Credit Card Debt
The biggest debt issue for many Americans involves unmanageable and rising credit card debt. With increased fees and penalties combined with external factors such as divorce or job loss, repaying creditors is impossible for many consumers. The Law Office of Ronald V. De Caprio helps clients assess their individual financial situations and take appropriate steps to protect their rights and long-term interests.
Chapter 7 And Chapter 13 Debt Relief
There are many factors to consider before deciding to file for bankruptcy. We help clients understand their rights, explain their options and provide them the information needed to make educated decisions. When dealing with credit card debt, remember that a Chapter 7 allows a person to completely eliminate or settle unsecured debt, whereas a Chapter 13 bankruptcy will require reorganization and some repayment. We help individuals make the best decisions for themselves and their families.
Our Hudson Valley lawyers help clients:
- Put an end to creditor harassment
- Identify personal financial objectives
- Develop a strategy to deal with debt
- Explore alternatives to bankruptcy
- Get back on the road to financial independence
Before filing for bankruptcy, consumers should know their rights, options and potential obligations. Clients often wonder how to deal with creditor harassment after being bombarded with mail, phone calls and other threats. Remember that once an individual files bankruptcy, creditors must cease all efforts to collect.