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Filing for Bankruptcy If you owe so much credit card debt that you are never going to be able to pay it back, it may be time to consider filing for bankruptcy. This is a decision that should never be taken lightly because the damage it will do to your credit rating will be substantial. Are You An Identity Theft Victim? Have you fell victim to identity theft? If you have you’re not alone as identity theft is now the number one crime in the U.S. There is an array of different forms of identity theft, but internet identity theft is by far the biggest problem. With hundreds of thousands of credit card transactions going through the internet on a daily basis and hackers becoming increasingly knowledgeable, it is getting to the point where it is risky to shop online.