But for many Americans buried in debt with maxed out credit cards, the huge hype about Black Friday had a different meaning in their lives.
In addition to the relentless, daily phone calls and notices from debt collectors and the credit card companies, the buildup surrounding Black Friday was yet just another reminder of their hopeless credit card situation characterized by their inability to pay minimum monthly payments, late charges and unreasonable interest rates on their credit card debt.
If you, a family member, or friend or fellow worker you know is buried in credit card debt where they can't afford to pay the absurd interest charges, late charges, and other fees, now is the time to get a free consultation with me-it should be the first priority in your life right now in addressing this stressful financial situation.
In the free consultation, I will explain how filing for Bankruptcy can help you finally resolve your credit card debt situation and move on with your life in 2012.
I will explain at our first meeting how the Bankruptcy laws afford you two ways to address personal credit card debt.
The first, a Chapter 7 bankruptcy, stops all collection procedures being taken against you and can eliminate most or the entire balance owed on your credit cards, even if litigation has been begun against you with the filing of a lawsuit. Filing for a Chapter 7 bankruptcy can also unfreeze bank accounts and stop wage garnishment.
The second alternative is a Chapter 13 bankruptcy, which may be a better alternative if you own a home and other personal property you may wish to protect from creditors.
In a Chapter 13 bankruptcy, a debt restructuring program is designed to pay a fraction of your overall debt in a repayment program for three to five years. While you still have to pay back a portion of the credit card debt you incurred, it stops the debt from increasing-no more late fees, additional interest and penalties can be added anymore. The credit card companies also only collect what you can afford in the repayment plan.
One of the protections afforded by the Bankruptcy law is that once a bankruptcy petition is filed, creditors are not allowed to have any communications with you and no more opportunity to try to collect on debt-they strictly have to deal with me and the Bankruptcy court. So the harassing phone calls and notices stop!
If you are mired in credit card debt, shouldn't you make an appointment for a free consultation today?
When we meet, I will review your debt situation and evaluate you are eligible for a Chapter 7 or 13 Bankruptcy and whether it is the best remedy in eliminating your debt.
If it is, I will walk you through the process, step by step, explain all your legal options, your rights and obligations, and advocate for you in the Bankruptcy Court proceedings.
So why not give yourself a real Holiday gift this season and make an appointment to receive a free consultation with me to review your options in regard to not only eliminating your credit card debt, but also starting your life over in 2012.
Reply to this email or call my office for an appointment at 305-698-2265 and let's get started restructuring your life to help Please hit the link below if you know a relative, co-worker, or friend to give a this Holiday gift to help them
get their life back on track in the new year.
Contact Mr. Nowack
We exclusively handle Florida bankruptcies and bankruptcy-related issues, such as foreclosures. I, Mitchell Nowack, have been a practicing bankruptcy attorney for more than 15 years. 