For struggling debtors, addressing the problem of burdensome debt can be a challenge, not only because of the lack of financial resources, but also because it can be confusing to determine the best way to deal with the debt itself. Certainly, bankruptcy can be an option if thing get bad enough, but bankruptcy is not something to take likely and it is better in some cases to work to avoid it.
As readers are well aware, the holiday season tends to put a dent in everybody’s pocketbook. For many people, a lot of the seasonal spending is put on credit cards. This isn’t necessarily a bad thing, of course, but indiscriminate use of credit cards can obviously result in mounting financial problems.