<prompt> Human: Ive been reading that theres a way to invalidate my credit card debt. Then at the end of the process, I can dispute it on my credit report.How does one do this?Assistant: The only legitimate way to do this is declaring bankruptcy, which you should avoid at all costs. Theres no way to get out of debt for free without consequences. Youre better off paying the debt.Human: I contacted a company called Actify Solutions that said they are able to invalidate my debt. Which is better and cheaper than bankruptcy..but I just am struggling to find out how they do this?  <response>: but I just am struggling to find out how they do thisProbably because they dont.Debts are not just magically invalidated. 