A: If there is a credit card that you want to put in this debt relief process and it is held by the same bank with which you have a mortgage or a car loan, it may be best to make sure that the credit card is not cross collateralized with any of these other loans from that banking institution. Additionally, if you have a checking account (no mortgage or car loan) with the same bank that holds a credit card you wish to include in the process, it would be best closing that checking account and moving it to another bank; this is done just as a precaution.