The first necessary step to credit card debt relief is getting control of your emotions.
Once you lose the feelings of fear, guilt and hopelessness, you can see things clearly and take action. The way to lose those feelings is through education. Believe it or not, debt collections and collection attorneys have very little power over you. They work on commission. They do not want to spend time with those few consumers who know how to protect themselves with consumer protection laws.
Court decisions and legal events around the country pertaining to debt collection by junk debt buyers and their debt collectors, and collection attorneys are pointing to increased protection for consumers, who owe credit card debt they cannot afford to pay it..
The bottom line is if you resist in writing properly, you are likely to not hear from them again.