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Cornwell Law FIrm
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Duluth, Ga, 30097
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Attorney Keith Cornwell understands the stress clients are under when they have past due credit card payments and realizes how much comfort settling or discharging credit card can bring. Read on to find out more about how to tackle credit card debt successfully.
Many people who file for bankruptcy do so because they have incurred overwhelming debt on one or more credit cards. Even responsible spending gets out of hand quickly when a credit card company charges high interest rates. Many people who are falling behind on their mortgage, car payment, and other bills must allocate their entire paycheck to paying them and have to use credit cards to purchase clothing, food, gas, and other necessities. This is how so many people run up their credit card debit to a point they can no longer make the payments.
Chapter 13 and Chapter 7 bankruptcy can offer relief from credit card debt. Chapter 7 erases all credit card debt and allows debtors to make a fresh start, which is why it is so popular with people who have high credit card balances. Some consumers are not qualified to take advantage of Chapter 7 and still others are better off filing for Chapter 13. With this type of bankruptcy, the debtor makes affordable payments for three to five years to pay off all or some of the debt. When the repayment period ends, any additional debt is discharged.
Bankruptcy may not be the best option for some consumers with credit card debt. Debt settlement plans allow the consumer to negotiate a resolution with creditors by:
Negotiating a debt settlement plan has its own risks for the consumers. Even if an account was handed off to a third-party collection agency, the creditor may continue to contact you about the debt and the payments will remain the same. This is why consumers need to consult with a qualified debt relief lawyer about how to eliminate credit card debt successfully.
If your credit card debt is overwhelming, please call Cornell Law Firm today to schedule a complimentary initial consultation with an experienced attorney.
Bankruptcy Attorney Keith Cornwell is available to help you negotiate a settlement with your creditors or represent you in court, regardless of what stage you are at with your case. Call to schedule an appointment for help even if you missed a court date in your debt collection lawsuit, received a summons to appear in court, received a default judgment or are already having your wages garnished at work. Attorney Keith Cornwell with work with you and may be able to help you eliminate your debt.
Contact Gwinnett County bankruptcy attorney Keith Cornwell today at 404-791-4449 and let Cornwell Law Firm help you resolve your credit card debt.