Sued for Credit Card Debt in Manhattan?
Getting served with a credit card lawsuit in Manhattan or elsewhere in New York City is scary. You may be worried about a judgment, wage garnishment, or a frozen bank account. Ignoring the lawsuit usually makes things worse—but you may have more options than you think.
At ManhattanChapter7.com, you can connect with the Law Office of Howard Williams, a New York bankruptcy lawyer, to discuss how Chapter 7 bankruptcy may help with credit card lawsuits and judgments in NYC.
What Happens If You Ignore a Credit Card Lawsuit in NYC?
If you don’t respond to a credit card lawsuit in New York, the creditor can usually get a default judgment. With a judgment, they may try to:
Garnish your wages
Freeze or levy your bank account
Place a lien on certain property
Once a judgment is entered, it becomes much harder to negotiate and easier for the creditor to collect. That’s why it’s important to understand your options before deadlines pass.
How Chapter 7 Bankruptcy Can Help With Credit Card Debt
Credit card balances are usually unsecured debts, which are the type of debts that Chapter 7 bankruptcy in New York is designed to address. Depending on your situation, Chapter 7 may:
Wipe out large credit card balances
Stop collection lawsuits and most judgment collection efforts through the automatic stay
Give you a path to a financial fresh start
However, every case is different. Some accounts may have special issues (like recent luxury spending or cash advances) that need to be reviewed carefully by a Chapter 7 bankruptcy lawyer in Manhattan.
Not sure if Chapter 7 fits your credit card lawsuit situation?
Talk to a New York Bankruptcy Attorney About Your Lawsuit
If you’ve been sued over a credit card in Manhattan, Brooklyn, Queens, the Bronx or Staten Island, you don’t have to navigate it alone.
In a free consultation, the Law Office of Howard Williams can:
Look at your lawsuit and court deadlines
Explain how a Chapter 7 bankruptcy in NYC could affect the case
Discuss whether another approach (like settlement or Chapter 13) might be better
Help you decide on next steps before the creditor moves forward
Take the First Step Toward a Fresh Start
If you’re dealing with constant collection calls, lawsuits, wage garnishment, or simply can’t keep up with your minimum payments, it may be time to talk with a Manhattan Chapter 7 bankruptcy lawyer about your options.
You don’t have to guess about whether you qualify or what might happen next. Take a few minutes to share your situation with a New York bankruptcy attorney and get straightforward answers.
ManhattanChapter7.com is operated by the Law Firm of Howard Williams, a New York law firm. Attorney Advertising. This website is for informational purposes only and does not constitute legal advice. Viewing this site or contacting us does not create an attorney‑client relationship. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
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