Racking up credit card debt can seemingly come out of nowhere. You make a few purchases here and there and then can’t believe how much you owe at the end of the month. You start making low or the minimum payment and the interest rates make it seemingly impossible to pay off your debt. If you’re dealing with harassing calls from creditors trying to force you to pay but you simply can’t afford it, you need to speak with our Delray Beach bankruptcy attorneys at The Law Offices of John E. Mufson. We can help you find a solution to end these harassing calls and help you eliminate your credit card debt.
What are my options when it comes to filing for Bankruptcy?
If you’re like many people the last thing you want to think about is filing for bankruptcy. Many people think that their credit is ruined forever if they file for bankruptcy, yet this isn’t the case. When you file for bankruptcy you’re showing potential lenders that you’re working towards regaining control of your finances. When you file for bankruptcy, either chapter 7 or chapter 13, an automatic stay will be issued. This means that creditors will have to stop calling and demanding payments. They’ll also not be allowed to do the following:
- Foreclose your home
- Evict you from your apartment
- File a lien
- Call you at home or work
Both chapter 7 and chapter 13 will give you this protection for creditors calling you. When you file for bankruptcy you’re working towards taking control of your finances and eliminating your debts. Talking with our team of attorneys can help you get the right advice to learn about the various options you have when it comes to filing for bankruptcy. Nobody’s financial situation is the same and what is the best option for one person may not be the best for another individual.
Don’t allow the harassing creditors calls to continue any longer. If you’re struggling to make the payments on your credit cards you need to find a solution to eliminate your debts. The calls are never ending and you may not know what to do since you can’t afford to pay your credit card bills in Delray Beach. Call our team at The Law Offices of John E. Mufson and see how we can help. There are various ways to get help if you’re struggling with credit card debt, and we want to help you today.