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Dealing with credit card debt

On Behalf of | Mar 29, 2015 | Credit Card Debt

If you are currently struggling with credit card debt, you are not alone. A large number of Americans have found themselves saddled with credit card bills that they simply cannot pay off. Huge debts are being racked up across the country. However, there are many options for you to look into that can alleviate some of these debts that have been building up.

For example, credit card debt can be wiped out by filing for bankruptcy. If you look into Chapter 7 bankruptcy, you will find that credit card debt falls under the category of unsecured debt. This means that your property is safe from the threat of creditors if you cannot make your payments. Chapter 7 bankruptcy will also provide you with the chance to create a lower payment plan that you can use to tame your debt.

However, if you wait to take action, you may still end up with garnished wages. This is because a credit card company can pursue you if you leave your debt unattended for too long. If they get a judgment against you, not only will your wages be garnished, but you will also have to deal with different forms of collector harassment. Even if they cannot take your property, they can still send letters or collection calls which could become a nuisance to you, or even a threat. Bankruptcy will also eliminate these additional issues.

If you would like to read more about what you can do to recover from credit card debt, please visit the link. It will take you to our webpage, where you can look into further information which may help you determine which option would be best for you to take.

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The Law Office of Kim Covington, is a woman owned debt relief agency, and I have helped families, individuals and small businesses, file for bankruptcy relief under the U.S. Bankruptcy Code, for over 24 years.