What to do if you can't pay off your credit card

For some people the situation arises where they can possibly pay off their insurmountable credit card debt, it's simply gotten too much. So what should you do if this happens to you?

First off, consult a non-profit organization such as the Citizens Advice Bureau (C.A.B). They will be able to dispense invaluable advice on what you should do next, and give you at least a 30 day saving grace period from the credit card company. However, the rules won't apply if the credit card company has already passed on the debt to a collection agency. In this case you should still get some free advice, and consider getting a professional company to help you call of the creditors.

There's always help at hand, just make sure you consider all the options before deciding and make sure you're not pressured into a rushed decision.