$10,000 in unsecured debt

Be very very careful when it comes to the issue of how to avoid paying credit card debt, because there is a very significant number of fraudulent companies out there that will have no hesitation about exploiting another person's misfortune and financial woes for their own personal benefit. They will provide too good be true solutions to the struggling credit card owner, that will do nothing more than land the credit card owner is hot water with the law. If you REALLY want to avoid having to pay credit card debt, then the best piece of advice that you will come across is (start dramatic drum roll now)....be financially responsible, live within your means and ensure that you avoid exacerbating current debt with additional loans.

I cannot stress the importance of ensuring that the full balance on your credit card is paid in full each and every month. Why? More than simply ensuring that you keep yourself organized, paying off the full balance means that no interest will accumulate or be charged to your credit card whatsoever. Too many of us have a nasty habit of impulse buying, meaning we splash out on things we cannot afford currently, and pay for on credit. Ensuring that you only ever charge what you can comfortably afford is another excellent way to ensure that you stay in the black, and do not need to worry about heavy interest rates.

If you have managed to get yourself stuck in credit card debt hell, then you may want to consider a debt settlement program which is whereby a professional 3rd party will negotiate with your creditors on your behalf, to ensure that both you and the creditors can reach a mutually equitable and agreeable solution to the outstanding debts. Debt settlement programs can also mean that a percentage of the initial capital sum is slashed.

If you are over $10,000 in unsecured debt you should at least consider getting a debt settlement. Creditors are scared about collecting on their unsecured debt and you as the consumer can benefit. Check out the following link to find the top performing debt settlement companies. Free Debt Advice.

Article Source: http://EzineArticles.com/?expert=Michelle_Messmer