Credit Card Lawyers by State
Millions of hardworking families across America are suffocating under the pressure of overwhelming balances on their credit cards. We have helped countless families find relief from the destructive credit card debt cycle.
If you need immediate relief from your credit cards, call or text DebtStoppers today to request your free one-on-one financial evaluation with one of our accomplished debt relief attorneys. We can help you get out from under the balances on your credit cards and breathe freely again.
Find Help From Credit Card Lawyers Near You
While bankruptcy is created by federal law, you need to seek assistance from a local attorney in the process. States interpret the rules differently, so you'll want an experienced attorney licensed in your state on your side. Our lawyers have years of bankruptcy experience in the jurisdictions where we practice and can help guide you through your state's specific process.
What Are the Fees?
DebtStoppers' legal charges vary from case to case, but they are among the most reasonable rates you can find. We'll even advance your $335 Chapter 7 filing fee so you can get the relief you need from your cards for $0 upfront. Affordable payment plans for our fees are always available, so you can obtain relief now and pay later.
You have your pick of alternatives when it comes to paying off your credit cards. However, bankruptcy is the ONLY OPTION that offers complete relief from your debts.
Let's run through your choices:
- Try to pay off the balances on your cards on your own. The issue here is that your creditors will hit you with new interest charges each month, making it nearly impossible to pay off your cards this way.
- You could also try a debt consolidation loan, but all this option does is replace your credit cards with personal loan debts. It does nothing to offer relief from debt.
- What about working with a debt settlement company? While their offers sound great, these companies like to promise results they can't deliver. They'll tell you to stop paying on your credit cards and just pay them instead, which will destroy your credit score and do nothing to eliminate your debts. You could even end up with a lawsuit on your hands if your creditors decide to sue.
The final (and most effective) option is to file for Chapter 7. Bankruptcy laws enable you to eliminate the balances on your credit cards and start over fresh.
Are There Any Risks?
Nothing in life is 100% risk-free, but working with an experienced DebtStoppers attorney can reduce your risks while filing for bankruptcy. The three most substantial risks include:
- Loss of property
- Non-dischargeable debts
- Denial of discharge
Loss of Property
As a "liquidation" bankruptcy, Chapter 7 technically allows a court-appointed trustee to sell your assets to repay creditors. However, DebtStoppers clients usually keep most, if not all, of their possessions during the Chapter 7 process.
Some debts, such as domestic support and education loans, cannot be discharged in a bankruptcy. At DebtStoppers, we thoroughly educate our clients BEFORE they file on which debts can be eliminated and which cannot.
Denial of Discharge
Denial of discharge only occurs in the case of a false statement of fact, omission, or other fraud. When our clients are required to provide information to the court, we work with them to ensure nothing is inadvertently left out or misstated.
Why Do You Need an Expert Debt Assessment?
Bankruptcy law is complicated, and you shouldn't try to figure it out on your own. Call or text DebtStoppers today to schedule a $0 one-on-one case assessment with an experienced debt relief lawyer. You can count on us to get you the most relief possible.
DebtStoppers is one of the only law firms in the country that offers a genuine $0 upfront Chapter 7. Call or text us today to claim your free consultation.