What would your life be like without credit card debt? For most Americans, juggling the high interest rates, fees and penalties that come with credit card debt is the single largest threat to their financial well-being. Credit card companies know that most people will never be able to dig themselves out from under the heavy burden of ‘low monthly payments’ that take as long as 20 years to repay. No matter how hard you try, the deck is stacked against you. Fortunately, the U.S. Bankruptcy Code gives you the second chance you need and deserve.
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I am New York bankruptcy lawyer
Scott Ugell. For more than 25 years, I have been helping people throughout the Greater Hudson Valley regain control of their lives from credit card debt. By filing a Chapter 7 bankruptcy petition, you have the opportunity to liquidate (eliminate) all or most of your credit card debt. Imagine — an evening free of collections calls. Making your house and car payment on time every month. No more worries about judgments and ultimately creditors’ collections actions pending against you. In many cases, eliminating credit card debt may be the difference between keeping your family in your home and losing your house to foreclosure.
If You Don’t Qualify for Chapter 7, Chapter 13 Is There For You
Under the new bankruptcy laws passed by Congress on October 17, 2005, not everyone qualifies to have their debts eliminated through
Chapter 7 bankruptcy. If you don’t qualify, you may still file a
Chapter 13 petition to restructure your debts into a court-sanctioned repayment plan. As your attorney, I will negotiate with your credit card companies to eliminate as much debt as possible, or reduce interest rates and restructure your payments. At the successful conclusion of your Chapter 13 repayment plan, the remaining credit card debt will be eliminated. Chapter 13 bankruptcy can help you save many thousands of dollars off your original monthly obligations.
The Ugell Law Firm, P.C., in New City to schedule a free debt consultation about debt relief options. I back up my experience with unique credentials, including:
- Member of the National Association of Consumer Bankruptcy Attorneys
- Often requested by local governments to make seminar presentations about homeowners’ rights and foreclosure protection
- Participates with the
National Association of Consumer Bankruptcy Attorneys (NACBA) to meet with U.S. Congressional Staff on matters related to U.S. bankruptcy code and foreclosure issues.
- Professional articles and legal presentations on the issue of debt relief and bankruptcy law
From my offices in New City, I represent families, consumers and small businesses, because that is who I am, and that is who I care about. I work to protect citizens in the Greater Hudson Valley area. To arrange an initial consultation with an experienced New City credit card debt attorney who cares about resolving your legal problem, call 845-521-7841 or
contact my office by e-mail today.