Get Out Of Credit Card Debt
Although the ultimate goal of bankruptcy is to regain your financial footing and start fresh, many people are most interested in the more immediate benefits — putting a stop to wage garnishment, stopping foreclosure and clearing credit card debt.
I am attorney Randall Steele and I have helped many people in Glen Carbon and the surrounding towns understand the process of filing for bankruptcy and clearing out credit card debt. Call me at my firm Steele Law Offices, LLC, and get the non-judgmental help you need to understand, and when warranted, file for Chapter 7
Credit card debt happens to many people and is one of the most common reasons to file for Chapter 7 bankruptcy. A successful Chapter 7 case provides debt relief by discharging most of your debts, including credit card debt, payday loans, car loans and personal loans. (Certain debts, such as child support, alimony and recent taxes, cannot be discharged.)
Get Protection Under Creditor Harassment Laws
The Bankruptcy Code puts an immediate stop to actions on the part of creditors, including:
- Mortgage foreclosures
- Garnishment of wages
- Repossession of motor vehicles or other personal property
- Collection letters, phone calls or emails
One or more credit card companies may challenge the discharge, claiming the debt you owe shouldn’t be discharged because you committed fraud in creating the debt. For example, a credit card company might argue you weren’t truthful about household income on your credit card application.
It is vital to have an experienced attorney who works on bankruptcy cases regularly to help you negotiate with creditors and fight any charges of fraud or other actions taken against you. For Chapter 7, usually all debts are discharged within four months of the filing, although this can be longer if your creditors file an objection and accuse you of bankruptcy fraud.
I am an experienced credit card debt lawyer who has led individuals through the bankruptcy process for more than 30 years. My law firm understands the difficult situation you are in and I will do my best to relieve your burden and get your financial life back on track.
Ger Back On Financial Track Today
To speak with me about your case, call 618-288-9591 , or email me to schedule a consultation.
I am a debt relief agency. I help people file for bankruptcy relief under the Bankruptcy Code.