Credit Cards Lawyers California
If your family is struggling under the weight of overwhelming credit card debt, this cycle is probably familiar:
- You rely on your cards to cover your family’s living expenses in January.
- When the due date for your payment rolls around, you only have enough cash to make the minimum payment, or sometimes less.
- Your creditors hit you with high interest charges and late fees.
- Then you use your cards to make it through February...
- Or open new accounts to cover your interest charges.
- … and the cycle repeats itself in March.
At DebtStoppers, our experienced legal team is dedicated to helping California families like yours break free from this destructive debt spiral. Call or text us today at 323-916-8660 and request a free consultation with one of our knowledgeable California lawyers to learn more about how we can help you eliminate the balances on your credit cards.
The Credit Cards Statute of Limitations in California
The statute of limitations is 4 years under California laws. This means that if your creditor does not sue you for the outstanding balances on your cards within 4 years, they are barred from initiating a lawsuit.
This might sound like a get-out-of-debt-free card, creditors in reality will never let your credit cards go unpaid long enough for the statute of limitations to expire. If you want to get rid of your credit card debt, filing for bankruptcy is a much more practical solution.
Chapter 7 bankruptcy allows you to eliminate the balances on your credit cards and get the financial do-over you’ve been looking for. Even though California law allows a court-appointed trustee to sell some of your possessions to reimburse creditors, DebtStoppers clients typically keep most, if not all, of their belongings.
Protecting Yourself From California Debt Collectors
If you’re tired of dealing with all those annoying collection calls, bankruptcy also offers you protection from creditor harassment. As soon as you file a bankruptcy petition, the court will grant you an automatic stay that prohibits your creditors from trying to collect on your debt or contacting you at all. Sometimes, creditors will ignore the automatic stay and continue to harass you. If that happens, DebtStoppers can — and often will — take them to court at our own cost to get you financial compensation for their violations.
Filing For Bankruptcy Can Eliminate Your Debt
It can be next to impossible for a struggling family to break free of the credit card debt cycle without help. Call or text DebtStoppers today at 323-916-8660 to schedule a free debt evaluation with one of our skilled California attorneys. We will customize a bankruptcy plan for your family’s particular circumstances that will let you leave behind the days of relying on credit cards just to get by.
DebtStoppers in Los Angeles, California, is one of the only law firms in the country that offers a true $0-Upfront Chapter 7 bankruptcy. We’ll file your case and wipe out your debt before we ask for a single cent. Call or text us today at 323-916-8660 to request a no-obligation financial review with a qualified California lawyer.