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Philadelphia Credit Card Settlement PA


Are you behind on your bills or credit card payments? Have you amassed a considerable amount of debt?

If you feel overwhelmed and feel like there isn’t a way out of this mess, don’t worry. Our credit card attorneys are widely known as some of the best in Philadelphia and they can help you with a wide variety of debt-related issues and other legal concerns.

If you live in Philadelphia or the suburbs and credit card debt relief is constantly a hot topic in your life, then contact our experienced debt services lawyers for some high quality assistance. We are a debt settlement firm in Philadelphia, and we are proud to provide a wealth of debt-related legal solutions to thousands of people just like you.

Fast and Easy Credit Card Settlement and Debt Relief

We have the ability to significantly reduce the amount you owe. Many people are unaware of the types of debt relief services that are available, and often feel as though they will be stuck with an enormous debt for the rest of their lives. However, our credit card debt attorneys have performed debt reductions and debt relief for countless clients, and we have the experience, knowledge and commitment to get your debt reduced drastically or wiped out altogether.

When you need quick and easy credit card debt relief, turn to the attorneys at our firm. The Law Offices of David M. Offen has the resources available to the largest firms in the country, but with the personal customer service that small mom-and-pop shops offer.

While our firm is widely known in the Philadelphia area for our outstanding credit card settlement services, we also offer assistance with:

  • Chapter 7 bankruptcy – you can just walk away from credit card debt!
  • Chapter 13 bankruptcy
  • Debt consolidation
  • Debt settlement
  • Debt collection defense
  • Home foreclosures
  • Vehicle repossessions

Credit Card Settlement vs. Bankruptcy

Often we discuss both options for credit card settlement and bankruptcy during your free consultation. There are circumstances where debt consolidation or debt settlement is a better solution than filing Chapter 7 or Chapter 13 bankruptcy.

Debt Settlement

Debt settlement, meaning, getting debt relief by negotiating with a creditor to pay less than what you owe, is a great solution when you have only one or two delinquent accounts. You may get one or two creditors to accept a credit card settlement offer. But when there are several accounts, it is difficult to get all creditors to settle, and while you may pay some, others would be free to sue you. Also, keep in mind that forgiven debt is taxable as income to you.

Chapter 7 Bankruptcy

Chapter 7 bankruptcy forces all creditors to the table, in that the automatic stay prevents any collection efforts, such as phone calls, letters, and lawsuits, as well as wage garnishments and levies on bank accounts. Most unsecured debt, like credit card debt and medical debt, is “discharged” or wiped out.

Chapter 13 Bankruptcy

Chapter 13 bankruptcy, again, forces all creditors to the table and stops creditor abuse with the automatic stay. This is for people with steady income who can afford to pay a small portion of their debt over a three or five year plan. Chapter 13 is powerful: you can “strip off” a second mortgage and have it discharged as unsecured, you can “cram down” a car loan to the car’s current market value, and you can force a lender to accept repayment of loan arrears, like car loan arrears, mortgage arrears, alimony arrears, or child support arrears, over the course of three or five years.

Get Legal Experience You Can Trust

The Law Offices of David M. Offen has helped more than 12,000 clients in the more than 20 years we have been in operation. Our experience as a Philadelphia debt settlement firm has allowed us to build an impressive track record of success, and we look forward to adding your case to that growing list of accomplishments.

For over 20 years, our credit card debt lawyers have helped thousands of people in the Philadelphia area get debt relief. Contact us today and arrange for your 100-percent free, no-obligation consultation, where you will get the answers and solutions you need.

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