp://www.creditcarddebt.org/tips-cutting-your-tax-bill.htmlTips for Cutting Your Tax BillGetting tips for cutting your tax bill before you file a tax payment extension can be as simple as finding out what applies to your family. For example, these amounts change from year to year as they decide what financial benefits will be given for your children, your household size, and the current bills you have in place. When you have deciphered this information, you will be more equipped to name all the deductions right away. You'll also find that there may be an additional category of benefits you can consider to keep money in your pocket. Doing this with... <a href="http://www.creditcarddebt.org/tips-cutting-your-tax-bill.html">Read the full article</a>Fri, 27 Apr 2012 00:00:00 ESThttp://www.creditcarddebt.org/tips-cutting-your-tax-bill.htmlSurviving a Tax Audit http://www.creditcarddebt.org/surviving-tax-audit.htmlSurviving a Tax AuditSurviving a tax audit is much easier when you try to get organized from the very beginning of the year. By following organization procedures, you organize your receipts and keep track of your purchases on a regular basis. Whatever method you choose to do this, whether this is with traditional ledgers or finance, you also need to put together regular reports. Then, you can see how much of your income is going towards a particular category and consider whether that is really appropriate.As you turn in your tax documents, you'll get reviews from the agencies that speak to... <a href="http://www.creditcarddebt.org/surviving-tax-audit.html">Read the full article</a>Thu, 26 Apr 2012 00:00:00 ESThttp://www.creditcarddebt.org/surviving-tax-audit.htmlGetting a Tax Extensionhttp://www.creditcarddebt.org/getting-tax-extension.htmlGetting a Tax ExtensionGetting a tax extension isn't as dreaded as getting tax audited and will give you a little more time to get your documents and paperwork figured out to file with the IRS. If you owe, you still need to pay a deposit, but you can work out a payment plan for the rest. This will also give you time to figure out finances to pay a rather large bill. With a plan like this, it is not going to be such a drastic pull on your finances. This is why they offer this as an option for you and your family so you don't have to use all the credit available on your credit cards, etc. The... <a href="http://www.creditcarddebt.org/getting-tax-extension.html">Read the full article</a>Thu, 26 Apr 2012 00:00:00 ESThttp://www.creditcarddebt.org/getting-tax-extension.htmlTax Tips for Individual Investors http://www.creditcarddebt.org/tax-tips-individual-investors.htmlTax Tips for Individual InvestorsLearning about tax tips for individual investors is an effort that will make sure you get the most financial benefit from your investments. Understanding dividends is important because it has to do with capital gains and what rates actually apply to those accounts. This may change based on your income or job salary level overall and what the main corporation offers you in terms of certain features. As you determine this, you can also figure in how much of your checks you want to invest on a regular basis. This is something that is going to make a huge... <a href="http://www.creditcarddebt.org/tax-tips-individual-investors.html">Read the full article</a>Wed, 25 Apr 2012 00:00:00 ESThttp://www.creditcarddebt.org/tax-tips-individual-investors.htmlCorrecting an Inaccurate Tax Return http://www.creditcarddebt.org/correcting-inaccurate-tax-return.htmlCorrecting an Inaccurate Tax ReturnCorrecting an inaccurate tax return is important so you don't end up getting flagged for an audit later on. This could be important so you don't waste time correcting figures that were mistakenly submitted in the first place. As soon as you notice that you need to make a correction, you can first contact your tax agency for individualized tax tips. Then, they will let you know what documents need to be filed and how to go about the entire procedure. Once you have this data, then you can either download the forms or obtain them from a local library or tax... <a href="http://www.creditcarddebt.org/correcting-inaccurate-tax-return.html">Read the full article</a>Wed, 25 Apr 2012 00:00:00 ESThttp://www.creditcarddebt.org/correcting-inaccurate-tax-return.htmlChanging Jobs to Make a Higher Salaryhttp://www.creditcarddebt.org/changing-jobs-for-higher-salary.htmlChanging Jobs to Make a Higher SalaryIf you're considering changing jobs to avoid small business tax payments or make a higher salary, then you may want to have a financial plan in place first. That's because many times people are able to increase their income, but they also increase their expenses at the same time. If you're making this effort, then you want to do so with the goal of paying down your debt and getting out from under a lot of your financial obligations. If you're able to work the same amount of hours and earn more at the same time, then you don't want to dig yourself into a... <a href="http://www.creditcarddebt.org/changing-jobs-for-higher-salary.html">Read the full article</a>Tue, 24 Apr 2012 00:00:00 ESThttp://www.creditcarddebt.org/changing-jobs-for-higher-salary.htmlMaking the Decision to Quit Your Job http://www.creditcarddebt.org/deciding-to-quit-your-job.htmlMaking the Decision to Quit Your JobMaking the decision to quit your job is one you need to do carefully because there should be a backup plan in place. If you will not make a higher salary income, what are you going to do if you are unable to make your bills any particular month? How will you make ends meet and continue to move forward with your other obligations at the same time? As long as you are going to do this, then you should be aware of what the worst case scenario will look like at any one point. Only then can you make an educated choice on what you should do at that time.Managing... <a href="http://www.creditcarddebt.org/deciding-to-quit-your-job.html">Read the full article</a>Tue, 24 Apr 2012 00:00:00 ESThttp://www.creditcarddebt.org/deciding-to-quit-your-job.htmlSmall Business Tax Obligationshttp://www.creditcarddebt.org/small-business-tax-obligations.htmlSmall Business Tax ObligationsIf you are starting a small business you should know that there are many expenses and taxes that you will be obliged to pay, much like the expenses for a household for example. The United States government levies four main taxes on business. These are excise taxes, self-employment taxes, income taxes, and taxes for the employers. The more money you make the greater you will obviously be taxed. The size of your business and the number of people that you employ will also effect your small business tax obligations. Whether you are the sole proprietor of a business... <a href="http://www.creditcarddebt.org/small-business-tax-obligations.html">Read the full article</a>Mon, 23 Apr 2012 00:00:00 ESThttp://www.creditcarddebt.org/small-business-tax-obligations.htmlTax Credits for Foreign Investmentshttp://www.creditcarddebt.org/tax-credits-for-foreign-investments.htmlTax Credits For Foreign InvestmentsMany people are discouraged from making foreign investments because they are worried about being dually taxed. If you make an income from a foreign investment you will be taxed by that country and by the Internal Revenue Service. This is one reason why many people are afraid to invest in foreign markets. But, if you claim this income on your yearly tax returns or small business taxes you can be reimbursed for some or sometimes all of the taxes that you were charged by the foreign country in which you made the initial investment. The Internal Revenue Service... <a href="http://www.creditcarddebt.org/tax-credits-for-foreign-investments.html">Read the full article</a>Mon, 23 Apr 2012 00:00:00 ESThttp://www.creditcarddebt.org/tax-credits-for-foreign-investments.htmlCutting Back on Household Costs http://www.creditcarddebt.org/cutting-back-on-household-costs.htmlCutting Back on Household CostsIf you're not in a great financial situation, then you may be looking for ways where you can save money and get your finances in order. If you want to avoid getting in debt, then you may wish to spend some time looking for debt management ideas on how to save money each month and lower your expenses. One of the areas in which you may be looking to cut corners is household expenses. With a little thought and planning, you can cut your costs and save more money.Most families don't think that they can really save money on household costs because it takes a lot of... <a href="http://www.creditcarddebt.org/cutting-back-on-household-costs.html">Read the full article</a>Sun, 22 Apr 2012 00:00:00 ESThttp://www.creditcarddebt.org/cutting-back-on-household-costs.htmlWays to Change Your Spending Habits http://www.creditcarddebt.org/changing-your-spending-habits.htmlWays to Change Your Spending HabitsIf you're like most people out there, you're probably set in your ways when it comes to spending. There may be certain things that you enjoy spending your money on, or you may simply just have some bad habits that you are not aware of. If you are not careful about how you spend money, then you can end up with a debt problem. If this is something that you would like to avoid or something that you would like to remedy, then you should consider how you can change your spending habits on household items.Unhealthy spending habits can get you in a lot of trouble.... <a href="http://www.creditcarddebt.org/changing-your-spending-habits.html">Read the full article</a>Sun, 22 Apr 2012 00:00:00 ESThttp://www.creditcarddebt.org/changing-your-spending-habits.htmlBuilding a Simple Debt Management Plan - http://www.creditcarddebt.org/building-simple-debt-management-plans.htmlBuilding a Simple Debt Management PlanBuilding a simple debt management plan requires more than just hoping you can pay your bills each month. You really need to sit down and take a close look at the kind of expenses you have. If your income is steady, then this should give you a regular figure to work with. However, if it changes and you know when it's going to increase and decrease, you can plan a bill-paying strategy around this. The key part is to find out what is a priority and what can hold off a bit longer.Once these decisions are made, then you'll be able to focus on those high... <a href="http://www.creditcarddebt.org/building-simple-debt-management-plans.html">Read the full article</a>Sat, 21 Apr 2012 00:00:00 ESThttp://www.creditcarddebt.org/building-simple-debt-management-plans.htmlRevamping Your Investment Portfolio http://www.creditcarddebt.org/revamping-your-investment-portfolio.htmlRevamping Your Investment PortfolioAn investment portfolio is something that can help you make a lot of money for your future. Many people develop these portfolios, so that they will have funds to draw on when it comes time for retirement. If you have put together such a portfolio, you're going to want to make sure that it is as profitable as possible, so that you have enough money to have a comfortable retirement and not have to worry about planning for debt management. In order to do this, you're going to have to clean it up and change it every once and a while.While you might think that... <a href="http://www.creditcarddebt.org/revamping-your-investment-portfolio.html">Read the full article</a>Sat, 21 Apr 2012 00:00:00 ESThttp://www.creditcarddebt.org/revamping-your-investment-portfolio.htmlHow a Roth Ira Can Benefit You http://www.creditcarddebt.org/personal-benefits-of-roth-iras.htmlHow a Roth IRA Can Benefit YouLearning how a Roth IRA can benefit you is clearly one of the first steps you should take before you eliminate some personal expenses to invest in one. Without this kind of advice, you won't understand how it should be deposited into and how to ask about matching programs from your current employer if they apply. However, this situation is easier to remedy because of the educational sources that are available to you. Understanding some common benefits, no matter what your current situation is, will get you started in the right direction.Usually, one of the most... <a href="http://www.creditcarddebt.org/personal-benefits-of-roth-iras.html">Read the full article</a>Fri, 20 Apr 2012 00:00:00 ESThttp://www.creditcarddebt.org/personal-benefits-of-roth-iras.htmlTips for Preparing Your Taxes http://www.creditcarddebt.org/tips-for-preparing-your-taxes.htmlTips for Preparing Your TaxesLearning tips for preparing your taxes will come in handy from the first of the year. When you start planning ahead like this, then you'll be more organized throughout the year and you'll save yourself a lot of research work at the end of the year. Some of the best ways to do this are to keep track of large and small purchases alike, and keep receipts for anything that is significant, such as Roth IRA contributions. The method you choose to do this, as long as there is a backup system. Most of the time, people are using software to do this, but it's also a good... <a href="http://www.creditcarddebt.org/tips-for-preparing-your-taxes.html">Read the full article</a>Fri, 20 Apr 2012 00:00:00 ESThttp://www.creditcarddebt.org/tips-for-preparing-your-taxes.htmlHow to Plan Work Parties - http://www.creditcarddebt.org/ideas-for-planning-work-parties.htmlHow to Plan Work PartiesLearning how to plan work parties which can boost employee and company morale is an art because there are so many different needs and personalities that you need to consider. If you can do this successfully, then you are going to become a valued part of the executive team. Clearly, there is going to be a budget for each of these events and that will help you begin to make some major choices, such as a venue and time. Each place and part of the day that various parties are held helps to determine their cost because of the demand at that moment. Find out how many people... <a href="http://www.creditcarddebt.org/ideas-for-planning-work-parties.html">Read the full article</a>Thu, 19 Apr 2012 00:00:00 ESThttp://www.creditcarddebt.org/ideas-for-planning-work-parties.htmlSaving Money By Cutting Back Personal Expenses - http://www.creditcarddebt.org/cutting-back-on-personal-expenses.htmlSaving Money By Cutting Back Personal ExpensesSaving money by cutting back personal expenses such as paying for and planning company parties for example, may sound like an obvious gesture when you are trying to save money. However, knowing the best way to do this is what slows many people down. If they had some direction to go in terms of saving money or not purchasing certain items, they would find their efforts would be much more productive. If you are in this position and you want to start getting rid of debt, then it's time to take a close look at everything that you're spending money... <a href="http://www.creditcarddebt.org/cutting-back-on-personal-expenses.html">Read the full article</a>Thu, 19 Apr 2012 00:00:00 ESThttp://www.creditcarddebt.org/cutting-back-on-personal-expenses.htmlFinding the Best Employee Training Programshttp://www.creditcarddebt.org/finding-good-employee-training-programs.htmlFinding the Best Employee Training ProgramsFinding the best employee training programs is an effort and a purchase that you don't want to skimp on to avoid having employees wanting to change careers. This is the future of your company and the assurance that all the original capital you have invested has not been wasted. If you don't put time and money into your team, then they are not going to have the tools and instruction to return any profit back to you. However, you can very simply evaluate some of these programs by checking with other entrepreneurs in your field to see what they have... <a href="http://www.creditcarddebt.org/finding-good-employee-training-programs.html">Read the full article</a>Wed, 18 Apr 2012 00:00:00 ESThttp://www.creditcarddebt.org/finding-good-employee-training-programs.htmlHow to Improve Company Moralehttp://www.creditcarddebt.org/ways-to-improve-company-morale.htmlHow to Improve Company MoraleLearning how to improve company morale is an effort that will not just benefit you immediately but also in the long term. When you offer things such as programs for employee training to create a positive environment and atmosphere around your establishment, then it's not just productivity that increases. Instead, you'll start to see a higher level of customer service, a willingness to share ideas that would benefit the business and happier employees who feel more secure in their jobs. As all of these factors come together, the small investment you have made into... <a href="http://www.creditcarddebt.org/ways-to-improve-company-morale.html">Read the full article</a>Wed, 18 Apr 2012 00:00:00 ESThttp://www.creditcarddebt.org/ways-to-improve-company-morale.htmlTeam Building Exercises at Work http://www.creditcarddebt.org/team-building-exercises-at-work.htmlTeam Building Exercises at WorkThere are many team building exercises that you can introduce to your workplace in order to help employees work together. Most team building exercises are very simple and cheap to play. Whether you handle debt as a qualified debt collector or are employed at a retail distribution center, these exercises are very fun and your employees will enjoy participating in these games. But, more importantly team building exercises at work can help employees to make a bond far beyond the workplace. Many employees see their coworkers as simply coworkers and nothing more. But... <a href="http://www.creditcarddebt.org/team-building-exercises-at-work.html">Read the full article</a>Tue, 17 Apr 2012 00:00:00 ESThttp://www.creditcarddebt.org/team-building-exercises-at-work.htmlHow to Change Your Career http://www.creditcarddebt.org/ways-to-change-your-career.htmlHow To Change Your CareerMany people reach a point in their lives when they realize it is time to change their career. It is really never too late to change your career. If you need to be making more money to support your family, and your current job does not pay you enough your may want to consider changing your profession. Or, if you are bored by your profession and want to pursue your dream career, you should take the initiative because it is never too late. Many people who find themselves in debt and at a dead end job are changing their career and life path. Before you do this you need to... <a href="http://www.creditcarddebt.org/ways-to-change-your-career.html">Read the full article</a>Tue, 17 Apr 2012 00:00:00 ESThttp://www.creditcarddebt.org/ways-to-change-your-career.htmlDiscussing Your Debts with Debt Collectors http://www.creditcarddebt.org/discussing-debts-with-debt-collectors.htmlDiscussing Your Debts with Debt CollectorsWhen you have a lot of debt in your life, you may have to speak with a debt collector from time to time. If you can get debt under control, then the chances of you having to speak to a debt collector will be significantly decreased. You need to be prepared to speak with these collectors when the occasion arises, so that you can figure out what's best for your future and get your financial situation back on track. If you avoid talking to them, you may never be able to get things under control.A lot of times, people are afraid to discuss their debts... <a href="http://www.creditcarddebt.org/discussing-debts-with-debt-collectors.html">Read the full article</a>Mon, 16 Apr 2012 00:00:00 ESThttp://www.creditcarddebt.org/discussing-debts-with-debt-collectors.htmlTips for Organizing Your Office http://www.creditcarddebt.org/tips-for-organizing-your-office.htmlTips For Organizing Your OfficeThere are many ways to make your office space organized. Whether you are an experienced debt collector or a professional insurance broker, if you have an organized office you will be able to be more effective, efficient, and productive at your workplace. Clutter around your work desk can slow down your productivity and distract your from tasks. If you are under-performing, and you have a very messy and unorganized workplace, then your job performance may be lagging. Also, if you have a dirty work environment, you should be reluctant to let customers or coworkers... <a href="http://www.creditcarddebt.org/tips-for-organizing-your-office.html">Read the full article</a>Mon, 16 Apr 2012 00:00:00 ESThttp://www.creditcarddebt.org/tips-for-organizing-your-office.htmlDebt Relief Solutions That Workhttp://www.creditcarddebt.org/debt-relief-solutions-that-work.htmlDebt Relief Solutions That WorkWhen you are struggling with debt, it can be really difficult on you and your family to build a future nest egg. If you don't want to cause yourself or your loved ones any distress, then you need to find a way to deal with your debt that will make it go away as soon as possible. Hanging on to a lot of debt will just make your life more difficult, so it's something that you need to address quickly and efficiently. In order to relieve your debt, you're going to need to make a commitment to changing your habits.While there are a lot of reasons to give up and... <a href="http://www.creditcarddebt.org/debt-relief-solutions-that-work.html">Read the full article</a>Sun, 15 Apr 2012 00:00:00 ESThttp://www.creditcarddebt.org/debt-relief-solutions-that-work.htmlTips for Evaluating Your Debthttp://www.creditcarddebt.org/tips-for-evaluating-your-debt.htmlTips for Evaluating Your DebtWhen you're struggling with debt, it's important for you to know just how bad things are. Having a general idea of what your debts are is not going to be enough when you need to get out of debt. Instead, you're going to need to get a clear picture of what's going on, so that you can take the best course of action and go about fixing it. Figuring out what to do about your debt is something that could take a little time, so be prepared to spend the time that you need.A lot of people try to go about eliminating their debt without really looking into what causes it.... <a href="http://www.creditcarddebt.org/tips-for-evaluating-your-debt.html">Read the full article</a>Sun, 15 Apr 2012 00:00:00 ESThttp://www.creditcarddebt.org/tips-for-evaluating-your-debt.htmlBuilding a Nest Egg for Your Future http://www.creditcarddebt.org/building-nest-egg-your-future.htmlBuilding a Nest Egg for Your FutureOne of the best things you can do for your family is to make sure that your financial future is intact. Oftentimes, many people have a hard time telling themselves no to things that they want, so they are never able to really set aside anything that will be used later in life. You do not have to be this way. The first step to getting your future in order is to know that you need to do it. Once that is done, you will be able to start making better decision for yourself because you will be looking toward what you will want later rather than right now. Then... <a href="http://www.creditcarddebt.org/building-nest-egg-your-future.html">Read the full article</a>Sat, 14 Apr 2012 00:00:00 ESThttp://www.creditcarddebt.org/building-nest-egg-your-future.htmlRenting vs Buying http://www.creditcarddebt.org/renting-buying.htmlRenting vs BuyingMany times when someone is renting the place that they are living, they start looking into what differences they could expect if they were to buy their own place. There are a lot of pros and cons that you could look that would help you figure out whether it would be more advantageous for you to rent or buy. Since buying a home is not something that you should take lightly, you need to make sure that you have done adequate research on what benefits you would get from either one of these options. With this extra education, you will be able to see which option is going to fit... <a href="http://www.creditcarddebt.org/renting-buying.html">Read the full article</a>Sat, 14 Apr 2012 00:00:00 ESThttp://www.creditcarddebt.org/renting-buying.htmlQualifying for Debt Relief Help http://www.creditcarddebt.org/qualifying-for-debt-relief-help.htmlQualifying for Debt Relief HelpWhen you have debt problems to deal with, it can make every aspect of your life stressful. If you want to get out of debt and be in control of your finances once more, then you may need to seek some help in the form of debt consolidation seminars. Getting out of debt is never easy for anyone, and sometimes it takes a little bit of guidance from a professional or a team of professionals to work through the issues and come up with a solution that will really work for your situation. One of the options that you have for dealing with debt is seeking some debt relief... <a href="http://www.creditcarddebt.org/qualifying-for-debt-relief-help.html">Read the full article</a>Fri, 13 Apr 2012 00:00:00 ESThttp://www.creditcarddebt.org/qualifying-for-debt-relief-help.htmlHow to Get Debt Free Quickly http://www.creditcarddebt.org/getting-debt-free-quickly.htmlHow to Get Debt Free QuicklyStruggling with debt is something that no one wants to go through. However, it's something that plagues a lot of different people. If you have a debt problem that you are dealing with, then you should do what you can to resolve this issue as quickly as possible. The faster that you solve your debt problems, the more financial freedom that you are going to have in the future. Getting rid of debt will really make your life a lot easier, and you'll have more options.If you want to make your debt a thing of the past, then you're going to need to make some commitments... <a href="http://www.creditcarddebt.org/getting-debt-free-quickly.html">Read the full article</a>Fri, 13 Apr 2012 00:00:00 ESThttp://www.creditcarddebt.org/getting-debt-free-quickly.htmlAttending a Debt Consolidation Workshophttp://www.creditcarddebt.org/attending-a-debt-consolidation-workshop.htmlAttending a Debt Consolidation WorkshopAttending a debt consolidation workshop can open your eyes to a lot of helpful resources you may not have been aware of before. Even if there is a charge involved for tickets, you can certainly recover this amount when you start to dig yourself out of a financial hole. Most of the time, these ticket costs are not prohibitive anyway, but for someone who is scraping by, they may wonder if it's really worth the money. Look at it from this point: you've been using your own advice up to this point and where are you financially? Are you secure and confident... <a href="http://www.creditcarddebt.org/attending-a-debt-consolidation-workshop.html">Read the full article</a>Thu, 12 Apr 2012 00:00:00 ESThttp://www.creditcarddebt.org/attending-a-debt-consolidation-workshop.htmlNevada Credit Card Debt http://www.creditcarddebt.org/nevada.htmlNevada Credit Card Debt Nevada is famous for its spectacular nightlife, its sinful cities Las Vegas and Reno, its desert landscape and the large number of silver deposits once mined there. Although cities like Las Vegas and Carson City still get their share of tourists trying their luck at the casinos or watching one of the thousands of entertaining live shows, Nevadans have seen their fair share of disappointments in regards to the economy during this recession. Although is considered "the Silver State," Nevadans know that, despite their cute nickname, the economic recession has brought... <a href="http://www.creditcarddebt.org/nevada.html">Read the full article</a>Thu, 01 Oct 2009 00:00:00 ESThttp://www.creditcarddebt.org/nevada.htmlPennsylvania Credit Card Debt - Debt Reduction in PAhttp://www.creditcarddebt.org/pennsylvania.htmlPennsylvania Credit Card Debt Today it is incredibly easy to be swimming in credit card debt. Any of us could easily find ourselves faced with this overwhelming burden. In these times, many individuals suffer from financial jeopardy. Americans continue to lose their jobs. Even a minor illness can wreak havoc on an individual's checkbook. Today, providing what we need for ourselves and our families has become incredibly difficult. With creditors constantly calling and threatening notices received in the mail, debt-ridden consumers find themselves overwhelmed. What should you do? Several... <a href="http://www.creditcarddebt.org/pennsylvania.html">Read the full article</a>Thu, 01 Oct 2009 00:00:00 ESThttp://www.creditcarddebt.org/pennsylvania.htmlNew Hampshire Credit Card Debt - Debt Reduction in NHhttp://www.creditcarddebt.org/new-hampshire.htmlNew Hampshire Credit Card Debt It's no secret that credit card debt - along with bankruptcies and foreclosures - is at one of its highest levels ever and most Americans have been affected by the recession in one way or another. As of July 2008, credit card debt in the United States was about $960 billion, and the average American carries a balance on their cards of around $9,000. The New England states have some of the highest amounts of credit card debt in the country, particularly New Hampshire, which ranks 2nd highest (after Alaska) out of the 50 states when it comes to the total amount of... <a href="http://www.creditcarddebt.org/new-hampshire.html">Read the full article</a>Thu, 01 Oct 2009 00:00:00 ESThttp://www.creditcarddebt.org/new-hampshire.htmlWest Virginia Credit Card Debthttp://www.creditcarddebt.org/west-virginia.htmlWest Virginia Credit Card Debt According to the 2009 Nielson Report, the average individual in West Virginia is over $10,000 in debt, and much of that debt comes from credit cards. This is not surprising as 78% of American households have credit cards that they use on a regular basis. The use, and over use of credit cards, combined with high interest rates, and low monthly payments has made credit card debt one of the leading forms of debts in the US today. At the end of 2008, Americans' credit card debt reached $972.73 billion. So what does this mean for the residents of West Virginia who... <a href="http://www.creditcarddebt.org/west-virginia.html">Read the full article</a>Wed, 30 Sep 2009 00:00:00 ESThttp://www.creditcarddebt.org/west-virginia.htmlMissouri Credit Card Debthttp://www.creditcarddebt.org/missouri.htmlMissouri's Credit Card Debt Report Missouri is currently the 18th most populated state in America and home to sports teams like the St. Louis Blues, the St. Louis Rams, the St. Louis Cardinals, the Kansas City Chiefs and the Kansas City Royals. Apart from an obvious love of sports, Missouri and Missourians are also known for having a vibrant history, a rich geography and a diverse economy. As an active and competitive state in several successful industries including aerospace, transportation equipment, food processing, publishing, beer, agriculture, dairy, beef, wine, lead, coal, limestone,... <a href="http://www.creditcarddebt.org/missouri.html">Read the full article</a>Tue, 29 Sep 2009 00:00:00 ESThttp://www.creditcarddebt.org/missouri.htmlMississippi Credit Card Debthttp://www.creditcarddebt.org/mississippi.htmlMississippi Credit Card Debt As one of the southernmost states in America, Mississippi is filled with hot days, long nights and plenty to do in between. Cities like Jackson, Gulfport and Tupelo keep the entertainment scene alive while the natural and cultural wonders live deep within the dense forests and historical tales. MS is one of the most significant states in regards to music with roots in blues, jazz and rock and roll. Notable entertainers like Oprah Winfrey, Elvis Presley Morgan Freeman, William Faulkner and B.B. King once called Mississippi home. Although this southern state is... <a href="http://www.creditcarddebt.org/mississippi.html">Read the full article</a>Sun, 27 Sep 2009 00:00:00 ESThttp://www.creditcarddebt.org/mississippi.htmlNebraska Credit Card Debthttp://www.creditcarddebt.org/nebraska.htmlNebraska Credit Card Debt Over 40% of Americans spend more money than they actually earn; although this number may seem shocking, it is a lot easier to understand when we look at the state of the current economy in detail. Let's take the state of Nebraska. With larger cities like Omaha and Lincoln, as well as hundreds of smaller rural communities, NE represents a wide spectrum of Americans. Furthermore, NE, like all other states, has been at least somewhat affected by the current economic recession. In fact, like the rest of America, Nebraskans have suffered job losses, employment decreases,... <a href="http://www.creditcarddebt.org/nebraska.html">Read the full article</a>Sun, 27 Sep 2009 00:00:00 ESThttp://www.creditcarddebt.org/nebraska.htmlMontana Credit Card Debthttp://www.creditcarddebt.org/montana.htmlMontana Credit Card Debt Home to Yellowstone National Park, Glacier National Park and 77 of the mountain ranges in the Rocky Mountains, Montana definitely lives up to its epithet as the "Land of Shining Mountains." Furthermore, with its beautiful ski resorts such as Big Sky, popular cities including Billings and Helena, and historical background, including the participation in American Civil War, MT attracts both locals and tourists alike. Although, like others, Montanans have certainly felt the economic pinch caused by the global recession, Montana has managed to stay ahead of the game. Even... <a href="http://www.creditcarddebt.org/montana.html">Read the full article</a>Fri, 25 Sep 2009 00:00:00 ESThttp://www.creditcarddebt.org/montana.htmlMinnesota Credit Card Debthttp://www.creditcarddebt.org/minnesota.htmlMinnesota Credit Card Debt On paper, Minnesota is looking pretty darn good. It is one of the main states to have survived the economic recession with hardly any financial casualties. Cities like Minneapolis, St. Paul and Rochester continue to flourish; companies like Target and Best Buy continue to profit; and industries such as forestry, manufacturing and agriculture continue to grow. While most states are suffering through the recession, loosing GPD due to a downturn in manufacturing, construction and tourism, MN appears to be above and beyond. However, Minnesotans know the truth. And,... <a href="http://www.creditcarddebt.org/minnesota.html">Read the full article</a>Fri, 25 Sep 2009 00:00:00 ESThttp://www.creditcarddebt.org/minnesota.htmlCredit Card Debt in Alaskahttp://www.creditcarddebt.org/alaska.htmlCredit Card Debt Summary of Alaska Alaska, although segregated from the contiguous United States, has not managed to avoid being affected by the recession. Economists predict that because of swift decline in prices, Alaska will lose roughly 3,400 jobs in the 2009 fiscal year. Further job losses are expected as former Governor Sarah Palin initiated a hiring freeze in January 2009 for positions within the government and the state-sponsored oil industry. In the major municipalities of Alaska, Anchorage and Juneau, the government, including federal, state, and municipal, is the primary employer... <a href="http://www.creditcarddebt.org/alaska.html">Read the full article</a>Tue, 15 Sep 2009 00:00:00 ESThttp://www.creditcarddebt.org/alaska.htmlCredit Card Debt in Alabamahttp://www.creditcarddebt.org/alabama.htmlCredit Card Debt in Alabama Although Alabama went into full recession later than many other parts of the country, it is by no means immune to the effects. Alabama lost close to forty thousand jobs between March 2008 and March 2009 and further job losses are expected. The first sector to be hit were service related jobs in 2008, but this soon expanded into the manufacturing sector as well. The job losses in the service sector heavily impacted the major metropolitan areas of Birmingham, Montgomery and Mobile first. However, as the job losses expanded into the manufacturing sector the impact... <a href="http://www.creditcarddebt.org/alabama.html">Read the full article</a>Tue, 15 Sep 2009 00:00:00 ESThttp://www.creditcarddebt.org/alabama.htmlCredit Card Debt Reduction in Californiahttp://www.creditcarddebt.org/california.htmlCredit Card Debt Reduction in California California has been one of the states hardest hit by the financial crisis and subsequent recession. Perhaps the most graphic example of just how bad it has been for some people were the reports about the "tent cities" being constructed by homeless people in Sacremento, Los Angeles, and Fresno. In July 2009, unemployment reached 11.9%, the worst of any state in the union. California also has one of the nation's highest per capita bankruptcy rates, at 3.57% per 1000 people. This is being exacerbated by the state government's financial crisis, which is... <a href="http://www.creditcarddebt.org/california.html">Read the full article</a>Tue, 15 Sep 2009 00:00:00 ESThttp://www.creditcarddebt.org/california.htmlReduce Your Credit Card Debt in Floridahttp://www.creditcarddebt.org/florida.htmlReduce Your Credit Card Debt in Florida If you are fortunate enough to live in Florida, you can enjoy the beautiful scenery throughout this gorgeous state.&nbsp; However, regardless of how beautiful the state of Florida may be, it has suffered just as much as other states when it comes to the economy.&nbsp; Many Floridians have lost their jobs, and their ability to make a living as well.&nbsp; The state of the economy has left many people struggling to survive.Did you know that that unemployment rate for Florida has hit as high as 11%?&nbsp; It is true. This is one of the states that have... <a href="http://www.creditcarddebt.org/florida.html">Read the full article</a>Tue, 15 Sep 2009 00:00:00 ESThttp://www.creditcarddebt.org/florida.htmlCredit Card Debt Solutions in Georgiahttp://www.creditcarddebt.org/georgia.htmlCredit Card Debt Solutions in Georgia Credit card debt seems to be an unfortunate result of the US economic downturn. At some point over the last several years, many Americans have had to turn to their plastic cards to help dig themselves out of the financial hole, but most of them have ended up in a bigger hole than what they started with. With this unfortunate turn of events, its often nice to see how your state compares with others so that you may find out how well you have been handling your debt for the area you live in. Here we are going to focus on the state of Georgia. Whether you are... <a href="http://www.creditcarddebt.org/georgia.html">Read the full article</a>Tue, 15 Sep 2009 00:00:00 ESThttp://www.creditcarddebt.org/georgia.htmlCredit Card Debt in Illinoishttp://www.creditcarddebt.org/illinois.htmlCredit Card Debt in Illinois There are millions of people who reside in the state of Illinois, and have been impacted just as much as people in other states, due to the economy. The recession has really hit much of the United States hard and has left many without ways to pay their bills. So, what does one do when they have no money coming in? The answer that most people have found to work for them is to none other than to use their credit card.&nbsp; This is most certainly not the ideal answer, but may be the only some people have. There have been millions of people left without a job because... <a href="http://www.creditcarddebt.org/illinois.html">Read the full article</a>Tue, 15 Sep 2009 00:00:00 ESThttp://www.creditcarddebt.org/illinois.htmlCredit Card Debt Help in Arizonahttp://www.creditcarddebt.org/arizona.htmlCredit Card Debt Help in Arizona Arizona has been hit by the financial crisis very hard, a fact that is perhaps best exemplified by the efforts of the Arizona legislature to sell the state capitol building. Like the state government, many individual residents in Arizona are also facing financial trouble. According to the United States Bankruptcy Court, District of Arizona, bankruptcy rates continue to increase across the state, led by Phoenix, but closely followed by Tucson and Yuma. Like elsewhere around the country, unemployment is also on the rise, standing at some 9.5% as of July 2009.... <a href="http://www.creditcarddebt.org/arizona.html">Read the full article</a>Tue, 15 Sep 2009 00:00:00 ESThttp://www.creditcarddebt.org/arizona.htmlCredit Card Debt Help in Arkansashttp://www.creditcarddebt.org/arkansas.htmlCredit Card Debt Help in Arkansas Are you one of the fortunate people who hail from the state of Arkansas? Arkansas, especially Little Rock and Fort Smith, enjoys a rich, cultural heritage as a melting pot for Chinese, African-American, French, German and Mexican immigrants dating back to the early 1800's. The state is also renown for the rugged beauty of the Ozark mountains. However, despite its natural and cultural attractions, Arkansas has suffered as much as other states throughout this recession. Approximately 1.2 million citizens of Arkansas are unemployed, or roughly 7.4 % of its... <a href="http://www.creditcarddebt.org/arkansas.html">Read the full article</a>Tue, 15 Sep 2009 00:00:00 ESThttp://www.creditcarddebt.org/arkansas.htmlCredit Card Debt Advice for Residents of Coloradohttp://www.creditcarddebt.org/colorado.htmlCredit Card Debt Advice for Residents of Colorado If you live in the state of Colorado, it is probable that you have been affected by the recession to some degree. The rate of unemployment for Colorado has risen to around 7.4% of its workforce. While the unemployment rate is not as high as the national average of 9.4%, it still translates to about two and a half million Colorado residents who are without jobs. The loss of income can be a frightening ordeal for a family. The average family in the United States has precious little in the way of savings, and are, generally, ill equipped to... <a href="http://www.creditcarddebt.org/colorado.html">Read the full article</a>Tue, 15 Sep 2009 00:00:00 ESThttp://www.creditcarddebt.org/colorado.htmlCredit Card Debt Solutions in Connecticuthttp://www.creditcarddebt.org/connecticut.htmlCredit Card Debt Solutions in Connecticut If you live in Connecticut, there is a good chance you have battled the status of the economy much like the rest of the world.&nbsp; Due to the extensive loss of jobs throughout the United States, credit card debt has become a major concern of many families just trying to survive. The unemployment rate for Connecticut has hit as high as 8%.&nbsp; While this is not as high as that of some areas, it certainly can cause a wave of panic for even those with the best of careers.&nbsp; There is no one that is immune from losing their job these days, and what... <a href="http://www.creditcarddebt.org/connecticut.html">Read the full article</a>Tue, 15 Sep 2009 00:00:00 ESThttp://www.creditcarddebt.org/connecticut.htmlCredit Card Debt Reduction in Delawarehttp://www.creditcarddebt.org/delaware.htmlCredit Card Debt Reduction in Delaware If you live in the state of Delaware and possess a high amount of credit card debt, you share something in common with numerous other residents in the state. The largest employers in the economic sector of Delaware are the banking industry, the government, and the educational system. Many people have been released from their jobs for varying reasons. Regardless of why, the loss of income has led many to deplete their savings in order to pay for their necessary expenses. After the cash funds have dried up, they are then forced to rely on their credit... <a href="http://www.creditcarddebt.org/delaware.html">Read the full article</a>Tue, 15 Sep 2009 00:00:00 ESThttp://www.creditcarddebt.org/delaware.htmlCredit Card Debt Relief in Hawaiihttp://www.creditcarddebt.org/hawaii.htmlCredit Card Debt Relief in Hawaii Many of us wish we could reside in the beautiful state of Hawaii. The scenery is beautiful beyond words, but this gorgeous state has not escaped the woes that the economy has had in store for us all over the last year. The result of job loss has created another problem for many, and that is credit card debt.&nbsp; The credit card industry is flourishing as a result of others misfortune.If you live in Hawaii, it is for certain that you pay a high price for all that beauty that surrounds you. The cost of living is much higher in Hawaii, so this only contributes... <a href="http://www.creditcarddebt.org/hawaii.html">Read the full article</a>Tue, 15 Sep 2009 00:00:00 ESThttp://www.creditcarddebt.org/hawaii.htmlCredit Card Debt Help in Iowahttp://www.creditcarddebt.org/iowa.htmlCredit Card Debt Help in Iowa Credit card debt consumes millions of Americans' lives. It is easy to get into too much debt and very difficult to find relief and help.&nbsp; In the state of Iowa, the average household carries around $8260.44 in credit card debt on an ongoing basis with an annual average APR of 22.84%.&nbsp; With this kind of debt and these very high interest rates, it can be extremely challenging to find a solution to your debt that will fit within your budget. The first step to reducing your credit card debt is to formulate a plan. You may not have the knowledge to do this,... <a href="http://www.creditcarddebt.org/iowa.html">Read the full article</a>Tue, 15 Sep 2009 00:00:00 ESThttp://www.creditcarddebt.org/iowa.htmlCredit Card Debt Help in Idahohttp://www.creditcarddebt.org/idaho.htmlCredit Card Debt Help in Idaho Idaho is the thirteenth largest state in the US, but it makes its way up to the top five list when it comes to the highest credit card interest rates in the nation. If you are a resident of any Idaho city, like Boise, Nampa, Pocatello, or Idaho Falls, then chances are you have fallen into some sort of credit card debt resulting from the 21.37% APR you have to pay on average. Citizens of this state typically have more than $6000 worth of credit card debt under their names, which remains on the upper end of the national average. Much of the high interest rates in... <a href="http://www.creditcarddebt.org/idaho.html">Read the full article</a>Tue, 15 Sep 2009 00:00:00 ESThttp://www.creditcarddebt.org/idaho.htmlCredit Card Debt Advice for Indianahttp://www.creditcarddebt.org/indiana.htmlCredit Card Debt Advice for Indiana The state of Indiana is recognized for a variety of accomplishments. Famous celebrities like James Dean were born in this great state, and Indiana is home to the first long distance auto race in the country. Do you know what it is also home to? High credit card debt. Indeed, Indiana remains among the top five states with the highest credit card debt per consumer. The average citizen of Indiana has an amazing $9330 in credit card debt to pay off, surpassing the national average by more than $3000. Some may question why this number is so high as residents of... <a href="http://www.creditcarddebt.org/indiana.html">Read the full article</a>Tue, 15 Sep 2009 00:00:00 ESThttp://www.creditcarddebt.org/indiana.htmlResolve Credit Card Debt in Kansashttp://www.creditcarddebt.org/kansas.htmlResolve Credit Card Debt in Kansas Ever since Dorothy made her way to Oz, Kansas has been a common namesake in American households. This quiet state in the Great Plains features all of the benefits and hassles of highly populated states, acting as a microcosm for the nation as a whole. Among all the ways that Kansas has followed trends in the US, the state has gone into a time of credit card debt. The nation's economy crashed and so did the hopes of many Kansans looking to stay above water in the financial world. On average, a citizen of Kansas currently has almost $8,500 in credit card debt... <a href="http://www.creditcarddebt.org/kansas.html">Read the full article</a>Tue, 15 Sep 2009 00:00:00 ESThttp://www.creditcarddebt.org/kansas.htmlCredit Card Debt Help in Kentuckyhttp://www.creditcarddebt.org/kentucky.htmlCredit Card Debt Help in Kentucky If you are a resident of Kentucky, there is a very good chance that you may have accumulated some credit card debt because of the state of the economy.&nbsp; Many states have been strongly impacted by the recession and the loss of jobs across all the states. As a result of this, unfortunately, people have gotten deeper and deeper into high interest debt.The current unemployment rate for Kentucky is 11%. The loss of jobs is due largely to the economy and if you live in this state, you have been hit hard.&nbsp; It not only is very difficult to lose a job, but... <a href="http://www.creditcarddebt.org/kentucky.html">Read the full article</a>Tue, 15 Sep 2009 00:00:00 ESThttp://www.creditcarddebt.org/kentucky.htmlCredit Card Debt in Louisianahttp://www.creditcarddebt.org/louisiana.htmlCredit Card Debt in Louisiana If you live in Louisiana and are in credit card debt you are like many, many residents in the state.&nbsp; Louisiana has been hit by an economic double whammy over the last several years between Katrina and the current economic recession.&nbsp; Many people have been laid off from their jobs for a variety of reasons. Regardless of the reason, this has led many to deplete their savings to the point of having to rely on their credit cards for daily living expenses such as groceries or mortgage payments.&nbsp; This can quickly lead to a mountain of credit card debt... <a href="http://www.creditcarddebt.org/louisiana.html">Read the full article</a>Tue, 15 Sep 2009 00:00:00 ESThttp://www.creditcarddebt.org/louisiana.htmlCredit Card Advice in Massachusettshttp://www.creditcarddebt.org/massachusetts.htmlCredit Card Advice in Massachusetts Massachusetts is one of the most populated states in the USA. According to the 2008 census, Massachusetts housed 6,497,967 individuals. Its four largest cities are Boston, Worcester, Springfield, Lowell and Cambridge, and most of its population of 6.4 million lives in the Boston metropolitan area. The population for the state has seen dramatic increases over the past few years, and that coupled with a significant decline in the economy has yielded an immense amount of debt in the state as the average citizens owes more than $7,600 in credit card debt, a... <a href="http://www.creditcarddebt.org/massachusetts.html">Read the full article</a>Tue, 15 Sep 2009 00:00:00 ESThttp://www.creditcarddebt.org/massachusetts.htmlCredit Card Debt in Marylandhttp://www.creditcarddebt.org/maryland.htmlCredit Card Debt in Maryland Millions of people are a slave to their credit card debt, and many times it is due to no fault of their own. Yes, it is possible self-discipline has been cast to the wind, but in this day and age, that is most likely not the cause of increased credit card debt.&nbsp; The recent recession has caused significant job loss for every state across the country, and Maryland has not escaped.If you live in Maryland, you are faced with an unemployment rate of 7.4%.&nbsp; Fortunately, for residents in this state, this rate is much lower than others have had to live... <a href="http://www.creditcarddebt.org/maryland.html">Read the full article</a>Tue, 15 Sep 2009 00:00:00 ESThttp://www.creditcarddebt.org/maryland.htmlCredit Card Debt in North Carolinahttp://www.creditcarddebt.org/north-carolina.htmlCredit Card Debt in North Carolina If you reside in North Carolina, then you are likely suffering from the economic recession that has hit the United States by storm. However, people in this region of the United States are suffering a lot.&nbsp; The lack of jobs, combined with many companies letting go of current employees, has this state in a bad economic situation.&nbsp; It is highly likely, if you are a resident of this state, you may have relied heavily on credit cards for either a long or short period of time, depending on your individual situation.The unemployment rate in North Carolina... <a href="http://www.creditcarddebt.org/north-carolina.html">Read the full article</a>Tue, 15 Sep 2009 00:00:00 ESThttp://www.creditcarddebt.org/north-carolina.htmlCredit Card Debt - How Do I Settle My Credit Card Debtshttp://www.creditcarddebt.org/how-do-i-settle-my-credit-card-debts.htmlHow Do I Settle My Credit Card Debts? So, you've decided that debt settlement is right for you.&nbsp; Either you've already fallen behind on your revolving debt payments or you expect to and see settlement as a viable option.&nbsp; What do you do next to get relief from your debt? You essentially have two options at this point.&nbsp; You can attempt to call each creditor yourself or you can go through a company that specializes in debt settlement.&nbsp; If you are going to negotiate settlements yourself be sure you are educated. Use our glossaries to familiarize yourself on terms and... <a href="http://www.creditcarddebt.org/how-do-i-settle-my-credit-card-debts.html">Read the full article</a>Fri, 21 Aug 2009 00:00:00 ESThttp://www.creditcarddebt.org/how-do-i-settle-my-credit-card-debts.htmlCredit Card Debt - The Difference Between Debt Settlement Myths and the Real Factshttp://www.creditcarddebt.org/debt-settlement-myths.htmlThe Difference Between Debt Settlement Myths and the Real Facts You have a 'Right' to Settle &nbsp;Many people think they have a right to settle, this is not the case. You do have a right to ask, but a credit card company also has the rigth to say no.&nbsp; You should also understand that if you have good credit without any late payments credit card companies are unlikely to entertain the idea of settling a debt for less than the total amount owed. The only time a credit card lender is willing to consider a settlement on you account for less than the full amount is when they have a reason to... <a href="http://www.creditcarddebt.org/debt-settlement-myths.html">Read the full article</a>Fri, 21 Aug 2009 00:00:00 ESThttp://www.creditcarddebt.org/debt-settlement-myths.htmlCard Card Debt - Take These Steps Prior to Filing Bankruptcyhttp://www.creditcarddebt.org/steps-to-take-before-filing-bankruptcy.htmlSteps You Should Take Before Filing Any Chapter of Bankruptcy 1. Get Your Free Credit Report This is incredibly important.&nbsp; All creditors are required to be notified of your bankruptcy filing.&nbsp; By law you are entitled to one free credit report a year from each of the major credit bureaus, Equifax, Experian, and TransUnion.&nbsp; Once you pull each credit report sit down and make a master list of each creditor and the amount owed, as well as their phone number and address which are often listed on your credit report. Make sure you bring your reports and your list of creditors with... <a href="http://www.creditcarddebt.org/steps-to-take-before-filing-bankruptcy.html">Read the full article</a>Thu, 20 Aug 2009 00:00:00 ESThttp://www.creditcarddebt.org/steps-to-take-before-filing-bankruptcy.htmlCredit Card Debt - Myths About Filing For Bankruptcyhttp://www.creditcarddebt.org/myths-about-bankruptcy.htmlMyths About Filing for Bankruptcy 1 .The Whole World Will Know I've Filed You probably have read more negative financial news than you have ever wanted to in the last few years as the economic recession has gripped the world. High on those headlines are high-profile bankruptcies of individuals and corporations.&nbsp; If you have found yourself in a massive amount of credit card debt or other debt related to a mortgage or car loans, you may be fearful that the entire world is going to know if you file Chapter 7, 11, or 13.&nbsp; This is an understandable worry and one that most people have who... <a href="http://www.creditcarddebt.org/myths-about-bankruptcy.html">Read the full article</a>Wed, 19 Aug 2009 00:00:00 ESThttp://www.creditcarddebt.org/myths-about-bankruptcy.htmlCredit Card Debt Consolidation Myths and Factshttp://www.creditcarddebt.org/credit-card-debt-consolidation-myths-and-facts.htmlCredit Card Debt Consolidation Myths and Facts Are you struggling to decide if you should rely on various comments you may have been told when it comes to debt consolidation? It can require a lot of research to separate myth from fact when it comes to this topic for many people. This is why it so important to discuss what is true and what is not when it comes to a topic that more and more people are looking for answers to due to the recession. Many of us have had to rely on credit cards just to survive and that is why it is so important that we educate ourselves on the topic of debt... <a href="http://www.creditcarddebt.org/credit-card-debt-consolidation-myths-and-facts.html">Read the full article</a>Wed, 19 Aug 2009 00:00:00 ESThttp://www.creditcarddebt.org/credit-card-debt-consolidation-myths-and-facts.html