Our office sees people every day who struggle with their credit card bills, and as a result, have low credit scores.

A credit score is a number given to value your history of borrowing. It's what companies will look at when you want to buy a house or car, rent an apartment, or obtain a credit card.

The credit score is determined by a set of factors, including your history of payments, current debt balance, length of debts, and the type of credit. These factors can be hard to fix when there are problems, because a lot of people can't afford to pay off their debts. That means their debt balance stays high and the length of debts can last a really long time.

Credit companies will look at your score to determine whether they issue you a new credit card. In addition, the score can determine your interest rates. If you have bad credit, your interest rates can skyrocket. That means people who are the most dependent on credit card debt can also end up deeper in debt faster, since they're paying higher interest rates.

When you have trouble paying your credit card debt, bankruptcy is an option that can help. A lot of people are opposed to bankruptcy because they worry it will hurt their credit score. But we like to remind our clients of two things:

1. If you're considering bankruptcy, your credit score might not be very good right now.

2. Our firm offers a program that helps you get your credit score back to a 720 (that's an A rating) in as little as one year! This type of program usually costs $1,000, but we are offering to all our new bankruptcy clients for free.

If you have credit card debt, bankruptcy could be the solution you're looking for. Castle Law Office has been handling bankruptcies for Kansas City clients from more than 14 years. If you need the fresh start bankruptcy can provide, call us today at 816-842-6200 to speak with an attorney. Or click here to email us and schedule your free consultation.