Bridgeport Medical Bill Debt Lawyer

Connecticut Credit Card Debt Attorney

Many clients come to us struggling with medical bills and credit card debt. These are the two kinds of debt responsible for most personal bankruptcies. Job loss, high interest charges and other factors make it impossible to put a dent in the balance. Credit card companies and hospitals may garnish your wages or even put a lien on your home if you cannot pay. Fortunately, there is a way out of these tough situations: bankruptcy. Credit card debt and medical bills are unsecured debt and may be fully discharged under Chapter 7, or restructured and paid off under more favorable terms in Chapter 13 bankruptcy.

At Ambrogio, Pletter & Associates, LLC, we have been helping people regain control of their finances since 1982. To discuss your credit card debt and medical bills with our experienced Bridgeport credit card debt lawyers, schedule a free consultation by calling us at 203-502-7436 or by contacting us online.

Chapter 7: Eliminating Credit Card Debt and Medical Bills

For many people who cannot afford to pay off their credit cards, mounting medical bills and other debts, Chapter 7 bankruptcy can provide a "fresh start." Filing Chapter 7 immediately stops harassment by credit card companies and all other collection agencies, including continuing or beginning wage garnishments.

While most credit card debt and medical bills can be fully discharged through Chapter 7 bankruptcy, there can be exceptions, and you should consult with our attorneys to discuss requirements and other considerations.

Chapter 13: Reducing Medical Bills and Other Debt

In Chapter 13 bankruptcy, all unsecured debts such as medical bills, credit cards, personal loans and others are grouped together for repayment. The repayment plan determines how much income you have to devote to paying these debts. Unsecured creditors are only paid what you can reasonably afford after paying secured debt obligations, such as a mortgage or vehicle payment, as well as your monthly living expenses.

Depending on your budget and disposable income, you may only end up paying back a fraction of the total debt you owe. The plan only requires that you make your best effort to repay over a three- to five-year period. After that, remaining balances can be discharged or legally eliminated.

Chapter 13 repayment plans are systematic and specific to your financial situation. When you come in for a free initial consultation, our skilled bankruptcy attorneys will review your options with you. We also assist with tax concerns and help you rebuild your credit after bankruptcy.

Contact an Experienced Connecticut Bankruptcy Attorney

We can help you find the light at the end of the tunnel, help you take control of your finances and get a fresh start. To arrange your free consultation, call 203-502-7436 or contact our law firm online.

We are a debt relief agency. We help people file for relief under the Bankruptcy Code.