--- title: Credit Card Debt | Southwest Georgia | Bankruptcy Lawyer description: Buried under credit card debt and high rates? Bankruptcy may be the right option. Contact us today in Valdosta at 229-247-1211. Free consultation. --- Practice Areas - [3 Steps to Better Credit ](https://www.orsonwoodall.com/georgia-credit-repair-attorneys-woodall-woodall) - [Stop Credit Harassment ](https://www.orsonwoodall.com/stop-creditor-harassment) - [Eliminate Medical Debt ](https://www.orsonwoodall.com/eliminate-or-reduce-debt/medical-bills) - [Stop Car Repo ](https://www.orsonwoodall.com/stop-creditor-harassment/car-repossession) - [Stop Wage Garnishment ](https://www.orsonwoodall.com/stop-creditor-harassment/wage-garnishment) - [Save Your Home ](https://www.orsonwoodall.com/stop-creditor-harassment/foreclosure) - [Bankruptcy FAQ ](https://www.orsonwoodall.com/bankruptcy-faq) - [Debt Consolidation ](https://www.orsonwoodall.com/debt-consolidation) # Bankruptcy Can Get Rid Of Credit Card Debt Credit cards are all too easy to use, especially when you are having trouble paying your bills. We all think we will be able to pay off the balance by the time the bill arrives. Unfortunately, many times, people are unable to pay more than the minimum balance due. Skipping the payment completely is even worse; the fees and rates begin to multiply when this happens. If you are struggling [to pay credit card bills](https://www.orsonwoodall.com/stop-creditor-harassment/), filing bankruptcy may be an option. At Woodall & Woodall in Valdosta, we have helped thousands of clients in southern Georgia eliminate credit card debt through bankruptcy. Talk to our lawyers today to learn whether it may be the answer for you. Your consultation is free. You do not need to travel to Valdosta for help. We frequently travel to surrounding communities, such as Albany and Thomasville to assist our clients. ## How Credit Card Bills Add Up Using credit cards to pay for staples and monthly expenses is something many people have to do when they are underemployed or in debt. For months, you may have been using credit cards to pay utility bills and buy things such as: - Groceries - Gas - Clothes - School supplies - Medicine Regardless of what you purchased, your card balances quickly become unmanageable. The rates may have skyrocketed to unreasonable amounts that made paying even the minimum balance impossible. We understand. This happens to people in America every day. Filing bankruptcy can help you eliminate credit card debt. You can discharge credit card debt in bankruptcy. Exceptions may include luxury purchases and cash advances made shortly before filing. We'll review your statements and explain whether any of your debt is not dischargeable. ## Speak With One Of Our Attorneys For a free consultation, please call 229-232-8585. You can also complete the [online contact form](https://www.orsonwoodall.com/contact-us) if you prefer. Wherever you are in south Georgia, we can help. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. - - [Medical Bills](https://www.orsonwoodall.com/eliminate-or-reduce-debt/medical-bills) - [Mortgages](https://www.orsonwoodall.com/eliminate-or-reduce-debt/mortgages) - [Auto Loans & Repossession](https://www.orsonwoodall.com/eliminate-or-reduce-debt/auto-loans-0) - [Taxes](https://www.orsonwoodall.com/eliminate-or-reduce-debt/taxes) - [Student Loans](https://www.orsonwoodall.com/eliminate-or-reduce-debt/student-loans) - [Wage Garnishment](https://www.orsonwoodall.com/stop-creditor-harassment/wage-garnishment) - [Credit Card Debt](https://www.orsonwoodall.com/eliminate-or-reduce-debt/credit-cards) - [Foreclosures](https://www.orsonwoodall.com/stop-creditor-harassment/foreclosure) - [Stop Phone Calls and Letters](https://www.orsonwoodall.com/stop-creditor-harassment/phone-calls-letters-0) ### Contact Us to Schedule Your Free Initial Consultation [![ebook: bankruptcy in georgia - the truth](https://www.orsonwoodall.com/hs-fs/hubfs/Orso_N_WoodAll_Aug2016-Theme/Images/ebook-woodall.png?width=120&name=ebook-woodall.png)](https://www.orsonwoodall.com/bankruptcy-in-georgia-the-trut) [Bankruptcy in Georgia: The Truth](https://www.orsonwoodall.com/bankruptcy-in-georgia-the-trut) Available on [Amazon.com](http://www.amazon.com/Bankruptcy-In-Georgia-The-Truth/dp/1500100978) #### 22,000 Satisfied Clients 5 Star Reviews on Google 5 Star Reviews on Facebook 5 Star Reviews on Avvo 5 Star Reviews on Yelp [Please Review Us](https://www.orsonwoodall.com/please-review-us) Avvo Reviews Facebook Reviews Google Reviews YellowPages Reviews Yelp Reviews