Are You Facing Financial Troubles?

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Credit Card Debt

Many people explore bankruptcy as an option for relief from credit card debt. While you may have had to use credit cards to get through a difficult time due to unemployment or some other sudden loss of income, Englett and Associates understands how debt can become unmanageable. Other clients simply rely on credit cards to make large purchases and find they just can’t afford monthly payments any longer.

Whatever the reason, we can help you get the debt relief you need so you can live life with financial freedom once again. We know how crippling credit card debt can become as late fees, high interest rates, and bank charges drive up account balances, making monthly payments difficult to manage.

Our attorneys have created effective solutions that have helped many people in the same situation.

Contact our office to arrange a meeting with one of our attorneys, (855) 215-2280.

Credit Card Debt Solutions

In accordance with new bankruptcy laws, many credit companies advise consumers that credit card debt is no longer eligible for discharge. This is not the case. In fact, the majority of clients with major credit card debt can still file bankruptcy and get financial relief.

Chapter 7 Bankruptcy: For those clients who qualify for Chapter 7 bankruptcy, credit card debt can be completely eliminated with no need for repayment.

Chapter 13 Bankruptcy: For consumers who explore Chapter 13 bankruptcy, any credit card debt is considered unsecured and will need to be partially repaid. Fortunately, in many instances, the amount paid to creditors is only a fraction of what is actually owed and is based on affordability. Essentially, this type of bankruptcy is a consolidation of debt that allows consumers to more easily manage the combined payment.

Possible Accusations of Fraud - How to Avoid These

You may not purchase merchandise or services on your credit card 90 days prior to filing bankruptcy. This can render you disqualified for bankruptcy relief at the very least. After examining your accounts, our attorneys will determine if recent credit card usage will likely raise any red flags with the bankruptcy courts. In some cases, we may recommend a delay in filing your petition to avoid potential future complications in your bankruptcy case.

Our Locations


150 North Orange Avenue

Suite 303B

Orlando, Florida 32801

(407) 455-7359

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100 South Ashley Street,

Suite 600

Tampa, Florida 33602

(813) 496-7375

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Fort Lauderdale

888 South Andrews Avenue

Suite 302

Fort Lauderdale, Florida 33316

(954) 334-7776

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Fort Myers

5237 Summerlin Commons Blvd

Suite 305

Fort Myers, Florida 33907

(239) 275-2279

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West Palm Beach

324 Datura Street

Suite 150

West Palm Beach, Florida 33401

(561) 847-7721

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St. Petersburg

970 Lake Carillon

Suite 356

St. Petersburg, Florida 33716

* By Appointment Only*

(727) 497-6076

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Lakeland 1102 S. Florida Ave

Suite 121

Lakeland, Florida 33803

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(863) 327-1724

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6767 North Wickham Road

Suite 400

Melbourne, Florida 32940

* By Appointment Only*

(321) 460-1646

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120 South Woodland Boulevard

Suite 203

DeLand, Florida 32720

* By Appointment Only*

(386) 626-0011

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1415 Panther Lane

Suite 374

Naples, Florida 34109

* By Appointment Only*

(239) 201-2527

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3350 SW 148th Ave.

Suite 110

Miramar, Florida 33027

(305) 967-6361

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50 North Laura St

Suite 2566

Jacksonville, Florida 32202

(904) 224-1522

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