Escondido Credit Card Debt Lawyer

There are a number of misconceptions about credit card debt and bankruptcy. For instance, many people think that after filing for bankruptcy they will never be able to get another credit card or establish credit. The reality is, most individuals who are suffering from financial hardships likely have poor credit. With bankruptcy, you have the chance to start clean and to begin the process of rebuilding credit.

At The Law Offices of Attorney Judith A. Descalso, we can help determine if bankruptcy is right for your situation. We have offices in Escondido and San Diego, California, and represent clients throughout the surrounding areas in Chapter 7, Chapter 11 and other bankruptcy-related matters.

Our firm is led by a bankruptcy lawyer with more than 25 years of legal experience and is a certified bankruptcy specialist. She and our legal staff are committed to providing personalized services, knowledgeable legal advice and advocacy for our clients. We take a personal interest in our clients' matters; we will work hard to help alleviate the stresses you may be facing. We can also provide assistance for credit card, divorce and bankruptcy matters.

Credit Card Debt and Bankruptcy

Credit card debt is most often considered an unsecured debt, meaning that it can be discharged in a bankruptcy. After a bankruptcy, you can begin to rebuild your credit immediately. In fact, many people are able to get a credit card within a year after filing. We recommend the use of a secured credit card in order to quickly re-establish credit.

If you have secured debt, the debt must be reaffirmed if you want to retain the security. This includes most debts secured by personal property.

Contact Our San Diego Debt Relief Attorney

To schedule a free initial consultation with our Escondido credit card debt attorney, please call 760-670-4863 or 866-497-6196. We can be reached at our San Diego office at 619-272-6247. Our bankruptcy lawyer can also be reached online, simply fill out a short form on our contact page.

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