Lindsay Lohan, take our advice on handling your credit card debt!

If the news reports are to be believed, actress Lindsay Lohan, who may now be more famous for her tumultuous lifestyle than her movie career, is having difficulty keeping up the payments on her credit cards, which now total around $600,000.

But is it really true? After all, it was an unnamed source who gave this information to Radar Online, and then predictably, the blogosphere and numerous other media outlets, like the The New York Daily News, jumped on it. Meanwhile, Lohan's mother, Dina, has said it's not true, and it seems charitable to give her the benefit of the doubt.

Still, this could be a teachable moment -- as the saying goes -- and so while Lohan didn't exactly ask any for advice on better managing her credit card debt, I sought out some experts to see what they think she could possibly do differently to get her debt under control.

Start organizing her finances now. "The first step is for her to take control of her financial situation and get organized," advises Gail Cunningham, vice president of public relations for the National Foundation for Credit Counseling. "Lindsay needs to know how much money she has coming in each month. Maybe it's not a set amount, but again, that's not a situation unlike what many commissioned salespeople have to deal with. If they can figure out how to manage their money on an irregular income, so can she."

Stop spending so much. Obvious advice to the outsider, but not always obvious to the shopper in the midst of spending. Joel Ohman is a certified financial planner and the founder of, a website that helps consumers find the right credit card, and he suggests that Lohan "cut back on the partying and spending." She can either do it now, on her own, or, as Ohman puts it, "She can wait until the credit card company or debt collector forces [her] to cut back."