“No question about it! Credit cards are dischargeable in bankruptcy!” says Emeryville bankruptcy attorney James Pixton. In 2005, Congress passed some major changes to the bankruptcy laws of the United States. The federal law hit everyone hard, even across the country in the Island City, Alameda.
Then Congress sat back as the credit card companies undertook one of the most deceptive public disinformation campaigns ever seen in modern history. By the time the credit lenders were done, most Americans thought bankruptcy had been eliminated completely or drastically removed from the reach of common Americans. Nothing was further from the truth. Bankruptcy was still available to most residents of California and the other states.
The rules for filing had become incredibly complicated, however, so much so that ordinary citizens had little chance of being successful in the process without an experience attorney to help them. Fortunately, Pixton Bankruptcy Law is one of those law offices with years of experience with thousand of clients and cases. Call us at (510) 451-6200 to schedule a free consultation with Emeryville bankruptcy attorney James Pixton.
If you live in Emeryville bankruptcy is definitely an option if you have a lot of credit card debt. Something important to keep in mind, however, is that you need to stop using your credit cards immediately if you haven’t already done so. Continued use of credit cards even after you’ve decided to look into bankruptcy case create problems for those considering filing. In the worst cases, the bankruptcy judge can act on the request of the credit card companies and declare that a particular debt is not wiped out in bankruptcy. This is frequently the case when a debtor has gone on a spending or gambling spree in the months leading up to the Emeryville bankruptcy case filing.
Basically, the judge finds that the debtor engaged in fraud when he charged up his credit cards while hoping to wipe them out in bankruptcy. Don’t let that happen to you. Talk to an experienced Emeryville bankruptcy attorney if you think you might have a problem.
