Filing Bankruptcy Can Eliminate Credit Card Debt… Texas Debt Relief
Filing for bankruptcy to get rid of credit card debt is the best option for many people in Texas. If your credit card debt has gotten out of control and the minimum payments don’t have any affect on the balance, maybe you should consider filing for bankruptcy. Making only the minimum payment on your credit cards, or not being able to make the minimum payment on your credit cards at all is one of the signs that you should consider filing for bankruptcy.
The Texas Bankruptcy Attorneys at The Law Offices Of R.J.Atkinson can help you file for bankruptcy to get rid of your credit card debt or reduce your credit card debt based on your disposable income. If you are eligible to file for Chapter 7 Bankruptcy, you will be able to eliminate your credit card debt. If you file a Chapter 13 Bankruptcy, you may be able to force the credit card companies to accept pennies on the dollar for your credit card debt. Either way, bankruptcy can provide relief from your credit card debt. If you have credit card bills that have gotten out of control or credit card debt that will take you many years to repay, contact the Texas Bankruptcy Lawyers at The Law Offices Of R.J.Atkinson for a free initial consultation and a free bankruptcy means test. Bankruptcy might be an option to get rid of your credit card debt, or reduce your credit card debt to payment terms you can afford.
One of the most basic images of getting out of debt is cutting up your credit cards. There is a reason for that. It’s probably because credit cards are such an easy way to get into debt. If you’re not careful, credit card debt can grow from a small amount to a big amount in a very short period of time. When that happens, credit card interest compounds and accrues until you pay off the credit card debt. If something unexpected occurs such as a job loss, medical illness, or other event that affects your finances, your credit card debt can grow from bad to worse, sometimes making it almost impossible to ever see the end of the dark credit card tunnel. Some people never recover from credit card debt without filing for bankruptcy. Others spend years making a little more than the minimum payment due with the hope that some year, they’ll get out of debt. Many more use credit counseling or credit card settlement companies to address their credit card debt. If you are in credit card debt that has become burdensome and unpleasant, make sure you contact an experienced Texas Bankruptcy Lawyer to help you see what the best option to address your credit card debt may be.
Credit card companies encourage you to spend more now and pay later, because as long as you make your minimum payment it’s all good. The credit card company makes the “minimum payment” sound like they are doing you a favor. In essence, the credit card company gets more interest which really makes it much easier to sink further into debt and force you to carry more debt which often takes people way beyond their ability to ever pay off their credit cards. Credit card companies make charging on their credit cards easy and likewise, make credit cards appear to be responsible, cool, or sexy to use, depending on what advertisement you look at.
Credit cards aren’t bad per se. In today’s world you need a credit card to do many things, such as rent a car, check into a hotel, and buy things online. Unless you over use them, or use them irresponsibly, credit cards do have benefits.
If some kind of setback happens in your life and you find yourself carrying credit card debt that you may never reasonably pay off, contact us. We may be able to answer your questions about Credit Cards and Bankruptcy or questions about filing for Chapter 7 or Chapter 13 Bankruptcy to reduce or get rid of your overwhelming or burdensome credit card debt.
If you live in Houston, Austin, San Antonio, San Marcos, Dallas, New Braunfels, Waco, Victoria, Plano, Garland, Arlington, Boerne, Seguin, or anywhere in the State of Texas, contact The Law Offices Of R.J.Atkinson at for a free initial consultation to discuss your legal options to deal with your credit card debt. We have helped thousands in Texas eliminate millions of dollars in credit card debt. Maybe we can help you. Don’t let Credit Card Debt ruin your life.
Chapter 7 Bankruptcy Gets Rid of Credit Card Debt…
Contact Texas Bankruptcy Attorney R.J.Atkinson: 800-436-9056