Numerous Illinois residents are self-employed or jump from job to job. Their incomes may be far from steady, which means they may need a little help to make ends meet. Enter credit cards. Those with unsteady income often have more credit card debt than individuals who have steady income.

It does not take long for credit card debt to get out of hand. When a credit card is used to pay for just about everything and one is not paying off the balance or keeping track of how often the card is used, the bill may come as quite a shock. There are steps one can take to lower one’s credit card debt, but a lot of advice out there does not seem to work for those who lack stable income.

So, what can a person in this position do? Start by making the minimum payments and increase how much one puts toward the debt when income allows. Make a plan and stick to it.

Sometimes, the best-laid plans do not always work out, particularly when it comes to dealing with debt. If credit card debt on top of other financial obligations becomes too much to handle alone, there may be other ways to address the issue. Illinois residents with unsteady income and ever-increasing financial obligations may qualify for bankruptcy or other debt relief options. An experienced bankruptcy law attorney will have the ability to review the finer details of one’s financial situation and offer detailed information on possible solutions that may be available for one’s circumstances.