Are credit card companies threatening to sue you over the amount of money that you owe on your credit cards?  Or, have you already been sued over your seemingly endless debt?  Regardless of the situation, it is important to understand that although the summons and complaint typically provide a court date far ahead in the future, you generally have only thirty days to respond.  If you do not answer the complaint, your creditors can and most often will, seek a judgment against you, which can ultimately have some serious and irreversible consequences.  These may include liens against your personal property, levies of your bank accounts and wage garnishments.

If you are being sued by one or more credit card companies, you certainly have the right to fight them back in court.  However, the reality of this is that standing up is rarely effective.  Unless your credit card company made some blatant error in terms of the amount of money you owe, which generally is rare, you will likely have little to now grounds to successfully fight them.  That is why it is best to work with an attorney in order to determine the nature and scope of your legal options and how you can get your life back on track.

For people who face mounting credit card debt, bankruptcy may be the optimal choice to stop your debt from increasing and also, to get annoying creditors off your back.  Specifically, you can file either Chapter 7 or Chapter 13 bankruptcy, the type of which depends upon your specific set of circumstances.  Filing as soon as possible is highly recommended, because it stops your creditors from getting a judgment entered against you and ultimately, ruining your credit.

If you feel that a Chapter 7 or Chapter 13 bankruptcy is the best way to handle your credit card debt, I can help guide you through the legal process associated with filing these actions.  Bankruptcy actions are governed entirely by federal laws, and you can certainly file a case on your own.  While hiring an attorney is certainly up to you, I strongly recommend that you consider speaking with a lawyer who has had the experience necessary to maximize your chances of regaining your financial freedom.

If you wish to learn more about your legal options, I invite you to contact my office to arrange a free, informative and completely confidential consultation.  From my law office in Kansas City, I am committed to helping consumers throughout the greater Kansas City area. Contact my law firm today to schedule a consultation Monday through Friday with evening appointments available. During a free initial consultation, I will help you determine if Chapter 7 or Chapter 13 bankruptcy is the right solution for you.