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Wipe Out Credit Card Debt in Bellevue

Credit card debt is easily eliminated in bankruptcy cases. It does not matter if you are still making payments on the credit cards, if they are seriously delinquent or even if you are in the middle of being garnished for a credit card, the debt can be discharged or wiped out in a bankruptcy. If you find yourself living on credit cards just so you have the money to make minimum payments on other cards, the writing is on the wall. You are insolvent and will probably file a bankruptcy at some point unless something changes quickly.

In most Chapter 7 cases, the entire credit card debt is just discharged or cancelled in the process. In a Chapter 13, late charges and interest are capped and you pay anywhere from 0% to 100% of the credit card debt in a repayment plan.

Of course, you will not have access to credit cards after you file your case. You can not choose to keep one card outside the bankruptcy for use. You have to include all the credit cards in the case. You will be able to use a bank debit card after you file. Eventually you will be able to obtain new credit cards after a bankruptcy once your credit is re-established.

“checkingIf you make fraudulent purchases on credit cards, the credit card company could force you to pay these charges back in bankruptcy. Basically, they have to prove that you made charges knowing you were about to file a bankruptcy. This case is hard to prove. The court will look at the totality of the circumstances around the charges – how much they were, whether they were for luxuries or cash advances, whether you got advice from a bankruptcy attorney, whether you were making payments on the cards after you made a charge and whether you had any chance of payment the charges back to name a few circumstances. Because the lawsuit involved in proving fraud can be expensive, creditors rarely sue for minor charges made just before filing.

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Great service and follow up. Its a scary thing when you need a lawyer but Jason and his team make it less so. Very happy with our outcome. Scott Thibeault
"I can't say enough great things about Jason Newcombe Law Office. I am retired military and I highly recommend Jason Newcombe Law Office. I reached out to Jason's office after sitting for hours reviewing multiple Domestic Violence Law Offices in King County. He responded before that day was over. I spoke with Jason's both in-person and by phone; felt very comfortable with his years of experience and straight talk. He took on my case, took me through the process with sound advice. The Attorney Erin Lane who accompanied me with my court appearances; can't praise and thank her enough for her time, selflessness and educational information prior to each court appearance. She made a really daunting task for me less fearful, given such grim circumstances. I am forever grateful for Jason and the Team of Attorneys." Tommy Harville
"I cannot thank Mr. Newcombe and his staff enough. They are awesome. When I first contacted his offices, I didn't know what to do. I was overwhelmed and confused. He did an amazing job, I highly recommend him! I had two cases, and he got both of them dismissed. If you are in trouble, do yourself a favor, give him a call. " David
"I had Mr. Newcombe's firm handle my ticket and I greatly appreciate their assistance. It was handle easily and with good communication from the associates. If you need assistance with some legal matters then I would refer you to them. " Marvin
"Jason Newcombe and his Associate's are all top notch individuals who will fight tooth and nail for you and go the distance to ensure that you receive the best outcome possible on your case. I would not be where I am today if not for the Law offices of Jason Newcombe. " Eric Brandt