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Credit Card Debt Legal Non-Payment Option

If you have credit card debt you cannot afford to pay, you should consider simple non payment before going ahead with bankruptcy. There are legal ways to deal with debt collectors and collection attorneys. Debt collectors have difficulty documenting their credit card debt claims (Read this article.). For your own and your family's security you need to preserve what few assets you do have, and you need to focus on paying monthly essentials. Do not sacrifice your security for unsecured credit card debt.

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

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

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

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

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

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

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

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

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

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