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Blevins & Hong, PC

Marietta, Ga Attorneys At Law

191 Roswell St Marietta, GA 30060

(678) 354-2290

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Credit Card Debt Relief

 

Bankruptcy or Debt Settlement Provides Credit Card Debt Relief

 

The professionals at Blevins & Hong knows how easy it can be to fall behind on credit card payments. Our clients feel massive relief when their credit card debt is settled or discharged. Here is more on how you can learn more about how to tackle credit card debt.

 

Chapter 7 or Chapter 13 Bankruptcy Can Wipe Out Credit Card Debt

 

Massive credit card balances that become overwhelming are the initial reason that individuals consider filing for bankruptcy. Credit cards with high interest rates can quickly lead to large balances, even when reasonable spending occurs. It's also quite common for individuals struggling with other types of debt, like mortgage and car loans, to spend their salaries on those bills, and then rely on credit cards to buy other necessities such as food and clothing. When this occurs, people suddenly become overwhelmed by mounting credit card debt along with their other payment obligations.

 

Individuals can receive credit card debt relief through either Chapter 7 and Chapter 13 bankruptcy. Chapter 7 completely wipes out your credit card debt and gives you a fresh start. However, some individuals may not qualify to file a Chapter 7 bankruptcy case. Thus, Chapter 13 is available for those who do not qualify for a Chapter 7 case. Chapter 13 will allow you to consolidate your debts and pay back a percentage of your credit card debts through a monthly plan payment over a period of three to five years.  When the repayment period ends, the remaining debt is discharged. Contact the attorneys at Blevins & Hong to learn more about the different types of bankruptcy.

 

Considering Settlement as an Alternative to Bankruptcy

 

Bankruptcy filings are not always the best alternative for those with massive credit card debt. Sometimes seeking resolution by negotiating a debt settlement plan with creditors works better. Negotiating directly for debt settlement can help in several ways by eliminating or lowering interest, eliminating late fees, reorganizing payment of credit card debt and halting harassment from creditors via phone calls or email.

 

Before entering into such an agreement, people need to realize that credit card settlement plans have their own set of risks. Accounts that have been referred to independent collections agencies may not qualify for reduced payments. In addition, those agencies may continue to contact you regarding your debt. Encountering such nuances makes it important to talk to a qualified debt relief attorney about the best way to handle your individual situation regarding credit card debt.

 

If you are overwhelmed by mounting credit card balances, talk to an experienced bankruptcy lawyer in Marietta GA about your options. The attorneys at Belvins & Hong will provide a free debt relief consultation to help get you started.

 

 

 

 

 

 

 

 

 

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Blevins & Hong, PC

Blevins & Hong, Marietta attorneys at law

Marietta, Ga Attorneys At Law

Marietta Attorneys.  Bankruptcy.  Personal Injury.  DUI.  Criminal Attorneys.  Civil RIghts.  Blevins & Hong
Marietta Attorneys.  Bankruptcy.  Personal Injury.  DUI.  Criminal Attorneys.  Civil RIghts.  Blevins & Hong
Marietta Attorneys.  Bankruptcy.  Personal Injury.  DUI.  Criminal Attorneys.  Civil RIghts.  Blevins & Hong
Marietta Attorneys.  Bankruptcy.  Personal Injury.  DUI.  Criminal Attorneys.  Civil RIghts.  Blevins & Hong

191 Roswell St Marietta, GA 30060

(678) 354-2290

Open Today: 8am to 5pm

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