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Should I Pay Credit Cards or Tax Debt First?

When you’re juggling multiple debts, it’s natural to ask: “Should I pay off my credit cards or take care of my tax debt first?” The answer might surprise you — because it’s not just about interest rates. It’s about avoiding serious consequences, protecting your income, and making smart decisions that lead to long-term financial relief.

At Better Debt Solutions, we’ve worked with many individuals facing this exact situation. Let’s break it down so you can make the right move.

Why Tax Debt Should Be a Priority

Owing money to the IRS is not like owing money to a credit card company. The IRS has powerful collection tools that go beyond late fees and credit dings.

If you don’t pay your taxes on time, here’s what you might face:

Wage garnishment without court approval.

Bank account levies (yes, they can freeze and seize your funds).

Seizure of personal assets, including property.

Loss of future tax refunds.

Penalties of up to 25% of your total balance, and rising interest.

While the average IRS interest rate might look low on paper, the added penalties and stress can turn that number into a serious burden fast.

What Happens If You Ignore Credit Card Debt?

Credit card debt brings its own challenges. You could face:

High penalty interest rates (up to 29.99%).

Collection calls and legal action after a few missed payments.

Judgments leading to wage garnishment or frozen bank accounts — but only after a court ruling.

Here’s the key difference: You have more flexibility with credit card debt. You may qualify for debt consolidation, credit counseling, or even debt settlement, all of which can reduce what you owe or make repayment manageable.

At Better Debt Solutions, we help people every day restructure or reduce their credit card balances while protecting their credit health.

What’s the Best Approach?

If you’re stuck choosing between the two: ✅ Prioritize tax debt to avoid aggressive action from the IRS. ✅ Continue at least minimum payments on credit cards to protect your credit score. ✅ Explore options like a Debt Relief Program or Debt Consolidation Loan to manage your credit card payments more efficiently.

We’re Here to Help You Decide

Every financial situation is different, but one thing is true across the board: Tax debt is not something to ignore. Fortunately, you don’t have to navigate it alone.

At Better Debt Solutions, we offer personalized guidance to help you:

Understand your tax and credit card debt options.

Create a smart repayment strategy.

Find relief through trusted, effective debt resolution programs.

Ready to take control? Let’s talk. Schedule your free consultation with Better Debt Solutions today and start building a path toward financial peace of mind.

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Better Debt Solutions- Debt Consolidation Solution

Better Debt Solutions is California’s top choice for comprehensive debt relief services, including debt management, settlement, credit counseling, bankruptcy support, and debt consolidation. Our mission is to help individuals regain financial stability with personalized strategies tailored to their unique financial challenges.

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Debt Consolidation Services- Better Debt Solutions

Better Debt Solutions is California’s No. 1 debt relief platform for debt management, debt settlement, credit counseling, bankruptcy, and debt consolidation. We specialize in helping individuals regain financial control by offering personalized solutions tailored to their unique financial situations.

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Top 10 Benefits of Choosing the Best Debt Settlement Company in the USA

Are you struggling with mounting credit card bills or unsecured loan debt? You’re not alone. Millions of Americans face financial challenges every year, and many turn to professional debt settlement services to find relief. But choosing the best debt settlement company can make all the difference in how quickly and effectively you regain control of your finances.

In this article, we’ll explore the top 10 benefits of working with a reliable and experienced debt relief company like Better Debt Solutions—and how this decision can positively impact your financial future.

1. Reduce Your Total Debt Amount

One of the biggest benefits of debt settlement is the ability to negotiate with creditors to reduce the total amount you owe. A top-rated debt settlement company can help you settle your debts for significantly less than the original balance, especially when it comes to unsecured debts like credit cards or medical bills.

2. Avoid Bankruptcy

Many individuals see debt settlement as a better alternative to bankruptcy. While bankruptcy has long-term consequences on your credit and financial standing, debt relief through settlement allows you to resolve your debts more responsibly and with less lasting damage.

3. Faster Debt Resolution

Unlike long-term payment plans or loan restructuring, debt settlement services aim to resolve your debts in a shorter time—usually within 24 to 48 months. This gives you a faster path to financial freedom.

4. One Point of Contact for All Debts

The best debt relief companies provide a single point of contact to handle multiple creditors, simplifying communication and reducing the stress of dealing with numerous calls, emails, and letters.

5. Personalized Debt Relief Plans

Top companies like Better Debt Solutions offer customized solutions tailored to your income, debt type, and financial goals. This ensures that your plan is both realistic and achievable.

6. Expert Negotiators on Your Side

Professional debt relief companies employ experienced negotiators who know how to work with creditors and collections agencies. Their relationships and knowledge can result in better settlement offers than you might receive on your own.

7. Improved Financial Education

The best debt settlement companies don’t just reduce your debt—they help you understand budgeting, saving, and avoiding future debt through credit counseling and financial education.

8. Stop Harassing Collection Calls

Once you enroll in a debt settlement program, your provider will communicate directly with creditors on your behalf. This means fewer collection calls and less harassment.

9. No Upfront Fees (With Reputable Companies)

Trusted companies, including Better Debt Solutions, do not charge upfront fees. You only pay after a successful settlement is reached, giving you peace of mind and assurance of results.

10. Rebuild Your Financial Future

Ultimately, working with the best debt settlement company can help you break free from financial stress and start rebuilding. With reduced debt, a cleaner credit profile, and expert support, you can begin planning for a more secure future.

Debt doesn’t have to control your life. With the right debt settlement services, you can take control, reduce what you owe, and move forward confidently. If you're looking for the best debt relief company to help with unsecured loan debt, credit card balances, or other financial challenges, Better Debt Solutions is here to help.

Call us today at (866) 606-6413 or visit www.betterdebtsolutions.com to learn more.

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Better Debt Solutions- Debt Relief Company

Better Debt Solutions is California’s No. 1 debt relief platform for debt management, debt settlement, credit counseling, bankruptcy, and debt consolidation. We specialize in helping individuals regain financial control by offering personalized solutions tailored to their unique financial situations. Whether you're overwhelmed by credit card debt, struggling with loans, or need guidance on consolidating your debts, our experienced team is here to help. We provide expert advice, compassionate support, and proven strategies to reduce your debt and rebuild your financial future. Take the first step toward financial freedom with Better Debt Solutions—your trusted partner in debt relief.