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Many Had to Max Out Credit Card Debt During COVID-19


Like many other Americans, credit card debt may have been a major issue for you before COVID-19 changed life in the US, and around the world, however, no one could have expected what was about to happen as spring of 2020 approached. Further, few predicted that the repercussions associated with the pandemic would last so long.

Loss of jobs, and if not that, then considerable loss of hours, affected millions of people, left shell-shocked as a viral pandemic slowly began stripping them of their income, normal existence—and tragically for so many—their health too. Without the ability to make a living (or barely leave the house as restrictions and lockdowns ensued), US citizens were left to worry about paying for the basic essentials, along with other considerable debts like student loans.

Although The CARES Act dealt with many federal loans, private student loan borrowers were left on their own to deal with significant monthly payments. In the face of unemployment, mounting medical bills due to COVID-19, and a plethora of other complications, many households were and have continued to be under financial duress.

Previous to 2020, consumer and household debts were already at historical highs quarter after quarter. Credit card debt was already a problem for so many, and you may have already found yourself wondering how to handle delinquencies. With the onset of COVID, any credit card balances left open may have seemed like the only option in terms of survival, but the problem is that they run out so fast—with creditors and debt collection agencies still fully expecting to get paid.

Are you in trouble with credit card debt, or already being sued over one or more accounts? If so, it is imperative that you receive good legal advice. Consult with an attorney from Fitzgerald & Campbell, APLC now to find out what your best options are. This is especially important if you have already been served with a summons and complaint. In working with an experienced collection lawsuit attorney, weigh out choices like outlining a defense or perhaps even negotiating a settlement for a significantly discounted sum.

Credit card debt can be extremely easy to accrue but extremely challenging to rid yourself of, which is why it is crucial to act quickly. This is especially important to make sure that a default judgment is not granted against you.

Speak with an attorney from Fitzgerald & Campbell, APLC as soon as possible to examine your options. Our attorneys have decades of experience in serving clients as they navigate through challenging financial situations, to include student loan issuesbankruptcy, and other debt management processes. We are here to help! Click here to schedule a free 30-minute consultation, call us at (844) 431-3851, or email us at

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