Wondering how to get there is really a solution for this problem that is growing although debt torments the heads of millions of citizens and anyone can do it. The biggest problem you face is overcoming fear by a lack of knowledge. Step one is to stop Paying and quit worrying about it. Card companies send a few notices that will become more threatening. If do not pay before closing your accounts the business is going to threaten to turn your account over. The card company will because they cannot show a loss not sue you. To legally prove damages the company must establish aloes occurred which is impossible because no money was loaned. An account has been opened by which debt flowed, not cash.

Step two begins when your account information is sold by the lender to a collection agency to get a few pennies on the dollar of the amount. Here is where folks lose their wits and get scared. The Fair Debt Collection Practices Act explains how to react to their telephone calls and collection finds that are written. This step will require one to inform collectors to communicate with me in writing and hang up the telephone. This will induce the collection agency to send a written communication demanding that you give them money and you answer with a need for proof that you owe them anything. Collectors Ca not prove that you owe anything to them. They do not have any contract with you. The one thing they have is outdated account. You have established a contract with them give them nothing except your demand letter, if you give them money.

Step three is required only if lawsuit against your files. It is referred to as a statement of denial. You say something to the effect that refuse this is my debt but when it is my debt, I deny it is a legitimate debt and if it is a valid debt that the amount is wrong and file the statement with your clerk of court and send a copy to the collection business. The step will induce a Witness to be produced which has personal knowledge of your accounts. The witness produces an expert opinion it is your signature or must create a written contract. These items are not going to happen. How to get out of credit card the knowledge that you learn how to escape credit card debt will be forced to give up on you and move on to somebody who does not understand the steps that are simple involved and is currently living in fear. You can free yourself of credit card debt as with no cash.