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Cleveland Credit Card Debt Attorneys

Chapter 7 and Chapter 13 bankruptcy can both assist in relieving credit card debt. However, be wary of filing for bankruptcy shortly after making any large credit card purchases as you may raise suspicion of fraud.

The purpose of Chapter 7 bankruptcy is to quickly cancel out all of your credit card debt. When you file for Chapter 7, you will go through a liquidation process, which is where your assets are worth a lot more than you owe on them and that don’t qualify for exemptions, will be sold off to pay creditors.

Chapter 7 bankruptcy will discharge your credit card debt, which means that you will not have to make any more payments on it.

If you file for Chapter 13 bankruptcy, instead of liquidating your assets you will enter into a three to five-year repayment plan to pay off your debts. Chapter 13 bankruptcy requires that you have a steady income, as you will basically be reorganizing your finances to pay off your debts. In many cases, however, you will pay little to none of your credit card debts and your attorney will help calculate a payment that you can afford.

Credit Card Debt and Student Loans

Paying off your student loans with credit cards is rarely a good idea. Unlike student loan debt, credit card debt can keep growing. There is no fixed balance. If you are struggling to pay your student loans, a student loan bankruptcy lawyer from Luftman, Heck and Associates may be able to help.

Consult with a Cleveland Credit Card Debt Attorneys Today

Whether you’re deep in debt or struggling to stay up with bills, there’s a solution to your financial situation. Need debt relief? The Cleveland credit card debt attorneys with LHA have the knowledge and experience to fight for your best interest. Contact a Cleveland bankruptcy attorney today to discuss your options at or email us at advice@clevelandbankruptcyattorney.com.
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