• Home
  • My Story
  • Credit Card Debt 101
  • Nonpayment
  • Vital News
  • Blog
  • Get Help Now
  • Contact Me

Credit Card Debt Relief Expert Help

Don't Pay if You Can't

  • Home
  • My Story
  • Credit Card Debt 101
  • Nonpayment
  • Vital News
  • Help For Seniors
  • Blog
  • Get Help Now
  • Contact

Get Help Now!

Credit Card Debt: Senior Citizens Who Cannot Pay CAN Find Their Own Debt Relief

According to the National Council on Aging (NCOA) Survey of Consumer Finances, the percentage of households headed by an adult aged 65 or older with any debt was 60% in 2016, and the median total debt … [Read more...]

Filed Under: Credit Card Debt Relief, non payment, senior citizens debt

January 16, 2019 by Mel Thompson Leave a Comment

How to deal a bank on credit card debt

How to Deal with a Bank on Credit Card Debt You Cannot Afford to Pay

The bank is not your friend. But nevertheless, many financial experts advise you to be honest with the bank to which you owe credit card debt about your financial situation. They advise trying to work … [Read more...]

Filed Under: non payment

May 24, 2017 by Mel Thompson 14 Comments

senior citizen credit card debt relief

Credit Card Debt Relief; What Senior Citizens and Retirees Need To Know

Senior Citizen Credit Card Debt Relief Unaffordable credit card debt, debt collector threats, collection attorney letters, debt lawsuits, court judgments, bankruptcies; too many older consumers on a … [Read more...]

Filed Under: Credit Card Debt Relief, eliminate credit card debt legally, non payment

May 5, 2016 by Mel Thompson 18 Comments

How to deal with Unpaid Bills with Debt Collectors

How To Deal with Unpaid Bills with Debt Collectors – Talk to a Consumer Rights Attorney

If you have credit card debt you cannot afford to pay, you are probably in fear of the day a court summons will arrive for that unpaid debt. You have probably spoken to bank customer service reps … [Read more...]

Filed Under: Credit Card Debt Relief, credit card debt relief laws

September 17, 2015 by Mel Thompson 3 Comments

Discover How Summons From Credit Card Debt Attorney Involve Junk Debt Buyers

CFPB Fines Chase Bank $218 million for Robo-Signing Affidavits Used in Court Cases against Consumers

Chase Bank has finally been taken to the woodshed for its past credit card debt affidavit robo-signing misdeeds.  It has been fined $216 million and ordered to halt collection on 528,000 consumer … [Read more...]

Filed Under: credit card debt relief laws, non payment Tagged With: Chase Bank pays $216 million for phony credit card debt affidavits

August 20, 2015 by Mel Thompson Leave a Comment

Debt Collector Robo-Calls

Consumer Finance Protection Bureau Cracks Down on Debt Collector Robo-Calls

The Consumer Financial Protection Bureau (CFPB) recently filed a lawsuit against the ringleaders of a robo-call phantom debt collection operation, their companies, and their service … [Read more...]

Filed Under: Credit Card Debt Relief

May 20, 2015 by Mel Thompson Leave a Comment

senior citizen credit card debt relief

A Debt Collector Voice Mail

Here is a recent debt collector interaction I had that may be of use or interest to you. “Mr. Thompson, [Jack Smith] calling from ABC. Return call here. I’ve been asked to obtain a statement from … [Read more...]

Filed Under: Credit Card Debt Relief, getting rid of credit card debt

January 2, 2015 by Mel Thompson Leave a Comment

Your Biggest Fear about Not Paying Your Credit Card Debt

Florida Bankruptcy Attorney - What Should I Do If A Credit Card Company is Suing Me for Not Paying? If you stop paying your credit card debt and file for bankruptcy, you are then entitled to … [Read more...]

Filed Under: non payment

January 2, 2015 by Mel Thompson 2 Comments

Many Reports of One in Three Consumers Being Hounded by Collectors of Debt

Numerous major print and broadcast media have reported over the last few months that one in three U.S. consumers are being contacted by debt collectors. (This is the Reuters filing picked up by many … [Read more...]

Filed Under: Credit Card Debt Relief

September 1, 2014 by Mel Thompson Leave a Comment

Credit card debt buyer video

Junk Debt Buyers of Credit Card Debt and Some of Their Collection Law Firms Make the News for Their Excesses

Here is an Alabama attorney explaining the reality of [credit card] debt buyer lawsuits. In this New York Times feature article, here is an in-depth look at just how sleazy credit card debt junk debt … [Read more...]

Filed Under: credit card lawsuit

August 31, 2014 by Mel Thompson Leave a Comment

How to Eliminate Credit Card Debt You Cannot Afford to Pay

How to Legally Eliminate Credit Card Debt You Cannot Afford to Pay

Here is an experienced attorney explaining why some threats made by debt collectors are considered illegal under the FDCPA. Typically people cannot eliminate credit card debt they cannot afford to … [Read more...]

Filed Under: credit card debt solution, education

June 13, 2014 by Mel Thompson 2 Comments

New Rules to Bring Fairness to Credit Card Debt Cases in New York

(Watch for similar developments in your state.) The Associated Press reported that New York's chief judge proposed new filing requirements for debt collectors to bring more fairness to state … [Read more...]

Filed Under: Credit Card Debt Relief

May 29, 2014 by Mel Thompson Leave a Comment

Understand Credit Repair Organizations to Get Out of Credit Card Debt

Understand Credit Repair Organizations if You Have Credit Card Debt

Above is an attorney who specializes in credit repair and reporting disputes explaining the pitfalls of credit repair organizations. Consumer Alert Regarding Credit Repair Organizations! According … [Read more...]

Filed Under: Blog

May 23, 2014 by Mel Thompson Leave a Comment

If You Cannot Pay, Avoid Debt Negotiation or Settlement

If You Cannot Pay, Avoid Debt Negotiation or Settlement Credit Card Debt Relief Scams

Above is one attorney explaining the pitfalls of credit card debt settlement. The first reason debt settlement does not work is if you cannot afford to pay your credit debt then how can you afford to … [Read more...]

Filed Under: Blog

May 21, 2014 by Mel Thompson 1 Comment

Recognize These Credit Card Debt Elimination Scams

Recognize These Credit Card Debt Elimination Scams

  These are some too-good-to-be-true credit card debt scams that you need to be aware of. These could cost you precious dollars when you can least afford it and cause you problems without … [Read more...]

Filed Under: Blog

May 20, 2014 by Mel Thompson 4 Comments

Credit Card Consolidation Does Not Work if You Cannot Pay

Credit Card Consolidation Does Not Work if You Cannot Pay

This attorney shares the Truth about Credit Card Debt Consolidation The term debt consolidation is used by companies offering debt management, counseling, debt consolidation, negotiation, or … [Read more...]

Filed Under: Blog

May 16, 2014 by Mel Thompson Leave a Comment

Understand Debt Mgmt/Counseling Firms

Understand Debt Management and Counseling Firms

Above is a reasonably credible explanation of debt management. Credit card debt management and credit card debt counseling services can be used interchangeably by some debt service organizations. … [Read more...]

Filed Under: Blog

May 14, 2014 by Mel Thompson Leave a Comment

Learn the Difference between White Hat and Black Hat Debt Relief Services

Learn the Difference between White Hat and Black Hat Debt Relief Services

They provide the same kind of common sense advice Dave Ramsey does in the above video. There are two kinds of debt service firms. Those that counsel you on how to manage your money, pay your … [Read more...]

Filed Under: Blog

May 14, 2014 by Mel Thompson Leave a Comment

To Protect Your Credit Become Familiar with Credit Reporting Agencies

To Protect Your Credit Become Familiar with Credit Reporting Agencies

This report from 60 Minutes, "Is your credit report accurate?" illustrates that. There are three credit reporting agencies (CRAs) commonly used by potential creditors to check your credit; Equifax, … [Read more...]

Filed Under: Blog

May 13, 2014 by Mel Thompson Leave a Comment

Learn More about Your Local Court in Case You Do Get Served

Learn More about Your Local Court in Case You Do Get Served

If You Understand Football, Then You Can Understand a Civil Court Case. It is important to point out that in all likelihood your credit card debt matters will not get this far, if you deny, … [Read more...]

Filed Under: Blog

May 7, 2014 by Mel Thompson Leave a Comment

Understand Junk Debt Buyers to Eliminate Credit Card Debt

Understand Junk Debt Buyers to Eliminate Credit Card Debt

Here is a video of a debt broker, who sells packages of debt to JDBs, explaining how the bid process for one debt package ended up at 2.5% per dollar of debt. Buying junk debt has become a big … [Read more...]

Filed Under: Blog

May 2, 2014 by Mel Thompson Leave a Comment

Learn How Not to Fear Collection Agencies if You Cannot Pay Credit Card Debt

Learn Not to Fear Collection Agencies if You Cannot Pay Credit Card Debt

These outrageous calls from debt collectors done by ABC News are all lies no one should have believed. Each year debt collectors put more than $40 billion back into the U.S. economy, according to … [Read more...]

Filed Under: Blog

April 30, 2014 by Mel Thompson Leave a Comment

To Understand Credit Card Debt Learn the Two Parts of the Debt Industry

To Understand Credit Card Debt Learn the Two Parts of the Debt Industry

There are two sides to this growth industry; debt services and debt collection. With consumer debt growing from $133.7 billion in 1970 to $2.5 trillion at the end of 2007, and with credit card debt at … [Read more...]

Filed Under: Blog

April 28, 2014 by Mel Thompson Leave a Comment

To Get Out of Credit Card Debt Understand the Credit Card Banks

To Get Out of Credit Card Debt Understand the Credit Card Banks

Bank of America fined for illegally adding on services to existing credit card accounts. There are a small number of large national banks who dominate the credit card industry. Corporate … [Read more...]

Filed Under: Blog

April 25, 2014 by Mel Thompson Leave a Comment

How to deal with a debt collector

Be Prepared to Handle Any Debt Collector

This debt collector and commentator have good advice on the less scary reality of debt collection. (BTW-- In the U.S. no one can be jailed for debt.) The first time you get a call from a debt … [Read more...]

Filed Under: getting rid of credit card debt

April 23, 2014 by Mel Thompson 4 Comments

How Consumers Can Get Debt Collectors Off of Their Credit Report

How Consumers Can Get Debt Collectors Off of Their Credit Report

This 60 Minutes report -"Is your credit report accurate?" explains some of the problems with the three major credit reporting agencies. When consumers with credit card debt unpaid for over six … [Read more...]

Filed Under: education, eliminating credit card debt

March 26, 2014 by Mel Thompson Leave a Comment

When Consumers Resist Collection Attorneys, What Happens?

When Consumers Resist Collection Attorneys, What Happens?

This law firm successfully sued a junk debt buyer and their collection attorney on behave of an Alabama consumer. 2013’s news about Chase Bank being sued by the California Attorney General for … [Read more...]

Filed Under: credit card debt resolution, non payment

March 26, 2014 by Mel Thompson Leave a Comment

Those with Unaffordable Credit Card Debt Are Better Off Responding to and Resisting Debt Collectors

Consumers with credit card debt they cannot afford to pay need to actively resist debt collectors, rather than passively wait with their heads in the sand for a credit card summons to arrive.  They … [Read more...]

Filed Under: credit card debt relief laws, education

March 26, 2014 by Mel Thompson Leave a Comment

If You Cannot Pay, Bankruptcy IS NOT the First, Best Option

If You Cannot Pay, Bankruptcy IS NOT the First or the Best Option

In the  above video an Arizona attorney discusses Credit Card Debt In Chapter 13 Bankruptcy.  In it he covers the reality of paying old credit card debt as part of the payment plan that Chapter 13 … [Read more...]

Filed Under: Credit Card Debt Relief, non payment

March 17, 2014 by Mel Thompson Leave a Comment

Credit Counseling Does Not Cover Non-Payment for Credit Card Debt Relief

Credit Counseling Does Not Cover Non-Payment of Credit Card Debt

The problem with credit counseling for credit card debt relief is the process does do not address the elephant in the room.  The discussion is always about budgeting and payments.  But, what if the … [Read more...]

Filed Under: credit card debt solutions, non payment

March 11, 2014 by Mel Thompson 2 Comments

Beware of the Debt Relief Industry’s Money Traps

Beware of the Debt Relief Industry’s Money Traps

Here is an interview in Michigan with a local attorney familiar with several debt relief scams. Beyond the blatant debt relief scams, most of the debt relief industry is trying to get you to … [Read more...]

Filed Under: credit card debt elimination, education

March 9, 2014 by Mel Thompson Leave a Comment

Major Credit Card Bank Stops All Credit Card Lawsuits

Major Credit Card Bank Stops All Credit Card Lawsuits

In late January 2012 CBSnews.com reported JPMorgan Chase & Co. has stopped filing lawsuits around the country to collect credit card debt. The American Banker reported on Jan. 10, 2012 Chase … [Read more...]

Filed Under: credit card lawsuit, Vital News

March 8, 2014 by Mel Thompson Leave a Comment

Educate Yourself about Unaffordable Credit Card Bank Debt and Eliminate Your Fears

If you have credit card debt you cannot afford to pay, you need to educate yourself.  Then you will realize your hopeless feelings were an emotional response to your fear of the unknown consequences … [Read more...]

Filed Under: credit card debt solutions, education

March 1, 2014 by Mel Thompson Leave a Comment

Plan Ahead When Permanent Non-Payment of Your Credit Card Debt Is Necessary

Plan Ahead When Non-Payment of Credit Card Debt Is Necessary

Here is a video with Senator Elizabeth Warren explaining The tricks and traps of minimum monthly payments and other credit card bank rip-offs. If you are considering permanent non-payment of credit … [Read more...]

Filed Under: Credit Card Debt Relief, non payment

January 13, 2014 by Mel Thompson Leave a Comment

JP Morgan Chase Getting Spanked Again for Illegal Documentation

The Financial News Network reports here that JP Morgan Chase dropped pursuit of many delinquent credit card accounts because of all its problems with phony documentation. JP Morgan Chase was in the … [Read more...]

Filed Under: credit card lawsuit, Vital News

January 7, 2014 by Mel Thompson Leave a Comment

New Consumer Protection Laws Against Debt Collectors Are Needed

New Consumer Protection Laws Against Debt Collectors Are Needed

The Consumer Finance Protection Bureau has made noises about developing stronger consumer protection regulations or laws  to protect consumers against debt collection attorneys continued abusive … [Read more...]

Filed Under: Blog

October 28, 2013 by Mel Thompson Leave a Comment

What Happens If You Cannot Afford to Pay Your Credit Card Debt?

In this video Senator Elizabeth Warren discussed the unfairness of credit card bank practices. Financial problems bring on emotions.  There is no doubt about it. Feelings of fear, pressure, guilt, … [Read more...]

Filed Under: getting rid of credit card debt, non payment

October 7, 2013 by Mel Thompson Leave a Comment

How To Deal With Debt Collectors

How To Deal With Debt Collectors

Learning how to deal with debt collectors Learning how to deal with debt collectors is important if you cannot afford to pay your minimum monthly credit card payment. In my personal and advisory … [Read more...]

Filed Under: credit card debt solution, non payment

October 1, 2013 by Mel Thompson Leave a Comment

What Happens If I Stop Paying My Credit Cards? Prepared For The Consequences?

What Happens If I Stop Paying My Credit Cards? How Do I Prepare For The Consequences?

If you have decided to stop paying credit cards because you cannot afford to pay them, for you own peace of mind you need to prepare yourself by learning more about; How to cheaply hire a consumer … [Read more...]

Filed Under: credit card debt solutions, non payment

September 29, 2013 by Mel Thompson Leave a Comment

Consumer Finance Protection Bureau Sues Debt Settlement Attorneys

Consumer Finance Protection Bureau Sues Debt Settlement Attorneys

Due to the publication of abuses like this, consumers are not blindly trusting debt settlement attorneys or other so-called credible entities that offer credit card debt settlement services. This was … [Read more...]

Filed Under: Credit Card Debt Relief, Vital News

September 25, 2013 by Mel Thompson Leave a Comment

How To Eliminate Credit Card Debt Without Bankruptcy

How To Eliminate Credit Card Debt Without Bankruptcy

If you have credit card debt you cannot afford to pay and you wish to eliminate it without bankruptcy, consider these actions. Stop paying monthly credit cards bills you cannot afford to pay and … [Read more...]

Filed Under: eliminate credit card debt legally, non payment

September 24, 2013 by Mel Thompson 39 Comments

If You Cannot Afford an Attorney, Use These Guidelines to Prepare for a Credit Card Lawsuit

If You Cannot Afford an Attorney, Use These Guidelines to Prepare for a Credit Card Lawsuit

Is this your situation: you have unpaid credit card debt you cannot afford to pay; you have received, or are worried about receiving a credit card debt summons; and you think you cannot afford to pay … [Read more...]

Filed Under: Credit Card Debt Relief, education

September 23, 2013 by Mel Thompson Leave a Comment

Beware of a JDB Summons From Credit Card Debt Attorneys

The Weaknesses of Junk Debt Buyer Summonses from Collection Attorneys

Going back a few years ago junk debt buyers (JDBs) discovered they could successfully churn out large numbers of lawsuits based on their bulk purchases of credit card debt. They discovered that less … [Read more...]

Filed Under: education, eliminate credit card debt legally

September 14, 2013 by Mel Thompson 4 Comments

More Bank Credit Card Lawsuits Are Being Filed Today Than in the Past

More Bank Credit Card Lawsuits Are Being Filed Today Than in the Past

In the above  video the Los Angeles Time reports the California attorney general has sued J.P. Morgan Chase for furnishing phony credit card documents in credit card debt lawsuits it filed in … [Read more...]

Filed Under: education, getting rid of credit card debt

September 10, 2013 by Mel Thompson Leave a Comment

What to Do about Medical Debt

What to Do about Medical Debt

Frequently people in need of medical services, who do not have health insurance, or who have insufficient health insurance coverage, are forced to use their credit cards to pay for health care.   So … [Read more...]

Filed Under: education, Medical Debt

September 6, 2013 by Mel Thompson Leave a Comment

Best Defense Against Credit Card Lawsuit

You Should Legally Answer and Dispute a Credit Card Lawsuit Even if You Do Owe

Just because you owe, does not mean you should fail to fight a credit card lawsuit against you for credit card debt.   You should not allow a default judgment against you for not responding. Felix … [Read more...]

Filed Under: eliminate credit card debt legally, non payment

September 3, 2013 by Mel Thompson 2 Comments

JP Morgan Chase Getting Spanked Again for Illegal Documentation

Banks and Junk Debt Buyers Cannot Document Their Credit Card Lawsuits.

Junk debt buyers Video The New York Times’ Joe Nocera’s column Why People Hate the Banks still has many pundits wondering why anyone who is confronted with a credit card lawsuit does not answer … [Read more...]

Filed Under: credit card debt relief laws, education

September 2, 2013 by Mel Thompson Leave a Comment

Learn How To Win Against Credit Card Debt Credit Lawyers

Learn How To Win Against Credit Card Debt Lawyers

When a debt collector attorney confronts you with a photocopy of your signed credit card application, a copy of a generic, unsigned credit card agreement and a few of your past credit card statements … [Read more...]

Filed Under: education, eliminate credit card debt legally

September 1, 2013 by Mel Thompson 3 Comments

Try This Free Online Debt Reduction Calculator To Find Out How Badly In Debt You Are

Try This Free Online Debt Reduction Calculator To Find Out How Long Your Payments Will Last

To find out how badly in debt you are, use the debt reduction calculator below. It stores no personal information, but answers the question; how long it will take you to pay off your credit card … [Read more...]

Filed Under: credit card debt solution, Debt Calculator, education

August 31, 2013 by Mel Thompson Leave a Comment

Bank’s Unfair Credit Card Practices Reported in Major Business News Outlets

(Bank of America has also been guilty of credit card debt collection abuses like its infamous rigged arbitration which came with its purchase of MBNA.) Bank of America to pay $772-million for illegal … [Read more...]

Filed Under: Blog

August 28, 2013 by Mel Thompson Leave a Comment

Consumer Debt Means One in Seven Consumers Will Be Contacted By Debt Collectors This Year

Consumer Debt Means One in Seven Consumers Will Be Contacted By Debt Collectors This Year

Consumer debt is a big problem and knowing how to deal with debt collectors when you owe and cannot afford to pay is becoming a basic survival skill in today’s economy. According to blogger Matt … [Read more...]

Filed Under: Blog

August 28, 2013 by Mel Thompson Leave a Comment

How Credit Repair Can Work if You Stop Paying Your Credit Card Debt

If you are late with your credit card debt payments and therefore worried about your credit score, you should first check your credit scores with the three major credit reporting agencies. You will be … [Read more...]

Filed Under: Credit Card Debt Relief, education

August 9, 2013 by Mel Thompson Leave a Comment

Credit Card Banks Getting Negative Publicity in Recent News Reports

Negative Publicity for Credit Card Banks Still Holds True

Here is a local TV channel report on banks guilty of credit card robosigning. Last year there was a surge of reporting on recent Consumer Financial Protection Bureau (CFPB) warnings and rules … [Read more...]

Filed Under: Credit Card Debt Relief, Vital News

July 29, 2013 by Mel Thompson Leave a Comment

Lack of Credit Card Debt Lawsuit “Proof” Is Now Similar to Mortgage “Robo-Signing”

Lack of Credit Card Debt Lawsuit “Proof” Is Now Similar to Mortgage “Robo-Signing”

Do you have a secret fear about being sued for credit card debt? Read on... A 2013 Reuters article featured on the Pittsburgh Tribune website reported a multi-state investigation by a group of … [Read more...]

Filed Under: education, eliminate credit card debt legally

March 12, 2013 by Mel Thompson Leave a Comment

Copyright 2017 Vision Publishing Inc.

Copyright 2016 Vision Publishing | Disclaimer | Disclosure Policy