Tacoma Bankruptcy Lawyers

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(253) 444-5869
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Tacoma bankruptcy attorneys.
Tacoma bankruptcy lawyers serving Washington State.
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All Tacoma Chapter 7 & Chapter 13 bankruptcys handled throughout Washington State.
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Wipe Out Your Credit Card Debt

Tacoma bankruptcy attorney, Erin M. Lane

FREE phone consultation: (253) 444-5869

Eliminate credit card bills with bankruptcy in Washington State.

Eliminate credit card bills with bankruptcy in Washington State.It’s easy to allow credit card debt to mount until you realize too late that it’s impossible to pay them back. You may max out one card and start living on another just to make minimum payments, hoping that your income will finally go up.

Credit card companies can see this situation and when you start missing payments or reach your credit limits, they can suddenly see you as a huge risk and charge you higher interest and fees. It seems unfair that creditors suddenly come down on people who are least able to pay.

It also seems irrational when they refuse to accept at least what you are able to pay. From their perspective, they want you to pay what you agreed to and they also hope to be the one creditor that gets paid if you can’t pay everyone. You can suddenly feel the heat of credit card companies coming from all sides.

Filing for bankruptcy in Washington State STOPS credit card collections.

How can you wipe out your credit card debt? Bankruptcy. It stops credit card companies from collecting as soon as you file. It doesn’t matter if you have been able to stay current, you are months behind or are in the middle of a garnishment. Bankruptcy not only provides you with relief, it is an orderly way for credit card companies to share equally in what can be paid. In most Chapter 7s, they have to accept that they are paid nothing. In a minority of Chapter 7s, they share equally in what can be raised from the sale of your unexempt property. In a Chapter 13, they are paid anything from 0% to 100% depending on your income and expenses.

You may consider settling with your credit card companies. Some businesses offer settlement counseling and assistance but it’s difficult to know who to trust. Settling for less than what you owe often hurts your credit score as much as bankruptcy and it is notoriously unreliable.

You can not pick and choose which credit cards to include in a bankruptcy. Even if you have a credit card with no balance, it will be cancelled. You can learn to live without credit cards after bankruptcy as you rebuild your credit. At some point you will qualify for a credit card again but for a while you may have to use a debit card for the convenience.

You may have to start out with a secured credit card. A secured credit card is guaranteed by a cash deposit that the credit card can use to pay the card in case you don’t make the payments. If you are able to use the credit card and pay it off, your credit rating will increase and you will qualify for a regular credit card.

FREE consultation with our Tacoma bankruptcy lawyers - call now!

Wipe out your credit card debt and get back on the road to financial recovery. Call today for your FREE case evaluation with one of our experienced Tacoma bankruptcy lawyers.

Our Washington State bankruptcy attorneys are here to help you get a fresh start in life!

Learn how to eliminate credit card bills with bankruptcy in Washington State. Call our Tacoma bankruptcy lawyers today!

Tacoma, WA: (253) 444-5869

Tacoma Bankruptcy Lawyers | Contact | Site Map
201 St. Helens Ave, Tacoma, WA 98402     Tacoma: (253) 444-5869