Chapter 7 and Chapter 13 Credit Card Debt Relief
You do not have to let credit card debt control your life. At Richard A. Heller, P. A., our bankruptcy attorneys have been helping people remove their credit card debt since 1990. We have experience discharging debt and establishing repayment plans that fit your budget.
For a free initial consultation with a bankruptcy lawyer, contact us by e-mail or call 407-982-5774. Our Orlando area attorneys will answer your questions about eliminating debt.
Remove Debt With Bankruptcy
At Richard A. Heller, P. A., we provide efficient and cost effective bankruptcy services in Florida. If you plan to eliminate your credit card debt by filing for bankruptcy, you will have two main options:
- Chapter 7: Discharge all of your eligible debt by filing for Chapter 7 bankruptcy. This chapter allows individuals to obtain a fresh start.
- Chapter 13: Establish a repayment schedule that fits your budget. Chapter 13 bankruptcy is for people who can afford to pay back some of their debt. After a three to five year period, all remaining debts are wiped clean.
Our knowledgeable debt-relief lawyers will take the time to explain your options to you and help to lay out the path that will best suit your financial situation.
Defending Clients Against Creditors
It is important to act quickly if your credit card payments are becoming too hard to pay. Once you retain our services, we can begin the process to stop the credit card companies from garnishing your wages and harassing you with phone calls or letters.
Creditors have laws they are required to follow when attempting to collect from debtors. For instance, they must properly warn you of lawsuits prior to attempting wage garnishments, and they are not allowed to place a direct lien on your home. We can help you through any issues you are facing with credit card debt collectors, and help you decide if bankruptcy is the correct option for you.
Professional Debt Removal Lawyers
Contact us by e-mail or call 407-982-5774 to discuss credit card debt relief with competent bankruptcy attorneys. We have the legal knowledge to work through your financial concerns.
