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Credit Card Debts

Credit Card Debt

We live in a society where using credit cards has become a normal part of everyday life.

Although credit cards can help us establish needed credit, they can also sometimes “help” us accumulate an excessive amount of debt. Chapter 7 bankruptcy was designed to retire credit card debt

If you’re thinking about filing for bankruptcy, you’re not alone. Millions of Americans struggling with debt from credit cards, medical bills, and mortgages file bankruptcy every year to get a fresh start.

Bankruptcy is a legal process that can stop collection calls and wipe out debt for good. What can bankruptcy do for you?

Bankruptcy’s Automatic Stay

When a person files for bankruptcy, they usually receive immediate protection from creditors through a special court order known as the bankruptcy automatic stay.

This means creditors must stop collection efforts.

The Stay is Designed to STOP Debt Collectors

The automatic stay in bankruptcy was designed to:

  • HALT foreclosure
  • STOP repossession
  • SILENCE creditors
  • STOP many lawsuits & wage garnishments

The two main types of consumer bankruptcy, Chapter 7 and 13, are designed to erase debt and stop debt collectors.

Sound like the kind of help you need? Ask a bankruptcy lawyer if filing bankruptcy and could help you.

Carolyn Secor is a Clearwater bankruptcy attorney and Clearwater foreclosure attorney serving Palm Harbor, New Port Richey, Oldsmar, Tarpon Springs, Seminole, St. Petersburg, and the Tampa Bay area.

If you would like more information on our practice, please consult our website at or call 727-335-7151.