Settle your mortgages, installment loans, and credit cards for much less than the full amount. Debt settlement is an approach to debt reduction in which the debtor and creditor agree on a reduced balance that will be regarded as payment in full. Debt settlement offers an inexpensive and relatively quick method to reduce your debt, and is often a great alternative to bankruptcy. Debt settlement negotiations are mostly conducted on unsecured debts, such as credit cards, medical bills, personal loans, and accounts in collections. Negotiations with creditors should also stop any harassing phone calls or threatening letters you receive. Our attorneys have extraordinary leverage in negotiating client debt reduction, as creditors understand that their prospects of full return are lower with an attorney in the equation. If you are wondering whether debt settlement is the right approach for you, we recommend you take advantage of a free consultation.

Completely eliminate your credit card debt and other unsecured debt with Chapter 7 Bankruptcy. Chapter 7 Bankruptcy provides a number of advantages, including protection from creditors and lawsuits, and additionally providing a means for liquidation of some of your unmanageable debt. For example, some common debts that are wiped-out in a Chapter 7 are credit cards, medical bills, and deficiencies on repossessed vehicles. In addition, a bankruptcy discharge releases the debtor from personal liability and prevents the creditors from taking any further action against the debtor or the debtor's property to collect the debts. A Chapter 7 Bankruptcy does not eliminate the potential for secured creditors, such as your mortgage holder or car loan creditors, from confiscating that property.

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Chapter 13 bankruptcies often provide a solution for people who have faced short-term financial setbacks like job loss, illness, or large unexpected expenses. Since Chapter 13 combines the automatic stay (prohibits most creditors from taking any action to collect the debts you owe with the ability to catch-up past due payments over time, many people looking to stop foreclosure or avoid repossession choose Chapter 13 bankruptcy. In a Chapter 13, a repayment plan is filed with the bankruptcy court in order to pay back all or a portion of your debts over time (from 36 - 60 months). As part of the repayment plan, and perhaps the most important benefit of filing a Chapter 13, you are able to keep certain valuable property that you continue to make payments on, such as your home or your car.

The main goal of bankruptcy law is to give you, the consumer, a fresh start ...

When you are finding your mortgage payment unmanageable or you are behind ...

Banks generally want to Prevent Foreclosure - the financial loss to their institution can be huge ...