Too Much Credit Card Debt? Trying To Climb Out Of That Hole?

Have you ever paid more than your minimum payment for the month, just to discover the following month the balance is even higher?  And you didn't even make any new charges to the card!!  Recently Congress has passed new legislation to force the credit card companies to treat their cardholders more fairly - like not reducing your credit line if you stay current on your payments, not increasing your interest rate on your existing balance because your missed a payment with a seperate lender that has nothing to do with your credit card issuer, etc., etc., etc.  Problem is that these changes don't start to take effect until 2010.

You have to face the reality  that once you have fallen into the deep hole of debt it is nearly impossible to get out without the help of bankruptcy.  Do not cash out your 401k or IRA to catch up your credit card debt.  Do not borrow against your home to pay credit card bills.  File Bankruptcy - it can change your life for the better.  There is a way out for you...and you can make a fresh start, free of credit card debt.  You owe it to yourself to be completely informed and know all of your options.  Call or email our office today to schedule your free consultation.