Are collections agencies calling you all day and night? Are you looking for a way to put an end to the harassment? Filing for bankruptcy will halt the harassment and other creditor actions such as foreclosure, repossession and garnishment, unless the bankruptcy court gives the creditor authorization to assert its foreclosure or repossession rights. The experienced lawyers at Tishkoff PLC will guide you through the process, providing the one-on-one representation you deserve. The sooner you act, the sooner we can protect you from the stress and aggravation that comes from collections agency harassment.
Settling Credit Card Debt
Chapter 7, Chapter 11, and Chapter 13 of the Bankruptcy Code all provide options for breaking the cycle of high interest rates, late fees and other fines by getting out from underneath credit card debt. Chapters 7 and 13 will discharge most unsecured credit card debt, freeing you from interest, penalties and an unmanageable financial situation.
While most unsecured debt is dischargeable, our attorneys will evaluate your situation for special circumstances that may cause portions of the debt to be considered nondischargeable. For example, if you paid your taxes with a credit card, that portion of the debt would not be eliminated in the bankruptcy. Also, if the debt was incurred within 90 days of filing for bankruptcy, portions of it may not qualify.
Doing what is right for your situation is our top priority. After carefully examining your situation, we will explain the available options, including the potential advantages and pitfalls. If Chapter 7 bankruptcy is not right for you, then we will assist you in evaluating whether or not Chapter 11 or Chapter 13 makes more sense.