Yes, there is a better way, it is called Debt Neutrality.
Please consider signing the Debt Neutrality Petition by by clicking here.
Apparently, the reason why the credit card debt went into default is irrelevant to the judge, OUCH!
"Your honor, it is UNCONSCIONABLE for credit card companies to lure me into using their adhesion contract product without clearly warning me that there would only be a "debt restructure AFTER declaring me in default, and then having me face default because of a glaring defect in the credit card debt agreement."
Even cigarette packaging now requires health warnings, why not credit cards?
Anyone who accumulated credit card debt before the credit card reform bill act of 2009 was given a defective product and new agreements should be negotiated with each and every customer who desires one.