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Credit Card Debt

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We Can Help You Get Out From Underneath Your Credit Card Debt.

Credit Card DebtCredit card debt is both frustrating and stressful. Because of the sky-high interest rates credit card companies charge (which used to be illegal), it can feel impossible to get ahead—even when you’re making large payments each month. It’s easy to feel stuck, like you’re just spinning your wheels.

The good news? There’s a way out. You don’t have to keep throwing money away on interest. Our credit card debt attorney can help you take back control of your finances and start working toward your future.

We Will Lay Out All Of Your Options.

Our legal team will review your situation and explain every option available to you, including bankruptcy and non-bankruptcy debt relief strategies. With more than 80 years of combined experience helping people across North Texas, we’ll help you understand what path makes the most sense for you—and we’ll support you every step of the way.

How Bankruptcy Can Help With Credit Card Debt

Bankruptcy can be one of the most effective ways to deal with overwhelming credit card debt. Depending on your situation, it could either wipe out your balances entirely or make repayment far more manageable.

Under Chapter 7 bankruptcy, most credit card debt—considered unsecured debt—can be discharged, meaning you’re no longer legally obligated to pay it. This option is ideal for people who qualify based on income and have limited assets.

If you don’t qualify for Chapter 7, Chapter 13 bankruptcy  allows you to set up a court-approved repayment plan, usually lasting 3 to 5 years. During this time, you’ll make manageable monthly payments, often with reduced interest or balances.

Best of all, filing for bankruptcy immediately stops collections and interest accrual. That means no more calls from creditors and no more late fees piling up while you’re trying to catch up.

What Credit Card Debt Can and Cannot Be Discharged

Most standard credit card debt can be discharged in bankruptcy, which includes everyday purchases, old balances, and even overdue fees. However, there are some exceptions.

Debts related to fraud—like maxing out cards on luxury items or cash advances right before filing—may not be dischargeable. Courts may also treat co-signed credit card debt differently depending on whether you file Chapter 7 or Chapter 13. It’s important to review these details with a qualified attorney for credit card debt.

Life After Bankruptcy: Rebuilding Credit

Filing for bankruptcy doesn’t mean your financial life is over. In fact, for many people, it’s the first step toward rebuilding stronger credit and better habits.

You can start fresh by opening secured credit cards, paying bills on time, and following a clear budget. Many of our clients see significant credit score improvements within 12 to 24 months after filing

Contact Us For A Free Consultation.

Our attorneys will explain the pros and cons of each option. The choice will be yours as to which route you wish to take. But, you can make that decision after talking with our licensed financial lawyers at no cost. To learn about your options, please call 972-608-0335 today. The confidential consultation is free of charge.

The best way of predicting your future is to research the results we have achieved in the past.

 

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400 Crescent Court, Suite 700
Dallas, Texas 75201

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