Credit Card Debt Solutions - How to Legally Avoid Paying Back 50% of Your Credit Card Debt Credit card debt solutions can help you escape your debt. If you find yourself in a situation where you are unable to pay the stipulated amount of money on your credit card transactions, it is time for you to take help. To keep the business going and running in every level, no one regards the debtors with an attitude of compassion. From a creditor's point of view, someone who is unable to pay back a significant portion of the money he or she has borrowed is a serious problem that should be dealt with sharply. This means a lawyer will not get in touch with your creditors and offer a 50% reduction on your debt and will anything in lieu and this is where you will find yourself on the downside of the stick. You must therefore take care when setting up for a discussion session with your creditors so that you do not get sidetracked and end up in a extensions room and losing your case. When proceeding along the course of litigation, it is very important to be properly prepared. The creditors will not take you for a ride. You may be able to get into back tax court, too, which is where you can go when trying to clear some of the larger portions of your debt. Even if you're employed in another city or county, it doesn't matter. There are firms that specialize in bringing people to bar for the right reasons. They have detailed policies and get themselves the right contacts in the industry. They know that if your case is not handled properly, you can file a case and bring a lot more damage than you bargained for. The lender is likely to write off 50% of your unsecured debts. If it's your credit card debt, it can be much, much worse. The options range from bankruptcy to complicated and expensive debt settlement programs. Most of those with credit card debt find that they are dealing with more than their share of adulthood problems. You see very little help to come from the government other than the stimulus package can help some creditors absorb the losses they have to take. If you do insist on getting help, start with a reputable, experienced and legally sound company that can make a case for you. Good luck!