In case you missed it, banks are trying to charge you more as quietly as possible. Read about the charges here: Banks Quietly Charging More.
I point this out because every single day I encounter people who are embarrassed to be in my office, and tell me they feel bad about not paying back “their debts.”
This is just more proof that loyalty does not exist in your relationship with banks or credit card companies. They will charge you as much as they possibly can.
To exercise your legal rights, just like the banks are, you should talk to an experienced bankruptcy attorney.