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Credit Card Help

Credit Card Debt Help

Most adults living in America has some credit card debt. In January of 2009, the combined credit card debt of every American reached $963 billion. Over the last decade, this debt has grown by 25 percent.

So if you’re struggling with credit card debt, you’re hardly alone. And despite recent attempts to enforce tighter regulations, credit cards are still tricky. Frequently, people find their credit card debt spirals out of control because of:

  • Hidden fees
  • Overnight rate increases
  • Undisclosed interest rate increases
  • Late fees

If you're struggling with credit card debt and unsure how to make sense of your finances, you can discuss your situation and your legal options with a bankruptcy attorney. Arrange a free, no-obligation bankruptcy consultation today. Simply fill out the form below to get started now.

Making Sense of Your Credit Cards

With credit cards, one late payment could quickly multiple your balance. And then, before you can blink, you could be getting phone calls and letters from credit card companies.

Fortunately, there are many tools at your disposal to help you get your credit card debt under control.

Perhaps the most powerful credit card debt elimination tool is filing bankruptcy. In many cases, bankruptcy can have your credit card debt dismissed and eliminated.

What's more, the rulings of bankruptcy are protected by the U.S. Courts. Bankruptcy rulings are final, and credit card companies must accept them.

With debt settlement, your offer could be rejected and credit card companies could still file lawsuits against you. Plus, you may still need to make regular payments.

When you file bankruptcy, however, you don't have to negotiate with credit card companies and they can’t reject your offer. Plus, thanks to the automatic stay, once you file credit card companies are legally bound to stop calling and sending collection bills. If they don’t, you could sue them.

If you want to know exactly how filing bankruptcy can help get rid of your credit card debts, speak with a local bankruptcy lawyer. Simply fill out the form on this page and we’ll connect you with a bankruptcy attorney near you right away.

Chapter 7 bankruptcy could lead to a complete discharge of your credit card debt. Learn how by speaking with a local bankruptcy attorney.

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