You can keep twice your monthly check amount in the bank as well as your IRA & they can't touch it. I believe in paying anything I owe but found this 5013C Law firm helping a friend in financial trouble. Just make a phone call & they will send letters to your creditors & you'll never get a phone call or letter from a creditor or debt collector. I just thought in these trying times this info may help people struggling with CC debt. It sure helped my friend.