Tap to Call - (877) 250-8242

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.

Tap to Call - (877) 250-8242

PAID ATTORNEY ADVERTISEMENT: THIS WEB SITE IS A GROUP ADVERTISEMENT AND THE PARTICIPATING ATTORNEYS ARE INCLUDED BECAUSE THEY PAY AN ADVERTISING FEE. It is not a lawyer referral service or prepaid legal services plan. Total Bankruptcy is not a law firm. Your request for contact will be forwarded to the local lawyer who has paid to advertise in the ZIP code you provide. Total Bankruptcy does not endorse or recommend any lawyer or law firm who participates in the network nor does it analyze a person's legal situation when determining which participating lawyers receive a person's inquiry. It does not make any representation and has not made any judgment as to the qualifications, expertise or credentials of any participating lawyer. No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers. The information contained herein is not legal advice. Any information you submit to Total Bankruptcy does not create an attorney-client relationship and may not be protected by attorney-client privilege. Do not use the form to submit confidential, time-sensitive, or privileged information. All photos are of models and do not depict clients. All case evaluations are performed by participating attorneys. To see the attorney in your area who is responsible for this advertisement, please click here, or call 866-200-8052.

FLORIDA ONLY: Total Bankruptcy is considered a lawyer referral service in the state of Florida under the Florida Rules of Professional Conduct. By all other standards, Total Bankruptcy is a group advertisement and not a lawyer referral service.

If you live in Mississippi, Missouri, New York or Wyoming, please click here for additional information.

By an Act of Congress and the President of the United States, we are a federal Debt Relief Agency. Attorneys and/or law firms promoted through this Web site are also federally designated Debt Relief Agencies. They help people file for relief under the U.S. Bankruptcy Code. Disclosures Required Under the U.S. Bankruptcy Code.