In 2005, the Bankruptcy Abuse Prevention and Consumer Protection Act was passed and was announced to the public. This act requires consumers to get into credit counseling before filing for bankruptcy.
Consumer credit counseling agency aims to help those people who have debt problems with their repayment obligations and teach them how to manage their finances more effectively.
Read full article about How To Choose a Credit Counselor Wisely
I am amazed to know about the charges for intensive use of a credit card.
Zoran, I fully support your view-point.