Legal debt companies do have the ability to deal with overdue credit cards, but this is not a necessary means. In fact, in many cases, individuals can solve problems by themselves without resorting to professional companies. The key point is that if you really face the risk of being sued late, the first task is to reach a settlement as far as possible before the lawsuit. Even if the mediation fails, you should actively deal with it within the statutory execution period, and don't easily pay unnecessary fees.

Law firms can handle certain legal procedures, but it doesn't mean that they can solve the problem of prosecution in all cases. In case of prosecution, it is usually recommended to seek legal advice, but it is not necessary to hire a lawyer. Credit card arrears disputes usually belong to civil cases, not criminal cases. Even if you are sued, the final result is usually just asking for repayment, and you will not face the risk of imprisonment. Failure to perform the debt may lead to becoming an executor of dishonesty, but criminal responsibility does not apply.

Generally speaking, although legal firms have certain functions, the specific situation depends on individual circumstances. When encountering the problem of overdue credit cards, it is wise to try to solve it by yourself first, and then seek professional help when necessary to avoid unnecessary expenses and complications.