We are in an extreme recession brought about by greedy bankers charging cardholders 30 percent interest rates and a "think tank" of executives searching for ways to add more fees to keep you impoverished not for 20 years but for 30 more years.
If you want extreme answers then you need to stop looking at debt reduction of 50%, bankruptcy, credit counseling, consolidation loans and all the other assorted rehashed methods of settling your card debt.
If you want to really get extreme then you are going to have to take matters into your own hands.
The search term " frontline: the card game" will explain how you arrived at this point of your financial life just as millions of others have done and most will go digging a deeper hole trying the same old methods of getting themselves out of debt with a 92% failure rate.
Having money is just more motivation to try the old ways of debt removal.
These poor souls must save the most important thing in life, their "credit score" and they will spend one fourth of their life trying to save it and never get far enough ahead to use it.
Being unemployed with no money to pay the plastic demon provides you the perfect starting position to run the next 20 years of your life debt free while others are "beating a dead horse" trying to get back to where they were before the first venomous injection of the plastic snake that bit them.
So what is the credit card debt extreme answer? You will find the answer in the Fair Debt Collection Practices Act on the governments official website and pay very close attention to the bottom of the page where you will see "The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them.
" Although you may not understand at first, Uncle Sam is going to lead you by the hand to show you exactly how to stop collection calls and how to demand proof that you owe some loony money.
Just because someone sends you a letter demanding money does not mean you owe them.
Even if some nut files a lawsuit against you claiming that you owe them money, there is no need to worry because Uncle Sam will be right there in the courtroom with you waving the American flag just as he has done for the last few hundred years when any citizen needed help.
Credit card debt--extreme answers just seem extreme because you did not know how the system works.
Paying a $500 credit card charge for the next 20 years is extreme! It pays to take your debt to the next level, end it, move on and never get caught in the debt trap again.