Credit Card Debt in Wheeling

Are you falling behind on your credit card bills? Is your credit card company filing a lawsuit against you? Do not allow this situation to defeat you! At Thomas E. McIntire & Associates, L.C., we are prepared to help you resolve this matter and become debt free. We have nearly 30 years of experience, so you can trust in the quality assistance that we are devoted to providing.


Credit card debt is not an unusual situation. In fact, for most people, unmanageable credit is the main reason they decide to file for Chapter 7 Bankruptcy or Chapter 13 Bankruptcy. Before you can file, you should understand your options and learn how credit card debt is handled in the most common types of bankruptcy.

Credit Card Debt in a Chapter 7 Bankruptcy
In Chapter 7 bankruptcy, debtors are typically able to discharge their credit card debt and other unsecured debt. The Chapter 7 trustee can pay off some of your credit card debt if your bankruptcy estate has enough money.

Credit Card Debt in a Chapter 13 Bankruptcy
Chapter 13 is a reorganization form of bankruptcy in which a repayment plan is proposed to repay your creditors during a set period of time. Credit cards generally have the lowest priority in this sort of plan, and therefore, credit card companies may be paid in part, in full, or not at all depending on the course of the specific debtor’s plan.


You must be aware of the bankruptcy laws associated with your situation. If you are having financial difficulties, do not take out a cash advance on your credit card to boost your budget. This action could result in problems with your bankruptcy case. Contact our bankruptcy attorney in Wheeling for assistance and answers to your questions regarding your credit card debt and bankruptcy case.

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