Massachusetts Credit Card Debt Attorney With Ten Years of Experience
Credit card debt is the most common financial trouble people experience. Credit card companies draw customers in with tempting introductory offers. They offer high credit limits. They may even allow people to skip a month of payments. After encouraging card holders to build up debt, they start demanding payment of the balance, plus fees and interest.
At the Law Offices of Patrick M. Culhane in Holbrook, Massachusetts, we understand how easy it is to accrue credit card debt. Our experienced attorney, Patrick M. Culhane, has been helping people struggling with this kind of debt find relief in bankruptcy for ten years.
Eliminating Credit Card Debt Through Bankruptcy
The most common types of bankruptcy are:
- Chapter 7 bankruptcy — With this plan, your credit card debt is completely discharged.
- Chapter 13 bankruptcy — In this type of bankruptcy, you make affordable payments on all your debt, including credit card bills, over 36 to 60 months. After that time, the remaining credit card debt is discharged. While you make payments under this plan, the creditors cannot charge you late fees or interest.
As soon as you file for either type of bankruptcy, you are granted an automatic stay. That means the credit card companies must stop all debt collection actions. You will have legal protection from harassing phone calls or letters demanding payments.
To learn if you qualify for Chapter 7 bankruptcy or Chapter 13 bankruptcy under the means test, call our office at 781-767-7350 or 888-667-5698.
Credit After Bankruptcy
Contrary to what you might believe, bankruptcy can be an opportunity for you to improve your credit score. While your score will be low for two years after filing, after that time you can begin to build your credit score.
With your credit card debt eliminated or greatly reduced, you will most likely be in a better position to build good credit.
Using Our Knowledge to Get Results
To learn if bankruptcy is the right way for you to get out of credit card debt, contact us online or call our office locally at 781-767-7350 or toll free at 888-667-5698 to schedule a free initial consultation with a knowledgeable lawyer.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
