Debt settlement firms want you to have at least $10,000 in credit card debt. They want $1500-2000 of that $10,000 in fees paid first before they begin working on settling your debt. They tell you to stop paying your credit card and to send those payments to them for their fees and to save for a lump-sum settlement.

How Do I Reply to a Court Summons for Credit Card Debt?

Many consumers, who cannot afford to pay high monthly minimum credit card debt payments and cannot afford to settle those debts, condemn themselves with their feelings of guilt to being tormented by credit card debt collectors.

There is little legal weight to what someone says over the telephone. The caller can say what they like with impunity. And that is why debt collectors use the telephone as their main weapon. When exchanges with consumers are done in writing, debt collectors lose their effectiveness.

The Credit Card Debt Survival Guide presents for the first time all of the solutions for credit-card-debt relief in one well-organized volume.

Does the possibility of not being able to pay your credit card debt concern you?

Is there a legal basis to settle credit card debt?

Most of those people who cannot afford to pay their monthly minimum credit card payment become potential victims of the consumer debt collection industry. However, a growing number of consumers have found a law to protect themselves against credit card debt collectors.

Every consumer should know that invoking current consumer protection laws will stop the collection activities of a junk debt buyer.

The first important step is to actually respond to the court summons. Out of guilt, too many people mistakenly defeat themselves by ignoring a summons for credit card debt. They then lose by default and the collection attorney has his way with them.