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Credit card use is one of the easiest ways to get into high amounts of debt. This is because credit cards are extremely easy to acquire. In addition, the interest that is charged on unpaid balances and fees charged for missed payments means that getting clear of the debt can feel like a never-ending battle.

If you want to be free from your credit card debts, it is likely that you have spent some time considering filing for bankruptcy. This can be a very difficult decision to make because it requires a great deal of commitment. However, filing for Chapter 7 bankruptcy is a way to get a fresh financial start.

How can filing for Chapter 7 bankruptcy help me get a fresh financial start?

Chapter 7 is a solution for those struggling with credit card debts because they do not earn enough to make the payments. Chapter 7 bankruptcy works by using some of your assets to pay off the debts that you are struggling from.

Will Chapter 7 bankruptcy help me feel less stressed?

It is common for much of the stress relating to debt to be rooted in communication with creditors and debt collectors. By filing for Chapter 7 bankruptcy, you will benefit from an automatic stay. This means that creditors will not be able to take further action regarding your debts.

How can I take action?

You should make sure to conduct thorough research on the different bankruptcy options before taking action. When you are confident in your decision, you can file for bankruptcy with the courts in the state of Pennsylvania. An experienced bankruptcy attorney can explain all the intricacies of the process and help ensure the filing is correct to the letter of the law.

If you are considering bankruptcy and would like to learn more about your options, contact an experienced bankruptcy attorney at the Quinn Law Firm to schedule a free consultation.  Call us at 814-833-2222.