I had a work mate friend years ago who found himself in credit card trouble.
He did not use a lawyer, but he did have a good accountant, who dealt the credit card companies on his behalf.
If I remember correctly, I think they settled for 1/2 of what he owed.
What I found funny was no sooner did he pay them off when they started sending him new credit cards.
He was totally irresponsible when it came to money, I would not be surprised if got into trouble again.
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