People often wonder how to get out of credit card debt. Almost all credit card debts are unsecured and can and will be discharged in your bankruptcy. It does not matter how much you owe on any one card or whether you are current on payments or delinquent on payments. It is advisable to stop using these cards altogether once you begin to explore your bankruptcy options. Once a decision is made to file a Chapter 7 bankruptcy in Iowa, we will undoubtedly advise you to stop making payments on your credit cards.