Do You Have Overwhelming Credit Card Debt?
When credit card bills spiral out of control and you face a mountain of debt, it can feel as though you do not have any options. Nothing could be further from the truth. With the help of an experienced bankruptcy attorney, you can discharge or reorganize your credit card debt and regain control of your finances.
At O'Connor First, we utilize debt elimination tools such as Chapter 7 and Chapter 13 bankruptcy to help clients throughout Upstate New York free themselves from credit card debt and obtain a fresh financial start.
Our bankruptcy lawyers can resolve all legal aspects of your bankruptcy matter. Our goal is for you to receive the peace of mind that comes from having an experienced legal team advocate for you through every step of the bankruptcy process.
Can I Discharge Debt From Credit Cards?
Credit card debt is often considered unsecured debt, meaning it is fully dischargeable in bankruptcy. However, there are certain factors that must be considered, such as the timing of the bankruptcy filing, that can make certain debts non-dischargeable.
If you recently made several large purchases on your credit card, for example, you may not be able to turn around and discharge this debt through bankruptcy shortly after. This behavior looks suspicious to bankruptcy courts, and may impact your ability to achieve full financial relief.
When you meet with our attorneys, we will take the time to help you explore your options and walk you through all the factors that may affect the financial relief you receive from bankruptcy.
A Fresh Financial Start For Those Across Upstate New York
Led by attorney Michael J. O’Connor — an attorney board-certified in consumer and commercial bankruptcy by the American Board of Certification — our bankruptcy practice group has the experience and knowledge necessary to maximize the credit card debt relief you receive.
Mr. O’Connor has practiced bankruptcy and debt relief law since 1980, and has the highest possible rating through Martindale-Hubbell (AV Preeminent*). He has also consistently been selected for inclusion in New York Super Lawyers every year since 2007.
Get Started With A Consultation Today
There are several options available to you that will allow you to break free from overwhelming credit card debt. We can help you through every step of the process, so you can start your next chapter.
*AV®, AV Preeminent®, Martindale-Hubbell Distinguished and Martindale-Hubbell Notable are certification marks used under license in accordance with the Martindale-Hubbell certification procedures, standards and policies. Martindale-Hubbell® is the facilitator of a peer review rating process. Ratings reflect the anonymous opinions of members of the bar and the judiciary. Martindale-Hubbell® Peer Review Rating™ fall into two categories – legal ability and general ethical standards.
We are a federally designated debt relief agency proudly helping people file debt reorganization plans and bankruptcy for over 35 years.