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How to avoid debt this holiday season (1) Atlanta, GA

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How to avoid debt this holiday season (1)

Ira and Jamie Gingold Bankruptcy Attorneys in Atlanta GA

With Thanksgiving and Black Friday already a distant memory, the holiday shopping season has officially begun in Georgia and all throughout the United States. And while buying and giving gifts to family and friends can be fun and meaningful, it is important to remain within your means while shopping for loved ones. After all, no one that truly cares about you would want you to incur huge debts to buy them a Christmas present.

However, retailers work hard to get you to spend money at their stores, and those holiday shopping deals can be difficult to resist. So how can you navigate the holiday season without incurring significant debt that will follow you into 2013 and beyond?

First, and perhaps most importantly, you should make (and stick to!) a plan for your holiday shopping. Decide who you want to buy for and what you want to get each person. Then, do some research online and either buy it there or determine the best physical location at which to get the gift. Go to that place and buy only the item you came for. Avoid impulse buys and shopping at the last minute, both of which can result in a significant increase in your spending.

Second, try to limit the use of your credit cards. If you need to use credit to make holiday purchases, use only one card and keep track of how much you are spending. Ideally, you should only spend what you can pay off by the time your next bill comes. If you are unable to do that, make a detailed plan about how and when you are going to pay down that debt.

We will offer more tips for smart holiday spending in our next blog post.

Source: The Associated Press, “5 tips to steer clear of debt in holiday shopping,” Dave Carpenter, Nov. 14, 2012

If you have incurred unmanageable debt through holiday shopping or any other reason, it may be in your best interests to file for Chapter 7 or Chapter 13 bankruptcy. To learn more about this process, please visit the bankruptcy page on our website.

Posted on behalf of Jamie L. Gingold, PC

195 14th Street NE #1604
Atlanta, GA 30309

Phone: (678) 915-2634


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    Jack L.

    They did an excellent job with my case. Jamie took the time to really listen and understand things. She delved into the details and was extremely knowledgeable and non judgmental. Very professional and they know what they are doing. Would definitely recommend!

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    Dear Mr Gingold, There are so many reasons to be thankful for all you have done and will do. Anyone who has ever had unfavorable experiences with an attorney or the legal system will feel the trepidation that I experienced once I realized that my situation seemed hopeless. It was by chance and happily good luck that I decided to put my future and sanity into your hands. I was mortified at having to deal with my debts by claiming bankruptcy. I remember in our first meeting how you assured me that I was not alone and should not feel ashamed. And, anyone in this position obviously does not have money to spare and you were clear about all the costs and allowing me to pay according to my own ability to do so. You advised me in all aspects of the law, but also, you were at each meeting incredibly supportive and complementary of my personal and professional plans. Anyone else in this situation should feel blessed to have access to your expertise and support.

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    I thought the process of filing bankruptcy was going to be a difficult one. However, Gingold & Gingold treated me with respect and dignity from the moment I walked through their door. I had the pleasure of working with Jamie. She is very responsive, professional, and knowledgeable. She took the time and listened to my every concern and handled each and every one of them to my satisfaction. My experience with filing bankruptcy under Gingold & Gingold's representation exceeded my expectations in a major way. They gave me such a peace of mind. I am very pleased with my decision of going with Gingold & Gingold to represent me when I filed Chapter 13 bankruptcy.

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    Wow! I am finally out of debt and can say that I am debt free after completing my chapter 7 bankruptcy case with Gingold and Gingold. Mr dangled was very knowledgeable and direct with regard to my debt situation. there were no surprises and the case went as I was advised. The staff was also very helpful whenever I had a question. I will definitely recommend them in the future to my friends.

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    I contacted getting old and getting old regarding some old tax debt and credit card debt that I needed to address and had been putting off. miss Irving in the office was very very nice and put me at ease. I met with Jaime Gingold. She was very nice and explained the procedure to me and what would be left owing to the Internal Revenue Service and the State of Georgia after my case was done. My case has now been completed and I am on my way to a new start. Thank you Gingold and Gingold for all of your help.

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    Amazing! Outstanding!! They went over and beyond..I would recommend them to anyone needing a lawyer!!

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