Credit Card Debt Relief for Clients in Greater Chicago
Has your credit card spending gotten out of control in recent years?
Are you fighting to get out from under a mountain of credit card debt?
Don't be victimized by debt consolidation scams that could bury you even deeper. Find out how a Chapter 7 liquidation or Chapter 13 reorganization bankruptcy can help you achieve debt relief.
At Hitchcock & Associates, P.C., in Chicago, we can guide you as you try to make wise decisions about your future.
Attorney Thomas R. Hitchcock has been a valuable asset to people just like you for more than 20 years. He has worked for creditors in the past and has seen debtor's problems from a creditor's perspective. Because of that experience, he knows how debt collectors and creditor's representatives operate and he can use that information to help debtors deal with their financial problems and look for a way out.
For answers to your questions and strategies for your recovery, contact us. We have the debt settlement advice you can use. Call (312) 445-9062 right now.
Are You Buried in Credit Card Debt? Let Hitchcock & Associates Help
Many people feel embarrassed by their debt problems. Still others feel that it is somehow immoral or wrong to use the bankruptcy process to escape debts. We want you to know that you do not have to be embarrassed or ashamed of your predicament. If you have accumulated more debt than you can pay, the bankruptcy process was designed to help you.
Depending on your income and assets, either Chapter 7 or Chapter 13 bankruptcy could be the credit card debt remedy you are looking for. They both can be used to ease your debt load over time.
Using a Chapter 7 strategy, no credit card use is allowed for 120 days. Debts are generally dischargeable, except for luxury items. Under Chapter 13, all or part of a credit card bill can be reorganized into a payment plan that allows you to make manageable payments. Then, after three to five years of paying on that plan, your remaining debts may be discharged.
Don't Get Scammed or Ripped Off
Often, when someone accumulates substantial credit card debt, they become susceptible to debt consolidation scams that are advertised on television. These programs typically just lead to more debt and even greater financial headaches.
Some people may be persuaded to use their retirement savings or 401(k) funds to pay off credit card debt. Still others turn to "payday loans" with outrageous interest rates attached. Don't fall into these traps. Talk to an attorney before you take any of these drastic steps.
Call Now for a Free Consultation With a Lawyer: (312) 445-9062
We value every individual client and we are not a bankruptcy factory. Contact Hitchcock & Associates for the legal advice you need and the attentive personal service you deserve. You can also e-mail our Chicago law offices. Evening and weekend appointments are available.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
