Category Archives: Credit Card Debt
What is the Difference Between Delinquency and Default with Debt?
With wages remaining stagnant and inflation resulting in an increase in costs, it is becoming more difficult for consumers in Georgia to pay their debts. Is more of your income going toward necessities, such as bills or groceries or childcare? Across the state and country, inflation is leading more Americans to take on debt… Read More »
Do I Have to Pay Credit Card Debt from Interest If I Settle My Debt?
The average credit card interest rate in the United States today is extremely high. According to LendingTree, the average APR for all credit cards is 23.79 percent, which represents an increase even from a few months prior. The maximum APR on all new credit card offers is at 27.41 percent as of May 2026,… Read More »
Is Credit Card Debt Settlement Worth It?
When you are struggling with credit card debt, you may be considering multiple options to help alleviate the financial strain you are under. You might be considering bankruptcy. Or you might be considering debt consolidation. At the same time, you might be thinking about debt settlement and wondering if it is the right option… Read More »
What Are My Options If I Am Struggling with Credit Card Debt?
When you are struggling with credit card debt, what are your options for getting some kind of relief? The answer will depend on your circumstances. It will also depend on your goal, whether that involves paying off your credit card debt or having it forgiven or discharged. Our Lilburn credit card debt lawyers can… Read More »
How to Start Rebuilding Your Credit After Debt Settlement
When you are behind on credit card payments and other debts, you may not see a way out of the financial circumstances you have found yourself in. While there are various options you may be able to consider for getting out of debt and getting a fresh start, you may want to consider debt… Read More »
How Long Do I Need to Wait to Try to Settle Debt from the Holidays?
Georgia residents and consumers throughout the country took on a significant amount of debt during the 2025 holiday season. According to LendingTree data, Americans incurred an average of $1,223 during the holidays for gifts, travel, and other expenses. That number represents an increase from previous years. And many spent much more than that, even… Read More »
How to Deal with Credit Card Debt Harassment in the New Year
Household credit card debt reached record highs in 2025 while Americans also continued to deal with debt from auto loans, mortgages, and student loans according to ABC News. Between 2019 and 2025, consumer debt rose by $4.4 trillion. In addition, data shows that more consumers are missing credit card payments. Some are approaching delinquency,… Read More »
What You Should Know About a Proposed Credit Card Interest Rate Cap
Georgia residents, like many others across the country, are struggling with credit card debt. As recent news reports have noted, interest rates have been especially high and inflation has resulted in higher consumer costs. When those two factors are considered together, they often mean that Americans are charging more than they can repay each… Read More »
Why is Credit Card Debt So High?
Consumers are continuing to spend high amounts of money on their credit cards and are going deeper into debt, according to a recent report from CNBC. As that report emphasizes, household debt increased again over the last quarter. Much of that debt is associated with credit cards and rising credit card balances. At the… Read More »
Ways of Eliminating Credit Card Debt
American credit card debt has been rising rapidly, according to data reported in sources such as Marketplace. As that debt rises, many consumers are struggling significantly with options for paying down — and ultimately paying off — that debt. For many, there is a risk of making only the minimum monthly payment and having… Read More »