I never late for any of my payments except one time, one of my credit card companies changed the grace period and kept it low key and because of that, I was late for 1 day and becuase of that, they raised my APR from 3.99% to 29.99%. When I called them, they kept saying this was not their responsability and nothing they can do and NOT even listened to my reasons. I have no choice but to file bankruptcy.
This website will give helpful Answers :
http://legalforms.lifetips.com/cat/60797/filing-for-bankruptcy/index.html
Best of Luck, friend.
