Filing Bankruptcy to Discharge Credit Card Debt
Have your credit cards gotten out of control? Are you struggling to keep up with minimum payments as your rotating balances increase every month? Do you feel overwhelmed, like you are being sucked down by quicksand?
At the Law Offices of James A. Pixton, we help people escape the spiral of credit card debt by filing for bankruptcy protection. Contact us to schedule a free 30-minute consultation with experienced bankruptcy lawyer James A. Pixton at one of our convenient offices in Oakland, Alameda and Modesto, California.
Clear Out Your Balances and Make a Fresh Start
Many people, when faced with credit card debts they cannot afford to pay, delay the inevitable by taking advantage of balance transfers, using cash advances to pay off existing debts and finding other ways to make the minimum monthly payments on all of their cards. Eventually, it may become impossible to make even those payments. Furthermore, if you are only making the minimum payments on cards with substantial balances, it could literally take you years, even decades, to pay them all off.
Bankruptcy eliminates your credit card debts for good so you can get a fresh start rebuilding your credit instead of continuing to dig yourself deeper into a hole.
Our office will take the time to sit down with you, figure out exactly what you owe and to whom, get those debt obligations included in a bankruptcy filing and help you wipe out your credit card debt.
Under Chapter 7 bankruptcy, your debts will generally be erased within a few months. Under Chapter 13 bankruptcy, you can partially repay your credit card debts and other debts over the course of three to five years, and at the end of that time, your remaining debt to the credit card companies is discharge.
Stop Harassment from Banks and Collection Agencies
Credit card companies and their debt collectors can be particularly vicious with harassment tactics such as calling you at all hours, at home or at work, and threatening you with lawsuits and wage garnishment. Filing for bankruptcy will put an immediate stop to this harassment.
Contact us to have attorney James A. Pixton do a skilled assessment of your personal circumstances and help you decide whether bankruptcy is right for you.
