Free Initial Contract (919) 627-7748 If you are going to North Carolina Bankruptcy Court or need a North Carolina Bankruptcy Attorney then you need Cameron Law. Better in most cases then the touted "credit management", "debt reduction", "debt consolidation loans", "credit repair" and, "debt settlement"; It allows a fresh start and the ability to clean up your credit. Unlike a North Carolina Bankruptcy, none of the others help your credit, and most will damage it more.
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Cost - We strive to keep our cost down. We charge only $999* for a Chapter 7 Bankruptcy! Yes we have payment plans!
Personality - We are proud of our claim:
. . .
Bankruptcy Law at its Friendliest!
Resourcefulness - We work hard to get you the best deal and most options possible!
+ Plus - We are open most weekends and evenings and work via Internet, Phone & USPS - No need to come to our office!
Having a credit card is good way to build credit, but there are other ways that are much faster and cheaper. The easiest way is to take $500 and get a secured loan from a bank for $500. Then do it again 2-3 more times. Have the payments be made out of the collateral (the $500 you already deposited!), you pay interest. In 3-4 months you can close the accounts, and now you have 3-4 banks reporting your timely payments on loans.
Most credit card debt, whether the card is issued by a bank, gasoline company, or department store, is unsecured and dischargeable as such. Some department store retain a security interest in all items being purchased using the store credit card, making them secured debts rather than the 'regular' unsecured credit card debts subject to discharge.
While credit cards are generally unsecured and therefore dischargeable in a chapter 7 straight bankruptcy, there are exceptions.
Credit card issuers occasionally challenge the discharge of their debt in Chapter 7 by filing an adversary proceeding claiming that the debt was incurred by fraud and therefore should be excepted from the discharge.
This is sometimes called a non-dischargeability action.
Credit card debt may be non-dischargeable in bankruptcy under either of two legal theories:
While each card issuer has a different practice about non-dischargeability actions, each of the following circumstances probably increase the likelihood that the debt may be subject to challenge:
Generally, the longer the length of time between any particular use and the bankruptcy filing, the less likely the usage will trigger a challenge to dischargeability.
If you are concerned about a challenge by a credit card issuer to the discharge of a particular debt, there are several strategies available:
*See contract for details
2004(c) -2010(c) Sheree Cameron, Esq. All Rights Reserved. Privacy Policy
Cameron Law is a Congressionally designated and Federally mandated Debt Relief Agency who's practice includes bankruptcy.
Disclaimer (the fine print): This web site is not legal advice, and it may not be applicable to your own personal situation. An attorney-client relationship is not established by reading or interacting with this web site.
Who is Attorney Sheree Cameron (Bar #31432)?
Sheree is Licensed in ALL the Districts (Eastern, Middle, and Western Districts) of North Carolina.
If you are going through hard times, you need Cameron Law. Better in most cases than the touted "credit management", "credit reduction", "debt consolidation loans", "credit repair", and "debt settlement"; North Carolina Bankruptcy allows a fresh start and the ability to clean up your credit.