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Relieve Your Debt Without an AttorneyOur credit experts help you out of debt quicker, and with less out-of-pocket, than with most bankruptcy attorneys. Our service allows you to avoid liquidation (Chapter 7 bankruptcy), in which you can lose your prized possessions. Additionally, as opposed to Chapter 13, Credit Solutions’ staff works out a lower credit card debt balance for you to repay, so you get out of debt quicker and without the shame of bankruptcy. Our debt relief service can reduce your credit card debt balance through discussions with your creditors. You can be debt free in three years or less with our service. The faster you get of debt, the faster your credit can be restored. Our debt relief service manages more than $1.2 billion for our clients. Therefore, we have a strong relationship with creditors and can assure them that they will be paid. With our debt relief service, creditors are less likely to hound you to pay your debt. Bankruptcy can also help reduce your debt. Through the process, you can sell some of your assets to pay creditors or go into a repayment plan. The bankruptcy repayment plan is three to five years, a longer process than our debt relief service. Since bankruptcy is handled through the federal courts, an attorney is required. Indeed, an attorney’s expertise in necessary to guide you through the rules and requirements of bankruptcy proceedings. You should also know that a bankruptcy stays on your credit report for 10 years or longer. Bankruptcy is more complex because of a law passed two years ago. The law added several requirements and restrictions on filing bankruptcy. Potential filers must receive credit counseling to get their case resolved. Median income and an economic means test can determine which type of bankruptcy you are eligible for. Therein lie the extra costs of bankruptcy. Due to the flood of changes to the system, bankruptcy attorneys are charging more for their services. Many attorneys are turning down bankruptcy cases because of the new complexities. The shrinking pool of bankruptcy attorneys means the remaining lawyers are charging more. Our debt relief service offers a more streamlined approach to becoming debt free. You have a hard enough time settling your debts without the strain of attorney fees. Attorneys have spent a lot of time and money becoming experts in their specialty, but bankruptcy is not a simple process. Author Bio: Allison Roberts is a graduate of the University of North Texas Department of Journalism. She has experience in agency and in freelance public relations. Allison currently writes for Credit Solutions and she is completing an unfinished work of her late grandfather. For more articles by Allison, visit http://www.creditsolutions.com. Credit Solutions is offers a leading debt consolidation alternative.
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