Credit Card & Medical Debt Elimination

You can improve your credit and get rid of all your credit card and medical debts through Bankruptcy! Bankruptcy is the fastest way to get rid of debts you can’t pay. It stops the aging of delinquent accounts and upon discharge of your bankruptcy case, your credit report will no longer show a history of delinquency. In fact, bankruptcy will give you a chance at a fresh start to begin rebuilding your credit.

Reasons for a low credit score are numerous past due accounts. The first step to improving you credit is to take care of your existing debts. Your credit will only continue to worsen if you do not handle your outstanding debts.

Bankruptcy laws are Federal laws provided under the U.S. Constitution. They are aimed at giving people burdened by debt the chance to get rid of overburdening debt and get a fresh financial start! Our law firm is dedicated to helping individuals obtain debt relief through the practice of bankruptcy.

Federal bankruptcy laws such as Chapter 7 and Chapter 13 are here to protect you while you recover financially. Only bankruptcy can save your home, relieve mortgage debt, eliminate credit card, medical, vehicle, tax and other burdensome debt. For most people completing their Chapter 13 or Chapter 7 and receiving a discharge increases their FICO score. The reason for this is that getting rid of debts puts you in a better position to handle more credit.

If you are dealing with an overwhelming amount of debt, then it may be time to consider bankruptcy. Explore our site to get all the answers to your bankruptcy and debt relief questions.


Debt Consolidation - Chapter 13

Chapter 13 gives individuals and businesses the right to repay some or all of their debts based on what they can afford. This Debt Repayment Plan gives you up to five (5) years to pay back your creditors.

The Plan can include:

  • Back mortgage payments
  • Homeowner’s Association arrears
  • Back real estate taxes
  • Unpaid state and federal taxes
  • Credit card debt
  • Medical debt
  • Vehicle loans
  • Personal loans
  • Student loans
  • Revenue & Recovery
  • Back child support
  • Alimony

This is often a good option if you have sufficient monthly income to qualify. In Chapter 13 you can pay as little as $150.00 per month towards your debts. In many cases, unsecured debt such as credit cards and medical bills can be completely eliminated. Everyone’s situation is different depending on their income, family size, dependants, etc. We work to get the lowest payment possible for you.


Personal Bankruptcy - Chapter 7

Chapter 7 gives individuals and businesses the right to legally get rid of debt one can no longer pay. For many individuals, families and businesses, filing Chapter 7 Bankruptcy is often the best, if the not the only solution to get rid of debt problems. It gets rid of debt and will give you a fresh start. This chapter allows you to eliminate your debts without having to repay them, including unsecured debts such as credit card debt, personal loans, money judgments and certain taxes. There are some limitations to qualifying for this chapter.