These credit card companies are almost a scam with the preditorial lending going on these days. They can basically raise your rates for no reason at all. All creditors eventually will settle with you if you are having a hard time keeping up. Don't let them scare you into taking food off your table. Their unsecured and there is no debtors prison.. There are only a few companies that actually structure proper programs to help resolve the debt with you that do not escrow your money??
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