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You Can Settle Debt You did Not CreatePeople across the country are in overwhelming debt through no fault of their own. Sometimes a spouse, child or friend has used a credit card without the owner’s knowledge. Maybe you thought your roommate was paying the rent or the mortgage, but they were not. There are innumerable circumstances that leave people in debt they did not create. These situations happen to thousands of Americans. Rather than filing bankruptcy, more than 70,000 individuals and families have turned to Credit Solutions and have let our service remove their debt faster than the federal court process of filing bankruptcy. Chapter 7 of the Bankruptcy Code allows debtors to liquidate their assets. Essentially, a trustee is appointed by the court to sell the property and, in turn, repay the creditors at least a portion of the debt owed. Chapter 13 allows the debtor to propose his or her own plan for repayment. Under bankruptcy protection, the court significantly lowers or eliminates interest rates on the debts owed. However, in most cases, either of these two most popular options requires the services of an attorney. The attorney interprets the code for you, explains the legal jargon and charges a significant fee in addition to the court costs. There is an easier answer. Credit Solutions helps you eliminate credit card debt in less than three years. With our service, you can avoid the hassles of court and keep all of your financial information private. Credit Solutions' debt relief service is distinctive. We help you save money and use your own money to pay your outstanding balances. In many cases, we lower your outstanding credit card balance, allowing you to get out of debt quickly. It is our goal to bring you debt relief in12 to 36 months. Credit Solutions’ certified staff is skilled at working with your creditors for you. We act on your behalf to lower your debt as much as possible; we then lower your monthly payments. Paying less money over a shorter period of time means, you are debt free faster than filing for Chapter 13 bankruptcy. Even if you are not responsible for landing yourself in serious debt, with Credit Solutions you have the power to overcome debt without filing bankruptcy. 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 on bankruptcy visit http://www.creditsolutions.com. Credit Solutions is offers a leading debt consolidation alternative.
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