Houston Credit Card Debt Lawyer

In its March 2015 report on Consumer Credit, the Board of Governors of the Federal Reserve System reports revolving consumer credit outstanding (essentially, credit cards) of $889,000,000,000.00.¹ This is 889 billion dollars owed by American citizens, an average of about $7,300 per total U.S. household and an average of about $15,600 per household that has credit card debt.

Don't Let Credit Card Debt Take Over Your Life

It is easy to fall into the trap of accumulating more credit card debt than one can manage. As a result, the stress of dealing with debt collectors and the possibility of a lawsuit against you can be overwhelming. Fortunately, the debt relief attorneys at Keeling Law Firm can help.

We understand that missed payments, excessive debt, and payday loans can all add up to a difficult financial situation. Rather than trusting debt consolidation companies or other services that may not be able to deliver, our experienced Houston credit card debt defense lawyers can assess your case and determine the best solution for you.

Your Credit Debt Relief Attorney in Houston

We can explain the benefits and obligations that may come with filing for Chapter 7 or Chapter 13 bankruptcy. Chapter 7 bankruptcy may enable you to gain a legal, enforceable discharge (forgiveness) of credit card debts, payday loan obligations, and more. On the other hand, Chapter 13 bankruptcy can eliminate portions of such debts and allow you to enter a three-to-five-year repayment plan to deal with the remainder. This is often the best solution if the burden of credit card debts has also led to the threat of foreclosure or auto repossession.

At Keeling Law Firm, we have helped countless individuals eliminate credit card balances, medical bills, and other unsecured debts. Contact us today to learn more about how Keeling Law, a credit debt relief attorney in Houston, can help you today and other services we have to offer such as:

[1] See “Consumer Credit – G.19 Current Release,” Board of Governors of the Federal Reserve, March 2015, http://www.federalreserve.gov/releases/g19/current/.

[2] See “Consumer credit reports: A study of medical and non-medical collections” Consumer Financial Protection Bureau, December 2014, http://files.consumerfinance.gov/f/201412_cfpb_reports_consumer-credit-medical-and-non-medical-collections.pdf

[3] “The Congress shall have the power . . . To establish a uniform rule of naturalization, and uniform laws on the subject of bankruptcies throughout the United States;” Art. 1, Sec. 8, United States Constitution.

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