Legal Question in Credit and Debt Law in New Jersey

Re: advice regarding credit card debt

This area of law is our specialty, however, we would need some more information before making a complete and proper determination. You are welcome to contact us for a free consultation.

Law Offices of

STEVEN J. CZIK, P.C.

101 Avenue of the Americas, 15th Floor

New York, New York 10013

212.413.4462

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The information provided by The Law Offices of Steven J. Czik (LOSJC) is for general educational purposes only. There is no attorney-client relationship established by this communication and no privilege attaches to such communication. LOSJC is not taking and will not take any action on your behalf and will not be considered your attorney until both you and LOSJC have signed a written retainer agreement. There are strict deadlines, called statutes of limitation, within which claims or lawsuits must be filed. Therefore, if you desire the services of an attorney and decide not to retain LOSJC on terms acceptable to LOSJC, you are advised to immediately seek the services of another attorney.

Re: advice regarding credit card debt

You have a complicated situation and whether bankruptcy or an out of court workout with your creditors is the right option for you depends on various factors, and is not something you are going to find the answer to on the Internet. You need to meet with an attorney experienced in bankruptcy and debtor-creditor matters and have a detailed consultation. While you can obtain a general overview of your options in an initial free consultation with our firm or another firm, to get advise that goes beyond a general overview and you probably will need to hire an attorney knowledgeable in bankruptcy and debtor-creditor matters for a paid consultation in which the attorney will review relevant any relevant documents (such as collection demand letters, etc.), review your credit report from 3 major credit reporting agencies, status of your payment of taxes, any liens & lawsuit filings against you, discuss the situation with respect to your business, personal asset info., etc. and provide you with the attorney's evaluation of your situation and recommendations (preferably in writing).

You can obtain free general information regarding bankruptcy and debtor-creditor matters from the Frequently Asked Questions (FAQs) on our website at www.starrandstarr.com/faqs.htm.

The foregoing response is provided as general information of interest to readers of these postings and is not intended as legal advice for your situation. You should consult with an attorney regarding your options.

Best regards,