# data[].attributes.body
http://www.creditcards.com/credit-card-news/help/8-things-to-know-about-credit-card-debt-6000.php

http://clark.com/personal-finance-credit/10-debt-payoff-hacks-for-2016/

# data[].attributes.headline
Point 10: Sell any items you don't need:

# data[].attributes.subject
Point 10: Sell any items you don't need:

# data[].attributes.body
When times get extremely hard financially, it is important to sell things you may not need. Any extra money that is coming in can only help you during harder times financially.

# data[].attributes.headline
Point 9: Have an emergency savings fund:

# data[].attributes.subject
Point 9: Have an emergency savings fund:

# data[].attributes.body
Having money saved up can help significantly when hard times come. It is recommended for everyone to have 6 months of what they make a year saved up in an emergency savings fund.

# data[].attributes.headline
Point 8: You can't go to jail for nonpayment, however.....

# data[].attributes.subject
Point 8: You can't go to jail for nonpayment, however.....

# data[].attributes.body
Not paying isn't a criminal offense, however it is important to know that creditors can sue you in court as well as garnishment of your wages.

# data[].attributes.body
"Arranging such a deal on your own is best, as companies that facilitate it often charge a substantial fee and some aren't very reputable. Still, settlements should only be attempted after less radical steps to eliminate debt fail, as they can result in substantial credit damage and tax problems."

# data[].attributes.headline
Point 6: Can't make payments? Ask for help

# data[].attributes.subject
Point 6: Can't make payments? Ask for help

# data[].attributes.body
Calling the creditors directly or visiting a credit counseling program that can help you make payment plans

# data[].attributes.body
If you're already deep debt, it is still possible to get out of it. However you must go into "money crisis mode". Here are a couple things you should do. Limit spending to only basic needs to free up some cash. Talk to your creditors about reducing your interest rate. Last, pay the higher interest rate balances first.

# data[].attributes.headline
Point 4: WARNING debt affects your credit score: 

# data[].attributes.subject
Point 4: WARNING debt affects your credit score: 

# data[].attributes.body
When people can not pay off their debts at the end of each month, it hurts their credit score. A poor credit score can result in many negative effects. The 2 main effects of this are it is extremely hard to get a loan from a bank, and employers can see your credit score making it harder to get a job.

# data[].attributes.headline
Point 3: Owing is easy, paying is hard: 

# data[].attributes.subject
Point 3: Owing is easy, paying is hard: 

# data[].attributes.body
It is very easy for credit card users to max out their credit cards each month. The majority of credit card owners can't pay back these very high bills at the end of each month. Thus beginning the snowball effect of debt.

# data[].attributes.headline
Point 2: Know when short term loans make sense: 

# data[].attributes.subject
Point 2: Know when short term loans make sense: 

# data[].attributes.body
When purchasing a higher priced item, it's important to think about the time it will take to pay back the loan for the item. It is also important to consider the interest rate you pay for your credit card before making a larger purchase

# data[].attributes.body
When using a credit card, it is very important to live within one's means financially. Only buy things you know you can pay for quickly. The most common mistake people make with credit cards is not thinking about if they can pay for items at the time of the transaction.

# data[].attributes.body
Definition
"Credit card debt is an example of unsecured consumer debt, accessed through credit cards. Debt results when a client of a credit card company purchases an item or service through the card system."