Bankruptcy credit card consolidation is the only reprieve left for individuals, who have reached a point of no return as far as their debts are concerned. The American society is plagued with a very essential evil. Moreover, the name of the evil is credit card or plastic money. This money does not belong to you but is given to you for expenditure. You cannot save this money, you can only spend it. In addition, it is the nature of humans – ‘have gun will shoot’. Therefore, as soon as an individual gets his hands on a credit card, he/she starts to purchase all things of necessity at first, which includes education. Slowly one starts spending on consumer items and then all caution is thrown out of the window and you start spending right left and center. Hardly any thought is given to where the money is coming from or at what expense. Neither do you give any thought of repaying the amount you are spending.Carelessness Leads To BankruptcyWhen you are in college or pursuing higher studies, it never crosses your mind that one day you would be standing in the queue for taking bankruptcy credit card consolidation. You have the rosy picture of a comfortable job under your belt, as soon as you leave college. However, your joy turns into gloom when you face the stark realities of life and realize that not everything that glitters is gold. You end up doing a desk job, which is not sufficient to make two ends meet; it is just not possible for you to pay the huge debt you have incurred on expectation and anticipation until now. No wonder, so many applications come for bankruptcy consolidation in the offices of consolidation companies all over the United States every day.Thanks to the internet, you can now have complete information about bankruptcy credit card consolidation and choose a company to consolidate your debts. If you are afraid to make a beginning, then ask your chosen company to appoint a personal counselor, who will guide you systematically through the process of free consumer debt consolidation until you become confident of the benefits you will gain through credit card debt consolidation.You have to tell everything to your counselor about your creditors, the amount of loan, your income and expenditure, your savings up till now, your assets, if any. So that the counselor is able to make an informed decision about which consolidation plan will suit your particular needs. Once the plan selection is made, the counselor will then proceed to contact your creditors, negotiate for lower rates and installments in your favor, and then arrive at an installment for your balance loan amount, which you can pay off easily every month and avoid bankruptcy. All this can be done with the help of bankruptcy credit card debt consolidation.