When it comes to your credit card debts, you may feel overwhelmed and hopeless. However, there are ways to get yourself on the right track and start paying off those debts.

Here are a few tips on how to really avoid paying your credit card debts:

1. Consider debt consolidation.

Debt consolidation can be a great way to get a handle on your credit card debts. By consolidating all of your debts into one monthly payment, you can make it easier to keep track of your payments and stay motivated to pay them off. There are many different debt consolidation programs available, so be sure to do your research and find the one that is best suited for your needs.

One option is to take out a personal loan from a bank or credit union. Another option is to transfer your balances to a new credit card with a lower interest rate. You can also work with a debt consolidation company to create a payment plan that fits your budget. Whatever method you choose, debt consolidation can help you get your finances under control and start working towards becoming debt-free.

2. Work with your creditors.

If you are having trouble making your monthly payments, don’t be afraid to talk to your creditors. They may be willing to work with you to come up with a payment plan that is more manageable for you. By reaching out to them, you may be able to avoid late fees or penalty interest rates.

3. Debt Settlement

Debt settlement is a process where you negotiate with your creditors to pay a lump-sum that is less than the full amount you owe. This lump-sum payment is typically spread out over several months or even years, and it’s up to you to make sure the payments are made on time.If you’re struggling to make your monthly minimum payments, debt settlement may be an option to consider.

However, it’s important to keep in mind that debt settlement will have a negative impact on your credit score. Additionally, you may be responsible for paying taxes on the forgiven debt, and your creditors may continue to contact you for payment.Before you enter into debt settlement negotiations, it’s important to speak with a financial professional to get an accurate assessment of your situation and understand all of your options.

3. Seek help through debt relief.

If you are struggling to get your credit card debts under control, you may want to consider seeking help from a debt relief agency. These agencies can provide you with guidance and support as you work to get yourself out of debt. They may also be able to negotiate lower interest rates or settlements with your creditors on your behalf.

If you are considering using a debt relief agency, be sure to do your research to ensure that the agency is reputable and that their services are right for you. You can check with the Better Business Bureau or other consumer protection agencies to see if there have been any complaints filed against the agency you are considering.


There are a number of ways that you can get yourself out of credit card debt. By consolidating your debts, working with your creditors, or seeking help from a debt relief agency, you can start to make headway on getting rid of those pesky bills.

Most consumers with over $10k in unsecured debt are capable to eliminate at least 60% of their unsecured credit card debt whilst avoiding several of the bad consequences related to bankruptcy. If you’re over $10,000 in unsecured credit card debt you’ll be suitable to consolidate credit card debt.

Remember to do your research before choosing a method and to consult with an expert if you have any questions. With some hard work and determination, you can be on your way to becoming debt-free!