Help!
There are alternatives to bankruptcy, and help for consumers struggling with debt and how to manage their everyday finances. Here are some of our recommendations, as well as a brief description of each program and how they may be able to assist you while you are struggling with your debt, weighing your options regarding bankruptcy and even attempting to repair your credit.
Credit Reports:
As a consumer, your credit speaks volumes. It will determine whether or not you may receive loans or credit cards, the limits on such kinds of loans or consumer credit, even the interest rates you are charged for any credit extended. All too many consumers “trust” that they kind of know their credit, or that their credit is “good enough”. Do you have any late pays? Do you have any inaccurate items on your credit? Has someone used your identity and has opened credit cards or lines of credit in your name? If you cannot answer those questions with total faith, a look at your credit score is much needed!
The only way to know is to arm yourself with knowledge. Here are credit reporting companies that you can work with to get the facts about your credit score:
Credit Scores:
Equifax:
Get Equifax Credit Watch Gold 3-in-1 Now!
MyFICO.com
Credit Crisis Concerns? Get 20% off FICO credit scores now
Credit Report.com:
Credit Reports and Scores.com:
Get Your FREE Credit Report and Score!
Credit Repair:
Know that you know your score, you may find that you need to take action on items on your credit that are not accurate. Consumers need to be very careful in dealing with credit repair companies. Many offer big results, ask you for a lot of money, and actually provide you with very little. Some scam artists actually will propose and try to get you involved iwth illegal actions, such as obtaining a new Social Security Number for you, or fraudulent methods that will do nothing to truly repair your credit and only get you into more trouble.
Lexington Law is a reputable, respected company in assisting consumers with fixing negative, inaccurate items on their credit reports. Fixing these can add up to a better score, and better access to credit and interest rates:
Poor Credit and Bankruptcy Problems? Get It Corrected Today By Visiting LexingtonLaw.com!
Ovation Law:
Nolo.com:
Credit Repair (Clickable Link)
Stop Identity Theft and Protect Your Credit:
Identity theft continues to plague consumers, and it can cause a great deal of heartache, credit and financial problems, hard work and stress to deal with the actions of an identity theft. Anecdotally, I have heard horror stories of consumers taking YEARS to fix the actions of scam artists and thieves, while often times those people simply move on to the next person upon which they can prey. Worse yet, I know of people who have worked hard to pay off their debt, get their credit score in line, and prepare to buy a home or a large ticket item, only to find that they have been attacked by an identity thief, and they literally have to fight their way back to good, solid financial health and wellbeing. You can protect yourself from identity theft, here are some of the resources we highly recommend.
LifeLock:
LifeLock is the only Identity Theft Prevention Solution backed by a one-million dollar guarantee! Click here to get a 10% discount.
Trusted ID:
Save 15% on TrustedID Identity Theft Protection
Nolo.com:
Stopping Identity Theft (Clickable Link)
Credit Counseling:
You may be able to avoid bankruptcy and manage your credit issues through a legitimate credit counseling company. Again, there are scam artists, and you need to work with a reputable company. You need to beware of companies or individuals promising too much, if it sounds too good to be true, it typically is. Also be careful of a company that demands high fees, you may find yourself out a great deal of money, without any improvement in your debt and possibly even owing MORE money. Research the company you wish to do business with, ask lots of questions and remember that you still have to remain a very active participant in your credit counseling and debt management. You cannot simply think that someone else is going to do all of the work for you, if they can promise that, they are not legitimate.
Care One Credit Counseling:
Get Online Debt Relief Now! Click Here
American Platinum Financial Services:
Don’t File For Bankruptcy. Advice & Alternatives to Bankruptcy. Get a Free Evaluation Today.
Clear Up My Debt Now:
Identify the appropriate debt relief needed for you with ClearUpMyDebtNow.com!
National Wide Debtor Solutions (clickable link)
Loan Modification:
Mortgage loan modification can be a life saver for many consumers who own homes, but are struggling with rising mortgage payments or less income due to layoffs or cutbacks. Unfortunately, many consumers find that their banks will simply not work with them, or will not work with them until they are 60 or 90 days behind on payments. Again, as stressed before, there are legitimate companies, and there are scam artists preying on consumers when they are in dire financial situations. Be sure to do your homework, and work with a company that offers straight forward communication, realistic results and does not charge you an arm and a leg to get your back on track with a mortgage payment you can afford.
Loan Modification Connection:
Loan Modification Connection can help to save your home. Click Here.
Bankruptcy:
Many consumers facing bankruptcy are overwhelmed by their debt, their emotions about getting into debt, they may have serious medical issues resulting in their debt, and their debt may even be causing serious health problems. The bottom line is that while it is a tough decision to make, it is one that you need to make with legal counsel and you need to know that you are not alone. Your financial situation may be so serious that bankruptcy is actually a more viable alternative, and more and more consumers are finding that after losing their jobs, taking cuts in pay and hours, rising consumer debt, rising mortgages, decreasing equity in their homes, medical expenses…not to mention juggling student loans, college for their kids, and just the stress of every day life. Do not despair, bankruptcy can give you the fresh start you need, you just need to know all of the variables of bankruptcy, the short term and long term affects on your credit, your debt, your ability to keep your home and other assets and more.
In fact, we recommend a variety of companies that can help you with many issues surrounding bankrutpcy, credit issues, credit repair, even credit counseling. You should truly explore all of your possibilities before making any final decision on how to best deal with your finances.
You can file for bankruptcy on your own, many consumers do and are successful in their filing. If your bankruptcy is straight-forward, without complication, you understand fully the process, or perhaps you have few assets, you can work with online resources to assist you with the bankruptcy process.
Bankruptcy Resources:
Legal Zoom:
Legal Documents at Lawyer Free Prices
FindLegalForms:
Nolo.com:
The New Bankruptcy: Will It Work for You? (Clickable Link)
Chapter 13 Bankruptcy: Repay Your Debts (Clickable Link)
How to File for Chapter 7 Bankruptcy (Clickable Link)
Rocket Lawyer:
Online Legal Documents by RocketLawyer.com. Do-it-Yourself and SAVE!
Bankruptcy Law Resources:
However, if you have questions about bankruptcy and how it may work for you and your financial situation, you can and should obtain legal counsel. A bankruptcy attorney can thoroughly walk you through the process, you can ask question and receive sound legal counsel and you have someone that can get the maze of paperwork done with you and for you as well as represent you in bankruptcy court. Bankruptcy can be confusing and complicated, not to mention very emotional and difficult to process on many levels. If you are not sure where to turn, here are some fantastic resources that will help you find a bankruptcy attorney in your area.
Just Answer:
Ask A Lawyer Online Now. Get an Answer ASAP. 12 Lawyers Are Online! Law.JustAnswer.com
Legal Match:
Lawyers Guide:
Afford Bankruptcy:
Our bankruptcy lawyers are ready to help you get out of debt at AffordBankruptcy.com!
The bottom line is that there are trusted resources that can assist you with every step of the credit process, credit counseling and even bankruptcy, if that is your last resort.
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