You probably never expected to be in this place. After losing your job, going through a divorce or dealing with another life-changing experience, you may have been forced to deplete your savings. Credit cards may have quickly become your lifeline to make ends meet. Unfortunately, relying on credit cards may have caused you to fall deeper into debt.

Experience Needed to Wipe Away Credit Cards Debts

If you are struggling to make your minimum monthly payments, your credit card bill could skyrocket from increased penalties and interest rates. Credits cards often serve as nothing more than a Band-Aid-type solution. Instead of addressing your financial concerns head on, credit cards could actually exacerbate your financial situation. You do not have to feel trapped financially for the rest of your life. For 25 years, attorney Steven J. Halbert has helped clients throughout Indianapolis wipe away their credit card debts. Contact our Kokomo credit card debt lawyer to learn how we can help you gain a fresh start financially during a free initial consultation.

Consumer Bankruptcy Can Provide Credit Card Debt Relief

You do not have to feel trapped financially for the rest of your life. Consumer bankruptcy is designed to help people just like you regain control of their financial situation. Debt relief attorney Steven J. Halbert has extensive experience helping clients climb out of debt. He is not here to judge the circumstances behind your debt concerns; he is committed to helping you move forward with your life. During a free initial consultation, Mr. Halbert will walk you through the steps to file for bankruptcy. He can help you understand if you qualify for credit card debt relief through:

• Chapter 7 bankruptcy — This form of consumer bankruptcy is designed to help individuals and families that are buried in debt and making less than the median income for a household of similar size in Indiana. If you qualify for Chapter 7 bankruptcy, all of your unsecured debts, including credit card expenses and medical debt, will be wiped away.
• Chapter 13 bankruptcy — If you make more than the median income level in Indiana and yet are buried in debt, Chapter 13 bankruptcy might be the right option for you. This form of bankruptcy would reorganize your debts into a realistic payment plan over three to five years. After that time, any remaining unsecured debts would be wiped away.

If you are struggling to make your credit card payments, your interest rates will continue to increase. This will negatively affect your credit score and ability to get approved for a loan. Filing for consumer bankruptcy can allow you to wipe away your unsecured debts and start rebuilding your credit. Attorney Steven J. Halbert has the skills and legal resources to help you gain the fresh start you need.

Contact Our Indianapolis Credit Score Lawyer for a Free Consultation

You do not have to live in fear of your credit score and financial situation for the rest of your life. Attorney Steven J. Halbert has decades of experience helping clients in similar predicaments regain control of their financial situation. Contact his law firm in Carmel, Indiana, for a free initial consultation. If needed, Mr. Halbert is available to meet with you in the evening. He also offers reasonable rates and flexible payment plans.

Steven J. Halbert's law office is a debt relief agency dedicated to counseling clients according to federal Bankruptcy Code.