Olathe Bankruptcy & Credit Card Debt Attorney

Kansas City Debt Consolidation and Settlement Lawyer

Credit card debt can quickly spiral out of control. Before you know what happened, the bills pile up and collection agents are relentlessly calling you. The stress can be overwhelming.

My firm, The Law Office of David S. Adams, is here to help you. I will file your bankruptcy paperwork and end creditor harassment. You deserve a second chance. Call (913) 782-5500 or contact me online.

Bankruptcy and Credit Card Debt

The good news about credit card debt is that in most circumstances it is a dischargeable debt in bankruptcy. That means that if you find yourself pinned down by the weight of crippling credit card debt you are unable to pay, bankruptcy could be the solution.

At my Olathe, Kansas, bankruptcy law firm, I will work with you to determine the best plan for you, whether that be Chapter 7 personal bankruptcy or Chapter 13 debt reorganization.

Chapter 7 — In a Chapter 7 bankruptcy, all unsecured debt, including credit card debt, is discharged.
Chapter 13 — This type of bankruptcy allows you to be placed on a three- to five-year repayment plan in order to get your finances back on track. Debt consolidation will help you pay your bills on time. Any credit card debt left at the end of this period will be discharged.

Debt Settlement

Credit card companies would prefer to get some of their money back rather than none at all. As an alternative to bankruptcy, I may be able to negotiate with your credit card company in order to reduce your debt. Whether through bankruptcy or debt settlement, I can help you get out from under your mounting credit card debt.

Ending Creditor Harassment

When you file for bankruptcy, your creditors will no longer be allowed to harass you by phone, mail or visits. As you work through your bankruptcy plan, they cannot contact you. But it is critical that you list all of your debt on the bankruptcy filing. Creditors may continue to seek payment for any debts that you did not cover with the bankruptcy court. So be sure to talk to me about all credit card debt that you owe.

Your Credit Score

Many people fear that filing for bankruptcy will ruin their credit score. If you are unable to pay your credit cards and creditors are calling, your credit is already in bad shape. Filing for bankruptcy can help you rebuild your credit rating.

Stop the downward spiral into crippling debt. Contact me to have an attorney file your bankruptcy claim and get a fresh start.