- 1). Search for a legitimate credit counseling agency. Make sure it is a nonprofit organization, and check with your local Better Business Bureau to make sure there are not complaints against the agency. There are legitimate agencies that will help you, but there are also companies with questionable ethics that may put you at greater risk or just take your money. Look for a company that has been open for several years.
- 2). Contact the agency to ask for advice on dealing with your situation. A credit counseling agency will look at your expenses and your income and help you to set up a budget and payment plan. Additionally they will contact your creditors to try to get your interest rates lowered to make payment plans easier.
- 3). Follow the plan that the agency sets out for you. This will help you get out of credit card debt. Stop using your credit cards and change your lifestyle so that you will no longer be in this situation.
- 1). Find phone numbers for several different bankruptcy lawyers in your area. Contact them and ask for referrals or client recommendations. If you know someone who has filed bankruptcy, ask him for the name of his lawyer.
- 2). Set up a consultation with a bankruptcy lawyer about your credit card debt. Most lawyers will schedule an initial consultation for free. Bankruptcy lawyers are familiar with credit card laws and should be able to answer any questions you have about getting control of your credit card debt.
- 3). Determine if you qualify for bankruptcy and decide whether or not it is the right option for you. Bankruptcy can help you get control of your debt, and the judge may set up a payment plan for at least some of your debts. It will have a negative impact on your credit score that will last for several years.
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