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News & Information

What to do when you can’t pay your bills? - Feb. 19, 2009

With the economy in its’ worse shape in many years it’s no surprise that many people are finding it difficult if not impossible to pay their bills. So, what can you do about your situation?

The first thing that comes to mind is to file bankruptcy, but the changes in the bankruptcy laws have created a problem for many. For those who earn higher than the “mean income” for their area, it’s a problem.

The bankruptcy law states that if your income is above the mean income for your area, you will be forced into a chapter 13 repayment plan. In this plan, the bankruptcy court decides the amount of payments you will pay each month to your creditors. The court will look at your income and expenses and determine a monthly payment to pay your creditors. They will likely determine that many of your living expenses are unnecessary and force you to pay a large percentage of your income to your creditors in monthly payments over a 5 year term. You should consult a bankruptcy attorney to determine how bankruptcy would affect you in your situation.

Debt Settlement is an alternative to bankruptcy. In a debt settlement program, your creditors would agree to settle your accounts for less than you owe. Your payments would be saved to accumulate money to pay these settlements over time. Once you receive settlement agreements signed by the creditors you pay them off one at a time.

The advantage of this type of program is that you don’t have a bankruptcy on your records, and you will likely end up paying less than you would if you filed bankruptcy. Even though this program will have a negative impact on your credit report, your credit scores start to improve immediately after you pay off your debts because 30% of your credit score is based on the amount you owe.

Debt settlement programs vary a great deal in the method of operation and the amount of fees charged. If you would like to learn how to pay the lowest possible monthly payment and pay the lowest fees for a debt settlement program, please fill out this form and we will contact you within 24 hours.

DEBT RELIEF RIGHT NOW !

You are under NO obligation and any information you provide is held in the strictest confidence. (Privacy policy)

	First Name		Last Name
	State Please Select Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming		My Payments are Up-to-date 1-3 months past due 3-6 months past due 6-9 months past due 9-12 months past due Over a year past due
	Home Phone		Best time to call Anytime Morning At Work Morning At Home Afternoon At Work Afternoon At Home Evening At Work Evening At Home
	Work Phone		Unsecured Debts Please Select an Amount under $5000 $5,000 - $6,000 $6,000 - $7,000 $7,000 - $8,000 $8,000 - $9,000 $9,000 - $10,000 $10,000 - $11,000 $11,000 - $12,000 $12,000 - $13,000 $13,000 - $14,000 $14,000 - $15,000 $15,000 - $16,000 $16,000 - $17,000 $17,000 - $18,000 $18,000 - $19,000 $19,000 - $20,000 $20,000 - $25,000 $25,000 - $30,000 $30,000 - $35,000 $35,000 - $40,000 $40,000 - $45,000 $45,000 - $50,000 $50,000 - $55,000 $55,000 - $60,000 $60,000 - $65,000 $65,000 - $70,000 $70,000 - $75,000 $75,000 - $80,000 $80,000 - $85,000 $85,000 - $90,000 $90,000 - $95,000 Over $100,000
	Your E-mail Address

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Credit Card Debt - Jan. 28, 2009

News reports say that credit card debt has reached $1.5 trillion and that credit card debt per household using credit cards is over $7500.

This is an all time high, and with the credit card companies raising interest rates at every opportunity, this situation has become a major problem. Incomes have not increased fast enough to keep up with spending habits. With the worsening economy a very large number of card holders will be seeking relief from high credit card payments. Read More

Debt Settlement or Bankruptcy? - Jan. 20, 2009

With the changes in the bankruptcy laws it is much more difficult to discharge your unsecured debts. The first thing the bankruptcy court looks at is your income and if it is above the “mean” income for your area, you'll likely have to file a Chapter 13 Bankruptcy rather than a Chapter 7. Read More....

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