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Have you ever thought what a debt-free life would be like?

Imagine you're paying $600 per month in credit card bills. You're living paycheck to paycheck and struggling to make ends meet. Sometimes, you've got to put a little bit more on your credit card to make it through the month. But what if you didn't have that $600 credit card bill? What if you could make it disappear?

With proper training and guidance, you could turn your life around financially. An extra $600 per month would mean you could pay your bills, and it would mean you aren't living paycheck-to-paycheck anymore. And, you could also put some money aside for a rainy day so, with every month, you'd be less and less likely to get into credit card debt in the case of a financial emergency.

More importantly, though, you won't be in danger of missing your credit card payments, which can result in exorbitant fees and cause your debt levels to skyrocket. Indeed, anyone who can only afford to pay the minimum balance on his or her credit cards is playing a very dangerous game.

The problem is, if you're playing "credit card debt roulette" like this, getting out of the problem is not entirely easy unless you consider Chapter 7 or Chapter 13 bankruptcy. If you can qualify for one of these bankruptcy processes, you can get yourself back on sound financial feet again. With Chapter 7, you might be able to completely wipe out your credit card debt in one fell swoop. With Chapter 13, you will work with your creditors and the bankruptcy court to devise an affordable monthly payment plan that will resolve your existing credit card debt in a period of three to five years.

If you're interested in learning more about the bankruptcy process, a Washington bankruptcy lawyer familiar with credit card debt issues may be able to help.

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