Discharge Your Credit Card Debt
If you miss one or two payments on your credit cards, the debt can rapidly spiral out of control. Late fees and increased interest rates allow credit card debt to multiply faster than other types of debt. The balances can take decades to pay off on your own, especially if you only make the minimum payments. However, bankruptcy can help you eliminate your credit card debt.
At Silver, Forrester & Lesser, P.C., we help people who are struggling with credit card bills find debt relief. In many cases, filing bankruptcy will allow you to discharge your credit card debt. To schedule a consultation with one of our Newburgh credit card debt attorneys, please call 845.764.4757 or toll free at 866.687.1338, or contact us online.
Bankruptcy May Be the Solution
Many people find themselves relying on credit cards for everyday needs such as gas, groceries and monthly bills. Although these may not seem like large purchases, they can still add up quickly, especially when high interest rates and penalties apply. Fortunately, filing bankruptcy is often an effective way to eliminate credit card bills.
Credit card debt is an unsecured form of debt that can often be discharged under Chapter 7 and Chapter 13 bankruptcy, unless certain conditions apply. Some of the most common reasons that credit card debt is not eligible include, but are not limited to:
- You took a large cash advance on the card within 90 days of filing for bankruptcy
- You made a significant increase in purchases on the card shortly before filing
- The card was obtained fraudulently
Filing for bankruptcy also provides gives an automatic stay from creditor harassment and collection actions. Creditors will no longer be allowed to contact you, garnish your wages or repossess property once you file.
Contact Silver, Forrester & Lesser, P.C. — Orange County Debt Relief Attorneys
Please call 845.764.4757 or toll free at 866.687.1338 to schedule an attorney consultation.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.