Bankruptcy Lawyer in Chicago

Eliminating Credit Card Debt

Many people throughout the U.S. constantly struggle with credit card debt. Credit card companies often lure debtors in with the promise of little to no interest for a set period of time, only to charge exorbitant interest rates after the introductory period is up. If you are dealing with credit card debt and want to find out how bankruptcy may help, I recommend that you discuss the matter with a Chicago bankruptcy attorney at our law firm. I represent debtors throughout Chicago and the surrounding areas in Chapter 7 and Chapter 13 bankruptcy actions as well as bankruptcy alternatives and are ready to see how I can help you. With my help, you may be able to eliminate your credit card debt once and for all.

Discharging Credit Card Debt

There are some situations where a credit card company may attempt to contest the discharge of credit card debt by filing an adversary proceeding. This process involves the creditor trying to prove that fraud was involved in applying for or using the credit card and that the debt should therefore not be subject to discharge through bankruptcy. This may apply under both Chapter 7 and Chapter 13 filings. The creditor may claim that the credit card application was fraudulent or that the debtor used the card without the intent to repay the debt. The latter option is used far more frequently.

I can help you approach the discharge of your credit card debt in such a manner as to avoid these proceedings in the first place or can contest the case at trial. If you go to trial and your attorney is successful in proving that the credit card debt should be discharged, you may be able to recover money for attorney's fees.

Interested in learning more about how you can get rid of credit card debt? Contact a Chicago bankruptcy attorney at our law firm today.