Credit card debt is a real burden. For individuals like yourself and also for the economy.  Since our economy has been stagnating at the very least and is based mostly on your spending, you should negotiate credit card debt quite vigorously, so you can free up your credit cards and spend again. And again. In fact, I think our government should offer free classes on how to renegotiate credit card debt yourself. It will probably create more jobs for debt counselors and support stuff than all the bail outs from …