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Credit card debt remains an issue as balances continue to rise

On Behalf of | Mar 15, 2018 | Credit Card Debt

Debt can come in a variety of forms and fashions, each of which could have a significant impact on a person’s life. With credit card purchases over the past year reaching levels that go beyond those present prior to the Great Recession, many individuals in Oregon may be experiencing trouble keeping up with monthly payments. Those who struggle under the weight of credit card debt may wish to pursue relief, but with little experience in the area, they might be unaware of the options that are available.

According to recent reports, the amount of credit card debt racked up over the previous year came in at just over $92 billion, bringing the total owed to more than $1 trillion. These reports suggest that almost $70 billion in credit card purchases took place in the fourth quarter alone. This staggering amount could be the result of a substantial increase in holiday spending, which many individuals may have chosen to carry out with the use of a credit card.

Along with holiday spending, reports suggest that many individuals say they used their credit card to pay for medical expenses. This study also suggests that this increase in debt may be partly due to the fact that companies are less hesitant to extend lines of credit to individuals with lower credit scores. With the recent surge of purchases on similar accounts, many individuals may be experiencing financial strain, and for those who are unable to keep up with payments, the concern may only continue to grow.

High levels of credit card debt can have a devastating impact on a person’s life. Those who experience severe financial concerns due to rising balances may wish to know more about the available options for relief, but they might be uncertain where to turn for guidance. Fortunately, there are attorneys that can provide a person in Oregon with advice on how to pursue monetary relief and how to begin working his or her way back toward financial stability.

Source:, “Credit card debt has now reached pre-recession levels“, Brittany Jones-Cooper, March 8, 2018

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The Law Office of Kim Covington, is a woman owned debt relief agency, and I have helped families, individuals and small businesses, file for bankruptcy relief under the U.S. Bankruptcy Code, for over 24 years.