Credit has become a way of life in America. The average American carries over $8,000 in credit card debt, and in 2001 consumers paid almost $50 billion in finance charges. While credit is an excellent financial tool when used wisely, last year over 1.3 million people declared bankruptcy. These numbers reflect the epidemic struggle of our society with debt and the problem will continue until we understand the use of credit and the repercussions of debt.

Every day, tens of thousands of Americans face the burden of debt. Financial difficulties often develop due to circumstances beyond our control. These changes in our lives include a decrease in income, divorce, loss of a spouse or medical bills. Like an illness, these money problems permeate our lives and impact our families.

By nature, credit card companies are bureaucracies that are unable and largely uninterested in working with an individual borrower for a debt solution. These companies make over $60 billion annually by selling debt (about $19 billion of that income is derived from late and “over the limit” charges), so where is the credit card company’s benefit in helping you become debt free? Once you have paid off your debt, they have lost a customer and part of their income. So, what are the options when you are having problems paying credit card debt? Contact Us, we can help evaluate your financial options - with a Free Consultation.

Bankruptcy. Admit it, just the mere mention of the word “bankruptcy” stirs emotions within you. You need to be aware that most of the emotion you feel when you hear the word bankruptcy is based on things you hear from others, read in the newspapers or see on TV. And the fact is, you may be getting a lot of bad information even from people who may have your best interests in mind.

Is bankruptcy right for you? How can you protect your property from danger? Is it possible to restore credit after bankruptcy? How do you get started or get more information?

These are important questions which need answering. [Bankruptcy FAQs]

So, what are your best options? Contact an experienced credit and bankruptcy lawyer to advise you. Using the bankruptcy laws, in just 12 months, the Law Offices of John T. Orcutt got rid of over $39 million dollars in debt for a total of 1011 families. That's an average of $38,000 per family, money that will never have to be paid back.

Whether you need to file bankruptcy, or just want answers to all your questions about your debts and what you can do, an experienced, full-time, bankruptcy lawyer can help. If you are sick of getting pushed around, feeling angry and upset, and losing sleep, now is the time to do something about it.

And the best thing is ... you have nothing to lose because...with the Law Offices of John T. Orcutt...and many other good, experienced bankruptcy attorneys...the consultation is FREE. With the Law Offices of John T. Orcutt...you can set up a FREE initial consultation, visit our offices, get lots of valuable information, and then leave ... no strings attached ... and it is perfectly okay with us.

If you find yourself in credit difficulties, your best strategy is to contact a law firm specializing in consumer credit assistance AND bankruptcy assistance. Contact an experienced credit and bankruptcy attorney today to discuss your options, and to help you on the way to financial health.