Tampa credit repair advisor Dave Fulk explains what to do if you realize you’re unable to pay your credit card bills — it starts with a strategy and a phone call.

Tampa, FL — Dec 10, 2014 — Dave Fulk, president of National Credit Federation, published a new article entitled “Can’t Pay Your Credit Card Bill? Here’s What To Do.” In the article, he advises those who can’t pay their credit card bills to open a clear line of communication with their creditors as soon as the problem arises in order to negotiate a repayment plan that will steer them away from big repercussions.

Fulk says, “What do you do when the credit card bill comes next month and you can’t pay it off? We hope that you will never find yourself in this situation, but the reality is that it happens sometimes, whether it’s due to excess holiday spending or falling back on credit cards for an emergency. While prevention is the best medicine, there are a number of things you should do as soon as you realize you won’t be able to make your minimum payment.”

Dave Fulk, NACSO, CCRA, is the president of National Credit Federation and a national speaker on finance and credit. He has over 10 years of experience in the financial industry, specializing in finance, mortgages, and credit.

Read the whole article here.

About National Credit Federation:

National Credit Federation helps people accomplish their financial goals through credit repair, debt settlement, student loan consolidation, and business funding. The NCF mission is to help members who are currently in or have successfully come through a financial crisis improve their creditworthiness, allowing them to achieve their credit objectives, including home ownership. This mission is accomplished by providing members with access to resources not normally available to “non-credit worthy” consumers, such as financing, banking, credit lines, professional legal assistance, tax advice, personal financial coaching, and personal financial education. One of the oldest and most trusted companies in the nation, NCF has been featured in Forbes magazine, USA Today Yahoo Finance and 27 other major news outlets. They have an A rating with the BBB and have over 600+ testimonials from previous clients they have helped.