Welcome to Pay-Credit-Cards.com

I hope that you realize that there are three solutions to credit card debt if you are over your head. There are two nonsolutions. Those are:

1. Don't take money out of your 401k to pay off credit cards.

2. Don't take a larger mortgage on to pay off your credit cards.

So then, the solutions to credit card debt are three. I am not a lawyer or investment counsellor, but rather am showing you options that you can discuss with your professional:

1. You can settle with the credit card company, many times for less than the original balance. You need cash or the ability to make payments on a lesser amount that you owe.

2. You can walk away from credit card debt.  You can either allow garnishment of your income, and possibly your bank accounts only if you get sued by a credit card company, and you can just change your phone number and lay low. After the statute of limitations they can no longer collect depending on the state you have residence in.

3. If you cannot handle the potiential garnishments you can file bankruptcy. This should be a last resort situation because you may be able to settle or lay low first. Since this is not legal advice that I am offering, you need to check with a lawyer if you have any doubts or if you have substantial debt and property.

You do know You are paying Exhorbitant Interest on your Credit Cards, right?

Yes, credit card companies are borrowing at 1/2 percent and lending out at 15-35 percent. It is hard to feel sorry for banks when you are being gouged what amounts to usurious rates in times past. Our corrupt government has no interest in protecting you or your family, and would rather give welfare to the banks in the form of outright bailouts and sweetened loans. The government could care less if the credit card companies pass that savings on to you. If they cared they would cap interest rates. But they have chosen to remain in the hip pockets of international bankers and moneychangers. The only real way to escape the bankers is to quit doing business with them. It is unlikely that enough people will quit doing business with them to effect a change away from bank power and control ruling our leaders. But it is a way for you to establish solvency in your households as you give yourselves the bailout that the government gave to the big banks instead.  Please take a look at my other sites for more understanding of how we got into this gulf of trust between big banks and the general politicians. I have them listed at the left of this content.

I hope that even if you choose to accept debt settlement, debt solutions and the like, that you will still pull your money out of the big banks, and if you want to bank at all, put the money into a credit union or a brokerage house. There is no guarantee of safety anywhere, but the bank crisis is not over.