Philadelphia Credit Card Debt Help Is Available

If you are overwhelmed by Philadelphia credit card debt, you are not alone

Credit card debt is often cited as the main cause of personal bankruptcy in the United States. And even as credit cards put more and more of us into debt, there are some indications that credit card use is on the rise. While banks and other credit card companies often point the finger at consumers for out-of-control or irresponsible use of credit cards, it is also often the case that a job loss, a medical emergency or an unforeseen home or car repair bill can put us behind in payments. Once behind, late fees and additional interest, and even an increased interest rate, can make keeping up more and more difficult.

Where does it end?

If you are caught in a cycle of debt caused by credit cards, and perhaps compounded by medical bills, car loans, student loans or home mortgages, it could be in your best interest to seek financial counseling and legal help sooner rather than later. Filing for Chapter 7 bankruptcy or Chapter 13 bankruptcy may or may not be the answer. By consulting with an attorney who is experienced with consumer debt matters and bankruptcy, you can explore your options. Your attorney can advise you and help:

• Stop creditor harassment
• Defend against home foreclosure or find foreclosure options
• Eliminate debt or make it more manageable under reorganization
• Protect your rights against unfair collection or predatory lending practices

Get the Philadelphia credit help you need today by contacting an experienced consumer credit lawyer

Whether you are considering debt relief, debt reorganization or debt counseling, Philadelphia attorneys can explain your rights, your legal recourse and your options. To find a lawyer in your area, please fill out the online form or call 267-428-1386.