Credit Card Debt Attorney in Petaluma

Do not let embarrassment over significant credit card bills prevent you from calling me. I am a Credit Card Debt Attorney and bankruptcy lawyer who is here to help you, not judge you. Options exist in eliminating or reorganizing high interest credit cards, ridiculous payday loans, and stopping agreement collection actions.

I'm Novato consumer bankruptcy attorney Andrew Kern, a member of the National Association of Consumer Bankruptcy Attorneys (NACBA). To set up your free initial consultation at my law office, contact me online or call 707-658-4602.

The Do's and Don'ts of Dischargeable Credit Card Debt

Credit card debt is not dischargeable when the card application was fraudulent or the card was used without any intention of paying. If that's the case then the card issuer may allege fraud by filing an adversary proceeding alleging that the debt be excluded from discharge. Other circumstances can prevent discharge of credit card debt, including:

• Newly issued cards

• Credit increases and/or cash advances right before filing

• Excessively large balances at the time of filing

• Purchasing luxury items 90 days prior to filing

• Exceeding credit limits

• Borrowing on one card to pay another

• Any charges made after a consultation with an attorney

• Using a credit card to take a vacation close to your filing date

While I do not encourage my clients to wait on filing bankruptcy, putting more time between credit card charges and a Chapter 7 or Chapter 13 petition can prevent challenges.

The Personal Service You Deserve From a Petaluma Credit Card Debt Attorney

I provide my clients with a comfortable environment in which to discuss their particular situation. I will take the time to get to know you and find a solution that works best for your situation. Every step of the way, I will be personally involved.

To begin the debt relief process with a free initial consultation, contact me online today. My law firm is conveniently located near Highway 101 in Petaluma, California.

I am a debt relief attorney. I help people file for bankruptcy relief under the Bankruptcy Code.