Why shouldn't I just file Bankruptcy?

With the new laws that passed in 2006 it is more difficult to file bankruptcy. Some people will try to tell you it will be on your credit report for 7-10 years, usually it effects you forever. Bankruptcy is a permanent decision that should only be considered as an absolute last resort to solving your debt matters.

Chapter 13 still requires you to repay your debt along with attorney fees. It also has the same affects on your credit and you must make all your payments through the court system.

Our Service vs Debt Consolidation

• Choices for Debt Relief
  Debt consolidation or our service can offer helpful debt relief for those people finding it hard to keep up with monthly payments.
• Find Debt Relief Online
  The Internet offers information on various debt-relief methods, including debt consolidation and our service.
• Be Debt Free Without Secured Loans
  When your debt level is outpacing your disposable income level, you can find the most debt relief through a Credit Solutions program, not a secured debt consolidation loan.
• Consumer Savings Varies Between Consolidating Debt and Debt Settlement
  For consumers looking to relieve their debts, they must evaluate whether debt consolidation or our service will save more money.
• Maximize Your Savings with Our Services and Evade Debt Consolidation
  Our service helps to control your finances more than debt consolidation by allowing you to eliminate debt according to your financial ability.