subject: How to Get Rid of Credit Card Debt Without Losing Your Shirt [print this page] In any case, filing a bankruptcy is definitely a no no for your creditors so it is just better to negotiate with them regarding your credit card debts. Though this manner, instead of not collecting anything from what you owe them, at least they are still able to recover or collect a fraction of what you have borrowed from them. In addition to all of the above mentioned, remember to ask help from card specialists or professionals abou