Wipe Out Your Credit Card Debts

“CreditCredit card debts are among the easiest to wipe out in a bankruptcy. It doesn’t matter if you are current on your payments or things have gotten so bad that you are being garnished for a credit card debt. Filing a bankruptcy immediately stops a credit card company from making nasty collection calls, filing a law suit or garnishment. If you are making payments on credit cards and have decided that you want to file bankruptcy for sure, you might as well stop making the payments because bankruptcy discharges interest and late fees. You can not pick and choose which credit cards to discharge and which to keep. You must include all your credit cards in bankruptcy. You will have to rely on a bank debit card after filing your case, at least for a while. If you hire our firm we will take the collection calls for you while you get ready to file bankruptcy.

The only way credit cards will not be discharged in a bankruptcy is if you commit fraud. Fraud involves making charges on the card in anticipation of filing bankruptcy. If you know that you are going to file bankruptcy and you make a lot of luxury purchases or take out big cash advances right before you file, you will probably be in trouble. Fraud can also involve filling out a false credit application. A creditor has to prove fraud in a separate lawsuit that is tied to your bankruptcy called an adversarial proceeding. This case is difficult to prove and requires hiring an attorney so creditors are careful about filing the case. They usually make their decision to file the adversarial proceeding based on how much was charged and how soon the charges were made before filing. If you’ve only made a few small charges for necessities just before filing, the creditor probably won’t bother filing an adversarial proceeding. If you have made some large charges, it would be smart to make a few payments and wait a while before you filed even if you did not intend to commit fraud when you made the payments. Defending an adversarial proceeding can be expensive even if you didn’t intend to commit fraud.

Client Reviews
★★★★★
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.
★★★★★
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.
★★★★★
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.
★★★★★
I feel very fortunate that I chose Mr. Newcombe to represent me. He and his staff were amazing at keeping me informed and telling it to me straight. I don't plan on needing a lawyer again but if I do I'll be giving Newcombe a call.
★★★★★
Jason Newcombe is an excellent attorney. He is proffessional, well-spoken and intent on achieving the goals set out during his initial couseling. If you are looking for an attorney to best represent you throughout your court process, Mr. Newcombe is a gifted rhetoric who presents his cases flawlessly and dedicates the entirety of his free time into making sure his clients receive the best possible outcome.