Are there government programs for credit card debt because of COVID 19?

Yes, both Chapter 13 and Chapter 7 bankruptcy can help with credit card debt because of COVID 19. In Chapter 13, the debtor makes payments to their creditors according to a court approved payment plan. On the other hand, Chapter 7 does not involve a payment plan. Instead of monthly payments, the bankruptcy trustee will liquidate non-exempt assets to pay creditors.