Credit Card Debt

Relieving the Weight of Credit Card Debt: How Chapter 13 and Chapter 7 Bankruptcy Can Help in Mesa, Gilbert, and Chandler

Dealing with credit card debt can feel like a never-ending uphill battle, especially when high interest rates and late fees pile up. For residents of Mesa, Gilbert, Chandler, and the entire East Valley of Phoenix, Arizona, escaping the grasp of credit card debt can seem like an impossible task. However, there is hope on the horizon in the form of Chapter 13 and Chapter 7 bankruptcy. In this blog, we’ll explore how filing for bankruptcy can provide much-needed relief from credit card debt and introduce you to Chapter Bankruptcy Law, PLLC, your trusted partner in achieving financial freedom.

The Burden of Credit Card Debt in Arizona

Credit card debt can easily become overwhelming due to various factors:

High-Interest Rates: Credit cards often come with high interest rates, causing balances to grow rapidly when payments are missed.
Minimum Payments: Making only minimum payments can barely cover interest charges, leading to slow or no progress in reducing the principal balance.
Late Fees: Late payments incur additional fees, compounding the debt problem.
Collection Calls: Harassing collection calls can add stress and anxiety to an already challenging situation.

Experienced Arizona Credit Card Debt Attorney

If your life is being affected by out of control credit card debt, call Chapter Bankruptcy Lawyers to find out how bankruptcy protection is an effective way to eliminate the debt. If obligations to credit card debt cannot be fulfilled, and the amount owed has accumulated so great that payments are missed, call our law firm to consult with a credit card debt lawyer. An attorney can help you evaluate and address your debt, and offer assistance if your credit card debt has resulted in collection activity including:

Lawsuits
Wage garnishment
Bank account attachment
Non-stop collection calls and harassing collection activity
Home lien

Additionally, bankruptcy offers a solution to wiping out credit card debt obligations. Thus, an attorney at Chapter Bankruptcy Lawyers can evaluate your debt by representing your rights and your best personal financial interests. Specifically, our lawyers are experts in legal representation, and knowledgable in the Arizona bankruptcy law. If bankruptcy is not the best action for your credit card debt relief, we will also provide you with options.

In fact, the most common type of bankruptcy filed is Chapter 7. Typically, under Chapter 7, all unsecured debts from credit cards can be discharged, or wiped out.

Eliminate Credit Card Debt

How can you eliminate most of credit card debt, medical bills, bank, finance company, and credit union loans? This means you can eliminate these kinds of unsecured debts in a Chapter 7 bankruptcy. After a Chapter 7 bankruptcy process is complete and a discharge is granted to a client, there is no obligation to pay back the debt. This means the debt is wiped out permanently. It also eliminates any interest on the debt in a Chapter 7 bankruptcy.

How Chapter 13 and Chapter 7 Bankruptcy Offer Relief from Credit Card Debt in Phoenix and Tucson, AZ

Chapter 13 Bankruptcy: This form of bankruptcy involves creating a repayment plan to gradually pay off your debts over three to five years. Credit card debt is consolidated into the plan, and you may pay back only a portion of what you owe, with the remaining balances often discharged at the end of the plan.
Chapter 7 Bankruptcy: Chapter 7 bankruptcy allows for the discharge of unsecured debts, including credit card balances. In most cases, you won’t have to repay any of your credit card debt, giving you a fresh financial start.

Credit Card Debt Relief Through Chapter 13 and Chapter 7 Bankruptcy

Why Choose Chapter Bankruptcy Law, PLLC

If you’re struggling with credit card debt in Mesa, Gilbert, Chandler, or the East Valley of Phoenix, Chapter Bankruptcy Law, PLLC, should be your first call. Here’s why:

Experienced Staff: Their team of experienced bankruptcy professionals understands the complexities of bankruptcy law and will guide you through the process.
Free Consultations: They offer free consultations, allowing you to discuss your financial situation and explore your options without any financial commitment.
$0 Down Bankruptcy Filings: Chapter Bankruptcy Law offers a $0 down bankruptcy filing option, making it easier for you to seek relief from credit card debt.
Low Monthly Payments: They work with you to establish manageable monthly payments, ensuring that you can achieve debt relief without further financial strain.

Break Free From Credit Card Debt

The bankruptcy laws and code were devised to give citizens a means to get out of overwhelming debt. The fresh start that a bankruptcy provides allows for people to get back on track to a productive financial future.

Don’t let credit card debt continue to weigh you down and control your financial future. Chapter 13 and Chapter 7 bankruptcy offer a path to debt relief and financial freedom. Contact Chapter Bankruptcy Law, today to schedule a free consultation and take the first step towards reclaiming your financial well-being in Mesa, Gilbert, Chandler, or anywhere in the East Valley of Phoenix. With their expertise and support, you can break free from the cycle of credit card debt and embark on a journey towards a brighter financial future. Your path to debt relief starts here.

BEGIN FILING FOR $0 DOWN

•

Getting a fresh financial start and wiping out debt begins with a FREE CONSULTATION and debt evaluation with our experienced Arizona Bankruptcy attorney. Chapter Bankruptcy Lawyers offers expert legal representation and $0 down to file your bankruptcy.

• Chapter 7 Bankruptcy • Chapter 13 Bankruptcy • Eliminate Debt with $0 Down • Free Debt Evaluation • Experienced, Trusted Attorney

After evaluating your debt, our attorney will recommend the best means by which to wipe out your debt. Next, upon qualifying for our program, you pay $0 down for legal fees. A payment arrangement is agreed upon in order to make low monthly payments for post-filing costs.

GET STARTED

get IN TOUCH

with an experienced Arizona bankruptcy attorney

CONTACT OUR ARIZONA BANKRUPTCY LAWYERS

•

4500 S Lakeshore Drive Suite 300
Tempe, AZ 85282

480-405-1010

[email protected]