Ostrander Law Office - Massachusetts Credit Card Debt Consolidation

Contrary to popular belief, the October 2005 Bankruptcy Code amendments did very little to affect the dischargeability of credit card debt. Debtors who are eligible for Chapter 7 relief can get just about the same discharge of credit card obligations that they could before, while Chapter 13 debtors will seldom have to make more than token payments on their unsecured credit card indebtedness.

For dependable advice about your ability to discharge credit card debt under any chapter of the Bankruptcy Code, contact the western Massachusetts credit card debt relief attorneys at Ostrander Law Office. Northampton bankruptcy lawyers David Ostrander and Denise Shear are both certified in consumer bankruptcy by the American Board of Certification, and each of them can analyze and explain your situation in terms you can understand.

When you file for bankruptcy under any chapter, these will be the immediate consequences for your credit card obligations:

• Credit card companies and collection agencies will immediately have to stop calling you for past-due account balances.
• The automatic stay will also bring any lawsuits against you to a complete stop.
• No garnishment of your wages or bank account will continue beyond the date of your bankruptcy petition.

Our western Massachusetts bankruptcy attorneys know how to evaluate your financial situation and help you choose the debt relief strategy that will eliminate the greatest amount of debt at the least expense to our clients. For a free consultation about your case, contact Ostrander Law Office in Northampton.

Western Massachusetts credit card debt consolidation lawyers at the Ostrander Law Office represent debtors in Chapter 7 and Chapter 13 bankruptcy cases. Northampton debt reduction lawyers David Ostrander and Denise Shear represent bankruptcy clients in Hampshire County, Franklin County, Hampden County, Berkshire County, and Worcester County, including Springfield, Pittsfield, Chicopee, Amherst, Holyoke, Easthampton, Greenfield, Westfield, North Adams, Deerfield, Great Barrington, South Hadley, and Longmeadow MA.