Credit card debt has definitely become an issue nowadays; the recession made it really hard for people to pay back their debt because many of them lost their jobs or a big part of their wages.

First you should have your score and credit report checked out. You will definitely want to know your position with the creditors if you want to put the first milestone into this.

(excerpt) It is possible because we know what we have to do. We know the order in which to do it. We keep our information up to date over with all 3 credit bureaus, take on accounts with low interest rates, keep them safe, always pay on time and communication with our creditors is going to be vital.

Which ones should be given priority and which ones can wait? It is not the size of the debt that determines whether or not a debt should be classified as priority or non-priority, it is what the creditors may and can do to collect or recover their money.

If you’ve been choosing plastic over paper for some time now (that is, if you’ve been using credit cards over cash for most of your purchases), you’re probably well aware of just how little your creditors actually care about you.