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Are you tired of sinking further and further into debt? Are you scared because the creditors are calling day and night and you don’t know what’s going to happen to you? To your credit score? To the stuff you own? Well, you shouldn’t be because there is a way out. Owing on balances you can’t afford is bad enough, so the last thing you need is a debt collector hounding you about it. Or filing a lawsuit that could result in garnishing your hard-earned pay. And don’t think for one minute that they’ll cut you any slack. These folks are in it to win it, and they want to make as much money as they can. Whether you have fallen behind because of a layoff, health issues, divorce or even reduced income due to retirement, it doesn’t matter because the creditors will be coming after you to collect their money.

So What Can You Do?

Well, the best way to avoid all of these is to catch them before they happen. In other words, you know you’re behind on your bills because for one reason or another, you have debts you simply cannot pay and you know that in advance of any collection efforts. So, the trick is to take action while you still can while the decisionmaking power is in your hands and not with a debt collector. You see, your creditors don’t want you to know that you have options for getting out of debt. In fact, our credit system is designed to keep hard working consumers like you trapped in debt they will almost never get out of. Well, it doesn’t have to be that way and here is why. .

Bankruptcy is an affordable and surprisingly affordable, reliable and sometimes easy federal court remedy that frequently allows debtors to get rid of their debt and start over without paying anything back. The biggest advantage to filing a bankruptcy is that you are in more control and are forcing your creditors to accept what you negotiate in
your case, whereas all of the other options the power is still with the creditor to say NO. And eliminating the debt
altogether is the best way to make sure you get a fresh start.

Will I Be Considered a Failure? NO

Many people took advantage of filing for bankrutpty to get a fresh start in life and ultimately become successful – Abraham Lincoln, Donald Trump, sports players, actors. General Motors, Hertz, the list goes on. They got a chance to build a second life. You can too. Find out more by downloading our free report at or calling us to discuss your situation,