Dealing With Credit Card Debt

Credit card debt is one of the most common reasons that people fall into financial trouble. Many of these cards have extremely high interest rates, and any unpaid balances can quickly add up. If you are only making your minimum payment each month, you may need to think about your options so that you do not experience much more significant financial problems.

At Macco & Stern, LLP, our lawyers work with people who have experienced financial hardship due to significant credit card debt. We examine the underlying causes that required the use of credit cards, and discuss positive steps that we can take to help you address your debt problems once and for all.

Finding The Right Approach For Your Financial Situation

Like many others in Long Island, you may have had to rely on your credit cards to make it through a difficult financial period. For example, you might have suffered a prolonged injury or illness that made it impossible to work. You might have lost your job, or experienced some other adjustment to your expected income. Whatever the reason for the high balances, we can help you find answers. We help evaluate all of the options available to you, including:

  • Reviewing the big picture to determine exactly what sort of solutions would be best for your situation
  • Discussing whether or not bankruptcy is an effective method of dealing with your credit card debt
  • Negotiating with credit card companies to lower your outstanding balances

As experienced bankruptcy attorneys, we can serve as your guide throughout the Chapter 7 or Chapter13 bankruptcy process, if either of these is right for you. We can help you get the fresh start that you need.

Call Our Office Today For More Information

If you would like to schedule a free consultation with a member of our bankruptcy team, call 631-479-2869 or send us an email. We have helped thousands of people in Nassau County and Suffolk County find positive solutions to their debt problems.

We are a debt relief agency. We help people obtain relief under the Bankruptcy Code.