Rochester Credit Card Debt Attorney
It can be easy for credit card debt to spiral out of control. If you start paying for necessities on your card that you cannot afford, or if you rely too heavily on credit, you can find yourself under a mountain of debt. Through bankruptcy, however, you can discharge your credit cards and other unsecured debts under Chapter 7 and get a fresh start. Your income may be too high for Chapter 7 or you may precluded from filing under Chapter 7 for other reasons. Chapter 13 bankruptcy allows you to pay a percentage of your credit card and other unsecured debt, without interest, through a Court appointed Trustee. Chapter 13 can also be used to stop foreclosure and pay back all your mortgage arrears over the term of the plan. You make one monthly payment to the Court Trustee who then sends out checks to each of your creditors depending on the claims filed.
I am Robert A. Schwartz, a Rochester credit card debt lawyer. I can help you get the debt relief you need. Contact my law office for a free consultation.
I have represented clients in bankruptcy for more than 30 years. From my office in Rochester, New York, I can help you understand the bankruptcy process, determine if bankruptcy is right for you and help you develop a debt relief strategy that meets your needs.
Managing and Discharging Credit Card Debt
When you work with my firm, I will help you explore every option to help you with your credit card debt. This includes looking at alternatives to bankruptcy such as lump-sum settlements if you have those resources available.
When your credit card debt is unmanageable, bankruptcy can provide a solution. In Chapter 7 bankruptcy, you can discharge your credit card debt and other unsecured debt. In Chapter 13 bankruptcy, I will propose an affordable payment plan. At the end of this three- to five-year plan, any credit card debt will be discharged. Additionally, in either type of bankruptcy, you can stop creditor harassment, stop foreclosure, stop wage garnishments and stop vehicle repossessions.
The type of debt relief plan you choose will depend on your situation and your needs. I can help you weigh your options and develop a plan that helps you meet your financial goals.
Contact a Monroe County Debt Relief Lawyer
Do you need help with your credit card debt? Contact New York attorney Robert A. Schwartz today at (585) 351-2929, or contact him online. The law office of New York lawyer Robert A. Schwartz located in Rochester, New York, offers free initial bankruptcy consultations. Business hours are from 9 a.m. to 5 p.m. Monday through Friday.