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 focus on paying more important monthly necessities and
  • Learn more about the realities of credit card debt collection and how you can make non-payment work for you.
  • Do not engage in credit card debt settlement that saddles you with more payments and simply prolongs your financial stress and bad credit. Learn from my experience on how to eliminate credit card debt without bankruptcy.

How to Get Rid of Debt Legally Without Bankruptcy

How To Eliminate Credit Card Debt Without Bankruptcy

Eliminate Credit Card Debt Without Payment

While many financial advisers may try to fool you into thinking there is only a choice between bankruptcy or debt settlement; there is another option to get of debt legally.  Simply stop paying your unsecured credit card debt. Do not allow yourself to be misled into credit card debt bankruptcy or paying off credit card debt through consolidation. Bankruptcy should be your last resort. In reality, there is a big chance that you can eliminate your credit card debt without bankruptcy. You can handle debt collectors with the proper use of the Fair Debt Collection Practices Act. Under the FDCPA you have the right to deny and dispute your debt, to demand documentation of your debt and to instruct debt collectors in writing to stop all collection activities. Denying and disputing a debt you owe is not a reflection on your character, it is simply a legal strategy to force debt collectors into properly documenting your debt. Never admit to the debt and do not get tricked into doing that by a collection attorney. Your deny-dispute-demand documentation letter serves as notice that you are going to be difficult to deal with. Debt collectors work on commission. They do not get paid until you pay them. So, would they rather work with legally-difficult people who know what they are doing, or with other consumers willing to ignorantly submit to their demands? They will go where the money is, while you get rid of your debt.

Collection Attorneys  Are Considered Debt Collectors by the FDCPA

But, you ask, what about the eventual credit card lawsuit? Collection attorneys are just like debt collectors. They follow the money. The FDCPA considers them debt collectors first, attorneys second. They must respond to your debt validation letter. The right letter tells them what documents they will have to produce should they initiate a credit card lawsuit against you. In my case, two collection attorneys for debts totaling over $30,000 stopped contacting me after receiving my letters sent CMRRR. (Over the years I have developed and improved my debt documentation letters to do what other debt validation letters ignorantly do not do, and to give collection attorneys good reason not to sue you.)

Eliminate Credit Card Debt Without Payment

If the collection attorney is representing a junk debt buyer, they will have difficulty producing documents (an original contract and an accounting for the alleged amount owed) from the original creditor. If the collection attorney is representing the original credit card bank, they too will have difficulty producing proper documentation supported by a signed affidavit from an employee with personal knowledge of the alleged account. Apparently, it is just too much work for the bank to properly document defaulted credit card debt. In many cases, an informed answer to a credit card debt summons demanding documentation is enough to make the collection attorney drop the case.

To learn more, read these posts.

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  1. raja says

    i owe 6000 dollars credit card debt and unable to pay it how come i can get out of it legally without bankruptcy as one year remaining in my citizenship.

    • says

      You need to understand how you can legally resist debt collectors even though you do owe the debt. Read my posts on this site and get my books. They come with a 60-day money back guarantee.

  2. karen dickens says

    I read the info on this website….we contacted an atty regarding bankruptcy & was told we did not qualify due to husband’s pension $5231 per month after deductions was too high for our area of yoncalla, OR……we have no alternative to our dire credit card debt situation, but to only submit $50 a month to both Discover cards, as are continuing to experience hardships. I do not want them to garnish husband’s pension. Can they garnish that??

    • says

      They cannot do anything to you without getting a judgment. That means they must serve you with a summons. 90 percent of people who owe do not answer those summons. But, they should. Credit card companies have a great deal of difficulty documenting credit card debt to court standards. Chase Bank has been penalized for over $200 million for providing false affidavits in support of their credit card debt lawsuits. Read my books (They come with a 60-day money backguarantee.). You need to educated yourself about the realities of credit card debt. And, talk to a consumer rights attorney, not a bankruptcy attorney. Attorneys who do not understand consumer debt recommend bankruptcy because they know they can make money if you file bankruptcy with them.

  3. Rafika Woods says

    Hello I need to erase my credit legally without bankruptcy cuz and yes I’ve got $$$$ for my Bankruptcy Attorney But I need to get rid of these bills asap.Thanks,Rafika

  4. Amber says

    I have credit card debt and the sheriffs office has been by to try and serve papers. How do I get them to stop coming?

  5. Sylvia castro says

    I am 83 suffering with cancer. Had to close my business. Have no assets or cash in bank. Only social security.i rent my apartment. I have credit card debt which I used only to maintain my business. I owe about 20,000 dollars. No way to pay. Do I need a lawyer or just stop paying. In the past I have always paid on time and much more than minimum payment

    • says

      Sylvia, I am not an attorney. You should talk to a consumer rights attorney who handles credit card cases in court. In the mean time if you cannot pay, then do not sacrifice monthly essentials for credit card debt payments. Check your email for a message from me.

  6. Kim says

    Thanks for the info, i have about $10,000-$15,000 in credit card debt. I read somewhere that the creditors only have so many years depending on the state to sue you. I believe Texas it was 3 or 5 years to sue and they only have one shot to do so. If I stop making minimum payments all together and that timeframe passes for them to sue, does the debt just fall off my credit report, or does it at least drop off my credit report after 7 years of me not paying? I just want to know how to start over with my credit if I’m not able to pay the debt I have today?

  7. Glenda Gonzalez says

    Hello Iam owe about $30,000 in credit car debt..I really need to get rid of this debt with iut bankruptcy..I cant afford to pay back debt I can afford less to hire an attorney can you please lead me a better way out these debt Iam a single mother witb 4 kids living ina low income budget..I nees out asap.

  8. shirley mcwilliams says

    I’m 70 yrs old and am behind in my credit card debt I live only on a social security income 786 a month what should I do if I am sued if I am served should I appear. Should I try to talk to them and see if they will desolve the debt

  9. Melissa says

    I am disabled divorced single mother that does not receive child support. I owe $10000 in credit cards that I can not pay. On the credit cards they have my name spelled wrong. Would this error help me with avoiding paying? Thank you.

    • says

      No, you need a better strategy than that. Unfortunately I cannot explain how to successfully defeat debt collectors and collection attorneys in 30 words. Debt collectors are powerless. You should read my three ebooks. They come with a 60-day money-back guarantee. Do not let debt collectors intimidate you into paying anything to them. Tell them you do not talk about your personal finances over the telephone with strangers and to put their claim on you in writing. Then respond to that claim with my letter.

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