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Attorneys, Lawyers and Law Firms help individuals by negotiating with the banking industry to obtain loans, credit and mortgages, on favorable terms, for appropriate purposes, and by renegotiating terms when warranted, sometimes as an alternative to bankruptcy. They also help consumers who have been victimized by the banking and credit card industries, including card issuers, the large card exchanges such as VISA, Mastercard, Discover and American Express, and through improper solicitations, unreasonable and unauthorized charges, unfair and illegal interest or terms, discriminatory practices, etc. Banking and Credit Card Attorneys also may represent people victimized by credit/debit card or identity theft, and sometimes also represent banks and other issuers of credit cards.