BANKRUPTCY

Federal law defines three types of bankruptcy relief: (1) Chapter 7 - Liquidation; (2) Chapter 11 - Debt Reorganization; and (3) Chapter 13 - Small Debt Reorganization for the Debtor with Regular Income.

It is possible for homeowners to file for relief under the bankruptcy code without the aid of an attorney. The process is complicated and the ramifications and results of not filing properly can be severe.

We leverage our national strength to match our software clients with skilled professionals to determine which Chapter best suits your needs. Every user receives a free consultation to properly analyze each unique set of circumstances. Information regarding debt relief is always available to you, and the professionals that we have aligned with apply years of experience to assist our clients with to deal with financial problems.

Bankruptcy is not something that anyone wants to do, but when you are in financial trouble it is an option that you should explore. Bankruptcy can give you a fresh start, eliminate your liability for existing debts, and stop collection efforts.

DEBT CONSOLIDATION / DEBT SETTLEMENT

Debt relief through effective settlement or consolidation programs gives you other options different options that allows you to avoid bankruptcy. Many homeowners do not have substantial unsecured debt or make to much to qualify for Chapter 7. These program can help you reduce interest rates, lower monthly payments, eliminate late charges and stop the harassing phone calls from creditors. Consolidation programs can provide each of these features all through one monthly payment. Our affiliates can also provide you with budgeting tools to prevent future debt occurrences.

If you choose to settle and not file for bankruptcy protection many law firms and settlement companies will negotiate with your creditors to reduce and force settlements for amounts for far lees than the total amount owed. Homeowners can negotiate settlements through their own efforts if they have the time and patience to properly manage the process. These affiliates can also help you to avoid lawsuits, wage garnishment and eliminate the garnishing wages, having a single monthly payment, reducing late charges, and prevention of collection calls.

Many homeowners will not qualify for a bankruptcy or do not carry substantial non-secured debt. If bankruptcy is not an option and you do not choose to work through the entire debt settlement process - we can help you get back on track.