Credit Card Debt

Credit Card Traps are Easy to Fall into, but Hard to Escape

When used properly, a credit card can be an effective tool in managing your finances. However, if you suffer a job loss, or if you or a family member suddenly has a serious medical problem, credit card payments may be increasingly difficult to make. At the law office of bankruptcy attorney Jerrold W. Bartman, Esquire, we help clients escape from the trap of credit card debt.

No matter how much you try to work with your credit card company, the interest rates keep going up and late fees keep piling up. You have options. More importantly, you have rights. Contact us at (518)-864-4167 or toll free at (866)-559-7665.

The Trap That Is Credit Card Debt

Credit card debt can seem like an inescapable trap. Making minimum payments will do little to pay down the principal. And if you make a late payment, fees are assessed. Those fees can put you over your credit limit. Over-limit penalties are tacked on to an already growing amount. Add multiple credit cards to that equation and you can suddenly have an overwhelming financial problem.

Helping You Escape the Trap of Credit Card Debt

At the law office of Jerrold W. Bartman, Esquire, we help clients discharge or reorganize their credit card debt through the process of Chapter 7 or Chapter 13 bankruptcy. You don't have to put up with rising interest rates and over-limit fees coupled with constant, harassing telephone calls.

Do Not Be Fooled by So-Called Credit "Counselors"

You may have considered the option of consumer credit counseling. Be aware that those companies are but de facto agents for creditors when negotiating workouts and settlements. Their job is to help the credit card companies, not consumers. We will look out for your best interests in discharging or reorganizing your credit card debt.

Contact Us

For more information or to schedule an appointment with an experienced lawyer regarding credit card debt, please contact us.