Any debt can become a major issue if it comes as a result of maxing out our credit resources or simply because our financial condition suffers a significant change due unforeseeable circumstances. The United States financial and credit sectors have evolved to embrace viable options to relief customers from unpaid amounts of unsecured debts, especially those related with the use of credit cards or similar credit operations. However, these special options are not designed to charge off outstanding unsecured debt or relief the customers from their financial liabilities and obligations with their creditors.