Credit Card Debt

Credit Card Debt

Credit card debt is something that is very easy to accumulate but it can be pretty difficult to pay down. That is because for many people, it is easier to spend money than to make money. Unfortunately, this is a trap that many people fall in when they get their first credit card or even multiple cards at the same time.

Why people are in debt

Approximately 8 in 10 Americans are in debt according to a recent study. That means that the majority of people that you know current have some kind of debt. There are many reasons why someone may get into debt like a reduction in income, a divorce, poor money management, medical expenses or underemployment/unemployment.

Credit card debt relief

For some people, even the idea of consolidating the debt seems like it will not help them get out of the credit card debt black hole. Another option is to file for bankruptcy to get relief from credit card debt.

Credit card debt is often referred to as bad credit card debt because it does not really help you get a quality credit score, especially if you cannot make the payments. The lawyers at Morgan & Morgan have worked with clients in Georgia who are overwhelmed and burdened with enormous credit card debt.

Client Testimonials

Attorney Jason Braswell & Lisa LaCount are just wonderful...not one time have I call the office that I didn’t get a chance to speak directly to Jason or Lisa, or receive an immediate return call/email with a response. Thanks to this attorney team, my mind and our finances are in order. - C.P.

Catherine Pettit

Morgan & Morgan worked on disability benefits for my unemployed 50-year old brother who was homeless and suffering from autism/Asperger’s syndrome. We all knew nothing (!) and Mr. Morgan was a breath of fresh air.

Disability client

My experience with Morgan & Morgan was exceptional!!! I was very well informed about their procedures and felt comfortable about going forth with my case. Everything was handled with importance. - C.J.

Casmin Jones

We were fully enlightened about our situation which helped us choose our best choice concerning a problem. We would recommend Mr Braswell to our friends. - H.A.

Harold Andrews

A very respectful law firm that has very good customer service which is job one in the human world. Thank you Morgan and Morgan of Athens, GA. - W.S.


Jason is the best lawyer ever. I appreciate everything he's done in my case. I could never thank him enough.


Our attorneys are skilled at negotiating for reductions in your debt.

Learn about your options in a free consultation with one of our local bankruptcy attorneys. We service Athens-Clarke, Oconee, Morgan, Walton, Jackson, Hall, Barrow, Madison, Oglethorpe, Elbert, Hart, Franklin, Banks, Habersham, Greene, and Stephens counties. If you have this type of bad debt, contact us today so we can help you find ways to reduce your debt.