Combat your credit card debt before it becomes overwhelming
Credit card debt happens to the best of us, whether we have to charge necessary expenses because of insufficient income or just lose control of our spending. Moreover, the high interest rates on most credit cards prevents many people from paying down their balance. Credit card debt can quickly turn into collection calls, letters, and eventually judgments that can lead to garnishments.
Whatever the cause, the Twin Cities credit card debt relief lawyers at Martin & Hedervare PLLC are here to help, with 38+ years of bankruptcy legal experience and a free consultation to help you get a handle on your credit card debt.
Find relief from intimidating credit card debt collectors
Although debt collectors must adhere to the Fair Debt Collection Practices Act, a federal law put in place to protect consumers, predatory collection behavior still occurs. Insults, threats and harassment are common tactics to bully consumers into paying overblown credit card debt.
Knowing your rights can protect you from harassment. Demand that creditors not call you at work and submit a written request that debt collectors not contact you at home. Debt collectors should not call you before 8 a.m. or after 9 p.m., and they should never threaten you. Additionally, if you foresee difficulty paying your credit card bills, you may be able to contact your creditor and negotiate a lower rate or a payment plan.
Discharge credit card debt by filing for bankruptcy
When filing for Chapter 7 bankruptcy or Chapter 13 bankruptcy, your credit card debt becomes compiled with other dischargeable debts and can be wiped out after completion of the bankruptcy process. With some very limited exceptions, you can get rid of all your credit card debt quickly and get the collectors off your back.
Our firm has also found the best credit education program out there. We tested the program and learned that people who have been through 720CreditScore.com’s credit program (7 Steps to a 720 Credit Score) transform their credit scores, usually within 24 months of declaring bankruptcy. With these kinds of results, we decided to make this program available to every single one of our bankruptcy clients for no additional charge.
Find financial relief with our Minnesota Chapter 7 and 13 bankruptcy lawyers
Our attorneys have helped many clients overcome the financial stress created by credit card debt and get their finances back on track. Make your life better with the Twin Cities credit card relief lawyers at Martin & Hedervare PLLC. We use our combined 38 years of experience to find specific debt solutions so you can rebuild your finances. Call our firm at (651) 243-2974 or contact us online today to schedule a risk-free consultation.