If you have credit card debt, it might have at least crossed your mind in the past to hire a credit card debt lawyer. However, you might be thinking that it isn't really necessary or something that you're interested in. If you're in some financial trouble because of your credit card debt and avoid hiring a credit card debt lawyer to help you, you could end up dealing with a variety of problems, including the ones listed below.

Court Dates

If you are late on your credit card payments or if you are fully in default, you have to worry about the possibility of being sued by the credit card company. If this happens, you have to worry about missing work to go to court, the embarrassment of standing in front of a judge to talk about your financial situation, and more. A credit card debt lawyer can help you avoid these court dates in the first place or can help you with your court dates if you have already been sued.

Judgments

If your credit card company does take you to court, then a judgment could be entered against you. This can remain on your credit report and in your public record for a long time to come, but it might be avoidable with the help of a lawyer.

Wage Garnishments

If you don't repay your judgment in a timely manner, your wages could be garnished. Basically, this means that part of your paychecks could go toward the credit card companies that you owe money to until your debts are repaid, which can put you in a serious financial situation.

High Monthly Payments

Even if you aren't facing court or judgments right now, you could be struggling because of high monthly credit card payments. This can make it hard for you to pay your other bills and living expenses, but a credit card debt lawyer might be able to help you.

High Total Repayment Amounts

Right now, if your credit card debt is out of control and you're only able to make the minimum monthly payments — or less — then you should know that you will probably end up paying back a lot of money in the long run, once you factor in both the money that you actually owe on your credit cards and all of the interest and fees. You probably want to avoid repaying your credit card company more than you have to, and you might be able to reduce the amount that you pay by quite a bit with the help of a credit card debt lawyer.

Reach out to a lawyer at a firm like Brian R. Cahn & Associates, LLC to learn more.