Credit Card Debt Relief
California Credit Card Debt Relief Lawyer
Modesto Consolidation Attorney
Eliminating Credit Card Debts through Bankruptcy
Have your credit card debts become so high that they prevent you from paying other bills? Are the late fees and interest charges alone beyond your ability to pay?
If you find yourself struggling to pay your debts, you may want to consider bankruptcy as a solution. By filing for bankruptcy, you may be able to eliminate many or perhaps all of your credit card debts. The cash flow this frees up can enable you to pay your important debts such as your mortgage, monthly rent or car payment. You can face the future with hope again.
The Thomas Hogan Law Office has helped thousands of people like you get credit card debt relief and a fresh start in life.
Call (209) 214-6600 to arrange for a free fifteen-minute consultation.
A bankruptcy filing requires you to make only one appearance — and that is before a bankruptcy trustee (not a judge) in a relaxed but business-like hearing.
Credit Card Debts Are Dischargeable
Credit card debts, like other unsecured debts such as medical bills, are completely dischargeable in bankruptcy. That means that at the end of the bankruptcy process, your unsecured debts are discharged. During that time, creditors are prevented from adding additional fees or interest charges to your outstanding debt. Successfully filing for bankruptcy can lead to credit card debt relief and the chance to make a new financial beginning.
Thomas Hogan can advise you whether a Chapter 7 bankruptcy or a Chapter 13 bankruptcy is better for you. Once he files for you, all creditor harassment stops as do the threats of foreclosure and repossession.
The Thomas Hogan Law Office can handle all tasks related to your bankruptcy filing, from start to finish.
Discharging Cash Advance Debts
At the hearing before the bankruptcy trustee, attorney Thomas Hogan will present documents that list all of your debts and a plan for the re-payment of secured and non-dischargeable debts. Your creditors have the right to object to this plan.
Here are two instances when objections typically occur:
* When the debtor has significant cash advances in the credit card debts
* When it appears that the debtor has made an unusual amount of credit card purchases in the months leading up to the filing
Thomas Hogan will review your situation. If your credit card debts are such that your creditors will likely object to their discharge, Mr. Hogan can negotiate with your creditors to fight for reductions in the amounts owed for questionable cash advances and purchases.
Free, No-Obligation Consultation • Call Today
For a free fifteen-minute consultation with a lawyer at the Thomas Hogan Law Office about getting credit card debt relief, call (209) 214-6600 or send the firm an e-mail. The firm’s offices are conveniently located in downtown Modesto, California, just off Highway 99.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.