{"id":14063,"date":"2025-03-19T14:44:24","date_gmt":"2025-03-19T14:44:24","guid":{"rendered":"https:\/\/site.itshrt.com\/worldnews\/who-qualifies-for-credit-card-debt-forgiveness\/"},"modified":"2025-03-19T14:44:24","modified_gmt":"2025-03-19T14:44:24","slug":"who-qualifies-for-credit-card-debt-forgiveness","status":"publish","type":"post","link":"https:\/\/site.itshrt.com\/worldnews\/who-qualifies-for-credit-card-debt-forgiveness\/","title":{"rendered":"Who qualifies for credit card debt forgiveness?"},"content":{"rendered":"<p> <script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6606220950177433\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- ItShrt World News -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6606220950177433\"\r\n     data-ad-slot=\"1882483372\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\r\n<br \/>\n<\/p>\n<div id=\"\">\n<figure class=\"embed embed--type-image is-image embed--float-none embed--size-medium\">\n<p>      <span class=\"img embed__content\"><img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/assets1.cbsnewsstatic.com\/hub\/i\/r\/2024\/01\/03\/29247aed-9ed9-49ad-9981-c8291c612177\/thumbnail\/620x413\/516701b4e72de4f4c465d973227ca1a8\/gettyimages-868860560.jpg?v=765ef194a4bf4701e45ec9d5712af42f#\" alt=\"gettyimages-1060053518.jpg \" height=\"413\" width=\"620\" class=\" lazyload\" data-srcset=\"https:\/\/assets1.cbsnewsstatic.com\/hub\/i\/r\/2024\/01\/03\/29247aed-9ed9-49ad-9981-c8291c612177\/thumbnail\/620x413\/516701b4e72de4f4c465d973227ca1a8\/gettyimages-868860560.jpg?v=765ef194a4bf4701e45ec9d5712af42f 1x, https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2024\/01\/03\/29247aed-9ed9-49ad-9981-c8291c612177\/thumbnail\/1240x826\/64567c77829e631708deb1ddc4857415\/gettyimages-868860560.jpg?v=765ef194a4bf4701e45ec9d5712af42f 2x\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%20620%20413'%2F%3E\"\/><\/span><figcaption class=\"embed__caption-container\">\n<p>                  <span class=\"embed__caption\">You don&#8217;t have to live with overwhelming credit card debt. You have options.<\/span><\/p>\n<p>                  <span class=\"embed__credit\"><\/p>\n<p>                Getty Images<\/p>\n<p>                          <\/span><br \/>\n              <\/figcaption><\/figure>\n<p>Americans have deeply integrated credit cards into their financial lives, with most cardholders maintaining at least a few credit cards simultaneously. Recent Experian statistics reveal that the average American carries approximately\u00a0<a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/average-number-of-credit-cards-a-person-has\/\" target=\"_blank\" rel=\"nofollow noopener\">four different credit cards<\/a>. But while these short-term borrowing instruments offer convenience and purchasing flexibility to cardholders, they can quickly become a significant source of financial anxiety when balances accumulate beyond comfortable repayment levels.<\/p>\n<p>When\u00a0<span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-much-credit-card-debt-is-too-much\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">credit card debt<\/a><\/span>\u00a0becomes unmanageable and even meeting <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-are-credit-card-minimum-payments-calculated\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">minimum payment requirements<\/a><\/span> seems difficult, it&#8217;s crucial to consider various <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/important-debt-relief-options-to-know\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">debt relief options<\/a><\/span>. Credit card debt forgiveness represents one potential solution. This option typically involves negotiating with your credit card providers to settle your outstanding balance by making a one-time lump-sum payment that&#8217;s less than what you currently owe. The credit card company or debt collector then forgives the remainder of the balance in return.<\/p>\n<p>It&#8217;s important to recognize that <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-is-credit-card-debt-forgiveness\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">debt forgiveness<\/a><\/span> isn&#8217;t a straightforward solution, though, and requires careful evaluation before proceeding. The approach involves specific eligibility requirements and may have lasting effects on your financial standing.\u00a0<span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/whats-good-credit-score-determining-factors\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">Your credit score<\/a><\/span>\u00a0could decrease significantly, and you might face challenges securing new credit in the future. Thoroughly understanding these prerequisites and potential consequences is vital for determining whether pursuing debt forgiveness makes sense for your specific financial circumstances and objectives.<\/p>\n<p><a href=\"https:\/\/clicks.trx-hub.com\/xid\/cbsint_a10ef_cbsnews?q=https%3A%2F%2Fsecure.money.com%2Fpr%2Fa68c45e313e3%3Fs1%3Dwww.cbsnews.com%252Fnews%252Fwho-qualifies-for-credit-card-debt-forgiveness&amp;p=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Fwho-qualifies-for-credit-card-debt-forgiveness%2F&amp;event_type=click&amp;article_id=984192f1-c45c-40de-86db-81d4917eceec\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">Get access to the credit card debt relief you need now<\/a>.\u00a0<\/p>\n<h2><strong>Who qualifies for credit card debt forgiveness?<\/strong><\/h2>\n<p>When it comes to credit card debt relief, it&#8217;s important to dispel a common misconception: There are no government-sponsored programs specifically designed to eliminate credit card debt. So, you should be wary of any offers claiming to represent such government initiatives, as they may be misleading or fraudulent.\u00a0<\/p>\n<p>However, this doesn&#8217;t mean that credit card debt forgiveness is entirely out of reach. While not backed by the government, certain types of credit card debt forgiveness do exist. While it&#8217;s highly improbable that a credit card issuer would completely erase your debt outside of bankruptcy proceedings, you might have the option to negotiate with your creditors for a partial reduction of your outstanding balance. In fact, nearly anyone who\u00a0<span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/5-ways-to-pay-off-5000-in-credit-card-debt\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">is having a hard time making their credit card payments<\/a><\/span>\u00a0could qualify for forgiveness.<\/p>\n<h2><strong>How to get your credit card debt forgiven<\/strong><\/h2>\n<p>There are a couple of ways to get your debt forgiven by credit card companies. Those include:\u00a0<\/p>\n<h3><strong>Debt settlement programs<\/strong><\/h3>\n<p><span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-does-debt-relief-work\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">Debt settlement programs are a type of debt relief service<\/a><\/span>. At the start of the program, a debt relief expert will typically analyze your debts and financial position. Using this information, the expert will create an affordable, effective payment plan.\u00a0<\/p>\n<p>When you make your payments to the debt settlement company, they generally hold the money in a special-purpose savings account. Once you&#8217;ve saved enough money to settle your debts, the debt settlement company starts negotiating with your creditors in hopes of reducing your principal balance. These negotiations are often successful, resulting in significant long-term savings.\u00a0<\/p>\n<p>But there are some potential disadvantages to think about before signing up for one of these services. For starters, debt settlement companies do not make payments to your creditors as you save for your settlement. That will likely hurt your <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-is-a-credit-score\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">credit score<\/a><\/span> and impact the ability to borrow for some time.\u00a0<\/p>\n<p>Moreover, there&#8217;s no guarantee that your credit card company will accept the settlement. If they don&#8217;t accept it, you could end up with a larger debt burden than you started with, and if they do, you&#8217;ll likely need to pay income taxes on the amount of debt that was forgiven.\u00a0<\/p>\n<p><a href=\"https:\/\/clicks.trx-hub.com\/xid\/cbsint_a10ef_cbsnews?q=https%3A%2F%2Fsecure.money.com%2Fpr%2Fa68c45e313e3%3Fs1%3Dwww.cbsnews.com%252Fnews%252Fwho-qualifies-for-credit-card-debt-forgiveness&amp;p=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Fwho-qualifies-for-credit-card-debt-forgiveness%2F&amp;event_type=click&amp;article_id=984192f1-c45c-40de-86db-81d4917eceec\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">Find out how a debt relief service can help you now<\/a>.\u00a0<\/p>\n<h3><strong>Bankruptcy<\/strong><\/h3>\n<p>If credit card debt settlement doesn&#8217;t provide enough relief, it may be time to reach out to a bankruptcy attorney. Sure, bankruptcy will likely harm your credit score and ability to borrow in the near term, but as a last resort, it&#8217;s often\u00a0<span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-much-debt-is-worth-filing-for-bankruptcy\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">an effective way to get out of overwhelming credit card debt<\/a><\/span>. You may be able to get your debt 100% forgiven through bankruptcy, giving you the ability to restart on a clean financial slate.\u00a0<\/p>\n<h2><strong>Debt forgiveness may not be your only option<\/strong><\/h2>\n<p>Debt settlement programs and bankruptcy both have the potential to result in forgiven debt, but they&#8217;re also likely to have a significant impact on your credit score and your ability to borrow. But there are other options to consider, too, including:\u00a0<\/p>\n<h2><strong>The bottom line<\/strong><\/h2>\n<p>Credit card debt can be overwhelming, but you don&#8217;t have to deal with it forever. If debt consolidation loans are unavailable and debt management programs don&#8217;t offer enough relief, it may be wise to use a debt settlement company to try and get a percentage of your debt forgiven. But if debt settlement doesn&#8217;t provide enough relief, it may be time to file bankruptcy and restart on a clean financial slate.\u00a0<\/p>\n<p><em>This story has been updated to clarify the difference between debt management and debt consolidation programs.<\/em><\/p>\n<p>    <!-- tags --><\/p>\n<div class=\"content-author\">\n      <a href=\"https:\/\/www.cbsnews.com\/team\/joshua-rodriguez\/\" class=\"content-author__name\" data-invalid-url-rewritten-http=\"\">Joshua Rodriguez<\/a><\/p>\n<div class=\"content-author__bio\">\n<div class=\"content-author__full-information\">\n<p class=\"content-author__text\">Joshua Rodriguez is a personal finance and investing writer with a passion for his craft. When he&#8217;s not working, he enjoys time with his wife, two kids and two dogs.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6606220950177433\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- ItShrt World News -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6606220950177433\"\r\n     data-ad-slot=\"1882483372\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\r\n<br \/>\n<br \/><a href=\"https:\/\/www.cbsnews.com\/news\/who-qualifies-for-credit-card-debt-forgiveness\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You don&#8217;t have to live with overwhelming credit card debt. You have options. Getty Images Americans have deeply integrated credit<\/p>\n","protected":false},"author":1,"featured_media":14064,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[32],"tags":[],"class_list":["post-14063","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-top-stories"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Who qualifies for credit card debt forgiveness? - World News<\/title>\n<meta name=\"description\" content=\"Are you looking for a fast way out of credit card debt? Credit card debt forgiveness might help. 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