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Learn your options for taking control of your credit card debt

Credit cards are a good thing to have, as long as you use them in the right way. It is easy to fall into the habit of thinking that you can spend whatever you want as long as you have credit remaining on the card. This can lead you into a financial abyss if you charge considerable amounts and can't repay those amounts when the time to do so comes.

We understand that you might not have meant any harm when you started charging purchases to your credit card. We know that you probably want to pay off the balances but just don't know how you are going to do so. You may hear about various offers to help you regain control. Debt consolidation and similar programs might be tempting. Before you jump on board any of those, think carefully about what you are doing. You might be considering something that will lead you to being the victim of a scam.

In some cases, you aren't the issue with credit card debt. The actions of the credit card company might be what caused your problem. You must take a few moments to learn about the Credit Card Accountability Responsibility and Disclosure Act of 2009, which gives you specific protections and sets certain requirements for credit card companies. One example is that the company can't raise your interest rate within a year of you opening the account unless specific conditions are met.

We know that having to deal with creditors is hard. We can help you to learn about how options, such as bankruptcy, might help you to get your financial situation under control.

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At the law offices of William H. Oliver, Jr. & Associates in Toms River and Lakewood, New Jersey, we represent clients in Toms River, Neptune, Trenton, Middletown, Red Bank, Wall, Lakewood, Lakehurst, Manchester, Asbury Park, Old Bridge, Jamesburg, Barnegat, Forked River, Manahawkin, Ocean Township, Brick, Manasquan, Howell, Freehold, Hazlet, Bradley Beach, Brown Mills, Long Branch, Keansburg, Marlboro, Bayville, Beachwood, Whiting, Sayreville, South River, East Brunswick, Monmouth County, Ocean County, Middlesex County, Burlington County and Mercer County.