{"id":6323,"date":"2018-01-08T19:21:38","date_gmt":"2018-01-08T19:21:38","guid":{"rendered":"https:\/\/mn-bankruptcy.com\/blog\/?p=6323"},"modified":"2020-10-19T19:10:43","modified_gmt":"2020-10-19T19:10:43","slug":"trouble-paying-those-troubling-holiday-shopping-bills","status":"publish","type":"post","link":"https:\/\/mn-bankruptcy.com\/blog\/trouble-paying-those-troubling-holiday-shopping-bills\/","title":{"rendered":"Hard to Pay Those Troubling Holiday Shopping Bills?"},"content":{"rendered":"\n

By David J. Kelly, Minnesota Bankruptcy Attorney<\/p>\n\n\n

Around this past Thanksgiving CNBC published a report about how an alarming number of shoppers are still paying off debt from Christmas of 2016.  A lot of the data in the report came from a source called NerdWallet. It seems that holiday-induced  spending and debt is a growing problem.   24% admitted to overspending for the holidays of 2016.  Among baby boomers, 64% went in debt to pay for Christmas.  For Gen-X it was 58% and for millennials it was 40%.<\/p>\n

When it comes to not yet having paid off the 2016 debt, the millennials led with 24%. Gen-X came in at 16% and the boomers were at 8%.<\/p>\n

The advice offered by CNBC to help avoid going into debt over the holidays again is threefold:<\/p>\n

    \n
  1. Make a good budget and stick to it.<\/li>\n
  2. Keep an eye out for sales; and<\/li>\n
  3. Pay debt back.<\/li>\n<\/ol>\n

    My reaction to this advice is to say to myself “well that’s easy for them to say.”  Credit card debt has a way of sneaking up on a person. Not everyone is capable of paying their debt back.  Many are overwhelmed and the bills that come in after Christmas can be the straw that breaks the camel’s back.<\/p>\n

    If you are looking at your holiday bills and other debts in shock, perhaps it is time to consider another alternative.  Once unsecured debt totals more than half of your annual income, it is usually impossible to get it paid back.  For you a Chapter 7 or Chapter 13 bankruptcy might be a good idea.<\/p>","protected":false},"excerpt":{"rendered":"

    By David J. Kelly, Minnesota Bankruptcy Attorney Around this past Thanksgiving CNBC published a report about how an alarming number of shoppers are still paying off debt from Christmas of 2016.  A lot of the data in the report came from a source called NerdWallet. It seems that holiday-induced  spending and debt is a growing … <\/p>\n

    Continue reading “Hard to Pay Those Troubling Holiday Shopping Bills?”<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":6325,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[69,12,1],"tags":[112,103,125,132],"class_list":["post-6323","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-chapter-13","category-chapter-7","category-uncategorized","tag-chapter-13-2","tag-chapter-7-2","tag-chapter-7-bankruptcy","tag-recent-purchases"],"yoast_head":"\nHard to Pay Those Troubling Holiday Shopping Bills? - Better Call Dave - Bankrupt MN Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mn-bankruptcy.com\/blog\/trouble-paying-those-troubling-holiday-shopping-bills\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Hard to Pay Those Troubling Holiday Shopping Bills? - Better Call Dave - Bankrupt MN Blog\" \/>\n<meta property=\"og:description\" content=\"By David J. Kelly, Minnesota Bankruptcy Attorney Around this past Thanksgiving CNBC published a report about how an alarming number of shoppers are still paying off debt from Christmas of 2016.  A lot of the data in the report came from a source called NerdWallet. 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Sometimes that seems like a long time, and other days I feel as if I just started. These days my practice is devoted entirely to counseling folks concerning their financial problems and representing them in Chapter 7 and Chapter 13 bankruptcy. One thing I don't do is credit repair. When asked about matters concerning credit scores, I like to say \\\"I'm a very good source of unreliable information about that.\\\" What I mean is that I hear a lot about it from my clients who often report back to me how they are doing after their bankruptcy is completed, sometimes even years later; but having heard some stories from a few people doesn't qualify me to give any advice. I spend a lot of time with my clients. I want to be sure we get it right. There are civil and criminal penalties for concealing or providing incorrect information in a bankruptcy care, and my goal is to keep myself and my clients as far away from problems like that as possible. 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