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Articles Posted in Credit Card Debt

Escaping Credit Card Debt
Liviakis Law Firm Team

The belief that it is better to have it now and pay for it later leads millions of Americans to buy things they can’t afford, only to leave themselves crippled with debt. There is a saying that unsecured debt is a perpetual cycle of debt. Otherwise known as the “credit card trap”, many people find…

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Too Much Credit Card Debt
Liviakis Law Firm Team

According to Experian, the average credit card debt per borrower is $4,858. That’s not a small amount. The average interest rate on credit cards is around 15 percent, which means that the average credit card debt can cost you almost $1,000 in interest payments alone. If you’re carrying a balance on your credit cards and…

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Eliminate Credit Card Debt
Liviakis Law Firm Team

From data released from the Survey of Consumer Finances conducted by the U.S. Federal Reserve, the average amount of debt for most families is around $5,700, with 41% of households carrying some form of debt. The average amount of credit card debt for households for those with revolving balances is around $9,300. Even more consistent…

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Wage Garnishment and Bankruptcy
Liviakis Law Firm Team

Wage garnishment is legal order in which your employer is required to deduct money from your salary and wages to be paid to a creditor. Wage garnishment orders can demand portions of your paycheck for resolving debts like spousal/child support, student loan debts or payments due to a credit card company. However, it can only…

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Credit Card Debt and Bankruptcy
Liviakis Law Firm Team

Credit card debt is a significant problem in the United States. Americans owed over a trillion dollars in credit card debt in 2019. The Credit Card Accountability Responsibility and Disclosure Act of 2009 put federal rules and regulations on the use of debit cards. Financial institutions have lost income due to excessive bank fees no…

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Bankruptcy and Your Credit
Liviakis Law Firm Team

People are often hesitant about filing bankruptcy because of what it will do to their credit. They know that a bankruptcy can stay on your credit report for ten years. They should also consider that being behind in their payments can cause a negative impact on their credit report. Things like late payments, over the…

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