Are your creditcards playing havock with your credit report? First get rid of them. Then clean up your credit report. You might even be able to get agressive with your cleanup in small claims court. See this website for details.
I don't usually recommend being litigious, however, if you don't defend your legal rights and you let these companies trash your finances by trashing your credit report, it enables their abuse. It harms your family. The biblical way to approach this kind of disagreement is to approach the party and attempt a resolution - by all means do that first. What you will most likely find is that they won't cooperate. If you can't come to a resolution and they won't submit to biblical principles in their treatment of you, then the scriptures allow you to sue. It is a last resort.
However, you may want to consider the wisdom of these scriptures.
Isa 59:44
No one sues righteously and no one pleads honestly.They trust in confusion and speak lies;They conceive mischief and bring forth iniquity. NASU
1 Cor 6:7
7 The very fact that you have legal disputes among yourselves shows that you have failed completely. Would it not be better for you to be wronged? Would it not be better for you to be robbed?TEV
1 Cor 6:1
If any of you has a dispute with another, dare he take it before the ungodly for judgment instead of before the saints?NIV
This is a tough spot to be in. Just avoid creditcards altogether, because you entagle yourself with those who have intent to trap you. Once your trapped, there is no sure way out of your dilemma.
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