Credit card companies have been pushing people to use credit cards for years. Unfortunately, many people have used credit cards with the expectation of repayment only to find themselves without a job, with significant medical bills or another issue that has prevented them from repaying credit cards. A bankruptcy may allow you to either restructure the payments on your credit cards or to discharge your credit card debts - in other words the credit card debts are extinguished. You do not have to live in fear of collection calls, harassment, or lawsuits from credit card companies. Bankruptcy can relive you of significant debts that will not go away when credit card companies want you to pay 15%, 20% and 35% interest on the debts.