Are rising credit card balances making it harder to keep up every month? According to recent studies, the average American household carries more than $7,900 in credit card debt, and interest rates continue to climb. For many residents, this can quickly spiral into late fees, collection calls, and even lawsuits. Finding the right solution can be the difference between regaining control and watching debt grow.

This article explains the most effective strategies for handling credit card debt, including debt settlements, legal protections, and bankruptcy options available under Texas law.

Negotiating with Creditors

One of the first steps many people consider is negotiating directly with their credit card companies. Creditors may agree to lower interest rates or offer structured repayment plans if approached early. This can help avoid default and keep accounts out of collections.

Debt Settlement Options

For those already behind, debt settlement may be an option. This involves offering a lump sum that is less than the full balance in exchange for forgiveness of the remaining debt. Working with a debt settlement lawyer can help ensure the agreement is in writing and that the creditor reports the account as settled. This step can reduce the overall burden but may have tax implications that should be carefully considered.

Credit Card Lawsuit Defense

When negotiations fail, creditors may file a lawsuit. Defending against a credit card lawsuit in Texas can prevent default judgments. A debt relief attorney can raise defenses such as improper documentation or expired statutes of limitation. Responding quickly is key—ignoring a summons can result in a judgment by default.

Bankruptcy for Credit Card Debt

When debt is too high to repay, bankruptcy may offer a fresh start. Chapter 7 bankruptcy can discharge unsecured credit card debt, while Chapter 13 allows repayment over three to five years under court supervision. These options can stop collection calls and lawsuits while giving the filer a clear plan forward.

Take Control Before Debt Grows

Are credit card bills creating constant stress? The Law Office of Joel Gonzalez helps individuals find lasting relief through negotiation, defense, or bankruptcy when needed. As a dedicated debt relief attorney in Corpus Christi, Joel Gonzalez offers personalized guidance to stop collection efforts and create a clear path to financial stability.

Contact the office today to discuss practical solutions for credit card debt and take the first step toward regaining control.