• Bankruptcy Solutions
• Foreclosure Solutions
• Modification & Negotiation
• Credit Card Debt Relief

Bankruptcy is the most effective way to deal with burdensome credit card debt because it is an option that immediately evokes the automatic bankruptcy stay upon filing, causing immediate cessation of all creditor activity against the debtor including collection calls and letters, legal actions by creditors and wage garnishment and bank restraints by creditors having judgments. At the end of the bankruptcy many debts are discharged or permanently eliminated by operation of federal bankruptcy law.

Chapter 7 –

This is the most common bankruptcy and would eliminate unsecured debt including credit card debt

Chapter 13 –

This is an individual reorganization and is needed where chapter 7 is unavailable. The debt needs to be paid without interest over 60 months or 5 years. Where possible a plan can pay a percentage on the dollar.

Chapter 11 –

A business or corporate reorganization and works like Chapter 13 but in a more complex and less structured manner.