Medical Bills & Credit Card Debt Attorneys
Serving Oakland, Macomb & Wayne County – S
Our experienced bankruptcy lawyers understand that – in this tough economy – it is very easy to accumulate a large amount of credit card debt or huge medical bills in a short amount of time. When this happens, we know that trying to get “caught up” can seem impossible – and it can be overwhelming.
The good news is that “unsecured debts”, including charge cards & medical bills, can be completely discharged in Bankruptcy!
We have helped hundreds of good people in the greater Detroit area get out from large medical bills and credit card debt. We will offer you a free consultation to discuss how we can help you, too.
Medical Bills & Credit Cards in Chapter 7 – Detroit Lawyers
In Chapter 7 Bankruptcy, you are typically able to “wipe out” (discharge) your credit card debts completely. Your home, car and other personal property generally are “exempt” (protected from sale) and cannot be sold in a Chapter 7 Bankruptcy.
In a Chapter 7 Bankruptcy, the trustee is only allowed to sell non-exempt items to pay off your debts. However, most people who qualify for Chapter 7 do not have any assets that are valuable enough to be sold. That means that in most Chapter 7 Bankruptcy cases, your obligation to pay the balance on your charge cards or medical bills will simply be “discharged” – upon successful completion of the case.
(Note: there are a few exceptions in the case of fraud.)
Medical Bills & Credit Cards in Chapter 13 – Detroit Lawyers
If you have a steady income, Chapter 13 Bankruptcy also offers you debt relief from your charge cards and medical bills. Under Chapter 13 Bankruptcy you do NOT have to sell your assets or property to pay creditors. Instead, Chapter 13 allows you to agree to a “Repayment Plan” that will reduce your payments and repay creditors over a longer period of time – usually three to five years.
Stop Creditor Harassment – Detroit Lawyers
Under both Chapter 7 and Chapter 13 you are completely protected from garnishments, harassing phone calls, lawsuits and other creditor actions. From that moment your lawyer files bankruptcy, your creditors must deal only with the trustee and your bankruptcy lawyer – and legally they must leave you alone. This can be a big relief for you, if you have been dealing with aggressive credit card or medical bill debt collectors.
Call Our Bankruptcy Lawyers if You are Facing Credit Card Bills or Medical Debts
The best way to understand your options for getting out from under Credit Card and/or Medical Bill debt is to consult with one of our experienced debt relief lawyers. We will patiently explain your options and help you determine the type of legal action that is best for you – to end your financial worry and stress.
We offer you compassionate advice and aggressive representation at affordable rates, to ensure that your rights are always protected. CLICK HERE or call Danny Kallabat today for a free, confidential consultation.