No. You won't find any debt consolidation or credit card negotiation schemes here. We don't fool around. We work through the courts using the power of the bankruptcy laws. Why give your creditors any more power over what you are going to do? Its time for you to take control on how you can best get out of debt and when possible, completely eliminating your credit card and other unsecured debt in a Chapter 7. If you do prefer and are able to pay part of it back, you may want to explore whether or not Chapter 13 is a good option for you. Don't let bankruptcy scare you. It is backed by the laws of the United States and yes, it is powerful. I see that as a good thing. If you are considering bankruptcy and live in the Chicago area, I would be happy to speak with you. We are located in Schaumburg and Itasca.