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Texas Bankruptcy - Credit Card Debt & Bankruptcy

Filing Bankruptcy Can Eliminate Credit Card Debt… Texas Debt Relief

Filing for bankruptcy to get rid of credit card debt is the best option for many people in Texas. If your credit card debt has gotten out of control and the minimum payments don’t have any affect on the balance, maybe you should consider filing for bankruptcy. Making only the minimum payment on your credit cards, or not being able to make the minimum payment on your credit cards at all is one of the signs that you should consider filing for bankruptcy.

The Texas Bankruptcy Attorneys at The Law Offices Of R.J.Atkinson can help you file for bankruptcy to get rid of your credit card debt or reduce your credit card debt based on your disposable income. If you are eligible to file for Chapter 7 Bankruptcy, you will be able to eliminate your credit card debt. If you file a Chapter 13 Bankruptcy, you may be able to force the credit card companies to accept pennies on the dollar for your credit card debt. Either way, bankruptcy can provide relief from your credit card debt. If you have credit card bills that have gotten out of control or credit card debt that will take you many years to repay, contact the Texas Bankruptcy Lawyers at The Law Offices Of R.J.Atkinson for a free initial consultation and a free bankruptcy means test. Bankruptcy might be an option to get rid of your credit card debt, or reduce your credit card debt to payment terms you can afford.

One of the most basic images of getting out of debt is cutting up your credit cards. There is a reason for that. It’s probably because credit cards are such an easy way to get into debt. If you’re not careful, credit card debt can grow from a small amount to a big amount in a very short period of time. When that happens, credit card interest compounds and accrues until you pay off the credit card debt. If something unexpected occurs such as a job loss, medical illness, or other event that affects your finances, your credit card debt can grow from bad to worse, sometimes making it almost impossible to ever see the end of the dark credit card tunnel. Some people never recover from credit card debt without filing for bankruptcy. Others spend years making a little more than the minimum payment due with the hope that some year, they’ll get out of debt. Many more use credit counseling or credit card settlement companies to address their credit card debt. If you are in credit card debt that has become burdensome and unpleasant, make sure you contact an experienced Texas Bankruptcy Lawyer to help you see what the best option to address your credit card debt may be.

Credit card companies encourage you to spend more now and pay later, because as long as you make your minimum payment it’s all good. The credit card company makes the “minimum payment” sound like they are doing you a favor. In essence, the credit card company gets more interest which really makes it much easier to sink further into debt and force you to carry more debt which often takes people way beyond their ability to ever pay off their credit cards. Credit card companies make charging on their credit cards easy and likewise, make credit cards appear to be responsible, cool, or sexy to use, depending on what advertisement you look at.

Credit cards aren’t bad per se. In today’s world you need a credit card to do many things, such as rent a car, check into a hotel, and buy things online. Unless you over use them, or use them irresponsibly, credit cards do have benefits.

If some kind of setback happens in your life and you find yourself carrying credit card debt that you may never reasonably pay off, contact us. We may be able to answer your questions about Credit Cards and Bankruptcy or questions about filing for Chapter 7 or Chapter 13 Bankruptcy to reduce or get rid of your overwhelming or burdensome credit card debt.

If you live in Houston, Austin, San Antonio, San Marcos, Dallas, New Braunfels, Waco, Victoria, Plano, Garland, Arlington, Boerne, Seguin, or anywhere in the State of Texas, contact The Law Offices Of R.J.Atkinson at for a free initial consultation to discuss your legal options to deal with your credit card debt. We have helped thousands in Texas eliminate millions of dollars in credit card debt. Maybe we can help you. Don’t let Credit Card Debt ruin your life.

Chapter 7 Bankruptcy Gets Rid of Credit Card Debt

Contact Texas Bankruptcy Attorney R.J.Atkinson: 800-436-9056

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RJA Bankruptcy Attorney offer Affordable Bankruptcy, Debt Relief and Debt Consolidation. Texas Bankruptcy Lawyer offer Low Cost Bankruptcy Attorney Fees in Austin, Dallas, Fort Worth, Plano, San Antonio, & Houston *Principal Office.

Bankruptcy Lawyer / Attorney RJ Atkinson provides Chapter 7, 11, 12, 13, Bankruptcy, Debt Relief & Discount Legal Services
Filing Bankruptcy can sometimes be the fastest way to get out of debt and may be the most affordable way to get a fresh financial start. Chapter 7 Bankruptcy can quickly wipe out your debts, increase your credit score, stop wage garnishments, get rid of credit card debt, eliminate medical bills, stop payday loans, stop bill collectors, erase negative credit reporting, and reestablish new credit after bankruptcy. RJ Atkinson – Bankruptcy Lawyer have payment plans to make filing Chapter 7 and Chapter 13 Bankruptcy affordable which include low cost flat fees for Chapter 7 that may be considered the cheapest bankruptcy attorney fees depending on the costs other bankruptcy lawyer charge. Chapter 13 Bankruptcy can save your home from foreclosure, save your car from repossession, lower monthly payments, reduce interest rates, get rid of late fees, reduce credit card interest, payoff high credit card debt, raise your credit score, stop creditor harassment, get rid of debt, reduce debt, eliminate creditor calls at work, stop collection calls, start over financially, discharge debts and/or be debt free in 3 to 5 years. IRS tax problems, tax levies, wage garnishments, back taxes, payroll taxes, income taxes can often be handled in Chapter 13 bankruptcy. Divorce/Bankruptcy – past due child support arrears, alimony, spousal support, and divorce debt can often be handled in chapter 13 bankruptcy. The Law Offices of RJ Atkinson handles debt consolidation, loan modifications, credit card debt settlement, debt negotiation, lawsuit defense, IRS problems, credit card lawsuits, TROs temporary restraining orders to foreclosure, forbearance agreements to foreclosure, FDCPA Fair Debt Collection Practices Act lawsuits, FCRA Fair Credit Reporting Act lawsuits, credit report disputes, debt collection lawsuits, adversary complaints in bankruptcy, bankruptcies, foreclosure workouts, mortgage short sales, real estate property tax disputes, civil litigation, commercial litigation, tax lawsuits, small business bankruptcy, corporate bankruptcy, business creditor representation, and most every kind of debt related issue or financially based legal problem on a case by case basis.
Pursuant to 11 U.S.C. §528, “We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.”
R.J.Atkinson Texas Bankruptcy Lawyer - Principal Office: 8000 I.H. 10 West, Suite 600, San Antonio, TX 78230-3868. Phone: 800-436-9056