You Are Entitled To Debt Relief

To maximize profits and outperform their competitors, credit card companies aggressively market their services, knowing that some customers will not be able to repay their balances.

The companies freely adopt these practices, recognizing they will lead to a "cost of doing business" from losses when balances due are beyond some customers' means to repay.  Still the credit card industry as a whole earns over $30 Billion in profits in a single year.

Credit card companies accept these losses as a price they must pay to win a larger share of the profits available to the industry as a whole.  Of course, they do not accept losses casually.  They pursue collection efforts vigorously, assuming the customer is "guilty until proven innocent."

Creditors accept losses only as a last resort, after a clear demonstration that repayment in full is truly beyond the customer's means.  What credit card companies view simply as a cost of doing business should not ruin your life.