Credit Card Debt

Staten Island Bankruptcy Attorneys

Your credit card debt was not always so unmanageable. You were making payments, and the amount you owed was decreasing. Then you lost your job. Someone in your family got sick, and the medical bills began to pile up. Suddenly, your debt is not so manageable anymore. I have been helping people out of debt for nearly 40 years. If you are having trouble paying down your debt, I can help. Contact the Law Offices of Charles R. Tropp for a free consultation.

A Streak of Bad Luck

Maybe you have always paid your credit card bills on time but the total debt never seems to shrink, and because you have reached the credit limit you can no longer use the card. In my office, I hear stories like yours every day. I also know how confusing it is to receive collection calls and letters from a company that may have bought your credit card debt for collection from the original lender. Losing a job or dealing with a medical crisis is difficult enough without all the financial trouble that goes along with it.

A Fresh Start – A Way Out of Debt

Job losses or illness are normal events beyond our control. But remember, bankruptcy is a right granted to you by the U.S. Constitution.

Bankruptcy can accomplish many things. It can stop the harassing collection calls. If you are eligible for a Chapter 7, you simply discharge your credit card debt along with your other debt. If you are not eligible for Chapter 7 because of high income or significant equity in your home, Chapter 13 is still an option. With our assistance, you can organize a payment plan that you can fit within your budget. There will be no more interest rate hikes because there will be no more interest.

There is no reason to continue to pay the minimum monthly payment and get nowhere. If you are having trouble paying your credit card debt, contact a Staten Island bankruptcy lawyer for a free consultation. You have more options than you think.