Getting into a situation where you can not pay off your debt is not good. In these current times a lot of people are falling into debt due to losing their primary source of income. A lot of dual income families are now single income families. This is not an isolated occurrence. Even if your debt is piling up make sure you can still pay your credit card debt. You may wonder why you would want to pay credit card debt first.
It's simply because the interest rates on your cards are extremely high. It can take years, if not tens of years to pay off the principle on your credit cards. You may simply get stuck just paying accruing interest. You can quickly get in over your head if you do not pay credit card debt.
However there are many laws that exist to help you out of your sticky situation. Still you need to be certain of what those laws are because each state is different. You can quickly Google for your state's credit card laws, but make sure the result is a trustworthy site. States all have a time limit on how long credit card debt can be collected, this is called the statute of limitations. Simply put, after a certain amount of time a person can no longer have a jurisdiction levied against them for an old debt.
Always make sure when you pay credit card debt that you do not get into a situation where collectors start calling you. You definitely want to make sure you never have a judgment against you as well. You can even have a lien placed upon your home depending on the amount of debt you have. To normally even go to court you need a large credit limit and a maxed out card, otherwise it might not be worth it for the company to sue you. But remember, each state has different limits.
If you pay your credit card debt off, or never have it to begin with, you do not have to worry about these kinds of things. You will not run into problems if you never spend more than you have to spend.