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When you call the standard rate (London) phone number and enter the extension you want to connect to we simply forward the call to the relevant girl's home phone. - Remember, you can use your fixed landline OR MOBILE PHONE at no extra cost, in fact, if you get free minutes in your mobile phone bundle then you won't even pay for the standard rate call to the 0203 number!

Taking Precautions to Protect Your Card Information Handling Card Issues Using Your Card to Make Purchases Community Q&A Using a credit card online for shopping and paying bills is quick and convenient.

You can find a lawyer who specializes in debt collection law through the National Association of Consumer Advocates or your local bar association, says Colin Mabrito, a partner with the Houston-based consumer law firm Joseph & Mabrito.

If money is an issue, you may qualify for free or low-cost legal aid through such programs as lawhelp.org, a volunteer network of attorneys. Just because you're sued by your credit card company doesn't mean you should expect an automatic loss.

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After receiving a summons from a credit card issuer to which he owed ,000, "I was like, 'Oh my gosh, I'm being sued,'" says Golde, who wrote about getting out of debt in the book, "The Do-It-Yourself Bailout." Before the case could go further, Golde spoke to the creditor. Sometimes a creditor isn't willing to withdraw the lawsuit, or you may believe you aren't responsible for the debt.

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