Capital One has a very clear and well-documented strategy for dealing with millions of credit card holders who fall behind on their debt and can't make payments, even on small loan amounts.
Today is a day for celebration. Although your debts have not been magically forgiven, nor has your income increased significantly overnight, today is a day that can serve as a significant turning point in your financial life. As the first day of the New Year progresses, consider adopting a few financially-related New Year’s resolutions. These resolutions may be large or small, but they will help to place you on the right track nonetheless.