Legal Credit counseling services

Credit Card Management

If you carry a balance, a credit card debt can be like a very expensive loan made by banks, gasoline companies or department stores. These credit card debts yield high profits to their issuers for several reasons. The most important is the high rate of interest (as high as 33% each year). Interest from a credit card alone can account for the bulk of the profits earned by the bank that issued you the credit card. Also, many credit card companies charge an annual fee for issuing you the credit card, and most of these companies charge late fees, over-the-limit fees and other miscellaneous charges.

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	Total Credit Card Debt Credit Card Debt? 5,000 - 7,499 7,500 - 9,999 10,000 - 12,499 12,500 - 14,999 15,000 - 17,499 17,500 - 19,999 20,000 - 24,999 25,000 - 29,999 30,000 - 34,999 35,000 - 39,999 40,000 - 44,999 45,000 - 49,999 50,000 - 59,999 60,000 - 69,999 70,000 - 79,999 80,000 - 89,999 90,000 - 99,999 100,000 +
	Current Payment Status Days Behind? Current About To Fall Behind 31+ Behind 61+ Behind
	Other Unsecured Debt Other Debt? 0 1 - 2,499 2,500 - 4,999 5,000 - 7,499 7,500 - 9,999 10,000 - 12,499 12,500 - 14,999 15,000 - 17,499 17,500 - 19,999 20,000 - 24,999 25,000 - 29,999 30,000 - 34,999 35,000 - 39,999 40,000 - 44,999 45,000 - 49,999 50,000 - 59,999 60,000 - 69,999 70,000 +
	Secured Debt Secured Debt? 0 1 - 4,999 5,000 - 9,999 10,000 - 14,999 15,000 - 19,999 20,000 - 24,999 25,000 - 29,999 30,000 - 34,999 35,000 - 39,999 40,000 - 44,999 45,000 - 49,999 50,000 - 54,999 55,000 - 59,999 60,000 - 64,999 65,000 - 69,999 70,000 - 74,999 75,000 - 79,999 80,000 - 84,999 85,000 - 90,999 90,000 - 94,999 95,000 - 99,999 100,000 - 104,999 105,000 - 109,999 110,000 - 114,999 115,000 - 119,999 120,000 - 124,999 125,000 - 129,999 130,000 - 134,999 135,000 - 139,999 140,000 - 144,999 145,000 - 149,999 150,000 - 154,999 155,000 - 159,999 160,000 - 164,999 165,000 - 169,999 170,000 - 174,999 175,000 - 179,999 180,000 - 184,999 185,000 - 189,999 190,000 - 194,999 195,000 - 199,999 200,000 - 209,999 210,000 - 219,999 220,000 - 229,999 230,000 - 239,999 240,000 - 249,999 250,000 - 259,999 260,000 - 269,999 270,000 - 279,999 280,000 - 289,999 290,000 - 299,999 300,000 - 309,999 310,000 - 319,999 320,000 - 329,999 330,000 - 339,999 340,000 - 349,999 350,000 - 359,999 360,000 - 369,999 370,000 - 379,999 380,000 - 389,999 390,000 - 399,999 400,000 - 419,999 420,000 - 439,999 440,000 - 459,999 460,000 - 479,999 480,000 - 499,999 500,000 - 519,999 520,000 - 539,999 540,000 - 559,999 560,000 - 579,999 580,000 - 599,999 600,000 - 619,999 620,000 - 639,999 640,000 - 659,999 660,000 - 679,999 680,000 - 699,999 700,000 - 719,999 720,000 - 739,999 740,000 - 759,999 760,000 - 779,999 780,000 - 799,999 800,000 - 819,999 820,000 - 839,999 840,000 - 859,999 860,000 - 879,999 880,000 - 899,999 900,000 - 919,999 920,000 - 939,999 940,000 - 959,999 960,000 - 979,999 980,000 - 999,999 1,000,000 +
	Time To Call Morning Afternoon Evening